davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX & XX/XX/2018 XX/XX/2018
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (NJ)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX SSN : XXXX Can you please remove the extended fraud alert off of my account. I did not want this on my account in the first place. Please remove it off of my account and DO NOT re-add it. 

Thank you! 

See attached proof.
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have received the comment back from capital one. They said that they check the ssn DOB, and address belongs to me. I will assume that yes, all those information belongs to me, if not then how are they going to open an account under my name? And the address that I used is showing on my driver license. That will be making more sense. Also, they mentioned about I make the payment under my name in XXXX account, I believe that I closed the XXXX  account before I went back to XXXX. As capital one mentions, that account also open fraudulently too. ( I will double check with BOA ). I went to boot camp in XX/XX/2019, I graduated in XX/XX/2019. We cant use our phone in boot camp, how am I gon na pay in XX/XX/2019?? That is very a very interesting question. If people have my information, they can easily open my account online easily. 
I also attached my military information below. You can See I went to military basic training In XX/XX/2019. Making a payment its not possible during boot camp.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (PA)

My wallet was stolen on XX/XX/XXXX at a undistinguished time and procedingly unauthorized transactions and withdrawls were made on my account totaling in a amount of XXXX I contacted my Bank a few days later and canceled my card and at the same time tried to make my claim but could not because I had to wait for the pending transactions to clear so I waited a few more days which is now XX/XX/XXXX I called and reported the claim and today XX/XX/2020 I received in the mail my claim was denied they did not deem my transaction unauthorized
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I am trying to settle a debt with Bank of America from XXXX. I have talked to numerous people on the phone and gotten different answers from everyone. I have offered to settle my old debt, but my offer has been denied. I was offered another settlement amount ( which is more than I can afford ), and monthly payments. The people I have spoken to said that this will not help me with my credit and will not help with me with my goal of buying a house. I have paid off all old debts, except this account, and seem to be getting nowhere with the company. I think the worst part is that I can't get them to send me anything in the mail saying what my options are for taking care of this old debt. The rep on the phone this morning ( in the recovery dept. ) said BoA doesn't send out letters. How can I possibly resolve this old debt and rebuild my financial life when I'm getting so many different answers and can't get anything in writing?
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XX/XX/2020 our loan was sold to Specialized Loan Servicing ( SLS ). 
Per the terms of the note our interest rate was to be changed in XX/XX/2020. 
We have repeatedly called this company and nobody has a clue as to what to do as you can only speak to entry level data personnel. 

We need to get help as they are in breach of our contract. 
Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GM FINANCIAL located at XXXX XXXX XXXX STE XXXX XXXX XXXX, TX XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I previously sent 3 dispute letters to Experian asking them If it's not too much trouble be prompted this is my THIRD WRITTEN REQUEST and FINAL WARNING that I completely expect to seek after prosecution as per the FCRA to uphold my privileges and look for help and recuperate every single money related harm that I might be qualified for under Section 616 and Section 617 with respect to your proceeded with resolved and careless resistance. 
Notwithstanding two composed solicitations, the unconfirmed things recorded underneath still stay on my credit report disregarding Federal Law. You are required under the FCRA to have a duplicate of the first  lenders documentation on record to check that this data is mine and is right. In the consequences of your first examination and ensuing reinvestigation, you expressed recorded as a hard copy that you " confirmed '' that these things are being " accounted for effectively ''? Who confirmed these records? You have NOT given me a duplicate of ANY unique documentation ( a customer contract with my mark on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) (  A ). Besides you have neglected to give the strategy for check as required under Section 611 ( a ) ( 7 ). It would be ideal if you be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " instantly DELETE all data which can't be confirmed. ". In the dispute results Experian responded back for the past couple of months, telling me they are not going to reinvestigate until I send them more information about the student loans and medical account. These following accounts needs to be deleted because Experian couldnt validate these accounts : US Dept of Ed : XXXX, US Dept of Ed :  XXXX, US Dept of Ed : XXXX, US Dept of Ed : XXXX, XXXX XXXX : XXXX
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

About seven month ago XX/XX/2019. I purchase a sectional from XXXX XXXX XXXX in XXXX Florida, I did my financing through the company they used called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid my loan on time every month and made the decision to pay it off in full before the time allowed. I made my last payment in XXXX of 2019. I applied to my mortgage company to refinance my home, they informed me that I had an open account with XXXX XXXX for {$1900.00} reporting to Trans Union with a balance of {$420.00}. 
I contacted XXXX XXXX on the XXXX of XXXX of this year and spoke to three different supervisors by the names of XXXX, XXXX and XXXX all at different times in an effort to have this error corrected. Nothing has been done to date. I asked to speak to a manager and was told they did not have one for me to speak to they can only send a ticket to the manager to address the matter. I find it troubling that no manager is available at this company to address consumer complaint.
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth Financial - {$660.00} for a medical debt from when we lived in Texas. We have not lived in Texas since XX/XX/XXXX. So the account open date on this one is WAY off saying it was opened in XXXX. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2020-06-09
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I have a complaint with PHH mortgage. I had a modification approved months after a request near the end of XXXX. I was told it would take 30 days to complete and then enter a 90 trial and then 30 days from there to have a finalized payment. 

I believe in XXXX or XXXX of XXXX I applied for a modification which was approved in XX/XX/XXXX. I made my 3 months Trial payments and then was instructed that they would finalize paperwork within 30 days for new mortgage payment. Took about 6 months for that to complete and the whole time ( about a year ) I was listed I was in default although I only was behind 2 payments when it all started. Regardless, I made each single payment since the trial payment and I was called about 6 months ago stating I was late one month. I have proof of all payments and have talked to loan experts and managers agreeing that something looked wrong on my record. Fast forward a few months and I am still in the same position, being harrassed for payments and have been charged for late payments. PHH has been the worst experience I have had. And I feel like this is going to keep going. I want my mortgage to reflect correct payments, my credit to reflect the correct information and be refunded for all the late charges. Please help. Thank you.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX  XXXX XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( Experian  ) Incorrect Address : XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX   ( XXXX  ) Incorrect Name : XXXX XXXX ( XXXX   ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX   XXXX  2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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


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

I demand the late payment reported to be removed.

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.

TransUnion 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 2024-09-12
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Certified letters to validate or provide proof of the debt were mailed XXXX XXXX, 2020 to XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-10-23
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. (CA)

Experian is not offering a credit report onine and there is not an employee available to answer questions or help. Their phone is onloy automated. 



The corrections have not been made on the report.The staff is not trained in credit llaw or state licened.
Consumer complaint received 2024-09-11
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (IA)

EOS CCA collected money on a debt that XXXX said I had, but I did not have. I paid it to get rid of both companies. However, last week I was notified of the class action lawsuit filed against XXXX and also found out that XXXX lost. I am a member of that class because of this debt that was not owed.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (PA)

On XX/XX/XXXX, I received a call from a number identifying themselves as a representative of XXXX XXXX XXXX XXXX asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with XXXX XXXX sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me. 

I did not receive a response within 30 days nor have I received any response thereafter, and I allowed XXXX XXXX an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks. 

However, I received a letter on XX/XX/2020 from a group identifying themselves as CBE Group trying to collect the same debt. I am initially concerned that XXXX XXXX is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put XXXX XXXX on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with CBE, taking additional time and money. 

This complaint was further motivated by a call I just received today ( XX/XX/2020 ) from an individual identifying them self as a representative of CBE from phone number XXXX XXXX. This individual began trying to confirm my identification by listing part of my social security number and address without first confirming my identity. I told him that I was uncomfortable continuing the conversation and that all future communications should be by mail. I am VERY concerned that my personal information is being misused and may easily fall into the hands of others. 

I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, my personal information is potentially being compromised, and I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.