davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
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 — Problem with personal statement of dispute
Company: U.S. Collections West, Inc. (AZ)

XXXX XXXX XXXX- This " Collections Agency '' is rude and unprofessional. I called XX/XX/XXXX regarding a report on my credit for XXXX XXXX that I was unaware of. When I called I spoke to a rude man by the name of XXXX he told me that I owe a small balance of {$430.00}. I did inform him that I never even knew I had a balance that the apartment complex never contacted me and I even updated my address and have the same phone number. If I knew I had a balance of {$370.00} I would have paid it. I asked him how many times I was called regarding this debt. He informed me 2 times, one time in XXXX and another in XXXX keep in mind I moved out XX/XX/XXXX. I asked him why I was only called 2 times. He basically informed me that my account was small and he had other bigger accounts that needed to be collected. He said let me ask you a question how many times did you call to get your deposit back he said " if that was my {$400.00} deposit I would be calling everyday. '' I requested to speak with his boss to complain about his horrible customer service he then passed me to XXXX. I Informed XXXX of how disrespectful his employee was being to me and told him I work in collections and I would never speak to anybody the way XXXX spoke to me when I was the one calling trying to resolve this debt that I knew nothing about. He informed me he will monitor our call but I still am responsible to pay. He also told me its not his job to monitor my credit that if I would have ran my credit I would have seen it advised him that I do not even have a credit card and if I did owe you would think that they would call me more then 2 times in 4 years what kind of collection agency does that. Advised I have no problem paying it because I need it to be removed off my credit. So I go personally down to the office to pay debt in full and he then tells me he can not provide me a letter stating it will be removed or deleted. I was willing to pay off my debt but he was unwilling to provide me a letter that states when i payoff balance it will be removed or deleted off my credit report
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (PA)

3 years prior I contracted with XXXX for a 12 month agreement at XXXX per for a voip line, at month 13 they tripled cost, I completed contract so I cancelled service, they continued to bill my account of which i had removed from their website, so they collected funds not owed, without my consent. I received a letter on XX/XX/20 from RMS, receivables Management Services a 3rd party collection company, attempting to collect a debt that is erroneously.
Consumer complaint received 2020-09-19
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)

On XX/XX/XXXX I contacted Transunion by certified letter to dispute inaccuracies on my report. That was actually my second letter, the first I didn't send certified so it was ignored and no response was given. So on XX/XX/XXXX I sent another letter. I requested the method of verification and none was given. on XX/XX/XXXX I sent another letter concerning all the inaccuracies on my report. On XX/XX/XXXX I sent yet again another letter pointing out the inaccuracies my report. XX/XX/XXXX I sent a letter once again because an account was and has been in violation from day one. The response was that they wouldn't reinvestigate the XXXX XXXX account because it had been verified. On XX/XX/XXXX I sent a letter stating that they were unwilling the perform a proper investigation. I asked for the files they have that proves this was my account since XXXX  couldn't provide a proper validation how could they? As I understand it the Federal laws state I can ask for that information and they are to provide per my request or Remove the disputed account. Needless to say my request was ignored. I am enclosing all the letters I wrote to Transunion about these unverified accounts. Please advise me as to what other steps I need to take, what other agencies I need to contact to get this matter resolved.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 my wallet and phone were stolen from my friend 's car in XXXX XXXX XXXX XXXX while we were surfing. On that date I called Chase to report that my card had been stolen along with my cell phone and they said that they canceled the credit card, were reimbursing me, and generally were very helpful. The charges were On Monday, XX/XX/2020 I went on my account and the two charges had been billed to me. One is for {$2300.00} at XXXX 's and the other is for {$9100.00} at XXXX XXXX. When I called to again dispute the charges I was told that they had reauthorized the charges afterward because they had been verified or confirmed by my cellphone. I can already tell what is about to happen : they are going tot try and say that I never told them that my cellphone is stolen. 

Now they are saying it will take XXXX business days for them to review the transaction. In the meantime my credit score is shot and my credit limit trashed. I submitted the case number to them but only time will tell.
Consumer complaint received 2017-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

I received a letter from Credit Collection Services for an auto insurance debt with XXXX XXXX. I explained to both Credit Collection Services & XXXX that this was not my debt, I had no knowledge of this, nor did I consent to be added to this insurance policy. I also explained that this was my soon to be ex-husband 's debt & we are going through a divorce. I explained that we have been separated and living apart for more than a year & we have two separate addresses ( two separate states ). I followed up the phone call with a letter on XXXX XXXX, 2017. This issue is still unresolved and XXXX continues to try to collect money for this debt from me. I have also reported this incident to the XXXX County Sheriff 's office in XXXX MD who told me that there was nothing they could do. They also told me " this is a civil matter and that its not against the law to use a spouse 's information to get credit or open accounts without their consent ''. This is not only affecting my credit but putting my job ( security clearance ) in jeopardy.
Consumer complaint received 2017-10-27
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. (AZ)

On XXXX XXXX, XXXX I, XXXX XXXX XXXX sent over to the repositories TransUnion, XXXX and XXXX XXXX Validation notices. 

I have contacted your organization twice before XXXX XXXX, XXXX and XXXX XXXX, XXXX. Have n't heard anything in regards to erroneus information on my credit reports. 

I am attemping to purchase a home for my family. And would like to make that an American Dream of mine. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (MI)

This is a debt buyer! The representative refused to provide proof of the debt and a wet ink signature stating I owe them. 

The representative was very rude and kept asking me for my visa/master-card information to pay. I do not owe this debt and I do not owe them.
Consumer complaint received 2023-01-31
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items offof my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$110.00} XXXXXXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$260.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$6600.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance {$710.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance {$740.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX XXXXXXXX XXXX Balance {$7400.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2020 I sent in documents showing inaccuracies on my credit report. I havent gotten a response back yet and it has been well over 30 days. I also sent in a letter following up with them. yet I still haven't got a response.
Consumer complaint received 2020-05-05
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX  # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 

failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-10-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION (CA)

I was contacted by my mother on XX/XX/XXXX who contacted me in regards to someone saying they were with the State trying to collect on a bounced check for a payday loan I took out back in XXXX. I was given a phone number and a person to contact. When contacted the person she said she was a mediator between the payday loan company so the pay day loan company wouldn't take me to court and place a judgment on my credit report for the amount owed of {$580.00}. She then said I needed to pay the balance in full if i couldn't pay the balance in full it could be broken into 2 payments of {$290.00}. She then transfered me a guy who said he was on a state recorded line to make a post dated payment for the amount of the full balance in two parts which was more than I received from the payday loan XXXX {$300.00} ). I then received a docu sign document for a dollar amount as a promise to pay in regards to stopping " Court Process and attorney fee 's ''. from a XXXX XXXX to my email address on XX/XX/XXXX.
Consumer complaint received 2020-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I am behind on my FHA mortgage for 9 months now. I would like XXXX to do a partial claim with the FHA. XXXX states that I must apply for this just as a loan modification. I am 9 months past due, and I am scared they will not get to it in time. I sent a workout package and I desperately need help. I do not want to lose my home. Please help me.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is reporting information to XXXX that has enabled them to keep a negative account that should have been deleted in XXXX, active ... according to XXXX, until XXXX XXXX, 2017. I filed a dispute with XXXX stating that the account from BOA should have been deleted ion XXXX. They claim that information received from BOA during their investigation of my dispute causes them to keep the account open for 10 more years.
The account should be deleted immediately. If what XXXX is claiming is true, information that BOA supplied them is in error.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WI)

This is not my account. I 've disputed it and contacted this company several times since XX/XX/XXXX up until XX/XX/XXXX they did n't respond most of the time and the few times they did they stated it was valited but could not provide me a True validation with a signed contract. Anyone can get someone 's name, address, and email address. I want a TRUE validation with a signed contract!
Consumer complaint received 2023-01-31
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items get corrected immediately for they are greatly harming my credit. 
XXXXXXXX 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 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 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 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX of XXXX I purchased 2 tickets from XXXX XXXX in the amount of {$2500.00}. The flight was from XXXX to XXXX with a layover in XXXX. 
These were for a funeral. The layover was supposed to be a couple of hours but ended up being 24hrs long causing us to miss connecting flights, reservations, and ultimately the funeral. 
For about a month I went back and forth with Turkish airlines because they made additional charges to my account without my authorization ( same credit card ). 
I finally filed a dispute with my bank on XX/XX/XXXX of XXXX. Today on XX/XX/XXXX they reversed the {$2500.00} credit on my credit card without any explanation. There was no letter in the mail nor was there a message on the banking app. 

I use Bank of America. I called the bank and they told me there is nothing they can do to assist me. They allowed charges to be made on my account that I didnt authorize and they refuse to reverse charges for a services that wasn't properly delivered to me and caused me to lose a lot more money.
Consumer complaint received 2023-01-31
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. (MA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-05-17
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. (AL)

I have submitted several disputes on behalf on my account with XXXX XXXX. There are two late payments for XX/XX/XXXX and XX/XX/2019. XXXX  corrected the error then they put it back past due 30 days after a week. I am confused as to why they are manipulating my credit profile. XXXX XXXX has also submitted two-three disputes on my behalf to correct these errors and the mistake has gone uncorrected. This needs to be fixed because this account has never been late
Consumer complaint received 2021-11-28
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 — Investigation took more than 30 days
Company: DISCOVER BANK (FL)

I filed a dispute in regards to the incorrect items on my credit reports XXXX XXXX it has been well over 30 days and I have not received any investigation results.