davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (OH)

My consumer report has just arrived and I check it immediately. I was surprised to see inaccurate information included on it. I am talking about XXXX and XXXX XXXX XXXX. Both of them are reported because there are multiple incidents of late payments. For your record, I am always paid on time as agreed. This must be updated immediately. The other one must be removed from my consumer report as it is already a collection and charged off account. You don't have any idea how this caused me so much that I can't even move forward of acquiring a house for family. Your immediate action is highly appreciated.
Consumer complaint received 2023-01-27
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: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting act JPMCB CARD Account # 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 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.
Consumer complaint received 2020-05-06
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. (NY)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX  {$84.00} All have shown no proof therefor needs to be immediately  removed off credit file
Consumer complaint received 2023-01-27
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Equifax is letting XXXX report inaccurate information it has been past 30 days with no response from the company and they have failed to take action. The letter was sent certified XX/XX/XXXX and I have not received verification from the company by law this account must be removed. I called today XX/XX/XXXX and spoke to XXXX XXXX and she told me there is nothing I can do and agreed this information should be taken off my report but there was nothing she could do on my end. Equifax is reporting a past due XXXX dollars and has the account as opened as well as the monthly payment being incorrect. It also shows a balance of XXXX dollars when the account is paid. This is my last exhaust to remove this account from my credit profile it has had last effects on my personal life and me being able to move on to the next chapter of my life.
Consumer complaint received 2023-01-27
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. (MO)

In accordance with the fair credit reporting act, these companies XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Pro collect is trying to collect {$330.00} for XXXX XXXX apartments when I have never lived or applied there. They claimed that I may have co-signed for someone and I did not. This is not my debt and they refuse to delete it from my report. I was never sent a dunning letter about this debt prior to it hitting my report and they have not be able to provide a copy of the lease contract that they allege that I had with The XXXX. I spoke to a representative today ( XX/XX/2018 ) and he says he was looking at my lease contract but he refused to email it to me. I want this erroneous debt removed from my report ASAP!
Consumer complaint received 2018-07-10
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, ACCT XXXX IS FRAUDULENTLY APPEARING ON XXXX , EXPERIAN AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED EXPERIANS CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (IN)

I woke up to my Current account being Under Review after contacting Currents support, turns out their phone lines are down because of COVID Im assuming? I then chatted with Current in the app and was told to reply to a email from the Account Services Team. I checked my email to no avail, Ive received nothing from Current regarding this ( but I have received emails regarding some new promotion Currents having ) oddly enough. Ive yet to receive a response, I messaged them on XXXX, sent numerous emails with no response. Ive reviewed complaints regarding this same issue on XXXX  website and it seems Current withholds money from their customers a lot with the same response Under Review. Ive told Current I would upload any documentation requested and have only been told to wait for this team to reply. Sorry, but its a personal bank account. We dont have 2 weeks+ to wait for a response on if we possibly can access our funds or not. This is bad business practice. When I chatted with Current I was disregarded as a customer and the chat mysteriously disconnected after requesting a supervisor on shift. 


Account Number : XXXX
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (MA)

This is the bill that came in XX/XX/XXXX and it was from XX/XX/XXXX of a charge of {$580.00} I am on Medicare and mass health. The company put in the incorrect billing code in order to receive payment. They came back two years later with this that I contacted Medicare and they stated that I was not responsible to pay this bill. I contacted the company directly to tell them that Medicare stated that I was not responsible for the bill because they did not put in the correct billing code and was told from Medicare not to pay. Now they sent me over to a debt collector I have contacted the company several times and notified them that Medicare stated that I was not to be billed this amount. But they refuse to listen and theyre going against Medicares policy.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CT)

I noticed a derogatory notice on a credit monitoring service. The bureau listed is Hunter Warfield ostensibly representing XXXX XXXX Apartments seeking a debt payment of {$100.00}. I did live at XXXX XXXX at one time. However, I have not received written correspondence ( mail or email ) explaining the demand for payment from either XXXX XXXX or the debt collection agency Hunter Warfield. Moreover, I have not received a phone call either. I have all mail forwarded from my previous address and my phone number has not changed. I don't believe it is a fair practice to file against someone's credit without notifying and explaining the demand for payment. I had no opportunity to dispute the payment request.
Consumer complaint received 2023-01-27
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. (MO)

In accordance with the fair credit reporting act, these companies 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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Could not log in to my credit card account on XX/XX/XXXX. 
Called credt card company and they informed me that because of two many log in attempts, a permanent hold has been placed on my account. I told them it was probably me since I was trying to remember my password when logging in. They said there was fraudlent activity with too many log in attempts and would not provide any details. I asked them if they would be sending me a letter explaining the details and they said they were in the process of doing so. I never received any notifications in the mail. 

I called them back on XX/XX/XXXX and they told me the same thing. I asked them how am I suppose to make payments on my balance outstanding without being able to log into my account. I had previously set up Auto Pay but I am not sure if it will work now. They said you will need to use other third party payment methods. 
This account was openned/activated in XX/XX/XXXX. I have a balance on the account of approximately {$5500.00} but can not confirm since my account is not accessible. I can not make payments from my checking account because of what they told me. 

The information presented to me seems unreasonable and I do not want to be late on my payments. My next payment due date is on XX/XX/XXXX and I had autopay set up but can not verify if it will work now. I also can not monitor my balance since they will not allow me to access my account. I elected to receive electronic statements and can not access them since my account is locked.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Charges I did not authorize for {$250.00} on XX/XX/20 and another one for {$250.00} on XX/XX/20. The company XXXX charged my account for more than they were supposed to per our contract agreement. They took it upon themselves to charge my account {$250.00} on two occasions as stated when they should have been only taking payments of {$44.00}. 

I disputed these charges with my bank ; Bank of America and they did nothing to help me. They reversed the charges and made my bank account go overdrawn for starters, and asked me for some documentation showing my credit card and the information from XXXX. No document exists as I bought this through a third party that just entered my card information was stored for recurring payments. 

I call over 5 times and they were more worried about the company than me telling them they overcharged.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MI)

RE : Radius Global Solutions account # XXXX XXXX RADIUS Global Solutions bought a JUNK DEBT for an account I had filed not ONE, but TWO proper ID Theft reports way back in XXXX and XX/XX/XXXX FTC report # XXXX ( see attached FTC ID Theft Report ). 
About a year ago Radius began sending me collection notices for the XXXX accounts listed on my ID Theft Report. XXXX of XXXX I sent Radius Global Solutions a CEASE & DESIST request. Global Solutions has ignored that request. I do not owe any debt from  XXXX and Radius Global is harassing me. I am again requesting for Radius Global Solutions to Please Cease & Desist all communications, unless the communication is to inform me they will no longer attempt to collect on the illegal debt and will not attempt to resale the debt to another Junk collection agency.  Radius G.S. does have a legal obligation to Also for them to conduct a proper investigation and provide me a report of that investigation including the steps they took to investigate.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has been reporting for months that Im delinquent on a charge off account when the balance has been paid off. By law & the FCRA it is illegal to report inaccurate information to the bureaus & they say they dont have record of the conversation of the representative stating that the tradeline would be deleted but the conversation actually did take place the day I paid them {$670.00} as a condition to improve my XXXXredit score. Not only is it still showing derogatory on my 2 credit reports but the last active date is showing 3 different ones. This tradeline is violating so much of the FCRA & FDCPA that it needs to be removed Capital One stated that it its own letter that the debt was charged off on their insurance & they accepted the payment from me again. This debt has not only been paid by me but also their insurance
Consumer complaint received 2021-03-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

On XX/XX/XXXX, I called ChexSystems to dispute inaccurate and negative information in the file ChexSystems maintains under my Social Security Number that has financial institutions suspecting fraud when deciding to open an account with my social security number. My application was rejected due to ChexSystems reporting my Social Security Number was issued in XXXX in Tx. In which is not true or correct information. I was born in the latter part of the XXXXXX/XX/XXXX. Therefore, the information ChexSystems is reporting regarding my social security number being issued in XXXX is totally inaccurate and misleading and not true. And it is damaging my character, affecting my ability to open new accounts. According to FCRA, Section 623 ( a ) ( 3 ) this is for creditors/banks. ChexSystems is not abiding by any of the laws set forth by the Fair Credit Reporting Act. The statement ChexSystems has on the report for my social security number is a lie! And is defamation of my character. The public should be made aware of the unethical business practices by ChexSystems.
Consumer complaint received 2018-03-28
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. (NJ)

I paid the Online Collections, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check XXXX funds ( principal, interest, Escrow ) applied, and why ... when we specified the correct accounts?
Consumer complaint received 2020-07-22
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. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-07-22
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. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-01-07
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXXXXXX )
Consumer complaint received 2021-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have now disputed this with XXXX and Transunion and neither of them resolved this issue. 
XXXX has reported that 9 of my student loans were 90 and 120 days late on payments and my credit reports both reflect that. 
The reports show that on all 9 loans, I was 90 days late on payments in XX/XX/2016 and 120 days late on payments in XX/XX/2016. I have never made a late payment on these loans. 
In addition, each loan shows that I was current on my payments in XXXX of XXXX just one month before I allegedly became 90 days late on payments. None of the reports show a 30 or 60 day late payment, so how was I suddenly 90 days late on all of these loans? 
XXXX did not have an answer to this question either, yet my reports are still showing this. 
I have attached screenshots from my XXXX  credit report of the 9 loans and how it shows I was late in XXXX and XXXX of 2016.
Consumer complaint received 2022-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

I have applied and been approved through XXXX XXXX for XXXX under XXXX. The agency approved my relief on XX/XX/22 and sent an " I '' file to Mr. Cooper at that time. Mr. Cooper has not processed claiming that it may take 2-3 months to process! During such time they are accruing interest at a rate of {$1000.00} monthly that will be charged to the XXXX XXXX. In my opinion this is stealing from the federal government. 
I have been on the phone with many, many reps from XXXX XXXXMr. Cooper over the past months. I get nothing but the runaround, unable to speak to the XXXX XXXX or any individual in a supervisory position. 
I understand that this company has over 2,500 complaints against them and quit obviously should be fined heavily or lose their license to do business. 
My wife and I are retired. This has created a tremendous amount of stress on us both. XXXX was very difficult for us losing our jobs for 2+ years. Most recently I had XXXX and was nearly hospitalized. 
Please help!
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc. (AL)

The account was opened on XX/XX/2018 in the amount of {$2300.00}. I am a victim of identity theft and have been battling it for years. I finally had most of the fraudulent accounts closed and taken off my credit report, but then I wake up and see this. I worked very hard to get my XXXX score to a XXXX ; but yet again, another fraudulent bill shows up and drops my score by 52 points! this is NOT me. I don't know who is doing this, but it needs to be taken off because its fraud.
Consumer complaint received 2020-11-16
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. (NY)

XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.