davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-01-14
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. (GA)

In Accordance with the Fair Credit Report Act This Creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose {$6000.00}
Consumer complaint received 2023-01-14
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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. 
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 2023-01-14
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau : Complain I would like to complain about my international wire transfer at TD bank branch located at XXXX, CT. I went to the bank on Saturday XX/XX/2019. I wanted to sent XXXX XXXX USD to my mother in XXXX. While at the bank I pointed out clearly that I wanted my mother to receive US dollar the same currency that I was sending. The bank employees confirmed that yes the money will be received as US dollars in a foreign account. I even double checked it with the XXXX CT branch manager XXXX. 

On Tuesday XX/XX/2019 I was informed that the money was received in my mothers account in the bank in XXXX. But unfortunately the money that was received was not in US dollars but instead in Polish zloty ( PLN  ) currency not as agreed. Because of this the money form the wire transfer was converted in banks exchange rate which was lower that the common exchange rate that I could get outside the bank, because of this conversion a great deal of money was lost. I believe that it happened because of some mistake that happened when the money was wired out of the TD bank. On Thursday XX/XX/2019 I talked with XXXX XXXX and XXXX XXXX the employees of the TD Bank in XXXX about this wire transfer. They said that they set up the transfer correctly so that my mother would receive US dollars. They could not explain why it happened they suggested that the recipients bank account bank account was not a US dollar currency account. This is not true the recipients bank account is a US dollar currency we transferred USD money successfully in the past from a different bank account and we never experienced problems like this in the past. 

Well, the main point is I not happy with the service that I received at TD Bank branch in XXXX CT. The people lacked the professionalism and courtesy that I expected form banking professionals. I feel I was misguided. Please tell me what can be done to resolve this matter and solve this problem. I willing to answer any questions you may have. 

I am looking forward to your reply. 

Sincerelly, XXXX XXXX
Consumer complaint received 2019-06-11
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

Lanier collection accounts {$140.00} {$77.00} {$200.00} {$110.00} {$37.00} {$7.00} {$51.00} There are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-01-14
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: WELLS FARGO & COMPANY (IL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Made numerous requests to have incorrect information removed. 

In Accordance with the Fair Credit Report Act This Creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2019-06-11
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 — Was not notified of investigation status or results
Company: Eastern Account Systems of Connecticut, Inc. (AL)

I have tried to request information on a particular derogatory account listed on all 3 credit reports for the past 3 months and have not received anything from the company nor the credit bureaus. I do not recognize it so I asked for a debt verification and never received anything. I've sent out a letter monthly to the company as well as XXXX, XXXX, and XXXX and have not gotten any type of correspondence. There is an account listed by a collection agency called Eastern Account Systems in the amount of {$310.00} and {$86.00}. I do not know who they are. I do not mind being held accountable for a debt, but at least show me that you have proof of ownership on these alleged debts. I have also provided a screenshot the date on the word documents for proof to show when these letters were typed.
Consumer complaint received 2019-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC (NV)

Received a voice mail from XXXX phone number XXXX where it implied that further measures would be taken. Verification of employment implies that possible lawsuit and garnishment would happen. I believe this practice is abusive and should not be done as such.
Consumer complaint received 2019-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EXCEL FINANCE COMPANY (TX)

My husband and I are 30 days to less than 30 days past due on a loan. However, we continue to pay our installment payment every month. They will call our cell phones, email me and when they can't get a hold of us they will call both of our jobs. 
I have advised repeatedly, that we can not be reached because of the nature of our employment ( XXXX XXXX XXXX ), nor can we receive personal calls at work. I have advised through verbal and written statements to stop calling our employers, yet they continue to do so. I have advised also that they may call our cell phones, email me or send letters to our address, but to cease and desist calling our jobs. It is unnecessary, especially when they have alternative ways of contact and they are still receiving a monthly payment. Although, this has happened on several occasions, the most recent occurrence was today XX/XX/19 when I answered a call from a representative ( I am off during the Summer ) and told her the date we would be in to pay it this month. My husband about two hours later calls me on his lunch break to inform me that they left a message with the charge nurse to call.  We are aware of our past due status and have advised them until we can make a double payment we will continue to make one payment every month. They have offered to do a deferment. but we have declined due to extending the loan and adding more interest. We are trying to pay this off. Bottom line, I have advised this to several representatives verbally and also in written form so it is not as if we are not aware.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

After requesting three times to have no more phone calls until these XXXX   resolve the complaints I received another phone call on Tuesday XX/XX/2019 at XXXX from XXXX after three times telling them I want no more phone calls and asked to have my number removed on three calls previous they have failed to do so and now today 6-11 they are just running the message until it cuts them off saying nothing. More XXXX from these XXXX.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I attempted to pay my mortgage with Ocwen via the phone as I usually do. Unfortunately, their automated system does not recognize my phone number, loan number, nor does the alternate option of inputting my social security number and zip code work. I have tried multiple numbers of Ocwen so I can make my mortgage payment and to no avail I am put on hold for 30 to 45 minutes before the system hangs up on me. I just want some assistance from Ocwen so I can make my mortgage payment on time before the XXXX without concern of being late. I just need to pay my mortgage, which you would think Ocwen would be happy to take from me.
Consumer complaint received 2019-03-08
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: CAINE & WEINER COMPANY, INC. (OH)

I was alerted by Caine & weiner collection agency located in XXXX XXXX, CA by XXXX XXXX that a debt was placed on my credit report XX/XX/2018. They never sent me a letter. When I asked for a copy of a contract that I supposedly signed. They decline to send it. Or provide proof I owe this bill for {$540.00}. I was a victim of identity This is not my bill. I want it off my credit report. All my debts I owe are paid on time. I have XXXX  for car insurance not XXXX  and they dont have no proof that I owe this cause I dont owe this bill. It was a part of a identity Theft issue.
Consumer complaint received 2023-01-14
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. (MO)

I have reached out by email as well as mail requesting them to remove my info as well as not provide my personal information to experian. As they did not notify me of them providing my info to this credit Bureaus I do not consent for them to share my personal information. Date XX/XX/2023 To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from ( experian ) .lied about verifying this bankruptcy with the courthouses as they collect their information from a third party and that is a violation of the Fair Credit Reporting Act ( FCRA ). As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Please respond to me in writing once this removal has been completed. Sincerely, XXXX XXXX
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (TX)

SunTrust Bank wrongfully reported a late payment and delinquent account status to the Credit Reporting Agencies for our home mortgage account, which destroyed mine and my wife 's credit scores, taking my own score from an excellent rating of above XXXX to a poor rating below XXXX in a single month. In our annual escrow account disclosure statement SunTrust informed us our new monthly mortgage payment would be {$2600.00}, effective XX/XX/2019, if we paid an amount of {$2100.00} that they determined to be a shortage in our escrow account based on their estimate of what our escrow expenses would be in the coming year. We decided to pay that amount in full in XXXX of 2019 after we received our tax refund. We paid {$2600.00} on time in XX/XX/2019 and SunTrust deposited the check. On our next mortgage statement SunTrust reflected the {$2600.00} as being held in suspense until our escrow amount was paid in full, which we planned to pay in XXXX of 2019. In early XXXX of 2019 we submitted another on-time mortgage payment to SunTrust in the amount of {$2600.00} and SunTrust deposited the check. Our plan was to submit the the escrow amount in the coming weeks, but we learned that on XX/XX/2019 SunTrust had reported our account to the Credit Reporting Agencies as delinquent, despite depositing our two previous checks, and despite communicating to us the amounts we paid would be held in suspense. When we called to inquire we learned SunTrust was mailing us checks back for the amounts we paid and they deposited, contrary to their prior communication that those amounts would be held in suspense. By the time we received 2 separate checks in the mail and then mailed SunTrust back the total amount they claimed they were immediately owed it was XX/XX/2019. We requested that because this was the first time we ever had an issue with our mortgage account, and because we put our account in good standing in a timely manner, and because we otherwise had a perfect credit history, that SunTrust remove the late payment they reported, and cease to classify the account as delinquent, but they refuse.
Consumer complaint received 2019-06-11
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. (ID)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX   XXXX XXXX ;
Consumer complaint received 2019-06-11
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. (ID)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX**** ; XXXX/XXXX   XXXX**** ; IXXXX XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX XXXX**** ;
Consumer complaint received 2019-06-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I requested verification under federal law asking XXXX, Equifax and XXXX  to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.