davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/2017 - XX/XX/2017 I contacted and disputed with Equifax credit bureau sending them certified and notarized letters. Asking them to verify how this accounts belongs to me, and why are they reporting this inaccurate accounts on my credit report. They have yet to send me any information verifying the account.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

We filed for chapter XXXX bankruptcy inXX/XX/XXXX.  Since that time the mortgage servicer stopped sending me monthly statements showing the dates my payments were received and how the amounts from each payment were distributed. I attempted many times via phone call, email and letter to resolve this. They stated that since we were in bankruptcy they were not allowed to send us any billing information, even if we requested it. They would also not contact me for any reason. If i called and asked for a return call they would not respond, when I asked for them to send me a document showing how my payments were posted they would not respond. My attorney and I both sent letters giving them authorization to call, mail or email me so they would be exempt from the bankruptcy rules and they refused. The court agreed to exempt my first mortgage from the bankruptcy so we had to reaffirm the loan at the beginning of the bankruptcy and we made the payments to the servicer ourselves, not through the trustee. With this information their representative told me that no one is able to exempt any creditor from a chapter XXXX bankruptcy and that it was my trustee that made the payments. It was not the trustee. Finally about one year ago they sent me documents showing how they had applied my mortgage payments over the preceeding couple years. It was a spreadsheet that any average consumer would not be able to interpret let alone an accountant. Since we filed for bankruptcy in XXXX they had referred our account to their " bankruptcy department ''. Whenever we would call we would have to wait to be transferred to their bankruptcy department which is not their regular customer service group. In every attempt to reach our account representative we would have to leave a message and would not receive a call back. They also restricted what we were allowed to do on their website such as not being allowed to make payments online or download statements that showed how they had applied my monthly payments. 
The last time i talked with the account representative he stated that in order for them to remove us from post bankruptcy status and restore everything to normal which includes sending complete monthly statements we would have to provide another reaffirmation. They have been informed that the court does not require other than the first letter at the beginning of the bankruptcy as my lawyer has indicated and yet they still tell me I and my lawyer are wrong.
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (IL)

Actually, this has been going on for years. Probably 5 years. 

They called consistently and I finally blocked their calls so I have no idea if they are still trying. They claim I owe over $ 27k but I have no idea why. I checked my credit report and this debt is not listed anywhere on it. Never was as far as I can tell. I finally wrote them a letter explaining that there is no connection to my credit and their debt. The amount is off the wall. So they wrote back and said they couldn't do anything about it or something without more information from me. So I ignored that as well because it seemed like they were trying to get me to pay on something I don't owe. Quite frankly I have been ignoring their letters since then because there is no connection. 

So the other day I get a letter from them saying I could write you if I had a complaint. So that is why I am writing you. I would like these people to get me off their radar because they are very irritating and just wrong. 

I don't have a scanner to upload a copy of their latest letter regarding how to report my complaint. I can give you an account number if you need it.
Consumer complaint received 2018-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

This student loan was submitted and approved on line by an identity thief. I have submitted over 100 copies of the police report and federal identity theft report over the last 8 years. The company refused to provide the on line application IP address and supporting documents to both the local and state police. The company refused to submit the same information to the federal ombudsman during her investigation. The company refused to provide where the money originated and where it ended up. 
The company has filed to withhold my federal tax returns and any other federal monies owed to me ( over {$20000.00} so far this year ). When I contacted the company 's lawyer, he told me " so what, you owe it because your name is on the online application ''. 

Since the company refuses to work with the state and local police to find the thief, I can not prosecute. 

The company has now placed over {$120000.00} in interest and penalties on this illegal transaction.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (NY)

Hallo : My name is XXXX XXXX the problem I am with this company Capital Account they reported that I had XXXX done in XX/XX/XXXX in XXXX, fla. And when I called them myself they said the original date was in XX/XX/XXXX it can't because I was having my own XXXX DONE IN XX/XX/XXXX TO XX/XX/XXXX I STILL HAVE THE XXXX that was XXXX AND XXXX  and paid BY HEALTH INSURANCE IN XXXX , N.Y. and I Did Not Travel anywhere because my oldest daughter XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX And she lived in XXXX , N. Y. And in XX/XX/XXXX I was going back and forth from XXXX to XXXX to family Court for my grandson all the way to XX/XX/XXXX. And after that I moved into my new apartment at XXXX XXXX XXXX XXXX XX/XX/XXXX and I got my Section 8 approved at the same time in XX/XX/XXXX. And I been taking care of lower back severe pain. I have the paper 's anything you will need. And I did have the father XXXX XXXX XXXX d.o.b. # XX/XX/XXXX who lives in XXXX, Florida he stole from my florida food stamp card he was using it and I was not awhere of this until I moved back to XXXX XXXX XXXX In XX/XX/XXXX and I went to apply in New York food stamp office they said I was collecting in florida so I had to give them his information and I had to show them I had nothing to do with it did and I finally won my case and was able to start receiving my new benefits. Capital Accounts # XXXX. I was able to get XXXX to help me with this item they were able to take out of my Credit Report and then I tried to get XXXX  credit report to help me and they were not able to help because Capital Accounts said it was mines and that was it!
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

BANK OF AMERICA COLLUDED WITH XXXX TO COMMIT ACCOUNTING FRAUD BY MANIPULATING MY ACCOUNT 'S FINANCIAL RECORDS. 

BOTH INSTITUTIONS REPORTED THESE FALSE CLAIMS TO ACCOUNT HOLDER. 

THESE FALSE ALLEGATIONS ULTIMATELY LEAD TO OVERDRAFT FEES THAT WERE EVENTUALLY RESCINDED BY THE BANK. NEVERTHELESS, THE BANK DID ENGAGE IN MANIPULATING ACCOUNT ACTIVITIES TO COVER UP BOTH XXXX 'S AND XXXX 'S INVOLVEMENT IN AN ATTEMPT TO PLACE ONUS ON COMPLAINANT!
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IN)

I have a collection account with XXXX XXXX XXXX, in the amount of {$630.00}. I called and spoke with a Customer Service Representative with the interest of making a payment for the full amount. I was told that I was unable to due to the account being handled by a law firm called XXXX XXXX XXXX and was given a number of XXXX. I have called the number given to me several times over the past week and am unable to reach anyone, I have also called the below number associated with this law firm with no success : XXXX - closest local office, number is disconnected XXXX - Toll-free number listed on website, also disconnected If XXXX XXXX XXXX is still reporting and updating their collection tradeline monthly on all three of my credit bureau reports ( XXXX, XXXX, XXXX  ) I feel it only appropriate that I am able to pay them directly for this debt as Im unable to reach the law firm handling my account, whom by the way, Ive received absolutely ZERO communications from. XXXX XXXX XXXX have also filed judgement against me without sending me any notifications. The case has been stricken by the court due to the law firm submitting incorrect and outdated documents.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-04
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2018-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (PA)

On XX/XX/XXXX I had a pipe burst in my house that caused a lot of water damage. My insurance company quickly handled the issue and by the XX/XX/XXXX I had the check for the damage in the amount of {$6700.00}. The check was made to myself and the mortgage company. I contacted my mortgage company on XX/XX/XXXX and asked them the process they said they would send out the appropriate forms and that I would need to send the check and the signed forms back to them. By XX/XX/XXXX I still had not received the forms so I called and they sent them again. On XX/XX/XXXX, I still had not received either set of mailings and called back. Someone faxed me the form to complete. On XX/XX/XXXX, I sent the signed form and loss draft in an express two day envelope with a prepaid one to send back. The check was delivered on XX/XX/XXXX, and I had it back to my house on XX/XX/XXXX. When I opened the envelope I found that the check had been stamped but not endorsed. I contacted them again on XX/XX/XXXX where after about 15 minutes of asking other people they confirmed that I needed to send the check back to them again because it needed to be signed. On XX/XX/XXXX, I sent the check with another prepaid envelope to send back. It was delivered on XX/XX/XXXX, I just called to get the status and they said the " process '' could take until Friday XX/XX/XXXX. They could not give me any other information. I just want to be able to fix the damage in my house.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

To whom it may concern ; Please amend my complaint filed by the FTC ( XXXX ) on my behalf and other government entities as well. As of today XX/XX/2018, my credit file with Equifax has had the exact same issues as follow for almost a year. 
I personally have not been able to access to my credit file for almost one year, Equifax customer service can not access my file, Equifaxs XXXX which I was set up on last year can not access my credit file, as well XXXX There were some items that were clearly not related to me or my social security number, and I have yet to discover if they have been removed. 
Equifax ask me to provide proof of my identity numerous times to verify my identity, proof of social security number as well address, for which I provided them numerous copies over several months repeatedly of my passport, social security card and bank statements and there still is an identity verification hold also on my credit file. 
They as well had me provide them a signed copy of a document for the social security administration for  proof of my social security number ( form XXXX )  which I complied with and please note, learned that this signed document had been altered by an Equifax representative. 
Also, I will include emails that I started sending at the end of last year for assistance to a XXXX XXXX and XXXX XXXX ( managers ) who did absolutely nothing but be unprofessional, dishonest, hostile and behave in ways that are possibly criminal. They as well have confirmed that everything is resolved on numerous occasion, knowing full well if I were to call customer service my credit file is not visible or accessible, or I cant order a copy, file credit disputes or anything. 
In closing XXXX XXXX and XXXX XXXX have done things that I am not going to write in this letter to me personally, that are troubling and vicious, and I can not be the only individual and they are still in charge, how is this possible? Therefore, I would like to know when is the Department of Justice going to get involve because these people are destroying other peoples lives. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CIT BANK, NATIONAL ASSOCIATION (PA)

When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Porfoilio Recovery Associates has two ( 2 ) erroneously reported balances documents under my credit/XXXX  reports. These creditor balances should reflect " XXXX '' balances.. 

These 2 accounts under my name/credit profile ( both XXXX ) should reflect " XXXX '' balances with credit agencies /XXXX  agencies as well, as within Porfolio Recovery statements and XXXX financial statements under my name. 

These 2 accounts XXXX ( errouneously reported by Portfolio and disputed by me ) were mutually agreed between myself and portfolio associates to be paied on a direct withdrawal monthly payment scale. 

Portfoilio Recovery Associates on a monthly basis automatically withdrew from my personal checking account said mutually agreed amount as agreed by me and Portfolio Recovery Associates until " XXXX '' balances were established. 

O balances were met on both accounts Yet, wrong balances are continually being reported about me to credit and vantage scoring agencies by Portfolio Recovery Associates. 

I have contacted this reporting agencie and spoken to a XXXX XXXX XXXX as well as a XXXX XXXX XXXX regarding this error.
Consumer complaint received 2018-02-13
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: JPMORGAN CHASE & CO. (VA)

I was a victim of XXXX of the " XXXX '' scams. Here is what the real XXXX says : Scam Pop-Ups : What You Need to Know Another well-known trick is the website pop-up, that little browser window that sometimes appears while youre searching the Web. Cybercriminals set up websites with scam pop-ups with messages and phone numbers. These pop-ups usually are not easy to close. 
While some pop-ups are useful and important, others are traps that attempt to mislead you into revealing sensitive personal or financial information, paying for fake anti-virus software, or even installing malware and viruses onto your device. 
Do not call the number in the pop-up. XXXX error and warning messages never include a phone number. 
Here are some of the organizations that cybercriminals claim to be from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX Team ). 

I called the number that popped up on my computer screen who I thought was the " real '' XXXX and they told me that they would clean the virus and protect my computer for {$140.00} for year. The billing statement showed " XXXX XXXX WA. '' This was actually a fraudulent company that loaded pop-ups on my computer to make me think that I had a virus. XXXX XXXX claims we received the service and closed our case unless we can prove that we didn't receive the service. They ignore that the company that we were dealing with was a fraud.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX  days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX  days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX  days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.