davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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. (NJ)

I XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.
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 — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Car was totaled loss XXXX XXXX sent pay off to Credit Acceotance XXXX week of XXXX. Credit Acceptance didn't process until XX/XX/XXXX and closed account on XX/XX/XXXX marking on my credit report that I was 60 days late when I had never missed a payment.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

My Ally Home mortgage was paid off at escrow by the buyer 's mortgage company and should not have reported 30 days late. This derogatory mark that is reporting in error is the only negative mark on my credit reports and is dropping my scores by at least 30 points.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

I was buying an electric bike from XXXX XXXX  and they said to send money through zelle on the XXXX  mobile app and I did and it said that it was delivered and completed but the person said they didnt get the money. This transaction was {$1100.00} and I think it was a scam, this happened on XX/XX/2022. I tried to get my money back from zelle and XXXX  but they would not refund me because they said I authorized it.
Consumer complaint received 2020-09-10
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. (MI)

In XXXX, I was approved by XXXX XXXX  for a credit card with a credit limit of XXXX dollars.On XXXX XXXX, the Coronavirus pandemic hits Michigan where I live.On XXXX XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX   customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with CFPB-XXXX citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXX.On XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XXXX was the last activity i had on this XXXX card account until XXXX XXXX closed account.XXXX  responded to the CFPB complaint, XXXX  stated in their response that they made there decision based on what was in my XXXX report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX  lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.
Consumer complaint received 2016-03-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I paid a debt in full XX/XX/XXXX that was owed to the XXXX. I know the debt was resolved because prior to paying it, my tax return was garnished multiple times. after paying the debt i filed XXXX more returns and it was not garnished. Further more i contacted the IRS to confirm. XXXX/XXXX/16 i received a letter from " Transworld systems inc. '' attempting to collect on the same debt already paid. I have also received auto dialer calls to my cell phone. Upon researching the company i was able to find they have been fined recently and have universally negative reviews among debtors and companies that have tried to use their " services ''.
Consumer complaint received 2021-02-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXXXXXX/XXXX XXXX XXXX The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Contacted the Credit Bureaus on XX/XX/XXXX - XX/XX/XXXX - Its been over 120 days no response from Credit Bureaus. No update on credit report, regarding false accounts. There's no obvious sign of re-investigation on unknown accounts.
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Contacted the Credit Bureaus on XX/XX/XXXX - XX/XX/XXXX - Its been over 120 days no response from Credit Bureaus. No update on credit report, regarding false accounts. There's no obvious sign of re-investigation on unknown accounts.
Consumer complaint received 2015-03-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Originally owed XXXX XXXX Credit Card. At some point they referred to collection or sold to Midland Credit Management who sent me an offer. Their letter said : " If we receive {$240.00} by XXXX, we will consider your account balance paid ''! I sent check # XXXX for {$240.00} on XXXX/XXXX/XX/XX/<YYYY> On XXXX XXXX, XX/XX/2015, they sent me a " Statement '' saying thank you for your {$240.00} payment ( credited on XXXX/XXXX/XX/XX/2015, XXXX days before the day they had to receive it by ) but reflecting a balance of {$160.00} even though I met all the terms of their offer. Please ensure they correct their records to reflect this account as paid and report the same to all XXXX credit reporting agencies. Their ( XXXX ) Account # is XXXX.
Consumer complaint received 2015-10-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (NJ)

I have contacted TD Card Services on three different occasions and informed them that I do not have a debt with them. They take down my number and say they will remove. However, I still receive at least three calls per day after informing them I do not have an account.
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (TX)

I started the process in purchasing a home in XX/XX/XXXX. The original close date was XX/XX/XXXX. The closed date has been pushed back from the XXXX of XXXX to the XXXX of XXXX from the XXXX to the XXXX of XXXX to the XXXX of XXXX and now close date has been pushed from the XXXX to the XXXX of XXXX. The initial closed date was moved due to the appraisal not being done. The appraisal was not completed until XXXX of XXXX. Each time I have to reach out to my loan officer I am given a different excuse or cause for delay. I have spoken to other mortgage companies they all have stated the same that the process should have not been this delayed. The only way I any status about the process I must initiate the request ; even when they need documentation form me. On XX/XX/XXXX My credit was pulled and rather then the company reach out with their questions I was notified on XXXX, XXXX XXXX about the issues they wanted to address. XXXX  XX/XX/XXXX, I had to send an email out to inquire about the status and was advised by a different loan officer that the documents were being prepared and should have been completed at the EOB XXXX. As on XXXX  XX/XX/XXXX I have not received a response and on the final process to close on the property. They are delaying the closure on the property and all I am getting are more and more excuses.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

On XXXX XXXX, 2015 I paid my Mortgage in full. I followed all of the banks processes and procedures to satisfy this loan. Since that time, I have been waiting for the final documentation from this bank showing that the loan has been paid in full and the lien has been removed from my deed. I have made a number of calls to their customer service department and have been told, both by phone and by letter, I would be receiving the documentation soon. My most recent call was made on XXXX XXXX, 2015 where I was advised that the issue is being escalated and I would be contacted within a week to advise me of the status. I have not. I want all the final documentation showing the Morgage has been satisfied and a copy of my deed showing the lien has been satisfied.
Consumer complaint received 2022-07-19
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (AZ)

Freedom continues to provide an inaccurate payment history which is needed for my current refinance. I have spoken with Freedom on numerous occasions to resolve and they continue to provide an inaccurate payment history. 

Freedom responded to my previous complaint citing the following : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Your Complaint to the CFPB Complaint XXXX Dear XXXX XXXX, We have reviewed your complaint and researched the issue regarding the information being delivered to the credit reporting agencies ( CRAs ) for your XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX payments, as well as your XX/XX/XXXX payment. After review, there is no issue with the way these months are being reported. XX/XX/XXXX was paid late on XX/XX/XXXX. XX/XX/XXXX was paid late on XX/XX/XXXX. XX/XX/XXXX was paid late on XX/XX/XXXX. All three payments were paid late so they are being reported accurately. After your XX/XX/XXXX payment of {$1600.00}, there was enough money in your unapplied funds account to make a second payment, satisfying your XX/XX/XXXX payment and bringing your loan current, so XX/XX/XXXX was reported current. XX/XX/XXXX was paid on XX/XX/XXXX and XX/XX/XXXX was paid XX/XX/XXXX so these three months were reported accurately as current. If you have proof from your bank that you made more than one payment in any of the months above to bring your account sooner, please submit it so that the issue can be reviewed further. If you have questions, please feel free to contact us at ( XXXX ) XXXX Monday through Friday XXXX to XXXX and Saturday XXXX to XXXX XXXX XXXX. Very truly yours, XXXX XXXX XXXX XXXX Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, NJ 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (IL)

Today I received notice from Commonwealth Financial Systems in regards to an alleged debt owed of {$120.00} from the previous collection agency ( XXXX ). I already requested validation from XXXX just weeks ago. XXXX stated that the account would be closed last week and removed from the credit reporting agency. Now Commonwealth is attempting to collect on an account that I previously requested validation on.
Consumer complaint received 2021-03-27
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: CITIBANK, N.A. (IL)

No mater how many numbers I have to XXXX to talk to citi about my credit card, noone answers the phone. It automated systems that get me nowhere. I should be able to talk to a human being about my problem. I have a dispute on my card that Ive called about in the past and I was suppose to receive a form in the mail I never got. They keep emailing me a link that doesnt open.
Consumer complaint received 2020-09-10
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: EQUIFAX, INC. (GA)

I filed complaint against Equifax about inquiries I dont recognize, Equifax one minute tells me that their taking off but not, its not actual fact these inquiries I do not recognize, I want these inquiries taking off Im tired of filing a complaint about this Equifax does not do their job. I have filed several complaints, I got one report saying that this inquiries were taking off these inquiries I do not recognize at all. Now please take these inquiries off, please do not send me something thats not corrected, thats contradicting when you send a credit report saying these were taking off I have a report showing they were not taking off, now take these inquiries off my report I did not make any inquiries on my credit report and my name is XXXX XXXX XXXX not XXXX so please do your job, under the fair credit reporting act any thing I dont recognize needs to be taking off my credit report, Im tired of filing these complaints, i will keep filing until these inquiries are taking off my credit report and stop making excuses, I have contacted these companies no one is in the offices people are working remote. So do your job and dispute these and take them off period .and do not add anything to my report only by my express permission, Equifax has failed to do their job, and I want to dispute these inquiries as fraud but do not put, I mean I repeat do not put no fraud alert on my report with asking me or by my permission if you add one without my permission thats fraud in it self now do your job and dispute these and take them off my credit report
Consumer complaint received 2022-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

I received a letter in the mail from a company I have never heard of did business with in any way, A debt validation letter was sent out on XXXX XXXX via certified mail with return receipt. Seeking validation for the alleged debt in accordance with FDCP guidelines
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (TX)

XXXX placed a charge on my credit in XX/XX/2018. I called and made arrangements to settle the account and get the charge off my credit report. I explained I was trying to get a mortgage and they said that they would. They sent me a letter stating that the balance was XXXX but the charge is still on my credit report and is reporting negatively.
Consumer complaint received 2021-03-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (MA)

XXXX XXXX XXXX, XXXX XXXX CFO of  Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
XXXX XXXX of XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX hall all conspire to infringe upon our unalienable rights and freedom of liberty 's. These individuals willingly and knowingly engage in criminal activity which has cause direct damage to all parties involved. These individuals took it upon themselves to violate state and federal laws which has cause extraordinary damages financial emotional and physical upon us. XX/XX/18 this fraudulent contract was created by XXXX. Credit was extended in a private agreement and XXXX choose to neglect title 15 section 1692 and made a private transaction into a public transaction which is unlawful. The attachment that will be attached in good faith is PRIMA FACIE EVIDENCE OF THIS ON GOING UNFAIR AND MISLEADING INFORMATION WHICH IS BEYOND REASONABLE DOUBT OF DECEPTIVE BUSINESS PRACTICES. 

AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
Consumer complaint received 2021-05-20
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 — Was not notified of investigation status or results
Company: Ability Recovery Services, LLC (TX)

I have been disputing this company and their inaccurate reporting for over 90 days however they have not responded to any of my dispute letters. In addition to the credit bureaus who allow this unverified reporting to continue.
Consumer complaint received 2015-07-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (CO)

I received debt collection notices for medical bills that were not properly due. The insurance company was still reviewing the claims when I received the notice and the insurance company did pay the claims, resulting in a credit on my account with the hospital. Several weeks after the credit was applied to my account, I am still getting notices from the collection company, although the hospital agrees that there is no debt due and instead there is a credit on my account. I called the collection company and they were not very helpful and do not seem to be able to work with the hospital to clear the account.
Consumer complaint received 2021-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (GA)

Account : THIRD FEDERAL S & L ASS # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the Third Federal placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the Third Federal, XXXX XXXX XXXX XXXX and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of Third Federal, XXXX XXXX XXXX as XXXX has " DELETED/BLOCKED '' the account as required BY LAW ( FCRA 605B Attached ).

Third Federal will be held labile for damages for Breach of Duty, Breach of Duty cause for injure and loss! 

XXXX and XXXX  will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX  for XXXX XXXX dollars for this " negligence ''! 


I have attached CURRENT LAW SUIT for the party involved, Identity Theft Report from FTC, Current Credit Reports that show I have EXECELLENT CERDIT HISTORY on all 3 agencies.