davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Im writing to get the assistance from CFPB. My financial hardship began XXXX of XXXX. When my wife lost her job and we became XXXX household income.. In addition to make matters worst I had to force retire in XXXX due to health issues related me and my wife getting covid and due to bad respiratory existing problems we felt we git into a really bad health and our income was reduced once again due to XXXX. During this time since we saw past due, we reached out to our mortgage company and applied for assistance numerous times.We have applied for mortgage help since XXXX and each time the mortgage server our mortgage company has denied us due to a negative present value .NPV. I have been denied for the negative present value XXXX times, each time that Ive been in review for mortgage assistance the mortgage company has had forclosure running at the same time while getting help, They have never added a single point of contact over the last XXXX to XXXX years. This mortgage company has never offered me a loan modification assistance, they have mishandled my payments and XXXX XXXX requested for their servicing XXXX servicing guidelines and provide me with my investor information and mortgage service agreement and I have been refused.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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 2023-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I assert that your agency 's actions in attempting to collect this debt have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The following violations have been observed : 1. Agreement bearing my signature, Verification and validation of the alleged debt, including the original creditor 's name and contact information, the account number, and a detailed breakdown of the alleged charges. 

2. A complete account history, including the date of the alleged delinquency, any payments made, and any additional charges or interest accrued since the alleged default.

3. Copies of any communication or documentation sent to credit reporting agencies regarding this debt. 

Your agency is required by law to provide this information and fully comply with the FDCPA regulations. You have Failed to do so and will be considered a violation of my rights, and I will take appropriate measures to address these violations. 

Lack of Verification : Despite my multiple requests for verification of the alleged debt, your agency has failed to provide substantive evidence validating the debt 's authenticity. 

False or Misleading Representations : Your agency has made misleading statements and threats regarding legal actions and negative credit reporting.
Consumer complaint received 2023-07-19
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: Consumer Portfolio Services, Inc. (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

2 Balance transfer amounts on Citibank card : 1 at 0 % until XX/XX/XXXX Balance Transfer 5 now at 20.99 % and 1 at 1.99 % until XX/XX/XXXX Balance Transfer 4. 
XX/XX/XXXX called to payoff Balance Transfer XXXX before rate expired and interest was charged. Told to call back XX/XX/XXXX to make the payment. 
XX/XX/XXXX called to make pmt to payoff Bal Transfer 5 to avoid interest charges. Told to wait and call back XX/XX/XXXX so the interest would change and be higher than Balance Transfer 4 and start being billed. 
XX/XX/XXXX called back, explained my 2 previous calls and why I was calling, verified and confirmed amount needed to pay off Balance Transfer 5 and that it was now at 20.99 % interest, and payment specifically to pay off Balance Transfer 5 was processed over the phone. 
XX/XX/XXXX new statement is received. Payment to Balance Transfer 5 was incorrectly applied to Balance Transfer 4 and interest was charged for Balance Transfer 5. 
XX/XX/XXXX after speaking with a rep was transferred to supervisor, XXXX, he told me he understood what had happened and that he would take steps to correct the misapplied payment and refund the interest charged. 
XX/XX/XXXX received letter from Citibank stating payments are applied to higher interest rates before lower rates and the payment was applied to Balance Transfer 4 instead ( at the time of the XX/XX/XXXX payment, Balance Transfer 5 was the higher rate ) and they would not honor my request to have the payment applied correctly. 
XX/XX/XXXX - thinking the XX/XX/XXXX letter was in response to one of my first calls, I called and spoke with XXXX who confirmed XXXX had made the changes and Balance Transfer 5 was at a {$0.00} balance. 
XX/XX/XXXX new statement is received. Interest refund on Balance 5 by XXXX was processed but payment paying off Balance Transfer 5 was still showing as applied to Balance Transfer 4 and new interest was charged once again for Balance Transfer 5. Called and spoke with XXXX who told me that the " back office '' would not allow the payment to be applied to Balance Transfer 5. I told him I would be filing a complaint.
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MN)

Hello, I am sending this letter in regards to my accounts that I had with US Bank from XX/XX/XXXX to XX/XX/XXXX. I believe there is an error that I need to dispute in regards to the reporting of late payments on both my first and second mortgages. 

In XXXX XXXX XXXXXXXX, I went through a divorce that resulted in my ex-spouse being granted the property. He was to take over the payments starting XX/XX/XXXX, per the order of our divorce decree. He was to have refinanced or sold the home before XXXX XXXX  XXXX, which he failed to do so. Fast forward to the year of XXXX, he remained living in the home and paying the mortgage while still in my name. He lost his job at some point and the mortgage payments had to be deferred. There was a deferment schedule set up with the first mortgage so there should not have been any late payments reported to my credit on that account. In regards to the second mortgage, that one was set up on a deferment plan as well, however, I had contacted US bank a while back requesting the payoff amount to have that completely paid off and I was given a balance required to pay it off, but it was not disclosed to me that there was still a balance remaining because of the " deferment ''. When checking the accounts online, it showed that the second mortgage had a XXXX balance on it when that was not correct. I had to call US Bank again to see why I kept getting notices regarding the 2nd mortgage not being paid and in the meantime, it was reporting late payments to the credit bureaus when I was under the impression that the account was completely paid off. My understanding is that I was incurring late fees also because of this. 

I need these errors corrected and reflected on my credit report, as it is affecting me acquiring a new mortgage today. It was not my fault or wrong-doing that the 2nd mortgage was reporting late payments when it was not disclosed to me that after I requested to get a " pay-off '' amount that there was still a balance remaining. There should be a record of me having contacted US Bank for the pay-off request and then again asking why there was still a balance after I requested the complete balance to pay it off. That is unfair treatment towards me, and also after my ex-husband was to be making these payments per the court ordered decree. If I had requested the full payoff amount to have that account done and over with, I should have been given the full amount including whatever was deferred and not charged a late fee or had them report late payments to the credit bureaus. I feel that is fraudulent activity. Once I paid off what they told me it would take to have it completely paid off, I was getting notices that it was late. But when checking my account online, the balance said XXXX. That is very deceptive and negligent on their part.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to request the deletion and removal of the following accounts and associated information from my consumer report. It is essential that the mentioned accounts and details not be reported on my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that these accounts and information be promptly deleted and removed from my consumer report to rectify this violation of the law. Please take immediate action to remove these items. Thank you.
Consumer complaint received 2023-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc. (NE)

I obtained a personal loan from Avant, and am now going through a divorce and have lost a significant amount of household income, and am now a single parent. I am unable to pay the extremely high interest rate and payments. I requested that the loan be forgiven or settle for a significantly lower balance. The customer service agent only provided me an option for smaller payments that would further delay the payoff of the loan and continue to collect and unfair amount of interest. When asked to speak to a supervisor or someone else who can assist with a different plan, I was placed on hold for several minutes and then notified that a supervisor would be calling me back. I never received that call. I am unable to gain financial freedom with this personal loan and high, unfair interest rate.
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

this is my complaint case number XXXX file on XX/XX/XXXX and jefferson capital system llc failed to provide what was requested. that wrote the cfpb back stated they send me a copy it was a lie and i can prove it i need a bona fide copy of our contract between me and jefferson capital statedthat i authorix=zed them to have my information and collect and debt
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I do not have a signed contract with Kane and Weiner. I do not know who they are but Ive asked them several times to send me some sort of documentation with the sign my signature on it they have not done so over the years its been the this is been on my report credit report for six years five months for {$150.00} and {$140.00} for four years six months now Ive never heard of this company before but Ive tried to dispute it Ive tried to write them letters. Ive tried to talk to them on the phone, and they tried to twist my words and trick me and I shouldve never called them in the first place because I dont understand the problem here, but they will not take it off my report and thats whats bothering me. Its the only thing on my credit report thats derogatory and it bothers me to know and and Ive tried many different times and Im sick of it. They have no right to do this to me. Its caused me much distress. I know that they have reported it XX/XX/XXXX and XXXX or cell right around that time of this year again so its it keeps being regularly reported after all this time all this time Ive tried to get rid of it it did not work, so anything you can do. Ive tried everything on my part and nothing has worked it on my credit report causing me issues.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hi, I have sent all the required documentation to Experian to reflect my current address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) but my report is still reflecting this incorrect address ( XXXX XXXX XXXX XXXX, CA XXXX ). This is not my address and I have sent in proof to reflect my actual address. PLEASE FIX THIS. I'm having inaccurate information reporting on my credit report which is causing me stress and angst. Thank you.
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX. 
XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$11000.00} Original balance $ 0 Monthly payment {$100.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to Privacy and Confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 1681 C ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

my social security number was compromised. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report on XX/XX/2023. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize from XXXX XXXX, XXXX, and XXXX XXXX. Also, addresses and phone numbers are incorrect on my credit report