davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (SC)

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


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 2016-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Northland Group Inc (CO)

The Northland Group on behalf of XXXX continues to call. When I miss their call I call them back and they ask me to verify my address. Every address I give them does not match up so they will not give me any information on what is going on. This either fraud or a scam. This is effect my credit score any they are refusing to give me information because I my address is no the address they have on file and has never been a place I have ever lived. I can validate XXXX and any other identifying information. They are withholding information from because lack of knowledge of an address I have never lived at.
Consumer complaint received 2016-01-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Management Services, LP (MA)

At approximately XXXX on XXXX XXXX, 2016 a company by the name of Capital Management Services called a family member and left a message that they were attempting to collect a debt and left a phone number of XXXX. When the family member returned the call to find out what this was about they asked if she was a relative - they named me - and asked if she lived with me and had a phone number for me. This company has placed calls to my cell phone so they are in possession of a means to contact me. This is an invasion of privacy as well as an attempt to humiliate and embarrass.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXXXXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (PA)

Due to caregiver responsibilities for a XXXX mother with XXXX I am often away from my home for extended periods ( months even ). My mortgage lender has pad-locked my home twice in the last eight months claiming that the home had been 'abandoned. ' In the process the lender also replaced the lock which has breached the integrity of the exterior door and caused splintering of the wood ( I have pictures ). Further it was noted that the property was at risk and required 'winterizing, ' all the while I was paying my utilities ( heating, electric and water ) which were fully functional. A storm winter was broken and never repaired thereby allowing further break-in and vandalism since after breaking the storm window, the interior window was never secured. Additionally, I originally had my neighbor cut the grass and shovel snow as needed which is documented in a letter from my neighbor who did n't understand why someone else was mowing the lawn. 
Now after the second 'break-in ' by the lender, I no longerfeel safe in the property and more significantly have lost faith and face with my neighbors who do n't understand what is going on.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

This agency is attempting to collect a debt that is fraudulent from XXXX that i have ocular proof of fraud and have filed a complaint with the FTC on this fraudulent activity on XXXX and a previous debt collector and now XXXX has sold the debt as if it is valid and not corrected the fraudulent charges which were specifically prohibited by the signed contract XXXX XXXX 2009. This new agency has reported this issue as a new and valid debt and I have no contract with this agency. I have not been notified of any debt by this agency and I do not have any business with this company and refuse to do business with anyone who presents fraudulent charges as true. I never contracted with this company and have no business with them and do not intend to do business with any company that partakes in fraud by passing debt that has been proven to be fraudulent XXXX was the original creditor but they were advised and shown the fraudulent and false activity.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have XXXX accounts that are reporting incorrectly. XXXX XXXX this was shown as included in bankruptcy when I told them I do n't have a bankruptcy on my report that put it on as serious late payment history that is also wrong. 
XXXX I also have a XXXX county I called they told me I have to dispute it they refuse to investigate because if they did they would see its wrong they have done nothing and you company dose noting as well I have done this now 15 times and you have done nothing for me whatsoever
Consumer complaint received 2024-10-04
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Alorica Inc. (GA)

I started an account with XXXX to help pay down my credit card debt with a lower interest rate. They did not report to the credit bureaus and paid credit cards monthly, which I then made monthly payments on at a lower interest rate. 

XXXX suddenly went out of business and sold my debt to a collections agency called XXXX XXXX XXXX XXXX. 

XXXX was supposed to help me get out of debt and improve my credit score. Now, this is going to start showing as collections and tank my credit score. In addition, my agreement with XXXX was not a fixed year loan, but now XXXX says it is a XXXX  year fixed loan. It really doesnt seem like what is happening here is legal. 

The new company XXXX does not allow balance transfers so my options have become even more limited. 

I am afraid to make payments to this new company because it doesnt seem very legit and I believe a class action lawsuit will probably be brought against them in the future, I dont want to lose my money. I dont know what to do.
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NE)

I was working on a modification agreement with Wells Fargo, in the middle of the process they sold my home. I thought I was receiving a modification in the doorway and I received a letter stating they had sold my home. I had paid an entire years with of payments to show financial stability, which I did. When I went to make the thirteenth payment they refused the payment. I then received a modification in the mail which extended the loan thirty more years, I questioned the validity of the extension and mailed to Minnesota from the XXXX in downtown XXXX, in the envelope provided by them. I waited and waited for a response, nothing happened. I then contacted them and they said they never received the document and letter. A long time had passed and expected something to happen, nothing did. I then called them, they explained I would then again have to go through the process once again. I submitted all the copies requested of XXXX forms, pay stubs, financials, including assets and payment made each month with, taxes, expenses, debts on auto loan. Received a letter in my door stating they had sold my home, it was going to be auctioned. You can imagine my devastated mind-set. I am confused the banking industry was bailed out a few years back to stop economic devastation. Banks were supposed to work with consumers to keep their homes not to make the process a confusing mess. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( Mo ) XXXX XXXX presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My complaint is against Bank of America XXXX XXXX XXXX card. My account was compromised and unauthorized charges were on my statement. It took BofA one year to get this issue resolved after I sent in multiple documents showing that I did not authorize the activity on my account. B of A closed the card and sent me a new debit card however when I tried to activate the card to was unable to as they sent me an incorrect card. In the meantime my claim was awarded and placed back on my account. I received my new card about a week later and by the time I activated it I the money on my account was already gone. Now I was super frustrated. I called the claims department back and let them know there were multiple new unauthorized charges and I was confused as to how it happened when I just received the card in the mail that day. I then filed a new claim and sent in another police report and a report from the ftc stating I was a victim of identity theft plus other supporting documents. With this new claim after waiting XXXX to verify the reciept of my documents they told me they did receive them. I let a week go back to check the status of my claim and they next claim representative informed me there were no documents in my claim. I was confused and asked them why one of their colleagues had told me the other day they received my documents. After looking into my claim I was informed that they were attached to someone elses claim. I have also received numerous documents via email with someone with a similar name. At this point my claim was immediately denied because of their error. I was beyond frustrated and I asked to have it reconsidered. Now in this time frame XXXX had placed a block on my card due to an identity verification. I just barley got this lifted on XX/XX/year> and Bank of America will not release the funds that were placed on my card before their contract was up, and because in their system it has not updated stating that the block has been lifted, and since I just reopened my claim this is going to be an issue. XXXX has informed me that Bank of America will have to contact them to confirm that it has been lifted however Bank of America is refusing to do so.
Consumer complaint received 2024-09-03
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. (AR)

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 2024-11-22
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. (NC)

I am writing to report that I am a victim of identity theft. Several fraudulent accounts and unauthorized credit inquiries have been identified on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I formally request the immediate blocking and permanent deletion of the following accounts and inquiries : Fraudulent Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX/XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Credit Inquiries : XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2024-11-22
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. (PA)

Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.
Consumer complaint received 2024-11-22
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. (NY)

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

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MT)

I 've been seeking a mod on my mortgage since hardship caused me to fall behind in 2009. That was with XXXX. It was sent to Chase, though XXXX XXXX controls the loan. Chase has articially extended this process through forcing me to apply over 6 times. In the time passing Chase has sent me a bogus foreclosure notices, denied me due process, provided bogus numbers concerning my income that do n't mesh with those provided by XXXX XXXX, presented me with a modification that was more predatory than the original. There 's more ...
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

First, you investigation took more then 30 days. Which I have attached proof of. I recently disputed these accounts on XX/XX/year> and I received notice that you have updated the accounts as verified. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. All accounts that have been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all the names and contact information of the employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. These accounts is not any of the above adjectives. Please delete these erroneous accounts immediately or I will be looking to legal options due to your lack of accuracy reporting. 
XXXX XXXX XXXXXXXX inaccuracies- high balance, last verified, date reported, date opened, closed date XXXX - XXXX Inaccuracies- Account number, high balance, last verified date of last activity, open date XXXX XXXX XXXX Inaccuracies- High balance, date reported, date open, closed date XXXX XXXX XXXXXXXX Inaccuracies High balance, date reported, last verified, date opened, closed date
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (IL)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-09-03
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX Balance : {$62.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XX/XX/2023