davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been making on-time payments to XXXX since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested XXXX   to stop auto-pay since I was severely affected but XXXX still tried to process and take money form my bank account which did not have any money in it. I again contacted XXXX and requested for a relief that was granted but XXXX still reported late payment to credit reporting agencies. I contacted XXXX and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Tradeline : XXXX XXXX Bank Experian properly addressed my concerns and corrected this account 's historical information when completing the previous dispute process ( CFPB Complaint # XXXX ). However, in correcting the historical information, as requested, Experian changed the payment status of the account from the correct status of 'PAID, WAS A CHARGE OFF ' to " DEROGATORY / CHARGE-OFF ''. This new status is misleading as there is now no indication on my credit report that the account has been paid in full. 

Please either return the payment status to 'PAID, WAS A CHARGE OFF ' or otherwise notate the account as PAID. 

Thank you. 

Please note : I was unable to open a new dispute for this account via Experian 's online portal because it had recently been disputed ( though for a different reason ).
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On my credit report there is an item that should have dropped off at XXXX yrs. But it is not, it is still there at XXXX yrs. 

Please help me in getting it dropped of my credit report and have send me a corrected report. 

I thought they dropped a couple of yrs ago, but it came back I believe this goes under the fair credit reporting act.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (AZ)

I bought XXXX on the Blockchain app. That went instantly, but when I tried to send it out they gave me a transaction ID that never registered on XXXX. Its stuck pending and nobody is there to speak to. Im just stuck in limbo here. This is ridiculous.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am so disappointed how Transunion investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX,
Consumer complaint received 2019-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (GA)

I have used Synovus Bank over 40 years. Several problems through out this time. I had registered for the {$500.00} over draft protection. I was not really sure what it was about. When I got my Statement for XXXX {$890.00} was taken from my account for Overdrafts. I am on Social Security XXXX My monthly take home is {$1500.00} a month. As you can see this was a terrible hit on my deposit. I went to the bank to talk to the Customer Service Mgr. He was no help but very smug. I wrote the bank 2 letters explaining what happened. I asked them to reply to my letter telling me why no one called me from the bank. If you use the debit card and it does not work. I always try again. It is {$36.00} every time you swipe that card. My Mom was in XXXX XXXX and died that month. I was bombarded with her illness and situation. I had not taken care of my bank business. I feel the bank should have called me or wrote me. Even emailed me. That {$890.00} was a shock to me. I did make mistakes but I think they made mistakes by not contacting me and not answering my letters. It is not very professional of them not to answer I am a customer of 40 year. XXXX XXXX I will move to another bank. 
My name is XXXX XXXX XXXX if you need to speak with me Thank you.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX****
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am so disappointed how Experian 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX-XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX   XXXX,
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Capital One account XXXX was closed without notice. I was not called or emailed about account. 

My checking account was hacked and my account was closed. So my payments that I had submitted did not go through but no one from Cap One contacted me to verify anything.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law in the United States that governs the behavior of debt collectors and protects consumers from abusive or unfair debt collection practices. Here are some key provisions of the FDCPA : 1. Communication : The FDCPA restricts the times and places debt collectors can contact consumers. They can not call before XXXX XXXX. or after XXXX XXXX. unless the consumer agrees otherwise. They also can not contact consumers at their workplace if they are aware that the employer prohibits such communications. 

2. Harassment and Abuse : Debt collectors are prohibited from engaging in any conduct that is meant to harass, oppress, or abuse consumers. This includes using obscene or profane language, making threats of violence, or repeatedly calling with the intent to annoy.

3. False or Misleading Representations : Debt collectors can not use deceptive or misleading practices to collect a debt. They must accurately identify themselves, the debt they are attempting to collect, and provide information about the consumer 's rights.

4. Validation of Debts : Upon request, debt collectors must provide consumers with written verification of the debt, including the amount owed and the name of the original creditor.

5. Cease and Desist : Consumers have the right to request that debt collectors stop contacting them. Once a written request is received, the debt collector can only contact the consumer to confirm they will cease communication or to notify them of legal action being taken.

FDCPA applies only to third-party debt collectors.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

collection account from XXXX collections was placed on my Equifax credit report. 

On XX/XX/2021 I sent a certified letter to XXXX collections to validate this unknown debt. 

XXXX did not respond to the notice to validate the debt On XX/XX/2021 I sent a second notice requesting validation- no response On XXXX I sent 3rd notice. 

I also sent a notice to Equifax on XX/XX/2021 informing them that XXXX failed to verify the account and to investigate and remove from credit report. Equifax failed to properly investigate this account and responded to me by mail stating the account was investigated and verified. 

On XX/XX/2021 I sent another notice to Equifax informing them that XXXX wont validate the account and its the law to remove As of today Equifax refuses to properly investigate the account and ignore the law by reporting an account on my credit report that couldnt be validated by the collection agency.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX - XXXX,XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  XXXX - XXXX,XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio recovery is trying to say that I owe them money because they bought credit card debt that isnt mine. The card was opened at XXXX XXXX XXXX XXXX XXXX la XXXX in 2017, I have documentation that I have been living at XXXX XXXX XXXX XXXX XXXX XXXX la XXXX for the last 7 years this debt isnt mine. I called them and tried to resolve the issue nothing happened I also disputed with all of the credit bureaus and havent got a response. They are hurting my credit for no reason
Consumer complaint received 2020-01-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (LA)

XXXX XXXX XXXX XXXX / XX/XX/XXXX I received a notification regarding that my credit score was used for this company. I didnt apply or sign up for anything. Im taking that my  personal information was used without my authorization. It has a high impact on my credit & I need help disputing it please. 

XXXX XXXX XXXX/ XX/XX/XXXX I see several reports with this collector on my credit. Ive tried disputing this several times & they denied & refused to remove. I didnt give any authorization of my signature neither did I sign any contracts.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (GA)

Credence Resource Management has illegally placed an account on my credit profile that has been disputed and removed from a different collection agency. This alledged debt has been bought and resold numerous times. I have no contract with the original creditor nor the collection agency. Per FCRA I am requesting removal of this account that was placed on my credit profile without my permission. This is fraud. I will seek monetary damages for this companys actions of not removed immediately
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have sent at least XXXX or more certified letters to Experian begging them to correct my personal identifying information which includes multiple fictional addresses, alias names and cell numbers I can not access. I also provided police reports and restraining orders to show I have a stalker who is doing this and this information is still incorrect and the stalker is being catered to
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (NJ)

My mortgage was sold to Gregory Funding. They were fine the first 9 months and as of XX/XX/XXXX they stopped paying my property taxes. There is more than enough money in the escrow account. I am getting notices from my township about the property taxes not getting paid. As of XX/XX/XXXX, they did not pay the next quarter of taxes either. They are behind by two quarters. The money is in my escrow account. I have over $ XXXX in the escrow account and they owe the township of XXXX $ XXXX. I have attached a copy of my latest mortgage statement along with the letter from my township tax collector. I have called the mortgage company over 7 times in the last 4 months and they literally tell me a check is going out the next day and it never does. I have also written to them 3 times and they have not responded back at all. This fraud. They have my money and they are not paying the taxes. I am worried the township will put my house up for tax sale.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (TX)

I C SYSTEM Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX Original creditor continues to place fraudulent inaccurate information on my credit since XX/XX/XXXX ( 6 mos ). I have disputed this fraudulent more than 3 times, and asked that this be removed from my credit report.
Consumer complaint received 2018-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Two to three months ago I contacted PennyMac to inform them that my income decreased and I would not be able to make a payment ( before the payment was due ), this is where is conflicting of information started. One representative told me I would have to be atleast 10 payments behind for any foreclosure procedures to start so I should be fine ( that sounded odd to me ). I called back a week later when I received an automated call from PennyMac, I spoke with a rep whom stated I would be mailed a mod packet. I was denied for the modification, we are now into the next month and I make a payment ( still one payment behind ). 

The mod rep calls me to let me know I am denied, I ask if there are any other payment options and she tells me to wait until collections commence ( which will happen after the mod denial ). I get another automated call and I call back the next rep I spoke to tells me I am eligible for forbearance, I told her no one contacted me and told me that so how was I supposed to know? She said if I accept the forbearance she would update my account and someone from PennyMac would call me in 3 business days. I am still wondering how was I to know about the forbearance if no one called, if I did not call I wouldn't have known. 

Three business days go by no call. I call PennyMac again, a rep then tells me someone should be calling me in 3-5 business. Five business days go by and no one calls. I call back to speak to a rep and she says a mod packet has been mailed to you???? A mod packet I ask, I am waiting for a call regarding something different. I don't tell her it for forbearance but I did ask her to review notes on my account and tell me what has been documented from the last 3 times I called. She said she didn't see anything noted on my account about forbearance. I'm agitated at this point and ask to speak with a supervisor, she ask me why-I TELL HER BECAUSE I KEEP GETTING CONFLICTING INFORMATION EVERYTIME I CALL!! 

Supervisor gets on the phone goes over my account and says he does see info about the forbearance being under review. He claims he called over to the forbearance department and someone will- '' WILL '' call me back early afternoon about my account. Well its the next day and I have not heard from anyone. This is ridiculous!
Consumer complaint received 2019-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

On XX/XX/2018 I wrote a letter to Merchants Credit Guide to  verify the account. They are reporting to all credit bureaus ( XXXX, XXXX & XXXX ) what is not verified and based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) it needs to be verified. 

On XX/XX/2018, I wrote a second letter to validate my request and provide me a copy of all original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA they are required to delete all unverified information. After two certified and mail returned receipt letters they still are not complying with my request.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with XXXX XXXX XXXX and CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.