davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
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. (FL)

I am writing in AGAIN about this account not showing up on my TransUnion credit profile! This month makes 90 days since it started reporting. It has successfully reported every month to the other credit bureaus but still does not show up on my TransUnion. I have gone back and forth between Transunion and XXXX XXXX and I cant seem to get anything resolved. I was added as an authorized user on my grandmothers ( XXXX XXXX XXXX ) XXXX XXXX Credit card back In XX/XX/2020. Like I said previously its reporting to XXXX and XXXX   but not Transunion. I have called Transunion many times and was told I had what was called a split credit profile and the agent had to put a ticket in to merge the two files. She said that was probably why its not on my credit report. This was back in XXXX/XXXX time frame and she told me to wait till its fixed to check back and see if its son there. This account reports the XXXX/XXXX of every month to the credit bureaus. At the end of XXXX, it still wasnt on there. I called Transunion again and spoke to A supervisor. He said that sometimes it can take up 90 days and to check back at the end of XXXX. Its now the end of XXXX and its been updated once again on the other reports. I reached back out and spoke to the VP of card services at XXXX XXXX and he assured me that they are reporting to every credit bureau this account and he even sent a letter confirming it. He said each credit bureau has to list the accounts they send over! At this point this is an issue on TransUnion and they are failing to do their job. This is my credit report and stuff need to be reported accurately. Please see attached documents and I need to know whats going on here! Is this account floating out in space somewhere? I do not want to call Transunion again because the agents are so rude and they arent even in the united states and never seem to care about my concerns or try to help me. 

I want this issue fixed ASAP its been long enough.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY (CA)

I received a card through the mail completely unsolicited. I phoned the company intending to inquire as to why. It was computerized so was tricked into activating to be able to speak with someone. Never was able to on 3 occasions. Waited on phone one time for over 45 minutes. Now I have a card activated that I dont want and I dont want to create an account online to cancel anything. Why are they allowed to put my name on any kind of a financial instrument without my knowledge or consent and send it through the mail? That happened yesterday. Received one from another company today. Whats going on? This isnt right. Cant get through to them either.
Consumer complaint received 2021-10-14
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: ENCORE CAPITAL GROUP INC. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AR)

XXXX  DATA BREACH HAS CAUSED PUNITIVE DAMAGES TO MY LIFE BY ALLOWING SOMEBODY PURCHASE HOME AT XXXX XXXX XXXX IN XXXX XXXX TEXAS XXXX AND KEEPS REPORTING IN XXXX  NEXIS LEXIS AND XXXX  DATA BASES THIS IA FRAUDULENT PROBLEM.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020, I noticed that my credit scored declined due to a debt on " XXXX goods. '' I immediately checked my credit card with XXXX, which was paid in full, and I noticed that it was a due payment amount ( {$80.00} ) for fees that were not supposed to be taken. My credit has been excellent due to my responsibility for my payments. I was not even notified about my credit card charges in the email linked to the account. If I hadn't noticed the decline in my credit report ( something that many don't have access to ), then the outcome would have been a big debt. It is just unfair and frustrating. I called the company to fix the situation, and they just told me : " well, close the account, '' which I did. They were not able to return my fees because they stated that they couldn't.
Consumer complaint received 2019-06-04
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. (TN)

I have reached out to equifax about this issue 3 times now. 

There is an account on my credit report with them that has NO original creditor or collection agency name. They are also reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment THERE IS ALSO NO CREDITOR, COLLECTION AGENCY OR COMPANY TO CONACT TO REQUST ANY INFO! 

I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS
Consumer complaint received 2021-10-14
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. (NV)

I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from my Affidavit report attached )
Consumer complaint received 2020-10-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

My 2nd mortgage is with XXXX XXXX, XX/XX/2020 we sent XXXX our monthly payment of {$260.00} which was returned to our checking account, XX/XX/2020 SPS sent us a letter stating that XXXX transferred our 2nd mortgage loan account to them. SPS informed my husband and I that we are in a Balloon Mortgage and the maturity date has expired as off XX/XX/2020 and they will not except any monthly payments but only except the balance of the loan which was {$23000.00}. My husband and I began to apply for various programs with SPS. XX/XX/2020 My husband and I was told that we were denied any programs ( Loss Mitigation and Loan Modification ) that we applied for because the maturity date on our loan expired. SPS informed us that the only option was to  do a short sale on our home, my husband and I do not want to lose our home and we are able to make monthly payments but we can not afford to pay the balance of the 2nd lien upfront. Our 1st lien  holder is XXXX XXXX  and that loan isnt due in full until XXXX. As of today ( XX/XX/2020 ) the balance with SPS has went up to over {$25000.00} due to late fees and other charges. SPS is unwilling to allow my husband and I to make monthly payments or accept us in any type of programs. SPS has sent Short Sale forms for us to sign and mail back to them, that is the only option that SPS is giving us.
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

Please see my attached documents..My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

My correct information is Name : XXXX XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Wrong information on my report - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2022 I mobile deposited two payroll checks. Those checks were then stolen from me and someone attempted to deposit or cash them. My employer did not pay the check a second time. On XX/XX/2022, Capital One adjusts my account saying the check for the amount of {$870.00} was deposited twice. Then on XX/XX/2022, Capital One adjusted my account again for the amount of {$390.00} from the second check with just the reasoning, to correct an error. After hours on the phone with their customer service for me and my employer, trying to get this straightened out, nothing has been resolved. They have not been able to provide proof as to why they took the money, they all act confused like they have no idea what were talking about.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Due to the pandemic earlier this year, I opted to apply for a forbearance and my mortgage company Dovenmuehle mortgage allowed me to skip 3 payments between XXXX and XXXX. On XX/XX/2020 I applied for a deferment so that the balance due can be applied to the end of the loan term ; initially I was told this would take between 45 to 60 days. Since at least mid XX/XX/2020 I have been calling to find out the status of the loan and I'm always told " you should have a response within a week or so ''. I have been calling consistently ( more than 10 times in the last 3 months ). I have even requested for managers to give me a call and they have failed to do so. Now, it's been nearly 4 months and I have yet to hear from them. I have not been provided an update neither by mail or phone. I have been trying to refinance my mortgage since rates have gone significantly down with another lender and I am not able to do this because of this company 's gross negligence. While I am in this process another lender will not finance me. This company is causing me to continue to pay more interest in my current mortgage because of their refusal to do their job and work on my deferment. It shouldn't take nearly 4 months for a mortgage company to handle such a request. It is NOT my problem that they're running behind ; they've had more than enough time to hire other individuals or pay overtime to assist with the extra workload. I want to file a personal Complaint and I may need to file a lawsuit given that this is abuse of power. They're holding my mortgage and me XXXX to this company! I'm sure I am not the only individual that has been wronged by this company and this should be looked into as a class action lawsuit!
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
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. (NV)

The credit reporting agencies did not correct my credit files whereas they are still reporting unauthorized accounts inwhich was derived from my identity being compromised and misused in away, I'm misrepresented. In light of my previous attempts I've also demanded physical documentation as well as the Method of Verification used in regards to these accounts. Before any escalation of these claims charging the major credit reporting agencies, I'm demanding that these accounts be removed and blocked as of this writing. Please remove the following : 1 ) XXXX XXXX   {$700.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX XXXX XXXX {$300.00} 4 ) XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX  XXXX 7 ) XXXX XXXX {$600.00}
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I contacted Phoenix Financial about a debt and asked that they provide validation. I sent the letter certified to make sure they got it ( the certified number is XXXX XXXX XXXX XXXX XXXX ) and they got it in their office XX/XX/2020. After not hearing from them I sent another letter telling them they have to stop collection activities because they ignored my request and they trying to collect on an invalidated account. I, too, sent that certified. To this day they are still reporting this account on my credit report yet haven't provided any information about this alleged debt.
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

This

company whic h I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is ob
ligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-10-28
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX MEMORIAL CT XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX MEMORIAL CT XXXX, TX XXXX MULTIFAMILY 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 2020-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Hello, I have never done business with credence Resource Mana. I have requested a signed contract to validate this debt and they have not responded. I'm in the process of buying a home for my family during a pandemic and this is not helping me. The amount is for {$2200.00}. It's saying the date that was reported is XX/XX/2020. Please help.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records are protected and should not be disclosed. Consequently, any alleged debts revealed that are linked to these records contravene the Family Educational Rights and Privacy Act of 1974, as outlined in 34 CFR 99. Therefore, they must be promptly eliminated from my consumer reports. 

Furthermore, per the FCRA, as a federally protected consumer, I am now also opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. ( 6805 ).