davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
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. (AL)

I contacted Transunion because I have recently discovered fraudulent inquires on my Transunion credit profile. I told them I have officially filed a police report and I would like them removed from my account. The agent told me they can not do that because they have to have proof of my police report and I have to send a copy of my SSN. I refuse to send a copy of my SSN over mail. I dont know why anybody would recommend that. They also said I have no choice but to contact the bank and get a deletion letter explaining to Transunion that it was fraudulent activity. When I contact the institutions, they say they can not provide it and to contact the bureau. Its just an infinite loop leading to nowhere. It is against the law for a credit report agency to force me to be responsible for correcting inaccurate fraudulent activity on my report. I would like my fraudulent inquires to be removed or else I will be contacting an attorney, because these inquires are affecting my ability to get a mortgage loan and other loan products.
Consumer complaint received 2018-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC (TX)

I have contacted XXXX XXXX XXXX regarding 2 accounts IN THE AMOUNT OF {$71.00} and IN THE AMOUNT OF {$920.00} on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX emergency whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The accounts are linked to an address thats not mine. I have disputed the errors repeatedly with each bureau for removal but I have been unsuccessful. These negative accounts are hindering my progress.
Consumer complaint received 2023-04-20
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: SANTANDER HOLDINGS USA, INC. (TX)

In accordance with the fair credit Reporting act XXXX this creditor Account # XXXX has violated my rights. XXXX Under 15 USC 1681 Section 602 States I have the right privacy.

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

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Consumer complaint received 2023-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I've recently gone through a divorce and as we were settling things financially, our mortgage payment went by the wayside. Prior to the divorce settling in XXXX of this year, we decided to put our house on the market and finally got an offer and the house was set to close in XXXX ( 2023 ). I didn't pay XXXX, XXXX, and XXXX at first ( while the house was in closing ), but then went back to pay XXXX and XXXX so I wouldn't be more than XXXX months behind. My last payment to LoanCare was on XX/XX/2023. 

I closed on the house on XX/XX/2023- in which a check for nearly {$200000.00} went to LoanCare to pay off the entirety of the loan. LoanCare gave the title company a payoff quote and spoke to someone. 

This week ( week of XX/XX/XXXX ) - I get a notification from XXXX that my credit dropped XXXX points because I'm behind on my mortgage. I'm trying to figure out HOW THIS IS POSSIBLE when the house sold, and I was given a check for the proceeds for my end. 

LoanCare is still showing that I owe money ( right now they show that I'm past due {$5300.00} with a payment to be paid on XX/XX/2023 ), and has negatively reported me to the credit bureaus. I called to talk to them and they said they never got the check, and the next step is foreclosure for the person who JUST bought the house and is living in it now.
Consumer complaint received 2023-04-20
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, already under court order by the CFPB, is still contacting me regarding a debt that has not yet come out of deferment, and/ or is contacting me about a debt I do not owe and was never given a notice of my right to dispute. 
The loan ( which they are calling me about, illegally, in harassing phone calls ) in question never discharged in time and never covered all my late charges billed to me by the UC Board with less than 2 weeks left in my XXXX XXXX term. I had assumed by that time,, as any normal person would,, that my terms enrollment had been cancelled ( I was not enrolled with less than 2 weeks left in the quarter! And have records of this ) so I left the area to save myself rent charges ( again, with rental records to show this ). 
Only the terms late charges, ( not including tuition charges, which did not show up in my account until after I had left the area and traveled XXXX hours away by car ) were filed as a lost claim by the XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX of last year ( I am listed as a dependent in the case already settled out of court last XXXX ) I opted out of the settlement as I felt the terms were not satisfactory to cover my losses So Portfolio Recovery should not even be involved in collections efforts regarding this terms ' loan
Consumer complaint received 2023-04-20
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. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-04-20
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: SANTANDER HOLDINGS USA, INC. (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp. (KS)

On XX/XX/XXXX I made a payment to 1st Investors Servicing Corporation to pay off my loan in the amount of XXXX. This was the total the website said I owed. My XX/XX/XXXX bill said {$860.00}. So apparently I have an overpayment of {$400.00} that is due to be refunded to me. My bill, the website and customer service balance are all difference amounts. In trying to get the account straight with customer service I was passed around, then their customer service was down, then I called back. This all took place on XX/XX/XXXX. All the while they kept wanting to send my call to " titles '' since my car is now paid off. I spoke with " titles '' and they verified they have absolutely nothing to do with the issuance of my {$400.00} overpayment and they can not request the funds to be released as it is not their department, they handle titles only. Makes sense. 

I spoke with five different people and no one could tell me when I would be getting my overpayment. One person said it would be at least 20 days before released. Unacceptable. Not delivered in 20 days. They were just going to hold on to it. When I said it was unacceptable and what was the reason, they could not give me one. It's " titles ''. Again, titles said they had nothing to do with the release of payment but customer service kept blaming them. The " best '' they could do was to put in a request to have my payment refunded but it probably would not be. Because of titles,,, The title should have nothing to do with my refund. A title should be issued when the account is at XXXX. Mine is at XXXX. I was told no one could issue my refund. Nobody knew what they were doing or what department handled the refund. Literally, I do not know. Even the supervisors. Again they kept blaming " titles '' which " titles '' again, said they have NOTHING to do with billing. I finally had to start refusing to be sent to titles. Listen to the calls. They say they record everything. It is unfair and unethical that 1st Investors Servicing Company is holding over {$400.00} and will not refund the money, nor give me an acceptable answer when it will be or why they are holding it. The title release doesn't make sense. It's a negative balance! A title should be issued at {$0.00} so why won't they refund me?
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (GA)

I have found inaccuracies on my consumer report that are affecting my ability to obtain credit and it has become very detrimental to my life. 

XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXX ) In accordance to XXXXhe Fair Consumer Reporting Act the above accounts have violated my rights.

I have contacted the 3 consumer bureaus about these inaccuracies and no changes have been made and this is affecting my consumer report. I did my own research and according to consumer law : 15USC 1681 section 602 A. -states I have the right to privacy 15 USC 1681s-2 ( A ) ( 1 ) - states, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 604 A section 2 - states, A consumer reporting agency can not furnish an accurate without my written instructions.

The inaccuracies include dates open, dates closed, etc.
Consumer complaint received 2023-04-20
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. (GA)

To whom this may concern, I sent a letter to Experian, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature.

Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity
Consumer complaint received 2023-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Please note I was called by someonesaying they were capital one and asking me to call back to XXXX XXXX and refer to a reference number XXXX for an application verification. They wanted me info to confirm if it was an application I submitted. 
I did not give them any information but hope you can report this to the FBI or local authority that prevents them to succeedin scamming others? 
Please follow up Thank you
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

After going thru hardship due to identity theft and deceptive practices as reported to the Federal Trade Commission and my local police attached. I contacted Discover bank to pay my standing debt off as good faith. I've spoke to a representative regarding payment in return for deletion of negative rating on the 3 credit reporting bureaus. which was agree so on XX/XX/XXXX i paid full balance owed. however i undergone Double Enrichment because as stated by Discover Bank on my account I've made payment after charge off / collection settled. also discover has failed to report accurate balance i ask for verification of all bills, a physical signed agreement contract baring my signature and proof of my photo I.D . although in good faith to clear my name and credit reputation the bill has been in fact paid in full by me all I've asked Discover financial is to deleted this negative mark from my credit as agreed when payment was given. even after I've tried multiple time to write good will letter explaining my hardship due to identity theft yet nothing has been resolved. I was told by the Federal Trade Commission to submit proof to all potential affected creditors a copy as proof i was in fact a victim of Identity Theft and Deceptive practices. i think that its unfair that Discover Financial can hold a honest XXXX, XXXX Veteran, Father, citizen and Consumer back from achieving good credit rating to purchase a home for my family.
Consumer complaint received 2018-09-22
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: JPMORGAN CHASE & CO. (PA)

Dear CFBP Team please be consider this complaint against this creditor This is the second Complaint against Chase Card and they don't want remove Hard Inquiry was made on XX/XX/2018 with unauthorized by me, and if they have proof i did applied for credit let them show up otherwise remove this inquiry i and they say we will mask that inquiry, now i'm open complaint again to remove from my credit Report with XXXX   and already has fraud alert on my credit report with all national agencies attached copy mail from Chase Bank that im not applied and they said we think its fraud First Complaint : on XX/XX/2018 Chase bank Run my Credit and left Hard Inquiry on my credit so i did fraud alert with 3 agencies, XXXX and XXXX XXXX XXXX and i contact Creditors who run my credit and most of them remove the inquires so with Chase bank i received letter from them and say that : we declined an application for a new account because we couldn't confirm the information on it, we're concerned someone may be using your personal information fraudulently and instruction steps to do fraud, so i contact them and sent letter and they response the hard inquiry made was valid so i want open complaint against chase bank to remove Hard Inquiry was made Unauthorized with a fraud
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL (FL)

Syncb Inquiry from XX/XX/XXXX XXXX XXXX XXXX Syncb Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX  I did not do this, please take off my account.
Consumer complaint received 2018-03-19
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: Rent Recovery Solutions (TX)

I have an account on my credit report that caused me to be denied housing on XX/XX/XXXX. I contacted the agency who is listed : RENT RECOVERY SOLUTI Reported : XX/XX/XXXX {$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} Opened XX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name THIRD PARTY XXXX Creditor Information RENT RECOVERY SOLUTI XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXXI disputed the information. Then in XX/XX/XXXX I called again to Rent Recovery and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with XXXX twice and they have " confirmed '' it twice. But XXXX says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house since XX/XX/XXXXthat I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call Rent Recovery, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.