davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (GA)

My Dad passed away in XX/XX/2016, He was XXXXyrs old in a XXXX XXXX.while there he asked me to have a lawyer to come there in order to do his will which I did but during the process he went into a XXXX   and died. I notified his bank ( Citibank ) and sent them a copy of his death certificate.to customer services in XXXX XXXX Tx. They in turn told me I had to contact the branch where he had his account which is in XXXX. The manager said I had to go to Probate court for an affidavit which I did and had it notarized. After waiting over 1 month for a response to hear from them, I called and was told that I have to get a different form and come into their bank. I explained I am a senior citizen don't travel much anymore and there is no Citibank here in Ga. Or send the samr documents back to XXXX XXXX Tx . They have been giving me the urn around for over 2 yrs. My Dad '' s name was XXXX XXXX.This affidavit which was given to me from the Probate court states that the institution to pay the amount of the said deposit up to {$10000.00}, my Dad has {$5400.00} in the account.
Consumer complaint received 2018-12-15
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. (PA)

I contacted XXXX and asked them to correct the inaccuracies that they are reporting to XXXX, TransUnion and XXXX  they ignored my request. 

I contacted TransUnion, XXXX  and XXXX  and asked them to verify this incorrect information or remove this account from my credit file because it is not being reported with 100 % accuracies. 

They are reporting different things to all three of them. The account types are different. The 30, 60, 90, XXXX  and XXXX are being reported on differently. The same derogatory late payments are being reported on all the reports on different months. An account that is reporting 100 % accurate information would never do that. All the information would match on all 3 credit reports.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I was impacted by hurricane Irma in XX/XX/2017. I contacted Mr. Cooper/Nationstar Mortgage to inquire about a forbearance program. I was told that due to the hurricane I qualified for a 3 or 6 month forbearance and that the forbearance payments would be tacked on to the end of the loan. Prior to starting my payment again, I was told that I was given wrong information and that I owed the outstanding balance or I needed to modify my loan. If neither was done my home would be foreclosed on. I can make my monthly payments, however I am not able to payback the forbearance amount all at once. They will not honor the original terms. Please help. 
Mr. Cooper/Nationstar Mortgage has since sold my mortgage to XXXX XXXX XXXX   and they also will not honor the forbearance payment to be added to the end of the loan.
Consumer complaint received 2018-12-16
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. (CA)

Transunion has taken the debt companies explanation of terms and conditions of a XXXX office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX   review down in order to wipe the debt that never should have exsisted XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

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 Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< This is not my account and i never opened any account with this company
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that fully intent to pursue litigation in accordance with the FCRA to enforce my rights and see relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of your first investigation and subsequent reinvestigation you stated in writing that you verified that these items are being report correctly. Who in your company verified these accounts are mine? How did they verify them? You still have not provided me with the name of the individual, business address, and the telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETED all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for ( Section 616 & 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you send me copies of the documents you used to verify the following accounts list below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 



Name of Account : Account Number Provide physical Proof of Verification : 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  UNVERIFIED ACCOUNT Thank you, XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ask that you guys correct and fix This company is reporting wrong information someone added me onto this loan with an address Im not affiliated with a Date of birth on the loan that isnt mine. A co signer on the loan that I dont know anything about. I ask this matter get fixed and report this to the bureau correctly deleted it shouldnt be on my account as the car isnt mine all this need to get took care. The date of birth the address and the co signer dont have anything to do with me Im not aware of it. I filed a police report reporting this issue of my things being stolen I will also file on you guys for allowing someone to get a car under my name with different date of birth and address and co signer if this matter isnt fixed and delete I will file At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (TN)

My mortgagee " XXXX XXXXXXXX XXXX '' - SLS, was notified in writing by me that my balance was incorrectly increased from $ XXXX to $ XXXX, and that my payment history was incorrectly reported from XX/XX/XXXX to XX/XX/XXXX by showing I was 150+ days delinquent. Received letter from SLS, after filing dispute with XXXX of Colorado, that they made a mistake, and all payments were " Paid as agreed. 
My credit report was never corrected by SLS as of XX/XX/XXXX. 

Needs correcting to remove negatives scoring on my FICO reports for both XXXX  and XXXX
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom It May Concern : My credit report has address I discovered that are not mine on it and it contained some errors pertaining to the following my individual personal information. I am demanding that you promptly update and delete addresses that I never resided and may possibly be relatives address. These please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. 

My name is : XXXX XXXX XXXX, File Number XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX OH My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct. 
There is account I do not recognize from a XXXX XXXX XXXX # XXXX this is a error please delete!
Consumer complaint received 2018-07-22
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: Experian Information Solutions Inc. (KY)

On or about XX/XX/2018, I filed a personal credit report dispute online requesting to remove outdated information such as telephone numbers, addresses, employers, incorrect accounts, inquiries without authorization to Experian. I also provided all my identification information for them to do so via mail. On or about XX/XX/2018, Experian refused to make the requested changes per my request to do so as evidenced by the dispute results report number # XXXX for XX/XX/2018. Experian also refused to send me a free copy of my personal credit report and credit scores after I was denied a loan. Experian refused to put a security freeze on my personal credit report because I am a Kentucky resident. Experian has attempted to charge me for my personal credit report, credit scores, and security freeze.
Consumer complaint received 2018-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (PA)

I contacted XXXX XXXX XXXX XXXX and they have ignored my request. 

They keep placing new, negative, payment activity monthly on an account from XX/XX/2014 that they filed an insurance claim for and sold to a collection agency. 

How does an account that was charged off have new activity on it from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? How does a closed, charged off and sold account have a late payment, past due balance and balance? 

These erroneous error are messing up my monthly payments, balances used and owed and over all utilization. 

Can you please tell them to review this account and stop reporting new, incorrect, illegal and violations to my credit report monthly? 

The should correct the inaccuracies on this account or delete this account immediately, like they were asked to do since XX/XX/XXXX. 

I contacted the credit agencies and my credit file is still inaccurate. 

These error are preventing me from obtaining a mortgage, credit cards and loans.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

Several Months ago, I was contacted by a collection agency, XXXX XXXX XXXX XXXX, allegedly on behalf of a dental  office in XXXX XXXX. I was informed about {$2200.00} in outstanding dental bills owed to this dental office in XXXX XXXX area. I disputed the information and in order to prove the debt was not mine, I gave my medical information, XXXX XXXX and XXXX XXXX XXXX Information including my dentist information as a means to verify I was not the person owing any dental debt. They verified that I was not the person who owed monies to a dentist office in the XXXX XXXX area and stated they would remove my information from their file. 

Despite providing all my personal and medical information that they required and verified that debt was not mine, several months later, I find out that this company filed a negative information on my credit history. Due to this false information, 3 of my credit cards with other companies, with XXXX  balances, were closed. 

I called XXXX XXXX XXXX to demand that they remove the information from my credit reports and they demanded my personal medical information once again. I declined as I had already submitted to XXXX XXXX XXXX person several months prior. XXXX XXXX XXXX Collection Person refused to call reporting credit grantor to verify my complaint. 

I need some assistance to get this information off my credit report as it has cost me 3 credit cards that I kept with XXXX balances in case of an emergency. My credit score has suffered immensely due the failure of XXXX XXXX XXXX 's failure to verify information before destroying an innocent person 's credit report.
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Consultants, Inc. (CA)

Diversified Consultant is a fraudulent company that I have never had a contract with and got a hold of my information and has attached themselves to my credit 3 times and I have proven that it is not my account. It keeps being removed then re attached month 's later. They are a nightmare and should not be allowed to ruin people 's credit. Please shut this company down.
Consumer complaint received 2018-12-15
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. (TX)

Im very unhappy at the fact that there is FRAUD information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!
Consumer complaint received 2018-11-29
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. (SC)

On XX/XX/2018 this letter was sent to Transunion and received via certified mail on XX/XX/2018. The first sentence on the attached document stated THIS IS NOT A DISPUTE however Transunion used this document for a unrequested dispute that Transunion verified as accurate information instead of a request for Method of verification. As of this day XX/XX/2018. I have NOT received the requested information and Transunion continues to verify the XXXX account # XXXX as accurate without providing copies of contracts bearing my signature or the information of the contacts they spoke to that continue verifying this inaccurate information. This is evidence that Transunion is violating guidelines of the FCRA in fair reporting. Please consider all the complaints about Transunions unfair reporting and consider class action legal action on consumers behalf.
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. (MA)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Pentagon Federal Credit Union was paid an amount that was agreed upon in a legal contract. This contract has confidentially agreement that states that I can not state what they reduced the amount due but it did state that I would pay a sum of money to pay the account and Pentagon Federal Credit Union would accept that as payment in full without further harming my credit or coming after me. I addition they canceled the credit cards which was agreed as part of the contract. 
The sum of money was paid as per the contract early and in full. The creditor has not sent me a letter to show that the account was paid which is a item that they should have provided me as I can still go to the banks and show the amount paid but not from Pentagon Federal Credit Union that states the same. 
The actions Pentagon Federal Credit Union has done is as follows : -Stated that the account is in collections ( Not true it was paid in full ) -The account was written off ( Well that is not true as I paid the amount agreed to settle the bill ) I believe that Pentagon Federal Credit Union is not following the Fair Credit Reporting Act and is penalizing me even though I paid them the amount in good faith. They have been contacted several times and they have advised me that the accounts are closed and paid in full. This is very much different than what the Credit Bureau has in my report. I'm asking for help as they have said that it would be corrected no later then 60 to 90 days. It now has been over 6 months! The manager who wrote the letter was  contacted and he was rude and treated me very poorly. My cause of the hardship was a tragic accident that impacted my head. ( XXXX XXXX XXXX ) I'm not aware of how a credit report can mark something incorrectly and get away with it without violation of the fair credit reporting act. If they state I didn't pay then I suggest that they refund the money as their reporting is stating the same level of lack of payment and is harming me more. 
Pentagon Federal Credit Union has a duty to follow the regulations of the Credit Union and of the rules established for financial institutions. In this case they have opted to not follow them as they know of my medical condition and lack of ability to ask for help. In this case I was assisted by my family member to help address this matter.