davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
UPSC tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-10-20
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)

XXXX : * Ive began to look to obtain a house XXXX in did a Cerdit review report in notice the there has been some fraudulent accounts in activity on my reports my company I use to work for. also a victim of a data breach within that year for the XXXX  off the account in questions this were i believe my information was stolen i. misuse due to the breach description with snap on XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

On XX/XX/23 I contacted Equifax and XXXX to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the agencies representatives that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representatives told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representatives that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representatives by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representatives made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.
Consumer complaint received 2018-04-25
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. (TN)

XXXX and my divorce started in XX/XX/XXXX. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX Filing false XXXX   charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX  and XXXX  bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been XXXX for harassment, tried having me beat up/and or XXXX  by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was wiring a money for a watch that was advertised on XXXX Called XXXXXXXX XXXX  for a watch for {$1500.00} When I send the money after 4 days he replied that the watch I wanted was sold and said he will give me another watch which is {$4500.00} but will give it to me for {$3300.00} since he missed up the deal on the first one. On XXXX XXXX I send {$2000.00} to complete the {$3300.00} since I already paid the {$1300.00} after 3 days I can not communicate to the person anymore.
Consumer complaint received 2023-10-20
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX  XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX 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 credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

The Debt Collector ( Name XXXX  ) called and pretended to be a Lawyer and send garnishments to Banks where I have no Account with They also threatened to garnish my Temporary total XXXX i receive from a XXXXXXXX XXXX XXXX  as my only Source of Income! This behavior is totally against the Law and they cause me a lot of additional Health issues And I want to press Charges against the Individual that called me plus the Collection Agency XXXX XXXX XXXX Rash Curtis and Associates
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I borrowed {$3000.00} from the XXXX XXXX whom I have done buisness with upon occasion as life happens. They have been really awesome and super friendly every time I have been there. 
I depositied the check for XXXX dollars on XX/XX/19 into my Bank of America account at the teller. I wanted to cash it but they said I had to deposit it and the funds would be available to cover debits made that day and cash withdraws the following day. I aggred to deposit the check. I checked my app later that night and it showed the deposit of XXXX $ available to cover transactions made on XX/XX/19 and available for atm or cash on XX/XX/19. The morning I logged in to check my funds before setting off on buisness and there was {$3000.00} placed into my account and then taken back out and a hold placed on the funds until XX/XX/19. I have been a bank member for a long time and I have regular deposits of 6-15 thousand over the last 2 years. 
I called the bank and they said to call back after XXXX to talk to someone who could help. I called back and they told me that the hold was most likely an issue with the check or that the other bank had not released the funds. I called the XXXX XXXX whom issued me the check and asked them to verify that there was no issue on their end with the check.The XXXX XXXX said she spoke to corprate headquaters and that the check and funds are good and available. 
I called Bank of America and got another person who could do nothing, so I asked to speak to a supervisor. The supervisor called the department that handles risk and they said that due to the check being XXXX $ and the fact that the Bank that issued it had previous returns they would not release any of the funds. 
This is outragous as the money in question is less then 5000 and I have deposited checks from this bank/loan company before. The fact that the teller lied to me and then the system showed it in writting before the hold was placed is down right criminal. Now I have no money and will have to pay a finacial charge on a loan I needed yesterday but can not use for 7 more days.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX  is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting bureaus.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (WI)

Good afternoon, We're contacting you, in the hopes that you will assist us with our loan modification with Selene Mortgage. 

The core of our issue revolves around the fact that in 2017, we filed a Chapter XXXX bankruptcy and, as part of the settlement and trustee payments, they totaled in excess of 50 % of our monthly net income. This put us in a serious bind from the start. Not only that, but almost a year into making our payments, we learned that I was pregnant again.. the cost for doctor visits/prenatal care, kept mounting and eventually caused us to default on our bankruptcy payments. 

To make matters worse, my husband suffered a temporary job loss which backed us up even farther. Fortunately, our income issues have been resolved - both my husband and I are working and earning more than we were prior to 2017. 

We have been actively trying to resolve this issue with Selene, as the mortgage payment was removed from the bankruptcy settlement back in XXXX. We've been trying to resolve this, with no cooperation or assistance whatsoever from Selene. 

We've resubmitted a new loss mitigation package - that file was received on XX/XX/XXXX - and marked complete on XX/XX/XXXX. There is a sale date set for XX/XX/XXXX on our home and Selene has reminded us that they will not stop the sale, as they have a 37 day window that paperwork must be submitted by. 

Given that we weren't aware that they were filing a motion for sale and that's motions for sale are received, roughly, 30 days prior to the event - there's absolutely no way that we could logically have gotten the documentation to them in time.

We are asking that you step in and request that Selene postpone that sale, in order to properly and thoroughly review our situation for modification. XXXX and my husband are available anytime how to discuss this with you and our numbers are included in this complaint. Thank you so much for your help! 

XXXX and XXXX XXXX
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting bureaus.
Consumer complaint received 2019-11-14
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS REMOVE OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Didn't receive my XXXX security service promotion for XXXX dollors made a payment for a {$100.00} that was not credit my card was stolen i never received another card i call over 50time every the problem was solved but that trasfer me to different departments no answer for removing the bill XXXX  conside it to be fraud and it was a XXXX balance
Consumer complaint received 2018-04-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (GA)

On XX/XX/XXXX i received a letter from my second mortgage company, GREENTREE, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX  XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from XXXX XXXX XXXX that Ditech ( formerly Greentree ) had transferred the right to collect payments from me to XXXX XXXX XXXX ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known realtor in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit. 
On XX/XX/XXXX i received another letter from XXXX XXXX XXXX that Greentree told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) Greentree did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that Greentree did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ... 
any assistance will be greatly appreciated!!!
Consumer complaint received 2019-11-14
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)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (WA)

XXXX XXXX, XXXX. 
In XX/XX/XXXX I bought a home in an over-55 development and took out a bridge mortgage until I sold my other home. 
The original mortgage was with XXXX XXXX, who then sold it to XXXX. I was notified on XX/XX/XXXX. Then, I was notified that LoanCare LLC would begin collecting my payments on XX/XX/XXXX, and thereafter. 
The sale on my original home closed XXXX XXXX and on that date, I sent a FAX to LoanCare LLC asking them to please send me the amount of the payoff effective XXXX XXXX and my bank would wire the money to them. 
To this date, I have not received a quote. The most recent email from them, dated XXXX, said : Please note duplicate inquiries may prolong your time for resolution. And lastly, Please allow 3 business days for your payoff quote to be processed. 
I filed a complaint with the XXXX XXXX XXXX and on XXXX XXXX they forwarded a letter from XXXX XXXX, who says he represents XXXX. He has instructed LoanCare LLC to investigate my concerns. Ive heard nothing to date.

Im sure that a substantial amount of interest has built up, which I do not feel I should have to pay considering I have done everything correctly and in a timely manner.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Mortgage ; Loans XXXX, and XXXX We paid these loans IN FULL ON XX/XX/19. However, WF has REFUSED TO NOTIFY THE CREDIT REPORTING AGENCIES!! Instead of showing a balance of XXXX, the credit reports still show an incorrect balance of {$97000.00}. We have contacted Wells Fargo 's mortgage service line numerous times without success. This credit problem is PREVENTING US from pursuing other, essential financial transactions. PLEASE HELP!!!
Consumer complaint received 2024-10-18
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. (IL)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
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. (NY)

ATTN : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Or XXXX XXXX XXXX XXXX, VA XXXX Re : XXXX XXXX XXXX Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX