davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I advise the Company that I did not apply nor Sign with my handwriting Signature Consenting For Sesvices with them.I also advise I do not know how they got access to my informationbecause my TransUnion account should be frozen.

I am attaching screen shots of my transunion and XXXX report. Per transunion you will see if is showing 2 hard inquiries. Per XXXX you will see 1.
Consumer complaint received 2020-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (OH)

AD ASTRA RECOVERY SERV is stating they attempted to contact me ; however, have NO support evidence to support their statements. Now, they are sending Certified Mail, which should be produced in the first attempt if that was the case. 

With that said, this account should removed off my report until I have the proper opportunity to dispute the information! This should not be listed as in " DISPUTE '' it should be removed and allow me to DISPUTE it as the Credit Act and Debt ACT allows. 

In addition, please provide Assignment of Debt with signature for the CEO of the company stating you have a right to collect this " alleged debt ''. 

Please reference response on the CFPB # XXXX as stated, now they are trying to send a certified letter.
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (VA)

On XX/XX/XXXX we began the process to update our bank account information as our bank account changed. On that day, the first attempt was made to update the information. After repeated trips to our new bank to get a letter written from the bank manager with all the information on the form because they would add another stipulation to be added and would never sent a complete list of what we needed. Finally on XX/XX/XXXX our bank account information was successfully added. The last deposit XXXX XXXX XXXX sent to our old bank was on XX/XX/XXXX and received on XX/XX/XXXX. On the XXXX of XXXX our old bank account was closed permanently. On XX/XX/XXXX {$990.00} was allegedly deposited to our old account. On the XXXX {$49.00}. On the XXXX {$380.00}. On the XXXX {$490.00}. On the XXXX {$110.00}. None of these amounts were received. On XX/XX/XXXX the amount of {$510.00} and on XX/XX/XXXX in the amount of {$1600.00} they deposited the funds to their account ending in*XXXX. I have made calls almost every single day asking where are funds are. I am never given a complete reason on why they will not release the funds, different representatives all say different additional excuses each time. Always say they will pay attention to the ticket request and return a call when something has been updated. We are going on 31 days of our funds being held. We are a small business and their credit merchant services is jeopardizing our operations. They can not and will not solve our issue in a timely manner.
Consumer complaint received 2020-12-11
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CMG MORTGAGE, INC (PA)

I was denied a credit increase of my XXXX XXXX account and denied a refinance based on an inaccurate 30 day late reporting by CMG mortgage for my XX/XX/2020 payment. I contacted the company on Monday, XX/XX/XXXX, and spoke with XXXX XXXX of the Customer interactions team and explained my situation. She advised she would create a work order for the Research department to update my credit report and email me a letter that my payment was NOT 30 days late XX/XX/2020 and that my loan is in good standing. She advised I would have that letter via email in 3 business days. 

I called CMG on Thursday, XX/XX/XXXX, and spoke with XXXX who is an escalation specialist. She advised the work order is in effect and would be completed by the close of business. She stated there was no email entered into the work order by the previous agent, asked for my email, and stated she was adding it to the work order. She further reiterated I would have the email I need by the close of business. 

Friday, XX/XX/XXXX, I never got the email. I called CMG and spoke to 3 agents and spent almost 2 hours on the phone. My last contact was with XXXX ( XXXX ) who was rude, incompetent, and told me she could only request a supervisor call me in 48 hours. 

I have made several attempts to rectify this issue. This company needs to be investigated. Not only have they incorrectly reported me to the credit bureau on several occasions they also kept me on the COVID forbearance 3 months AFTER I paid the account in full before the ending of the forbearance I requested. I continued to receive calls stating I was on forbearance 3 months after completing the forbearance period which was XXXX, XXXX, and XX/XX/2020.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

I had a XXXX balance on my Barclay US card, and reported several disputed charges from XXXX. 
I called several times about this matter already, and was told that I am not responsible for any payments. 
The card statement now shows as late with added interest and penalties, which is wrong and unacceptable. 
I've wasted several hours of my time trying to get your customer service to resolve this. 
If any damage is made to my credit report, I will be filing action against you. 
Please just close the account with XXXX balance.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

in accordance with 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 604 a section 2 states that consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts that harbor late payments that you are reporting are as follows : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XXXX XXXX
Consumer complaint received 2020-08-31
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open unauthorized accounts in my name. 

XXXX XXXX : Acct # XXXX, Amount XXXX XXXX : Acct # XXXX, XXXX/XXXX : Acct # XXXX, Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an  information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (AZ)

This company which 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.
Consumer complaint received 2021-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cohen McNeile & Pappas, PC (KS)

I just had a debt collector take {$1300.00} out of my account without ever contacting me. This is for a collection that they took money out before about 7 months ago. After they took the first bit out without contacting me, my bank gave me their contact info to get more information on why they took everything in my account. They said they tried and tried to contact me, but never left me a voicemail. Since then I have picked my phone up for every call or if I didnt I always call back, even if they dont leave me a voicemail just in case this happens again. Also I have no idea why they took out {$1300.00} if they told me I owe {$1200.00}. So they took even more then what they said they were supposed to. Also after the first time I asked them if I could set up payments so I could resolve the issue they told me they would call me back to set up payments. After talking to them on the phone today they told me they dont do payments, but I found their website and found that they do. The guy I talked to was constantly lying to me. They will not provide a receipt or any other documentation when I have asked for it. I have contacted them multiple times about this issue over the span of 7 months and he has denied this.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (WV)

On XX/XX/2020 I received a phone call from XXXX XXXX informing me that documents were going to be filed against me in XXXX County, XXXX CA. Within a week I then received a phone call from a company called Central Portfolio Control and also informed the gentleman that I would not confirm any of my private information. I then received " An Offer to Resolve '' letter from the same company stating that I owed {$630.00} but if I was going to pay immediately I only owed {$440.00}. I responded to this company stating I did not have any type of loans or credit cards with the two companies referenced, XXXX XXXX XXXX, XXXX or XXXX XXXX. I then contacted our local Sheriff 's Department and was advised to request a copy of my Credit Report and to file a complaint with the Federal Trade Commission. After receiving my Credit Report, I noticed the three companies referenced above were on my report. I filed a dispute to XXXX  stating I did not have anything to do with these XXXX companies. I then sent information to the Sheriff 's Office so they could file a Police Report. On XX/XX/2020 I received information back from XXXX  stating that XXXX XXXX  was going to be removed from my Credit Report however, XXXX XXXX  and XXXX XXXX XXXX XXXX were still requiring payment in full. On XX/XX/2020 I received another letter from Central Portfolio Control stating they had received my initial letter and they provided proof of the charges made on a Credit Card from XXXX. All of the charges are from businesses in and around the XXXX, CA area. In addition my name and an address of XXXX XXXX XXXX XXXX, XXXX CA XXXX was referenced on the statement. I did not nor currently live at this address. I have never made any charges on a XXXX XXXX to the businesses referenced on the statement.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

The credit card company - Chase, keep charging me {$15.00} for when I use my card with a company that does money transfers even though the transaction is a credit card transaction and not a cash advance. This happens even when I use XXXX to pay for services. 

It has happened twice on XXXX where I have paid the fee for a credit card transaction. XXXX has said that even though it is a credit card transaction, and not a cash advance the Chase uses the transaction number to charge a fee. The transaction number is XXXX or XXXX. This is only the category of what the transaction is for and not that it is a cash advance or a charge. It is a description. 

The credit card companies are taking full advantage of this to decide which vendors we can use or not use. That is monopolistic behaviour.
Consumer complaint received 2020-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AL)

I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition, the company is reporting this account differently with all three credit bureaus, which I disputed, and the company verified. Different information with three different companies can not all be accurate, so it is very clear that the company verified inaccurate information.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc. (CA)

Aqua Finance , Inc has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

I am submitting this complaint because I want to get a fair solution to this issue. They have committed multiple violations : post charge-off interest. 
Reporting late payments after closing date ( CCRA ). 
Misrepresentation of facts. 
Unconscionable interest charges. 
Account is falsely reporting as a collection instead of a charge-off. 
Negligence Unfair business practices I want to get the following account removed from my all 3 credit reports : Aqua Finance account. 
Date Opened : XX/XX/2018 Highest balance : {$8200.00}. 

I am willing to get to an amicable resolution. 

Please send the attached documents to the company. 

Thank you.
Consumer complaint received 2020-08-31
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. (FL)

There is a medical collection/chargeoff on my credit report that is unknown and I have aked for verification for 5 months and I get nothing from the bureaus. Also it is a charge off still reporting with a balance of $ XXXX.That is inaccurate reporting. 
this is messing up my credit report because of inaccurate information
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VT)

On XX/XX/2020 an attempt was made to open a credit card account under my name. I immediately reported it as fraud, and the account was closed. I then proceeded to place a freeze on my credit report with the 3 agencies. On XX/XX/2020, I received another notification that the same credit card company pulled my credit report from Experian. Experian allowed my credit report to be pulled on a frozen account. I want all inquiries from XXXX XXXX/XXXX  removed from my credit report, and for Experian to actually freeze a frozen account. Experian does not provide a way to actually talk to a representative, so this is my only option. 
Credit Freeze reference number : XXXX
Consumer complaint received 2021-03-27
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: EQUIFAX, INC. (CA)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Consumer complaint received 2017-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I submitted a dispute with Experian XXXX of XXXX. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX XXXX XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.
Consumer complaint received 2020-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC (SC)

I called the company on XX/XX/2020, spoke with XXXX to provide information regarding my new job. I also asked if I could change my withdrawal date since my paydays had changed. I was advised to send over a check stub once I received one and it would be processed. I was told my payment would be adjusted for the upcoming payment and I would have to call in to make that payment, which I did. I called back on XX/XX/XXXX to verify my check stub was received, and I was good to go for automatic drafts for the next bi-weekly payment and I was assured it was. The XXXX of XXXX, the payment came out correctly. However, another payment came out on XX/XX/XXXX. When I called to verify why, I was told because my check stub was not attached to my account. Thatv made no sense because we verified on the XXXX the stub was there and on the XXXX the bi-weekly payment was automatically drafted as it should have been. I was told the payment was adjusted again and I needed to call in again to have the payment adjusted again. But that's not what XXXX told me. By the way, I kept getting the same representative each time I called in and he was extremely rude this last time I called. I asked could the erroroneous payment they pulled from my account on XX/XX/XXXX be reversed and he said no. I asked for a manager, he said one would call me by end of day XX/XX/XXXX and they never called. I called back to the company that day to withraw my electronic consent. They need to be investigated and fined for not following Reg Z and Reg E.
Consumer complaint received 2017-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " Servicing Enhancements '',  XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my credit score and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting 4 accounts to the credit bureaus, including 2 original accounts and 2 new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.
Consumer complaint received 2021-04-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (NY)

I filed complaint XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I request the debt collector closed and remove its trade line from my credit file because I do not have any contractual obligation for Note and Mortgage for XXXXXXXX XXXX XXXXXXXX XXXX loan # XXXX f/k/a XXXX a/k/a XXXX n/k/a reference number XXXX with FHA Case No. XXXX for {$160000.00} for 360 months, 7.750 % ( Fraud Account ), I was never the owner for the property and never received any funds of {$160000.00} or benefit in any way from the loan. 

Debt collector mailed me note & mortgage for fraud account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and willfully lied when they wrote I have a contractual obligation for a property I never owned and a loan I never requested or received funds from. 

After debt collector received my identity theft affidavit, police report, and ID debt collector lied and claim the fraud account had an address error, this is completely false, see attached foia request from HUD closing documents which debt collector put my name and personal information on without my consent or knowledge. 

Debt Collectors has continue to omitted and make material misrepresentation to me and CFPB. This current debt collector claims the received this fraud account from Ditech Financial LLC f/k/a Green Tree Servicng, please see attached letters from Ditech Financial LLC, Green Tree Servicing, and HUD orginal closing file for the fraud account.