davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hi so I recently filed a complaint regarding Transunion XXXX I reached out to them today as I have been trying to resolve this issue they transferred me to a supervisor which acknowledged they got my documents and complaint but still are refusing to remove negative items that I requested off my credit report that are unauthorized and unverified I made them aware that they were in violation with the law according to FCRA with them not providing the documents I asked to validate the information on my report. The supervisor specifically told me they are not required to valid anything because what Im disputing is factual information. I simply asked how can you verify something as factual with no investigation being complete so I am writing again to complain about the experience I continue to receive from Transunion. This is starting to really affect my mental health as no one is willing to assist with this matter they are failing to do this and are in direct violation with the fair reporting credit act.

U.S. Code, 15 U.S.C. 1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm, physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consume who is/was factually identified as being me and only me. 
Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries immediately.
Consumer complaint received 2019-08-08
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-08
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)

Sent a police report and ftc report on fraud from someone stealing my identity and opening false accounts in XXXX 2019 for collection XXXX XXXX XXXX TXXXX XXXX # XXXX $ XXXX and Equifax did not remove from my credit report even when all evidence was presented. very detrimental to my credit profile and need to be removed as soon as possible.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This marks my 9th attempt to dispute the information in my credit file arising from an alleged identity theft. Once again, I am submitting an identity theft report ( # XXXX ) in accordance with FCRA Section 605B ( a ) ( 1 ) ( 2 ), mandating the removal of any information resulting from alleged identity theft within 4 business days of receipt, provided with ( 1 ) proper proof of the consumer 's identity and ( 2 ) a copy of an identity theft report. Please REMOVE the items listed in this complaint : 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 2020-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (WI)

I received a letter in the mail on XX/XX/XXXX addressed to my deceased husband XXXX XXXX. It was from PHH Mortgage Services. There was information on there about a Misc repayment and an escrow disbursement. XXXX passed away in XXXX and he has not had a mortgage since XXXX. I called the company to find out what this was about and they would not give me any information. They said I needed to send them his death certificate. I told them that I was not going to do this because I had no idea what this was even about and then they hung up on me. 
It sounded like a scam and I wanted to report them so another person doesn't give them information and get taken like they were trying to do to me.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase credit card, in which I always pay on time, in the credit reports XXXX, XXXX and XXXX XXXX appear as negative status this Chase credit card because they have registered late payments on XX/XX/XXXX and on XX/XX/XXXX. 

I have this credit card since XX/XX/XXXX to present, and I never paid late. I do not know way the have this late payments register on the sistem
Consumer complaint received 2024-08-26
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NC)

Had a collection/Charge off with Barclays bank. I called in on XX/XX/2019 and paid/settled the account for {$1300.00}, reference number : XXXX. I was told that I would receive a final settlement letter showing that the balance had been paid, and that my credit report would be updated within 3 months reflecting a {$0.00} balance. I never received a settlement letter, and my credit report is not updated. I called the company on XX/XX/2019 and they stated that there system shows a letter was never sent out. They also stated that i am not the only one that this has happened to.
Consumer complaint received 2023-07-28
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: CLGF Holdco 1, LLC (SD)

I currently have a card with Milestone and am facing reduced hours due to the XXXX  time. 
I am requesting a postpone due date till XXXX and with no affect on my credit reports.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc (FL)

I have already opened a case with the CFPB regarding this matter. ( Complaint number XXXX ). I am trying to leave " feedback '' regarding the lender 's response which was filled with lies. The feedback button is broken and nothing opens when I click it. I have attached a timeline, which you can clearly see contradicts with their timeline. The denial letter stated a completely different reason from the one that they provided in their response ( gift funds and VOR is stated in their response and our denial letter stated " inadequate collateral ''. ) We provided a VOR and rent checks earlier in XXXX. As you can see in my timeline, I also noted emails, dates as well as points of contact. I personally contacted LoanStream multiple times to check the status during the process and they never mentioned anything about waiting for the broker. I was never told that things were " missing '' I was always told that it was " In Docs '' and would be finalized " that night '' which clearly never happened. 

After I left the initial complaint with CFPB, I was contacted by the COO at LoanStream, but he just seemed dead set on getting the timeline so that he could create his response and try to make them coordinate. Loanstream ruined the relationship between the borrower ( us ) and the seller. The seller refused to give us back our deposit of {$10000.00} and it took us weeks to negotiate. I lost {$2000.00} to the seller as well as the costs mentioned in my original complaint. 

In closing, the response that LoanStream left is filled with lies. We were not " unresponsive '' to their calls. We answered and sent the attached document directly to XXXX XXXX who called us back that night with a team of people on the phone. In fact, the attached document was created specifically for Mr. XXXX. Unfortunately, their main goal was to simply get us to put the additional money down and purchase the house that the seller refused to sell to us. ( Note : the seller 's broker also left a negative review for Loanstream and refuses to work with them so it was a dead end. ) To further prove that Loanstream is a crooked company, once I left my negative ( yet 100 % accurate ) review, they did their best to " bury '' it with fake positive reviews. Some are from actual employees of the company.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX, 2019 XXXX XXXX. XXXX XXXX Application Number XXXX XXXX, WY XXXX Weve helped protect your identity. 
Dear XXXX XXXX : Were XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX XXXX XXXX credit card. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( XXXX. No. XXXX ). You indicate an application was submitted for a XXXXXXXX XXXX  XXXX XXXX credit card using your personal information. You did not authorize anyone to view your credit file and state it is a violation of the FCRA. You request documentation validating your authorization or the inquiry deleted from your credit file immediately. 
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report. 
We suggest you take the following steps to help protect your identity :
Consumer complaint received 2023-07-28
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: JPMORGAN CHASE & CO. (OH)

Please note this is not a debt validation request. This is a request to be removed from credit reporting according to the consumer laws noted. 
( 15 USC 1681 ) According to the U s consumer laws I have a right to privacy.

I request for all of the disputed accounts to Cease Desist credit reporting.

I repeat, I invoke my privacy under the consumer laws to cease credit reporting on the disputed accounts.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (NJ)

I purchased XXXX appliances from XXXX in XX/XX/XXXX and was told I qualified for a rebate. I submitted my request but never received my rebate card. I called several times and was told it was sent out, yet I never received it. In XX/XX/XXXX, I became very ill and was only focused on my health. I am now in the process of recovering and I am in the process of getting my personal affairs back in order. I followed up with myprepaid again in XX/XX/XXXX to find out what the status was. I was informed that my card for {$250.00} expired in XX/XX/XXXX. The rebate was supposed to be for {$300.00} and also I received my appliances in XX/XX/XXXX, so how does a card expire at the same time it was issued? Then the representative stated the card was sent out although I stated several times in my prior calls that I had never received my rebate card. He stated there was nothing they could do as I should have called months ago, yet I explained I actually did call up until XXXX and in XXXX became extremely sick and some days couldn't even move or talk. I requested a supervisor and explained what occurred and he stated he would escalate my claim as he does show the card was never activated nor used. I was told to call back in 10 business days for the results. I have called 4 times as of the date of this claim and keep getting the same response that it was escalated and they have to wait on a response as the money is no longer there. How is something that I was told I qualified for yet never received and notified this company it was never received on numerous occasions and never even activated nor used, no longer there? I am still waiting on a response to the claim that was so called escalated and submitted in XXXX.
Consumer complaint received 2020-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Borenstein & Associates, LLC (CO)

I owed a debt for a hospital bill. The hospital called me several times trying to settle my debt. I explained that I received several bills from the emergency visit and it was going to take a while to pay them all off. I had made payment arrangements already with the hospital doctor, my doctor and the XXXX  and at this time I was not able to support any other arrangements but as soon as I was able I would make arrangements with them. I did talk to them a few more times and relayed the same information. I had not heard from them or anyone about this debt for several months but I came into money and was able to pay the bill in full. I called the hospital they took payment and sent me a receipt. A day or 2 later I went to work about found that Borenstein and Associates has filed a lawsuit against me for the debt. Previous to this day, XX/XX/2020, I had had no contact in any way with this firm. When I called they stated that the hospital should not have taken my payment and that they were the owners of the debt. I stated the debt had been paid. They insisted that I owed them {$400.00} for attorney fees and if I didn't pay them today there would be {$100.00} added to the charges. I was never given notice of debt or an opportunity to validate or dispute the debt. Per the Fair Debt Collection Practices act, communication in the form of a pleading in a civil action can not be treated as an initial communications. This was the ONLY communications I received from Borenstein and Associates. These collectors are asking for more than 60 % of the actual debt as " attorney fees ''. These fees seem extreme. Total debt due and paid was {$600.00}. They are asking for fees of $ 400+ for collection fees. This seems extreme considering they have actually never attempted to contact me to collect the debt as required by law.
Consumer complaint received 2020-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

I had medical emergency XX/XX/2019 and was transported by XXXX  XXXX XXXX to the hospital. They billed my insurance company XXXX {$840.00}. XXXX negotiated a reduced amount of {$720.00} which they have paid. I spoke with XXXX and they have assured me that I do not owe anything to XXXX XXXX  and they are sending me a letter within the next two weeks stating that. I now have a letter from PennCredit that I owe {$140.00} and the creditor is City of XXXX, FL. for EMS services and they have also placed a record in my credit statement of unpaid debt. I reached out to PennCredit but they have the issue under review and have done nothing to remove the remarks from my credit report.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (CT)

Looking for a car. Sat down and pick a car I liked. They told my I had the credit to go for it. So I did. Coming back there telling me that I needed a co-signer that same day. Come to find out I decline the offer n walked away .. every since then Ive still been charged and hitting my credit almost 80 points. My score was XXXX and now its XXXX .but applying for credit it was XXXX.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TN)

I received an email from XXXX XXXX at Wells Fargo on XX/XX/XXXX asking me to provide proof of insurance from XX/XX/XXXX to XX/XX/XXXX for the XXXX XXXX XXXX on which I co-signed. She said they owed me a refund if I also insured the XXXX. Ms. XXXX gave a reference number of XXXX. I responded the same day with an email ( attached ) saying they know the car was insured because the owner 's insurance paid off most of debt on the XXXX after it was stolen and burnt -almost beyond recognition. I requested a refund of CPI Policy XXXX - the collision protection policy they inappropriately purchased and charged my brother-in-law and myself. Because I am the person who paid off the car after the insurance payment, due to lack of gap insurance, I stated the refund should be paid to me. On that same day, XXXX XXXX responded as the Wells Fargo CPI Payment Administrator stating my request was being referred to another department. 
On XX/XX/XXXX " the Office of the President '' sent a letter saying they were aware of my concerns and would send me a package within the next 10 days. A second letter arrived on XXXX/XXXX/XXXX from XXXX XXXX, " Executive Resolution Specialist '' with the same basic message. Neither of these letters mentioned nor directly addressed the statements I had made in my email of XX/XX/XXXX. 
On XX/XX/XXXX, a check for {$5.00} arrived via XXXX XXXX. Upon receiving the check, I sent a 2nd letter on XX/XX/XXXX ( which they received XX/XX/XXXX ) requesting a copy of the policy and proof of payment ( attached ). Wells Fargo has sent 2 more letters ( attached ). Neither of them provided the information I requested. I am counting this complaint as my response and will send a copy to XXXX XXXX because she is the last person to correspond ( and ignore my request ) with me from Wells Fargo.
Consumer complaint received 2020-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.
Consumer complaint received 2024-08-26
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681C-2 ) THAT YOU, THE EQUIFAX CREDIT REPORTING AGENCY , BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT. THIS FRADULENT, INNACURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL COLLECTIONS ACCOUNTS, CHILD SUPPORT, CHARGE OFF AND HARD INQUIRIES. THIS ACCOUNT COLLECTION, DATES OPENED ( XXXX XXXX, XXXX ) - DATE OPENED XX/XX/XXXX ) - DATE OPENED XX/XX/XXXX ) - DATE OPENED XX/XX/XXXX ) - ( XXXX XXXX ) - DATE OPENED ( XXXX XXXX ) THIS ACCOUNT HAVE RESULTED IN SEVERAL FRAUDULENT HARD IN QUIRIES AND COLLECTIONS. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS, ARE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF FTC IDENTITY THEFT CRIMINAL COMPLAINT
Consumer complaint received 2019-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NJ)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.