davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion , LLC XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-09-28
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Hello, Im working with a client of mine to rebuild her home that was lost in the XXXX Fire in XX/XX/XXXX. We summited all details to XXXX XXXX   in XX/XX/XXXX and since that date we keep getting the run around. 
We summited to rebuild a manufactured home, we have been told that corp approvals take 7-10 business days, 5 months later and 15+ calls same answer. 
Just last month we where asked to begin to talk to a man named XXXX. Since last month nothing has happned.
Consumer complaint received 2018-09-28
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX XXXX IN THE AMOUNT OF {$410.00} XXXX XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2018-09-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

On XX/XX/2018, I became the victim of a {$100000.00} INTERNATIONAL WIRE TRANSFER SCAM. This money was my ENTIRE life 's savings. The fraudster impersonated XXXX law enforcement ( where I used to go to college ) and told me my SSN had been compromised. In order to be assigned a new SSN, I needed to transfer my funds to a bank in XXXX XXXX, specifically the HSBC in XXXX. HSBC 's address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The recipient 's information is : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I submitted a recall request on XX/XX/XXXX with XXXX XXXX XXXX to no avail. I also found out that there are at least TWO MORE VICTIMS involved in this crime, although their funds were transferred within the U.S., as opposed to internationally. I have alerted : The XXXX Police ( where I live ), the XXXX XXXX XXXX where this took place, HSBC ( formal complaint ), the XXXX XXXX Police, the ic3 ( twice ), the Criminal Investigation Division ( CID ) of the Texas Comptroller of Public Accounts, the FTC and the Texas Attorney General. There is still NO resolution. Every time HSBC responds to XXXX XXXX XXXX, they simply say they are waiting on a response from the beneficiary to get debit authority. My guess is the beneficiary will NEVER respond to HSBC since all their contact details are FAKE. HSBC allowed the fraudster 's account to be opened using false details. The bank was purely negligent in allowing the transfer to take place, as well as failed to conduct sufficient checks. Simply put : HSBC COULD HAVE PREVENTED THIS CRIME FROM BEING COMMITTED.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2016-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: College Assist (CO)

I have XXXX Stafford unsubsidized student loans from XXXX that originated under XXXX, XXXX of which has been passed on to College Assist and is now in collections. They claim that the loan is in default because their information says that I stopped going to school in XX/XX/XXXX or XX/XX/XXXX ( not sure ). As far as I know they are going to do the same with the XXXX loan as well. 

- I was in school continually from XXXX XXXX to XXXX XXXX, and I can provide documents to prove this - All my other student loans have either been or are now in - grace period, forbearance, or deferment - to this day - Not in any of their letters did XXXX or College Assist identify which specific loan they were referring to in terms I could correlate and distinguish from my other loans - When College Assist informed me by letter of their intentions to take legal action, the date of the letter was XXXX/XXXX/XXXX, and it said I had 10 days to contact them. When I did call XXXX/XXXX/XXXX I was informed I was too late and the loan had already gone into collections - There is a pattern of deception and disregard for my rights in their correspondence and actions - I sent them a certified letter stating this information on XXXX XXXX XXXX and requested they call the loan back from collections and allow them to be included with the others in forbearance or deferment. I never received a reply to the letter - They are now withholding income from my paycheck, which I discovered only through my employer. I was not served or allowed to defend the issue in court, nor have I had the means to do so at any time To reiterate ; part of the reason I did not react sooner to the letters from XXXX/College Assist was because never once did they identify the loan ( s ) in question with a comprehensible account #, original loan amount, or original loan date, making it beyond my capacity to know which of my XXXX loans they were referring to. My first inclination was to believe it was a scam. 

I am taking action now through CFPB because I only just discovered its existence, as I previously thought I had no resources to fight this issue. 

I believe I have a right to have both these loans in forbearance/deferment along with my other XXXX loans. Can you please advise on what action I can take? 

The loans in question : - XXXX - XXXX/XXXX/XXXX {$3000.00} original amount, XXXX XXXX XXXX XXXX, CO - XXXX - XXXX/XXXX/XXXX {$4500.00} original amount, XXXX XXXX XXXX XXXX, CO ( this is the one in being collected on ) Thank you.
Consumer complaint received 2018-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CT)

My mortgage servicing company escrowed too much money from my mortgage payment to cover home taxes owed to the city. Escrowed {$5500.00}, acording to box 11 of the XXXX from my mortgage company, when only required $ XXXXI 'm faxing to Mortgage servicing company statement from city tax collector indicating this fact and I'm requesting a refund of difference of over payment. I would like a review of past statements to see if previous years had discrepancies also.I 'm in the process as I write this complaint of faxing info as I've had disputes in the past with refunds with one dispute where I've had to seek the help of an attorney to resolve for which I wasn't totally satisfied after.This mortgage company has, with me, a history of confiscating money from me and leaving me bewildered as to what happened and why ... I'll attach statements..I do not trust this mortgage company to be fair.
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (MI)

In XX/XX/XXXX, I was disbursed a Federal Perkins Loan for my first year of XXXX XXXXl at XXXX University. This was my first year of three for XXXX XXXX. I subsequently transferred to XXXX University XXXX XXXX XXXX in XXXX XXXX   XXXX. I did the subsequent two years of XXXX XXXX in XXXX XXXX  XXXX. When I moved, I still had this Perkins Loan outstanding. My loan servicer is XXXX for this loan. 

After graduating from XXXX XXXX in XX/XX/XXXX, I again moved to XXXX, XXXX. On XX/XX/XXXX, I logged in to XXXX ' portal to find out that I was 60 days overdue. Not once has XXXX contacted me about my repayment options, when my first payment is due, what my interest rate is, or any other information regarding this loan. The effect on my credit report has been drastic : my score has dropped from mid to high 700 's, down to 650 's. 

On the phone, XXXX lied to my multiple times. First, I asked them what address they had on file. They responded : " XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX. '' This address does not exist. They said they've been mailing notices since XXXX of this year. I'm pretty sure the USPS sends mail back to sender if the address isn't correct. Second, I asked them how they are going to correct this. They said they are going to correct the negative credit reporting. Then, they said they can not. They are deflecting responsibility. 

There are several issues here : 1. ) I provided my address to XXXX University when I moved. 
2. ) I was never told until I called XXXX a few days ago that XXXX was my Perkins loan servicer. 
3. ) XXXX was using a fake mailing address, and they tried telling me it is a proper address. 
4. ) XXXX had my correct email address on file.

5. ) XXXX never used my correct email address.

6. ) XXXX never attempted to contact me using a correct contact address prior to my payment due date, my delinquency status, or any other repayment options.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX XXXX XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX 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, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-09-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: World Omni Financial Corp. (FL)

I signed a contract with XXXX dealership XXXX  XXXX XXXX They told me 35 months I was going to pay XXXX a month but I didnt see on the small letters they are charging me 11 % dayly of the unpaid loan Witch is XXXX Made my first payment of XXXX Principal went down only XXXX Then the payoff amount every day keeps going up I didnt know Im paying dayli interest They never told me that
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I recently disputed this charge via credit bureau. this charge was covered by Medicaid and was signed for by my ex husband. Not me I am not responsible for this debt. Commonwealth financial fraudulently purchased this as a debt. It had already been paid for. The original debtor ( the hospital ) doesnt even show this debt. They do not even have any personal identifier such as social security number.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 fraudulent, inaccurate, and false information consists of a business loan with XXXX XXXX on XX/XX/21 that is a collection with a balance of {$47000.00}. There are also several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-24
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. (MS)

I'm in still in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91XXXX506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXXXXXX Balance XXXX {$4200.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (UT)

XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$84.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$87.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$5.00} {$87.00} {$25000.00} XXXX Payments are supposed to be Interest only currently and they magically start varying even after a 31 day month. They are improperly calculating interest.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check for {$2500.00}. on XX/XX/XXXX. The funds were withdrawn from the checking account of the payee on XX/XX/XXXX @ XXXX. Chase Bank would not release the funds they withdrew for my availability until XX/XX/XXXX. I called to get these funds released and was told they had to do this manually and they could not give me MY money!