davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
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. (OH)

I am writing to request the removal of specific information from my credit file. I have attached a XXXX document detailing the items that need to be deleted. I am a victim of identity theft and have discovered multiple accounts and inquiries on my credit report that I did not apply for. 

To support my claim, I have reported this identity theft to the Federal Trade Commission and enclosed copies of the report. I kindly ask that these inaccuracies be removed from my credit report to ensure it reflects only accurate information. 

Please block this information in accordance with Section 605B of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response.
Consumer complaint received 2024-10-12
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. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-06-01
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. (TX)

All  XXXX  credit reporting agencies are ignoring disputes trying to correct my reports. I am getting " results verified '' within days of submitting the disputes. There is no way they have verified anything.  XXXX  Item has been closed since  2014  but has started to report late payments every month. Others have incorrect dates that are critical for home loans. There are  XXXX  or  XXXX  different scores from each and they are all different. I need help
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-23
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: EQUIFAX, INC. (FL)

I was a victim of Fraud someone was using my name and personal information to open up an account in Ohio I have never done any business with the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX please remove these account from my credit report and sent me an updated credit report. This is the 2nd time I have filed a complaint on this issue. I would also like the fraudulent addresses removed from my credit file as well. My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX, My SSXXXX My DOB is XXXX, please delete/remove any other address from my credit report Never lived at XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX TX  XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXXXXXX.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

This financial institution NationStar Mortgage LLC, has sued me in a foreclosure in which I have asked for a validation of that debt in which the institution assumes to be the representative of XXXX XXXX XXXX   XXXX XXXX, Trustee, on my property which I have asked to be the institution supposed to be the account creditor, I have requested, as you have obtained this note and mortgage, I want your department to intervene in questioning the operation of this financial institution NationStar Mortgage LLC, since this institution was fined in the past by your department for numerous federal and state violations regarding the procedure of becoming account owners in an inappropriate manner, not following the federal laws and regulations of the finance department that requires you to comply with the law, such as RESPA, TILA, where the procedures for obtaining consumer accounts and respecting all procedures must continue to apply. established by federal law of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP (IN)

I received a text message from XXXX XXXX on XXXX XXXX, to " discuss mortgage options ''. I wrote back asking how did you get my phone number. I wrote, " I do n't know GSF. Are you a mortgage company? Where are you located? 
XXXX XXXX wrote back, '' Did you go anywhere online requesting mortgage info? I 'm physically located in Michigan. But I 'm licensed on a state and federal level in Indiana. Actually do more business there than any other state. GSF Mortgage is a private direct lender. We have an A+ rating with the BBB and have been in the industry for over 20 years, so we made it through the worst of times in the industry. '' On XXXX XXXX, XXXX, we spoke via telephone, I gave XXXX XXXX my social security number, and I informed him that I did not want my credit score to decrease by him looking at it. He stated that he will do it a way where my credit score will not be affected. My credit score did drop my 10 points, after XXXX XXXX looked at my credit score. 
On XXXX XXXX, XXXX XXXX, sent me a email requesting that I submit, my drivers license, social security card, two years of my W2 and tax returns and a month supply of my most recent pay check stubs. I submitted every item to XXXX XXXX via his email with GSF Mortgage, except a month supply of pay check stubs. I sent him a copy of the most recent pay check stub I had available. 
XXXX XXXX wrote back, noting that he needed my signature and my pay check stubs. 
I wrote to XXXX XXXX, informing him that I do not have any pay check stubs and to set up his computer system for signatures. I also requested no fraudulent activities with my personal information. And why he needed a copy of my social security card. 
XXXX XXXX wrote back, noting that Uncle Sam and the Patriot Act request that GSF Mortgage company request a copy of my social security card. I wrote back to him twice, asking for his manager, CEO phone number and address. I have not received GSF CEO phone number and address, nor his manager 's phone number. 
By the way, XXXX XXXX, wrote that I have been approved for a conventional loan, but he wanted all of my documents for the underwriter. 
I have been sickened and worried about my social security card/number and drivers license in the hands of XXXX XXXX, GSF Mortgage company. No company that I have ever worked for, has asked me for a copy of my social security card and drivers license. 
Sincerely
Consumer complaint received 2017-07-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX AS TRUSTEE XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Select Portfolio Servicing Notice of Default XX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify HSBC BANK US TRUSTEE headquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful. 9. Any insurance claims been made by any creditor regarding this account. 
10. Any Judgments obtained by any creditor regarding this accou
nt 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13.  Explain Select Portfolio Servicing 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. <P/>If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/><P/><P/><P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On  XXXX   XXXX ,   XXXX  , I called  XXXX   XXXX  Tech support for assistance with my PC. The call was hacked by  XXXX  Tech Support. They said  XXXX  had hired them to facilitate all tech support. I paid the {$370.00} for  a five year Plan.  When I called in a few months later, I was told that  XXXX  was out to business. I called them, several times-no success. Then I looked on line to find that the State of Washington 's Attorney General had filed a class action lawsuit for fraud. I called Bank of America. They refused to refund me ; after I showed them the lawsuit ( online/copies ). Consequently, I filed a claim the the Attorney General of Virginia. I was told by Virginia that they could not reach  XXXX . So they put the claim in a pending file. Why would a fraudulent company answer there phones?? Not likely! I had to purchase another antivirus service.     Is there any way to recover my lost funds? Here is the website :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   Please email me at :  XXXX  XXXX  XXXX
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

On XX/XX/XXXX I opened a new Checking account with Key Bank. I had recently moved upstate NY from the city. Two weeks later, the same branch manager that opened my account closed it with no type of notice. I found out my account was closed when I was trying to take money out of my account at an ATM. <P/> XX/XX/XXXX is the day my account was closed and a check was sent to my address with the remaining funds. Customer service over the phone told me there was no reason why my account was closed and I 'd have to ask who opened it for me. On XX/XX/XXXX, I called the bank and the branch manager had me come in to file a declaration of loss. He said he 'd send out a second check now that I 've stopped the first one. On that same day, I clarified if I did not get this second check, what would be the next step? He told me at that point he 'd be able to " emergency release the funds. '' Each time I visit this location I learn something new about my account. When I went to the branch on the XX/XX/XXXX, a representative said my account was closed because I did n't give proof of residence via mail. I was never told this information nor did I get this letter requesting my new address. On the XX/XX/XXXX, the representative told me I had to wait 90 days after my first check was dispersed. Why then did I have to go in and sign a declaration of loss if it did n't speed up ANY process? <P/> It is now XX/XX/XXXX  and this check is still nowhere to be found and I continue to get the run-around. I plan on going back to the branch this weekend in hopes the manager is there since he was n't both days I went in this week.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Tunderstand that acording to fedeal Law 15 .5. code 16513 ( 2X41 ), a corsune report does aor 2926 information solely as to transactions or experiences between the consumer and the person making the payment 1 also understand that according to federal law 15 U.S. code 1666b ( a ), a crediter may not payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.C 1681 section 602 A. States I have the right to privacy.

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 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 item 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 2017-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In association with the following cases : cfpb : XXXX ; XXXX ; Legacy # XXXX, against 53 XXXX, 53 Bank ( subsidiary ), Board of Directors of 53 XXXX, Executive Officers of XXXX, Pay Other People website aka XXXX Online Bill Pay Funds and 53 Bank XXXX XXXX. I made necessary corrections in what was sent to you on XXXX/XXXX/XXXX. I have angst and a loss of confidence. I know about meeting elements in a cause of action. I failed to do so because I am under extreme duress and financial deprivations. Today, XXXX/XXXX/XXXX, I mailed to XXXX XXXX, Office of the President of XXXX Bank, and cfpb the COMPLAINANT 'S REPLY AND EXHIBITS AND MEMORANDUM OF LAW TO THE REPLY, AND THE COMPLAINT XXXX XXXX, XXXX AND EXHIBITS. My postage was {$1.00} more. XXXX {$7.00} and cfpb {$2.00} for $ XXXX $ XXXX {$1.00}. I made the adjustments to the REPLY. I also highlighted three important elements that I was not specific about in previous documents. Thank you for the opportunity to make an amended Reply and Memorandum of Law to the Reply, with changes in the cost. 

The Complaint XXXX XXXX, XXXX is not on my Flash Drive and I could n't wire it. I did mail a copy and exhibits with the documents mentioned above.
Consumer complaint received 2017-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (WI)

I have this debt collection on my credit report for a long time. At the beginning I did n't pay attention to it because I knew I did n't owed it. They have contacted me letting me know that I did n't return a router to XXXX that I was supposed to when I close my account. I moved from New York back in 2012 and I personally returned the router to their office in XXXX XXXX in XXXX. I had previously contacted XXXX and let them know about me moving ; they told me all I had to do was to return the router, and pay any balance in full, I did so. Right now I decided that it was time for us to buy a house, but I have this negative and false report that is affecting my credit worthiness.
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery has added a charge off to my account that I do n't recognize. I have already tried to dispute this matter through all XXXX credit bureaus. However the credit bureaus has failed to send information back to me proving the account. The amount was for {$820.00} I have been a victim of Idenity theft. The credit bureaus are in violation of the fair credit reporting act because they have failed to remove this and prove that this does n't belong me
Consumer complaint received 2017-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I do not know the source of information due to this but the contract for the collection that was place from NATIONAL CREDIT SYSTEMS, INC ( XXXX XXXX XXXX ) Acct # XXXX. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

1. Shell credit Card / Citibank ( South Dakota ), N.A. Shell billing Statement XXXX XXXX, Card ... XXXX, added {$27.00} Fees Charged. Shell Representative, XXXX, XXXX, on XXXX, stated my payment was 30 days late. It was mailed XXXX XXXX, XXXX. She could not delete a late payment. I have been with Shell sense XXXX, with no previous problems. Request late payment be deleted and credit my account and no effect on my credit rating which is over XXXX. Shell Consumer Payment Dept., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KY. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX TX XXXX CiTi Card XXXX Shell Card XXXX Thank You, Senior Citizen, XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX  XXXX. XXXX XXXX