davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC. (NY)

Premier Recovery Group has been contacting me without properly displaying their company name and phone number on my caller ID. Most recently, XXXX XXXX, 2015. They also failed to identify the company 's name and spoke faster to the point I could not understand.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-05
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-05
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. (NJ)

I am reaching out to address serious concerns regarding multiple issues with my credit report. Upon review, I identified several inaccuracies, including incorrect account listings, inconsistent billing information, and accounts that are not mine. These discrepancies pose a significant risk to my financial well-being, and I urgently request your help in resolving them.
Consumer complaint received 2024-09-05
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. (CA)

To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria. 
Despite this clear request, the following inaccurate item remains on my credit report : XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX - XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted.
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

Back in XX/XX/XXXX I received a letter and a check from XXXX for {$5.00} stating they 're sorry they made a mistake you ( meaning I ) had overdraft protection ( which is some kind of inssurance. ) and this is what we owe you. Mind you, this negative report has been with me since XX/XX/XXXX. It has also been sold to " XXXX '' a collection agency who 's claiming I owe them the collection agency over XXXX XXXX dollars for that same account. It has put my good name and reputation in a very tough situation. I am a single dad raising XXXX kids alone and a full time student when I call to inform them I 'll be put on hold for too long I would have to return to class, and their hours are from XXXX which is not at all any resonable time for me and my situation. What can I do who can I go to for a little bit of help. I ca n't afford to pay a lawyer.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

XXXX XXXX is refusing to acknowledge they have/had me as a customer. I have filed XXXX other complaints. YOU WILL SEE INCONTROVERTIBLE PROOF I AM A CUSTOMER IN THE ATTACHED DOCUMENTS. If XXXX XXXX attempts ( for the XXXX time ) to block this inquiry by stating " this complaint lists someone the company does not recognize as their customer '' it will be outright perjury to a Federal institution. This company has been hounding my credit for XXXX months after the statute of limitations expired AND they are lying to CFPB. CFPB, you need to do your job and hold them responsible before I have to bring this to additional courts. You will see in the images that there is XXXX possible way for XXXXXXXX XXXX to say they don't recognize me as a customer. I am only listing myself as the owner of the account and the bank. There is no possible way they are able to deny knowing me as I will include my card and SSN in this complaint. This is my last attempt before a serious lawsuit against XXXX XXXX and I will look into my options with CFPB as well for allowing this to continue.
Consumer complaint received 2024-08-29
Product: Credit reporting 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. (MD)

This morning, I found unauthorized inquiries on my credit report, and Im baffled as to why theyre there. When I checked my report as usual, I was shocked to see discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Because of this, I urgently request a thorough review of the documents I've submitted so that I can put this worry behind me.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax and XXXX both have misused and misidentified information reporting on my credit report. Transunion is the only agency which has blocked the identity theft items from appearing. I have submitted all necessary documents including Police report, identity theft affidavit, identification, summary of fraudulent items asking to block them per FCRA 605B, and credit report with items circled. I have submitted it at least 10 times in the past year to XXXX which fails to yield results and they do not notify me that they are refusing to block the information. Secondly, I have submitted the same documentation 76 different times via fax, online, and mail to Equifax. They have failed to notify me of any information. When calling Equifax , I asked to conference call one of the creditors. We did so and the creditor verified it was fraud and to remove it. Rather than removing it, Equifax placed items ONTO my credit report which were never mine. They are included at least XXXX inquiries which were over 2 years old and several accounts never belonging to me. They then claim that they investigated the matter and that they verified the information and will not remove it. Both Agencies treat it as a dispute taking 30 days rather than an identity theft block request which takes 4 days. Also, in XXXX instances, Equifax " completes '' their investigation in just 2 days saying they verified my social, name and Date of birth. This isnt possible and if it was too, it shows I was a victim of identity theft and of course they used MY information. Both Equifax and XXXX have failed on many occasions to address my concerns and I plan to file suit if it is not resolved immediately.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

On XXXX XXXX, 2013 Ocwen Loan Servicing , LLC took over managing my loan accounts on the property I own on XXXX Texas XXXX. 
Since that time they 've been claiming I either did n't make my mortgage payments or I 've been late paying them by one, two or even three months, this have been going on ever since they took over my loan accounts till now, so not only they 've been reporting to all credit reporting companies I 've been late in payment which has resulted in damaging my credit also I.ve been charged additional interest on my loans, because even they receive my payment checks they do n't apply them to my accounts and call the payments suspense payments, they 're still doing the same thing even I 've talk to over XXXX people there about this problem nothing has been done about it till now, that 's why I am complaining about this company and hoping you can help me resolve this problem. 
They even have raised my principal balance on XXXX of my loans by over {$3000.00} that means they 're collecting more interest on my loan. My original loan was {$25000.00} eight years ago now they say my principal balance is {$26000.00} as of today.
Consumer complaint received 2024-09-30
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)

I am a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of. 

Please remove the accounts listed immediately : XXXX XXXX # XXXX XXXX XXXX-ACCOUNT # XXXX XXXX XXXX XXXX XXXXACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXXXXXX XXXX XXXX-ACCOUNT # : XXXX XXXXXXXX XXXX-ACCOUNT # : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX-ACCOUNT XXXX XXXX
Consumer complaint received 2015-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NV)

In XXXX XXXX my checking acct was compromised that my credit card payment was auto-pay through. Since then I made monthly money order payments. My balance in XX/XX/XXXX was {$2000.00}. I sent 4 ) {$200.00} payments. I do NOT use the card for purchases & the interest is about {$3.00} a month. My balance is still {$1400.00}. I am clearly not credited for my XX/XX/XXXX payment. My bill went up that month instead of down. They insist that I was credited. There is some confusion because they repeatedly tried getting the payment through the bank, even though I told them not to. So they credited the bank payment then added it back on repeatedly. But it should n't take a genius to do the math. {$2000.00} minus {$800.00} is {$1200.00} not {$1400.00}. I called twice & wrote a letter & keep getting the same answer.
Consumer complaint received 2015-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (CA)

First National Collection shows a collection on my account for XXXX XXXX. I already resolved this with XXXX and I have never heard from First National Collection until my mortgage company informed me of the account. Per Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX they have not validated this account. I have not moved and have the same cell phone number for years. They have made no effort to contact me to validate this prior to reporting it. Again ... I already turned in the box to XXXX. They made a mistake.
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One sent me checks to use, with all kinds of information saying that the money used would be at 0 % interest rate for 18 months. Now I have received my statement and there is a {$340.00} fee showing for using the 0 % check. It might have been somewhere in the XXXX pages of small print, but that 's fraud, or stealing my money. You ca n't advertise 0 % for the check, and then hide the fact that instead of interest you 're charging a " fee ''. I want my {$340.00} back.
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (UT)

I am being forclosed on by Wells Fargo. I have been in my home for XXXX years, my mortgage has been traded or sold a few times. When Wells Fargo had it, they gave me a line of credit which they said was like a XXXX mortgage. I was having some financial difficulty because of a theft and tried to refinance. WF took that line of credit and my XXXX mortgage a put them together telling me it was a modification.They told me the interest would be a lot lower than 12 % and I would be paying less what I was paying at the time. They instead brought the interest rate up to 12.02 % and {$1100.00} a month and told me I did n't have a choice in the matter and I should have read the fine print. In XX/XX/XXXX I lost my job of XXXX years becuase my boss XXXX. I was on unemployment for a XXXX in which they temporarily reduced my payment. They told me they would work with me and make it so I could still afford my home after the unimployment was done. I have applied and reaplied. They will notwork with me. I can not afford the 12 % interest and {$1100.00} payments since I only make {$XXXX} an hour now. They refused me a Hamp Loan or any other plan because they say that I got my loan after XX/XX/XXXX which is not true. They even tried to sue me for the title that they lost. The people bullied me and were very rude. The woman that I talked a few times keep calling me and telling me that I needed to just turn over the house to them and after my surgery I could die then it would be a problem for them to get the house settled so just turn the house over to them before I went to the hospital.. At the moment I am trying to find a Lawyer that can help with this. I did have a Mortgage counsiler from the State that spent XXXX hours working with me and WF trying to resolve this. She said that she had concerns of their predatory nature of thta loan. I do not want to lose my home. I am trying to get the loan where I can afford it at an resonable interest rate. Im not sure where to turn. XXXX XXXX
Consumer complaint received 2015-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a loan modification with Wells Fargo Mortgage in XXXX. I have received no information on the status of this application since then. On Wednesday, XXXX I received a Foreclosure Notice of Sale auction to be held on XXXX. This leaves very time to deal with this, to find suitable housing and to move out of my current home ( the XXXX in Foreclosure ). I have been informed by a reputable Attorney that this is " Foreclosure Dual Tracking '' and is in violation of the Homeowner 's Bill of Rights.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-28
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 is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX
Consumer complaint received 2015-08-07
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: POPULAR BANK (MS)

A guy from Eloans sent me and email and said that I got approved for a {$5000.00}. I called him and talked about the loan the payments, ect. He said that they did n't need any collateral only thing I had to do was send {$140.00} to put insurance on my loan just in case something happened to me. I sent the money and he told me that someone would called me from XXXX XXXX with an activation code. So the guy called me and gave me the code but it was a lot of breakish in the phone. Then another guy called me from XXXX XXXX XXXX to get the code so he could deposit the money into my account. When I gave him the code it was wrong so he called XXXX XXXX and told them the code was invalid so the guy from XXXX said that I would have to pay {$200.00} just to get another code I told him I did n't have it. I told that sounded crazy. So the guy from XXXX said that when its a miscommunication between to parties that the customer was responsible for the {$200.00} and that XXXX XXXX had to pay me {$4000.00} that was their penalty. I knew then I had been scammed.
Consumer complaint received 2024-10-10
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.