davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  XXXX XXXX
Consumer complaint received 2018-04-14
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)

Transunion and XXXX Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from TransUnion or XXXX. 

XXXX is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with XXXX   several times, with the information still remaining on my credit report.
Consumer complaint received 2018-01-25
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 (FL)

I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XXXX XXXX, XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I 've ever lived.
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

I asked for VALIDATION DATION. I only received the same piece of paper with an account number and an amount on XXXX, letterhead. I have NO KNOWLEDGE of this debt ( I have ALWAYS had state insurance that paid a 100 % of my costs ) Therefore I would like some type of proof that this debt it in fact mine. If you can not provide me with that, this account needs to be deleted from my credit report. I have asked for validation in the past & After asking all accounts were transferred to another collector, except this one. The new collector could not provide validation and removed the items from my report. Im guessing you all cant provide validation either. Yes you say you will send it and send me a piece of paper that XXXX typed themselves.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (TN)

US Bank advertises that consumers using their credit card will not be charged for fraudulent charges or accounts. They back this promise up with a guarantee. I was a victim of identity theft and had multiple fraudulent charges on one account and a fraudulent account opened in my name. I tried to work with the US Bank Fraud Operations Department by providing them with an indentirty theft report from the Federal Trade Commission and also a police report. Despite this, the denied the fraud claim and held me liable for thousands of dollars in fraud.
Consumer complaint received 2018-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2018, I attempted to sell my vehicle to a dealership. There is an existing payoff amount. The price offered exceeded the payoff amount. While the transaction was in progress, my payment to the lien holder was returned causing the payoff amount to the lien holder to change. The sale amount did not change just the difference in the amount out of the proceeds that would go to the lien holder vs. to me. 

When the dealership allegedly transmitted the payment, it allegedly was rejected because the payoff amount did not meet the threshold for the payoff. 

The dealer requested another payoff that reflected the settled account amount. 

The issue is that the lien holder/bank [ CAPITALONE AUTO FINANCE ] disclosed detailed/private account information that under their privacy policy would not have been permissible. The mis-used the information in my account/credit file. 

The lien holder disclosed to the dealer that a payment in the amount of {$960.00} was returned for non-sufficient funds. This provided the dealer with damaging information about the details of the account and I believe they are leveraging against me to my detriment. I was not seeking credit from the dealer, so there was no justifiable cause for them to mis-use the information in my account history. 

The standard practice, according to " DealerTrack '' is to provide the dealer with the following information : [ email attached ] -- -- -- -- -- - We did the final requote and verification for the following : Customer/Borrower : My Name VIN : Last XXXX Digits At the time of requote, the amount owed that was returned from the lender was not within the allowed threshold ( possibly due to payments, fees or other charges to the account that were not settled at the time of the initial quote ) and was refunded to your account. 

You will need to resubmit the transaction in order t receive the title. 

-- -- -- -- -- -- I believe that this disclosure violated my privacy protections under the Fair Credit Reporting Act and possibly other federal regulations.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a complaint to Transunion to have the information removed from my credit report or have it displayed as paid closed. This information is incorrect because it says derogatory when it was discharged in bankruptcy. 
I submitted the complaint XX/XX/2018
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have tried several times to upload documents via https : //www.experian.com/XXXX but i keep getting the same error message stating it can not upload. I am trying to upload the written request and proof of ID to remove the fraud alert from credit file. I have been denied numerous credit applications because creditors can not verify my identity. I have submitted requests prior to remove the fraud alert but it still exists.
Consumer complaint received 2018-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MN)

I have a mortgage with Freedom Mortgage and back in XXXX I was going thru a custody battle with one of my child 's fathers in which I was court order to go to mediation. This required me to use a whole pay check ( had to bring cash ) to pay for it. XXXX dollars plus I incurred more lawyer fees which set me back and I have struggled to catch up. I called to make arrangements and explain my situation to the mortgage company. A friend of mine told me to ask for a modification. At no time did anyone tell me about FHA loans and the partial payment. I began sending the information they requested in XX/XX/2017. I continued to make payments as I was able to. I also took on a part time job in XXXX to help bring up my income. I sent in a letter of hardship and other documents and since then I feel as if they have been giving me the run around. There is always something missing and I swear I have filled out the XXXX form and sent at least 5 times. I now sent them a check for XXXX dollars as of XX/XX/XXXX I owed XXXX the XXXX was sent in XX/XX/XXXX and I called and told them the rest will be coming on my next pay day and they still have to cash my check and have now sent my loan to foreclosure. So now I am occurring attorney fees as well. I am a single mom of XXXX children and I very much want to stay in this home. I was going thru a hardship one that I think should of qualified for the fha partial claim money. I want to have this looked into as soon as you can. Thanks so much,
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Yesterday XX/XX/18 after a XXXX search I saw a Transunion offer for a free credit report. I signed up and entered my credit card number thinking this was merely a verification of identity to receive the credit report. Nowhere in the sign up process did it say that I was signing up for a credit monitoring subscription and nowhere did it say there would be fees charged. It also did not say that the fee charges would be recurring at {$19.00} per month on a " til forbid '' basis. This is inexcusable, especially for a supposedly reputable credit reporting agency. 

I called today to cancel the service and that was accomplished ( they required me to sign in to do this ). I did not know they had signed me up for a credit service and I did not use that service ( the credit report offer did not mention the service or the fees ). The Transunion rep did not disclose that there was a {$19.00} charge already made against me credit card and would not have reversed it if I had not asked if there were any charges already placed against my credit card ( I am still awaiting the reversal verification ). By disclosing this initial charge during my cancellation phone call and not offering to cancel it ( less than 24 hours after inadvertently signing up is another effort to retain funds that were initially gotten through deception. 

For tracking purposes, the phone rep gave my cancellation number as XXXX. 

Please sanction them over this bait and switch tactic. 

1. Here are two of their promotions from a XXXX search : Free Annual Credit Report | TransUnion https : //www.transunion.com/annual-credit-report 2. Click here to access your free annual credit report. With TransUnion, it's easy to order your annual credit reports from all three credit bureaus at XXXX. 
TransUnion Credit Report | Sign Up Today in 2 Minutes Adwww.transunion.com/CreditReport/2Minutes If You Have 2 Minutes, You Can See Your Score Today! There's No Reason Not To. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

Once again shellpoint has not taken a payment and is charging fees for their failures. We had no say in our loan being sold to such a shady company, we paid over XXXX in two months to these people who claimed they didn't receive payments. We sent in the final cashiers check to catch up payments on XX/XX/XXXX, the same date we sent in the automatic withdrawal payment forms for our payments to start coming out of our checking account on the XXXX. The cashiers check cleared the bank on the XXXX, meaning they received it several days prior. They still have not taken the payment for XXXX, expecting us to pay their late fees, ect which they then make more than what is authorized or reasonable expected to pay, so your payment is reported as late and they can then charge more fees. We had never had one issue with our mortgage prior to our loan being sold to a company like this.
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX XXXX has been ongoingly writing me since XX/XX/2018 for payments on items, that I have paid for through XXXX credit card XXXX XXXX XXXX. These items appear to be the items that were put in XXXX plan. 

XXXX XXXX XXXX contact the XXXX XXXX XXXX immediately review my account with them immediately and send them the payments for all items they did not receive their payments for. 

From home shopping networks responses in writing to me, they have not been paid for numerous XXXX  paid items that I have clearly sent payoff payments to the bank for. 



To date, I have sent full payments to XXXX XXXX XXXX XXXX to pay off all XXXX account items, with- in 30 days Or less, if items purchases. 
I need XXXX XXXX  to contact XXXX asap, review what they need and send them payments on items asap. 
I have already requested for XXXX to stop writing me and I have informed them that I have sent the full payments for all my XXXX items to the bank. 

XXXX will also be contacting you directly to resolve issue. 

XXXX is ready to send my alleged non-payment for these XXXX items to collections and this is not acceptable!!!. 
I will not have my credit hit twice on same, on going issues between XXXX and bank, period. 

Both agencies have partnered together to service consumers, so work together to fix this ASAP. 

XXXX XXXX XXXX you now have the same 10 business days, as XXXX, from today to resolve.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.C. System, Inc. (MO)

I pulled my XXXX credit report and noticed they have 3 variations of my name and 2 of them are spelled incorrectly. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 2 companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Consumer complaint received 2018-05-01
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. (GA)

I understand that per Equifax response on XX/XX/2018 that they have 60 days to investigate an issue that is on a credit report. My items that do not belong to me, which are XXXX XXXX  account number XXXX and XXXX XXXX   XXXX account number XXXX and XXXX XXXX account XXXX were all under investigation and for OVER 60 days! I have attached documentation from my credit files with the dates and under investigation.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AC AutoPay LLC, Denver, CO Branch (VA)

The car that was allegedly leased was repossessed with the original creditor and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The original creditor decided to keep the car as compensation and therefore I no longer owe the original creditor for the lease of this vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement between the original creditor and AC Auto Pay. With the original creditor giving all rights to this debt including the right to receive  payment and charge interest to AC Auto Pay. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the leased vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dear Equifax, Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX Previous address XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX 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 XXXX XXXX, XXXX, XXXX XXXX Please remove the following addresses from my report as I have not lived there for the past year and dont collect mail there anymore. 

I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XXXX
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (NY)

For the pass 2 years dated back in XX/XX/2015 i closed out my XXXX XXXX account due to financial hardship but unfortunately XXXX XXXX and the collection company won't delete it off my credit report. At the time i had just got laid off from my job and i truly wanted to keep up with the payments so that's why i had to closed the account. All i would like is for them to delete and remove the negative remarks off all of my reports.