davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (KY)

In accordance with FCRA these creditors has violated my right under 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agenency can not furnish an account without my written consent or instructions. Under 15 USC 6801 states that i am protected of non-public information. I was violated, inaccurate information is being reported to my credit report. The FRCA 15 USC 6802 obligations with respect to disclose personal information. Creditors are supposed to provide consumers they do business with 3 disclosures forms 1. Form stating they are going to report your personal information to consumer agenacies. 2. You have the option to opt out if you dont want your information reported 3. Form explaining how to exercise your right to opt out and the steps to take.

All of the listed accounts are reporting as " charged off '' the irs views charge offs as gross and ordinary income and i have never recieved any off the XXXX form cancellation of debt forms so inaccurate is being reported. There is also inaccurate information reporting different information and different dates. 
XXXX XXXX XXXX is charged off XXXX balance update is XX/XX/XXXX Transunion is reporting a balance update of XX/XX/XXXX and XXXX is reporting a update balance on XXXX.Transunion is also reporting a high balance of {$430.00} and XXXX and XXXX doesnt report a high balance all creditors show a past due balance of {$240.00} XXXX XXXX XXXX XXXX is being reported as charged off XXXX balance update is XX/XX/XXXX Transunion is reporting balance update XX/XX/XXXX and XXXX is reporting balance update XX/XX/XXXX tyransunion is reporting a high balance of {$1000.00} and XXXX and XXXX is not reporting the same information XXXX XXXX XXXX XXXX XXXX is charged off reporting balance update XX/XX/XXXX Transunion is reporting balance update XX/XX/XXXX XXXX is reporting balance update on XX/XX/XXXX there is a past due balance of {$8800.00} from all creditors XXXX. XXXX XXXX XXXX is being reported as charged off with a update balance being reported on XXXX XX/XX/XXXX transunion is reporting a balance update XX/XX/XXXX and XXXX is reporting a balance updateXXXX XX/XX/XXXX Transunion and XXXX are reporting a past due balance of {$2900.00} XXXX is not reporting this XXXX. XXXXXXXX XXXX XXXX XXXX is chharged off and XXXX reporting a balance update on XX/XX/XXXX Transunion reporting balance update on XX/XX/XXXX and XXXX is reporting balance update on XX/XX/XXXX XXXX and XXXX is also reorting a past due balance of {$520.00} transunion is not reporting this information XXXXXXXX XXXX XXXX XXXXXXXX is reporting as charged off XXXX is repporting balance update on XX/XX/XXXX Transunion reporting balance update XX/XX/XXXX XXXX  is reporting balance update on XX/XX/XXXX XXXX  and XXXX is also reporting a past due balance of {$1000.00}
Consumer complaint received 2024-02-22
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. (AL)

I am writing to address a matter of utmost urgency regarding the inaccuracies present on my credit report. It has come to my attention that your bureau has failed to accurately reflect my credit history, which has had detrimental effects on my financial standing. 

The inaccuracies on my credit report are not only egregious but also intolerable. These errors have unjustly tarnished my reputation and hindered my ability to secure loans, housing, and employment opportunities. As a responsible consumer, I have diligently monitored my credit history, and it is unacceptable to find such blatant discrepancies. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Your failure to promptly address this matter will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I expect a swift and thorough investigation into this matter, along with transparent communication regarding the steps being taken to resolve it. Any further negligence on your part will be met with the full force of the law.
Consumer complaint received 2018-03-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (KY)

11 years ago we took out a loan with Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX, Ca XXXX for the amount of XXXX. In XX/XX/XXXX they stopped accepting payments saying that our loan had " matured ''. They wanted the full balance of approximately XXXX. We started the process of withdrawing money from our XXXX. After the money was received we called to submit payment and our payment was denied due to our balance had grown to over XXXX with interest. We've made several attempts over the phone to make this payment plus mailed a check for the XXXX to try and stop the extremely high interest we are accruing. As of today ( XX/XX/XXXX ) we were once again told " No ''.
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (UT)

Nelnet has my XXXX benefit documentation yet has failed to update all of my loans and payment status accordingly. They have repeatedly kept asking for social security documents and continuously keep switching me to REPAY then back to PAY AS I EARN then back to REPAY every few months. I do not have a review with the social security administration for another 7 years!!! This is working on my account in bad faith and intentionally trying to create a default on my student loans. A social security recipient should have to continuously keeps going through this every few months with Nelnet. I need the CFPB to investigate on the complaint on this matter.
Consumer complaint received 2020-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My dad has the same name as me ever since he left when i was a kid he has been using my social security number to open and try to open numerous accounts under my name cause hard inquiries on my credit report which effected my credit score harshly its making it hard for me to get an apartment or even try to open a account to build my credit.
Consumer complaint received 2023-03-09
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: SYNCHRONY FINANCIAL (UT)

On or about XX/XX/XXXX a purchase of a XXXX XXXX was made by XXXX XXXX on Amazon with his Amazon store card owned by Synchrony bank in the amount of {$970.00}. 

On or about XX/XX/XXXX Amazon then delivered a product not matching the description of the product ordered. The picture of the product didn't match, nor did the stated features. Shipment was rejected and not accepted by XXXX XXXX upon inspection that same day. Proof of non acceptance attached. 

On or about XX/XX/XXXX Seller of Amazon offered a {$50.00} discount to resolve the non acceptance/wrong item. 

On or about XX/XX/XXXX Amazon picked up the item and stated they received the item and would processed the refund in 3-5 business days. 
Proof of Amazon stating they received the goods attached* On or about XX/XX/XXXX XXXX XXXX XXXX a dispute with Synchrony Credit per their guidelines pertaining to the XXXX XXXX 

On or about XX/XX/XXXX Synchrony Credit sided with Amazon due to Amazon making fraudulent statements in their rebuttal which can be disputed with proof. 
Amazon lied and stated that we never rejected the shipment.

However, since Amazon owns Synchrony bank no fair consideration was given to factual proof.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NY)

This company has been calling my phone more than once to collect a debt. The first time they called, the representative held the phone and later disconnected the call. The second time, they called my phone and hanged up as soon as I picked up. When I call back, I received an automated system which indicated the caller is SUNRISE CREDIT SERVICES. 

When transferred to speak with a representative, the person on the other line requested a name that I had no idea who the person is. She indicated the call was a mistake. 

Unfortunately, this company has called my phone a bit too much and it needs to be reported.
Consumer complaint received 2018-03-30
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)

For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( TRANSUNION. XXXX XXXX ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on XXXX   went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and XXXX put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call XXXX about my credit? Now XXXX  has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! TRANSUNION has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX  they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX  with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great XXXX  who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness
Consumer complaint received 2017-08-03
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. (FL)

XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, XXXX and Experian for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
Consumer complaint received 2018-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

I APPLIED FOR HARDSHIP ASSISTANCE AND TRIED TO MAKE MY PAYMENT SEVERAL TIMES, MY PAYMENT WAS DUE IN XX/XX/2018 I MADE MY MORTGAGE PAYMENT AFTER STRUGGLES OF TRYING TO MAKE IT WITH SPS. AFTER I FINALLY GOT A HOLD OF SOMEONE ON XX/XX/18 WITH SOME HELP THEY INFORMED ME TO WIRE FUNDS TO THEM WHICH I DID AND I GOT MY CONFIRMATION. I WAS THEN TOLD THAT I WAS STILL DELINQUENT AND THAT I TELL MAKE MY FULL PAYMENT, THEY REPEATED BACK TO THE AMOUNT I MADE WHICH WAS {$900.00} AND THAT IS WHAT THE APPROVAL SAYS. HOWEVER THEY ARE STATING THAT THEY CANCELLED IT OUT DUE TO NON-PAYMENT. I AM SO FRUSTRATED WITH FIGHTING WITH SPS TO GET APPROVED NOW I AM APPROVED AND THE LENDER IS NOW FIGHTING ME ON TAKE THE FUNDS FOR MY APPROVAL. 

FHA GUIDELINES ARE VERY EASY TO FOLLOW EVEN IF IT IS 1009 PAGES, IT IS APPARENT THAT IT IS NOT SPS POLICY TO BE KNOWLEDGEABLE WITH THE GUIDELINES FOR THE INVESTOR AND THE LOANS THEY SERVICE. FOR THE MANAGERS AND THE EMPLOYEES IN THE LOSS MITIGATION DEPARTMENT I HAVE WENT THROUGH FHA GUIDELINES AND HAVE POSITED BELOW SO YOU CAN SEE THE GRACE PERIOD FOR ALL TRIAL MODIFICATIONS IS THE FULL MONTH IT IS DUE, NOT ONLY ARE THEY NOT FOLLOWING FEDERAL REGULATIONS ON MY FHA LOAN WITH THE PAYMENT. I WAS ALSO SUPPOSE TO SIGN AN AGREEMENT WHICH WAS NOT SENT TO ME, I ONLY RECEIVED A ONE PAGE APPROVAL.

FHA GUIDELINES : ( b ) Trial Payment Plan Failure The Borrower has failed the TPP when one of the following occurs : the Borrower does not return the executed TPP Agreement within the month the first trial payment is due ; the Borrower vacates or abandons the Property ; or the Borrower does not make a scheduled TPP payment by the last Day of the month it was due.
Consumer complaint received 2018-03-29
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. (GA)

I HAVE SENT 4 LETTER OF VALIDATION TO CREDIT REPORTING AGENCIES FOR A LATE PAYMENT SHOWN ON MY MORTGAGE ON XX/XX/2017, THEY HAVE FAIL TO PROVIDED ME WITH NAME OF PERSON, PHONE, FAX OR CONPLETE CONTACT INFORMATION TO WHOM THEY HAVE SPOKEN TO VALIDATE THESE LATE PAYMENT .THAT I F A VIOLATION OF FCRA , THEREFOR I'M REQUESTING THEM TO DELETE THIS LATE PAYMENT BECAUSE IT HAS BEEN MORE THAN 30 DAY AND THEY HAD NOT PROVIDE 100 % ACCURACY.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (GA)

I had an account with Rise please reference RE : XXXX XXXX ; CFPB Case # XXXX. I paid the amount owed in total to NCB Management Services with the understanding that they would not report anything to the credit agency. This debt has been paid in full and I would like to have it taken off my XXXX Report.
Consumer complaint received 2021-02-21
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. (PA)

I noticed XXXX XXXX XXXX XXXX reported to a charge off to all the three major Credit Bureaus before 90 days. Per the FDIC 5000 - Statements of Policy ; Open- and closed-end loans past due 90 cumulative days from the contractual due date should be classified Substandard. 

Which the balance was paid before the account was reported as a charge off.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

Notice for Proof of Claim Account : JEFFERSON CAPITAL BAL {$580.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-03-04
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. (LA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2018-03-29
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: EQUIFAX, INC. (PA)

On XX/XX/2015 XXXX XXXX XXXXXXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$290.00} XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$300.00} XX/XX/XXXX Security Deposit Applied Other XXXX XXXX. ... XXXX {$190.00} So, this Capital One Credit Card company decided that because of my ACH payments were returned twice, the company decided to close my account, I was simply trying to build my credit, and apparently having returned payments to a credit card company brings your credit score down, or so they say. Also I am complaining that the representative supervisor decided to hang up on me because she said I was being rude and not speaking at a professional level, well when Capital One Department decides to close your account behind your back without talking with you, and says they sent you a letter determining the reason of closing the account, why cant these guys be professional. I will never do business with them again,
Consumer complaint received 2015-05-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CO)

I HAVE BEEN DISPUTING XXXX XXXX BUSINESS XXXX ACCT ENDING IN XXXX WITH XXXX XXXX FRAUD DEPT XXXX ID # XXXX PHONE # XXXX EX XXXX - ON XX/XX/XXXX HE INFORMED ME THAT A BALANCE TRANSFER FROM THIS FRAUD XXXX XXXX BUSINESS XXXX ON XX/XX/XXXX {$4100.00} WAS PAID TO AN AMERICAN EXPRESS ACCT ENDING IN XXXX IN MY NAME. I CONTACTED AMERICAN EXPRESS AND WAS INFORMED THAT AN ACCOUNT WAS NOT OPENED IN MY NAME AS THE CARDHOLDER - BUT AS AN ADDITONAL CARD. I REPORTED THIS AS FRAUD. I NEVER KNOWINGLY APPLIED OR ASKED TO BE ADDED AS AN ADDIONAL CARD HOLDER. THIS NEW INFORMATION IS NOW UNDER INVESTIGATION.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I received a letter on XX/XX/21 from TransWorld Systems , Inc., claiming they were trying to collect a debt for {$1100.00} for XXXX XXXX XXXX XXXX XXXX. The letter was dated XX/XX/21. 

This is the first time I have ever heard of this debt, and I certainly do not owe XXXX any money. 

I have written a debt validation letter to TransWorld which I will mail on XX/XX/21. 

I plan on filing a police report in XXXX, PA, claiming fraud.