davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 2023-04-21
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. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-21
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)

The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

Capital One is counting XXXX as active debt and 120 % towards my credit utilization. It was legally agreed upon a price to mark this as paid. Remove the account and stop counting towards my credit utilization.
Consumer complaint received 2023-04-19
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. (SC)

The following accounts need to be updated to Current / Terms met : - XXXX # XXXX ( 30 days past due as of XX/XX/2022 ) - XXXX XXXX XXXX  # XXXX ( 30 days past due as of XX/XX/2022 ) - XXXX XXXX XXXX XXXX # XXXX ( 30 days past due as of XX/XX/2022 ) In accordance with the Fair Credit Reporting Act these accounts have violated my rights : 15 U.S.C 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 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 I am demanding that these accounts be updated. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-04-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Credit Management Corporation (TX)

A relative forged my name on a mortgage document in XXXX when I was undergoing treatment for XXXX in XXXX. they purchased a home in XXXX and paid on it for 1 year XXXX then stopped. They then forged a quit claim deed and signed the property over to themselves which I complained about but nothing was done by the state of Michigan or the XXXX XXXX XXXX. Now it is XXXX and I receive threatening and harassing letters from this company threatening to sue me for a debt that for XXXX isn't mine and secondly, they are owed XXXX on a property valued at over {$200000.00} and their recourse is to foreclose on an illegally obtained property which I offered to attest to. However they continue to harass me after 16 years has passed and make threats. The statute of limitations in texas is 4 years and since 17 years have passed, they have NO legal recourse, and no right to threaten me. I am a 100 % XXXX veteran ( XXXX ) suffering from XXXX and this company is causing undue stress when I dont own and never owned the Property at XXXX XXXX XXXX XXXX XXXX XXXX a relative does, a relative that committed several crimes to fraudulently obtain the property. Being that I do not and never held the property, and all documents are fraudulent, Franklin Credit Management has no right to harass me after 17 years has passed.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/XXXXXXXX  I bid on an online auction with the company XXXX. I won the bid, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received an invoice # XXXXXXXX in the amount of {$55000.00} to be wire transferred to : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX The transfer was made thru : Chase Bank XXXX XXXX XXXX. 
XXXX, FL XXXX Account # XXXX Routing # XXXXXXXX XXXX XXXXXXXX XXXX XXXX which is listed as active with FL Dept of State Business Reg # XXXX. I have been unable to contact XXXX ( XXXX ) nor XXXX XXXXXXXX XXXX XXXX, which I have no POC for them. 
Any assistance you can give me in contacting XXXX XXXX XXXX XXXX would be appreciated I have more documents if needed. 

This is the letter I got from Chase Bank in XXXX FL.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (GA)

Received notification that there was a collection due in my name that I never opened right when I applied for a mortgage. Spoke with representative to let her know that this is time sensitive and asked for a fax or email and she stated that the company has a no electronic communication policy. This is real in 2023 to not even have a fax nor email to address fraud or time sensitive issues.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

Ive filed a dispute with Experian, but the company XXXX XXXX mailed me that I owed {$9100.00} which on the phone I was told by a sales representative that I owed {$8400.00}. Im contacting the Consumer Finance being that its incorrect information on my credit report. Along, with me never even having knowledge that there was a car under my name until it was completely totaled being that someone used my information to obtain this car. Id hopefully like to get this issue resolved without having to seek out an attorney, but Im filing a complaint for this reason.
Consumer complaint received 2023-04-19
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. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have for months reached out to Shellpoint Mortgage to request that the additional principal payments that I'm making on my loan be applied to the principal reduction. I have however been ignored multiple times. The principal payments I am making are very small additional principal payments, but they are still additional principal payments and the correct legal accounting principles should still be applied. Shellpoint mortgage can not decide if they just get to hide my additional payments and not apply them to principal. They seem to be doctoring their accounting to not allow my additional payments to be applied to principal. The letter I received from them months ago ( after numerous requests ), outline that any additional principal payments would be applied to the principal, but they are not doing that. They're just holding the additional funds which is not allowed, they classify it as 'Unapplied Payment '. Why, so my principal does not get reduced and they can generate higher fees, that is illegal and unethical, they need to apply standard accounting principals and not withhold my additional payment from my principal reduction. Attached are the images taken directly from my account showing the additional principal payments I'm making, they are very small but they dont apply them to my principal, despite that being the requirement and their letter stating it would be done. In addition after multiple requests they finally apply the principal payments but they do it months later than the payments were made, and then reverse the charge so it does not even apply. Additional principal payments need to be applied to the month they were made in. Shellpoint mortgage does not get to decide to apply the additional payments months later and thus keep my principal higher for all those months just so that it benefits them and they can generate higher fees that is playing with the numbers and taking advantage of clients. They are taking advantage of clients, playing with the accounting numbers to seemingly generate additional fees.
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IN)

I have multiple student loans, one specifically through NelNet. On Monday XX/XX/XXXX, I was receiving information from them to my email that my payment was due that I was unaware of so I called nelnets customer service specifically to get my account up to date and figure out what was going on. As expected, they asked me my answers to my challenge questions that secure my account which is standard so I didnt think much of it. Since my account was locked out for 30 minutes, they said they would call me back. When they did, they started charging my account for large fees claiming that I needed to stop making my student loan payments because they were going to consolidate them. They also said in doing it this way my loans would be forgiven in 240 months. They charged my account XXXX, and my fathers account XXXX ( CO-signer ). This is obviously a student loan scam, as nelnet called us directly on XX/XX/XXXX, telling us that our payment was still overdue and that the department of education would never charge an upfront fee because this is something you are able to apply for free of charge. This is how we came to find out that this was indeed a scam and the previous company was NOT nelnet we were working with directly.
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/Nelnet XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Please correct these accounts immediately.
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

i was checking my credit report and noticed many things on it that i haven't done, so i freeze my credit, filed a police report also a FTC report, and started to dispute the incorrect items, i was successful with everything until it came to Equifax, they are saying the item has come back as verified which cant be correct because if it was verified that mean i have done it and thats just not true im asking the company to show me what was used to verify that i in fact is the correct owner of the account they sent no nothing, i need proof if the person driver license, social security card, phone number, signature, mailing address, i need everything because if this account belong to be the creditor and Equifax can send this over because its already me right? this company has no respect and is not reading the dispute letter its just saying verified and pushing the problem away i know this because i am not the owner of the account that was open, my information was also leaked in the Equifax data breach, and dark web breach so im assuming thats not true either. i dont know whats going on with Equifax but my next steps is to take them to court and im going to file the paperwork tomorrow XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$220.00} XXXX XXXX : XX/XX/XXXX -- XXXX XXXX -- -> {$28000.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$370.00}
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Enhanced Recovery Corp. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2023-04-20
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. (AL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ZWICKER & ASSOCIATES (MA)

Unfortunately, due to a hardship I fell behind on my discover card payments and was no longer able to afford the monthly amount. They have now sent this to a 3rd party collection agency ( Zwicker and Associates ) who brought me to court over the debt. I have tried numerous times to enter into a voluntary monthly payment but they will only accept a lump sum pay off. 

On XX/XX/XXXX I spoke to XXXX a rep at XXXX about my situation. Advised I could hardly afford an extra $ XXXX let alone XXXX. I once again explain the details of my hardship at which point she offers me a payment of {$34.00}. I agree. Days later I get a letter in the mail that the payment is for {$3400.00}. I call immediately on XX/XX/XXXX and XX/XX/XXXX and leave messages on my reps direct line. No one ever called back. Of course the payments dont go through cause I dont have it and now Im charged all these returned payment fees. Still no call. I finally reach out again and they told me the agreement was for that amount and was noted as such in their system. I advised thats not at all how the conversation went and asked them to send me the recording. They advised Id have to send that request via writing, so I did. They advised theyd listen to the recording. I have yet to hear back or receive the recording and prior to terminating the call I asked again if there was any reasonable voluntary arrangement. XXXX the manager said no, other than the balance in full theres not.
Consumer complaint received 2018-06-21
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. (IL)

On/or about XX/XX/XXXX I sent a certified dispute, to Equifax concerning the furnisher ( Court ) of information as to a Public Record relating to Bankruptcy-Chapter XXXX in their files maintained under my social security number. ( See Dispute letter attached dated XX/XX/XXXX ) Equifax responded to dispute with letter dated XX/XX/XXXX, stating The information you disputed has been verified. However, the information I disputed was name of court that furnished information, as per their entry in credit report file maintained under my social security number. ( see  attached results of Equifax reinvestigation and excerpt from XXXX XXXX Equifax credit report dated XX/XX/XXXX ) Prior to receiving Equifax result, claimant requested information from Court ( U.S. Bankruptcy Court XXXX XXXX of Illinois ). They unequivocally via letter dated XX/XX/XXXX state The bankruptcy court does not perform any activity with the credit bureaus. ( see letter attached Page-2 ) Last, but not least they have reported in their letter result of reinvestigation dated XX/XX/XXXX that they obtained the information concerning court bankruptcy from XXXX XXXX XXXX, another consumer reporting agency. ( see attached Equifax Report dated XX/XX/XXXX, page-3 ) Further, I place a security freeze on accounts with XXXX XX/XX/2018, They are not listed as the Furnisher of this court bankruptcy, under my social security number with Equifax, in the credit reports I receive from them. That is to say Equifax has erroneously listed U.S. Bankruptcy Court for The XXXX XXXX of Illinois as the Furnisher of this information. ( see attached security freeze letter from XXXX dated XX/XX/XXXX ) Wherefore, I am requesting deletion of these listings because the court did not report this information to them as mentioned above and any other listings under my social security number in credit report of which this entry is referred to as per the applicable Fair Credit Reporting Act, due process and equal protection of the law.