davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit Reporting act XXXX  XXXX XXXX XXXX  : Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WA XXXX ( XXXX ) XXXX XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$770.00} XX/XX/XXXX. {$2100.00} XX/XX/XXXX. {$60000.00} I am a victim of identity fraud. These are the transactions I have in collections for apartments in other states. I have never resided in another state than Michigan. GENSESIS CREDIT MANAGEMENT is the collection company trying to collect money from this. I have disputed this sooo many times. I have made police reports. And I have made an account on identitytheft.gov. I have mailed copies to the agency and my credit companies. I have had all 3 of my credit sites frozen for years and these still somehow get through and put on my collections. I am sick and tired of this!!!!
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying to get help from Select Portforlio 's loss mitigation department unsuccessfully. I fell behind on my mortgage payments and requested a loan modification or any useful method to avoid foreclosure. Unfortunately, SPS has not reviewed my updated loan modification request without bias.
Consumer complaint received 2015-10-21
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: OPORTUN FINANCIAL CORPORATION (CA)

I informed them that I can not have anyone contact me at work regarding a debt. They came into my work threatening to sue me in front of my boss, co-workers and customers putting my job on the line after I told them I can not be contacted there. They are also coming to the house I stay at and leaving notes on the door several times.
Consumer complaint received 2016-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (CA)

I do not owe this debt. This debt belongs to my father. He was born in XX/XX/XXXX. I was born in XX/XX/XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX I submitted a repeal letter for the denial of my loan modification. I was denied again because I was unable to submit the documents due to slow respond from my medical provider. I was told to reapply. I have not received loan modification form for the requested loan modification as I was told I needed to submit new forms. 

I was also that by XXXX my representative that the foreclosure date had been extended until XXXX XXXX. I asked for a letter confirming this and have not received one yet. This is very upsetting and disturbing for me.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NJ)

In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. 

Please remove any latte payments from my credit report for the following : XXXX XXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

last month on the XXXX, i sent out letters to all three credit bureaus in regards to inquires i did not authorize or have any acknowledge of. I was appling through a first home owners program a few months back and thats when i was denied. when i requested my credit report i found over 16 inquiries on my report. 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 XXXXXX/XX/XXXX ). IN return the credit bureaus stated that my request for deletion could not be completed due behind my letters looking like they were sent from a credit agency on my behalf which i clearly sent these letters myself. i was also told by the bureeaus to write a letter disputing the inquries and a complaint from the CFPB, FTC OR POLICE REPORT along with providing a copy of the CFPB complaint with a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people i spoke with also. As of today XX/XX/XXXX, i have gotten no updates or satisfaction so on XX/XX/XXXX i will repeat the same process again to all three credit bureaus
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I checked my checking account and noticed an unauthorized wire transfer for {$42000.00} to someone unknown called XXXX XXXX on XX/XX/2020. 
I disputed the transaction, and I have not received my money back. Wells Fargo sent me proof of the transfer made by someone who must have used a fake passport and made a fake signature. Then, I sent my passport to the security department. My visa was already expired. Therefore, I request my money back. I need my money to pay for an expensive XXXX for a relative. This transfer was a fraud.
Consumer complaint received 2016-10-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (CA)

I do not believe the claim for {$1300.00} from : " CAPIO PARTNERS LLC '' or " XXXX / XXXX XXXX XXXX XXXX '' is legitimate. 

1. I received an invoice from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX is for services dated XXXX/XXXX/XXXX ( almost 6 years later ). See attachment # 1. 

2. I called XXXX ( XXXX/XXXX/XXXX ) and they referred me to you CAPIO PARTNERS. 

3. I called CAPIO ( XXXX/XXXX/XXXX ) and left a voicemail asking them to call me. 

4. I recently called my insurer, XXXX XXXX ( same insurer as service date in XXXX ). XXXX XXXX told me there were no claims filed for an ambulance, service date XXXX/XXXX/XXXX or for any other surrounding dates. XXXX XXXX also told me it was now too late to file a claim ( the 2-year window expired ). 

5. I recently discovered that XXXX / XXXX XXXX XXXX XXXX is affiliated with XXXX ( the invoice was for ambulance service ) .Apparently XXXX XXXX XXXX XXXX XXXX XXXX as a joint venture between Rural XXXX XXXX and ... See attachment # 2. 

6. Our local news station aired a segment criticizing XXXX XXXX for their billing ( lack thereof ) and their collection practices. See attachment # 3.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT.

I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I had a XXXX XXXX credit card open last year when I was under age and I never knew about it. This year ( XX/XX/2024 ) I have dispute it off my credit report and it have been investigated as accurate but it still affecting my credit and I did not open this account
Consumer complaint received 2020-10-16
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. (WI)

My credit report says there's 19 hard inquiries that i did not do 17 NOF THEM I ONLY APPLIED FOR 2 XXXX XXXX XXXX XXXX I contacted them EQUIFAX XXXX XXXX & THE CREDITERS asking to send me a letter to confirm i never order service they said they will i never got them its still on my credit i'm trying to fix my credit i contacted equifax XXXX  & XXXX  only XXXX  removed them theres a pay day loan i never got tried reaching out to them it wasn't successful please help me i paid services to help repair my credit cause i didnt know how to do it myself XXXX XXXX   just got over i paid them for 2 years score worst then they removed items only there back on there
Consumer complaint received 2016-04-15
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: National Business Factors (NV)

I AM XXXXYRS OLD LIVING ON SS AND GOV SUBSIDIZE HOUSING I MADE A AGREMENT WITH THE XXXX XXXX XXXX XXXX XXXX TO PAY THEM XXXX DOLLARS A MONTH BY THE XXXX OF THE MONTH UNTIL MY DEBT OF APPROX XXXX DOLLARS WAS PAID. IT IS NOW ABOUT XXXX DOL. I HAVE NEVER BEEN LATE PAYING THESE PEPEOLE, THEY ARE NOW SAYING I WAS LATE XX/XX/XXXX WHICH I WAS NOT THE CK WAS SENT ON XXXX XXXX XXXX EVEN THOUGH THEY DIDNT CASH IT TILL THE XXXX. THECO NATIOAL BUINSESS XXXX INC XXXX XXXX XXXX XXXX XXXX. NV XXXX THEY HAVE SENT ME SEVERAL THREATING LETTERS. THEY HAVE UP TO THE PRESENT HAVE CASH EVERY CK INCLUDING THIS MONTHS CHECK. I AM ASKING FOR RELIEF FROM THIS HARRASMENT. I AM PAYNG AS AGREED!
Consumer complaint received 2015-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Resources, Inc. (TX)

My physician 's office mistakenly sent this account for collection in XXXX of 2015. My physician 's office took action right away when they determined that they had sent the account to collections in error and immediately contacted the collection agency to have the account removed. This occurred in early XXXX 2015. I just checked my credit reports and the collection accounts are still on all XXXX credit reports. When I called the collection agency, they would n't help me to remove the account, they just told me to file a dispute with the credit agencies. They did n't even ask for my account number, just said that they would have done it right away. Basically, they said that it 's my problem, not theirs, and I need to go through the dispute process to have the inaccurate removed.
Consumer complaint received 2022-02-07
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. (GA)

I mailed off dispute letters to Experian, XXXX, and XXXX on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from my credit report.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax is reporting a " hard credit inquiry '' from XXXX XXXX XXXX XXXX, XXXX. I told Equifax that ( 1 ) I never asked XXXX for any services ; ( 2 ) XXXX does not provide any services in XXXX where I live ; ( 3 ) XXXX told me that they have no record of any account or request in my name ; and ( 4 ) XXXX told me that they did not make any credit inquiry about me. Nevertheless, despite repeated requests, Equifax refuses to remove the erroneous information and this is adversely affecting my otherwise " excellent '' credit score. I have written to Equifax several times, pointing out the absurdity of their report, but they have refused to remove the false item from my credit report ( which, by the way, is not shown on any other report from any other credit reporting agency ). I told Equifax that their inexplicable failure is costing me time and money, and that I would report their misconduct to you, but they do not seem to care.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

XXXX XXXX XXXX  / XXXX / {$9300.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (FL)

To whom it concerns, Fay Servicing continues to send the paperwork to wrong law firm over and over again. They have now sent a XXXX to my previous firm who failed to forward the document. I demand, let me say that again, DEMAND all of the paperwork and supporting documentation for the XXXX. I want ALL of the accounting records and proof that it should be issued. Because you took my property with faulty paperwork and sold it. The debt was paid in full now. I ca n't believe how many times I have filed complaints against this company and they break the law and ask forgiveness. And they get away with it. So, I demand a copy of the XXXX and all accounting records for proof. Please send it to the correct address this time.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

XXXX. I am unable to get my XXXX credit report. This has been a persistent problem. 
XXXX. My Equifax credit report shows a drop in my credit score of XXXX points even though there has been no negative reporting on my report. 
XXXX. My XXXX account shows no update to my XXXX and XXXX credit scores since XX/XX/XXXX. 
XXXX. My XXXX account shows no update to my Equifax credit score since XX/XX/XXXX.
Consumer complaint received 2022-02-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (TX)

My husband XXXX XXXX and myself ( XXXX XXXX ) tried to purchase a XXXX home at the property address of : XXXX XXXX XXXX XXXX, TX XXXX through the sales person XXXX XXXX of XXXX XXXX  ( Phone Number : ( XXXX ) XXXX ) ) using our XXXX  Approval Letter from XXXX XXXX at XXXX XXXX. However, the sales person XXXX refuses to put us under contract for the home because he states we are using an outside lender and his corporate office will not accept our approved letter. This is illegal as they can not deny us for simply using a lender that is not one of their preferred lenders.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I received an alert that my Citibank credit card account had been compromised and to call them ASAP. When I called, I was told that a vendor I had used had been hacked and that my number was on the list of stolen numbers, and that my card should be shut down immediately. But they would n't tell me which vendor, and then they refused to send me the replacement card before closing the account -- which is incredibly inconvenient because I have many automated payments scheduled. I do n't see why they ca n't send out the replacement card with the new number before closing the old card, that would be more convenient for customers ( especially when we 're not responsible for this fraud in the first place ).
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close XXXX XXXX XXXX XXXX XXXX XXXX XXXX has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to XXXX she confirmed I was paid through XXXX. I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus. <P/>Not more than two payments past due ( 2 ) - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has flagged your account as Not more than two payments past due ( 2 ). Alert Type : Potentially Negative Found On :XX/XX/XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. <P/>Balance spoke to XXXX last payment made- way XX/XX/XXXX. Paid up through XX/XX/XXXX. Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who I relayed my request for resolution! I finally Reached XXXX a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Consumer complaint received 2016-11-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A. (CA)

I was contacted several times by this agency, while i was at work even do i asked not to because it was compromising my job. 
I already know that this company used this unique way toward other people to get their process done.
Consumer complaint received 2016-10-29
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: CNG FINANCIAL CORPORATION (WI)

Check-n -Go XXXX XXXX XXXX say i owe them cash i dont the last ower had got paid and i feel this person is wrong for asking to repet it i dont understand wat was ask how it got paid was deit reflel program instant help by XXXX XXXX XXXX is unfair missing from my check on XXXX of month by way that is my rent hay a waivie plesae.
Consumer complaint received 2022-08-15
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)

I have disputed these items on XX/XX/22, XXXX, and XX/XX/22 for the FCRA violation these medical collections are in violation and can not be on my consumer credit report. Equifax, XXXX, and XXXX have all broke the law and are now ignoring my dispute demands that the are legally obligated to.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

I received emails from XXXX Credit Bureau XX/XX/2022 and XX/XX/2022 informing my credit had XXXX hard inquiries from XXXX XXXX XXXX and XXXX more from XXXX XXXX XXXX. I do not have accounts in XXXX XXXXXXXX XXXX neither I have asked any credit or loan to them. They did without my authorization and my credit has been deeply affected. This bank uses to send credit cards that have not been required. They did it around XXXX  years ago and I never used it. Id appreciate those inquiries be removed from my record as soon as possible. On the other hand, I have an Amazon/Chase card in good standing and enough credit amount so I have not asked any credit increase or loan to Chase neither to open a new account absolutely. 
Attached all evidences and a register of my exceptional payment history.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I purchased car equipment from XXXX, item arrived damaged, I contacted XXXX, and they refused to help stating shipping company damaged item, refund would not be paid, I dispute with financial institution Chime, and was denied, I am still waiting on documents they used to deny my claim The Claim number for this dispute is XXXX for account ending in XXXX