davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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: Experian Information Solutions Inc. (IL)

It has been fraud and theft on my credit reports, please provide a fraud alert to my accounts and require new inquiries to contact me before issuing new credit and remove all inquiries that over the last 24 months that didnt produce credit. My employer informed me that my identity was stolen and a false unemployment claim was created in my name. My identity was stolen in the past also and credit cards. I informed XXXX Police Department of the most recent theft today. Please remove remove XXXX XXXX  and XXXX XXXX MasterCard from my credit reports also. As a minority in this country I dont feel my identity is protected or credit profile correct. I will provide all information thats needed thank you. Im afraid of all the fraud, I have requested help in the past and havent received any relief and it continues to be a breach my identity.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (PA)

To CFPB - Harassment Complaint - XX/XX/XXXX Since XX/XX/XXXX, for no previously communicated or otherwise known reason, I have received 23 harassing, debilitating, debt-collecting recorded telephone calls ( averaging one or more per week ) from Harris and Harris, Debt Collectors, XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. And since I have been debt free for several decades -- e.g., zero credit card interest ; by-the-book sale of my home of 25 years in XXXX, XXXX, with no lose ends -- the initial legal guidance requested suggested that I not answer the calls as they were likely a mistake. 
-- 23 calls - XXXX XXXX -- XXXX ; XXXX -- XXXX ; XXXX -- XXXX ; XXXX -- XXXX ; XXXX XXXX -- XXXX. 
Eventually, I did call Harris and Harris back several times, and received a short recorded message before the call was transferred and got : ( 1 ) disconnected ; ( 2 ) " No one is here to take your call. Goodbye! '' ( 3 ) silence. 
Again, I have received NO NOTICE of specific debt re : this matter before or during this nearly one half year marathon by Harris and Harris of poignantly painful calls, coming from a debt collecting company that continues to get an A+ rating from the XXXX XXXX XXXX of XXXX , IL despite as many as several dozen consumers mistakenly ( a tweaked algorithm? ) contacted annually. 
Yours sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, PA XXXX, XXXX.
Consumer complaint received 2021-01-25
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. (GA)

Continuously getting misleading feedback on the accounts being reported on my profile WITH ALL errors POSTED. I HAVE ALREADY FILED A COMPLAINT TO THE FTC OF THESE DECEPTIVE PRACTICES OF XXXX. 
These Accounts are DECEPTIVE & IN STEPS TO CIVIL LITIGATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (IN)

I called the company after reaching out to the XXXX XXXX I spoke with XXXX one of the managers there and she told me that I had a balance of XXXX and that I should not have to pay a collections agency and that as long as I send it to them that amount would be removed. I called them and spoke with XXXX sent over the information that was sent to me and he became defensive when I told him that XXXX told me that they would need to reach out to XXXX XXXX. When I finally got to XXXX I was crying and in hysterics and he began to attack me. He verbally abused me over the phone and when I try to get his first and last name he smugly told me bothHis first and last name and begin to verbally abuse me again.
Consumer complaint received 2021-01-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-25
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. (NJ)

HI I have some items on my credit file that is on their and I need deleted. I seen these items on my report. I am also am a victim of identity theft. And these things on my report I did not charge or open. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I will hope you remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. I am father of XXXX kids and these fraudulent items will hurt me to provide as father. so please help me while I move froward with helping my family thanks
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (TX)

I received a letter from my county tax office on XX/XX/XXXX stating my property taxes have not been paid. I have an escrow account with my lender to pay for the taxes. I have tried to contact my lender, Gregory Funding, on 3 separate occasion ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to no avail. Wait times have ranged from 45 minutes to over 2 hours, which is time wasted because no one ever answers the phone. This exact situation also occurred last year. I have no idea how or why this company is still in business with such horrible customer service.
Consumer complaint received 2016-07-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Months after receiving service at a local ER, I paid the bills and moved on. I was then contacted by the business mentioned in this complaint, who stated that the hospital had never received the payments. 

I provided the collection agency with multiple copies of proof of the payments, including faxed copies of the check images from my bank, but they refused to close the case and instead attached a collection notice to my credit report.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am filing this complaint against Portfolio Recovery Associates and their continued violation of The Fair Credit Reporting Act. I am attaching a letter they claim was sent to me several years ago. First, I have never lived at the address referenced in their letter, hitch I am attaching to this complaint. Clearly Portfolio Recovery Associates did not read my complaint to the CFPB nor did they read the attachments submitted with the complaint. Clearly I have filed a dispute regarding this alleged debt as the attached letter submitted on XX/XX/2021 states. Additionally, I am attaching a notice of a lawsuit filed against XXXX for engaging in the very same misconduct that Portfolio Recovery Associates is engaging in. Fir the record, my previous complaint specifically requested certain documents to be produced or provided to me under Section 609, 611 FCRA. The request was clearly stated in my previous complaint of record with the CFPB. Portfolio Recovery Associates can only supply a back dated letter purportedly sent to an address I have never lived at. So clearly Portfolio Recovery Associates has not complied with Section 609, 611 FCRA, a fact which they admit to in their response. Please clearly read the attachments to this complaint and comply with Section 609, 611 FCRA in addition I make formal demand for Portfolio Recovery Associates to comply with Section 609, 611 and 623 of The Fair Credit Reporting Act. If there are any questions regarding this please refer to The Fair Credit Reporting Act and the requirements of Portfolio Recovery Associates and the fact that despite being noticed under Section 609, 611 FCRA they have failed to comply. Please see the attached notice of The Federal Trade Commission Lawsuit Against XXXX and the requirements of a furnisher of credit reports under The Fair Credit Reporting Act.
Consumer complaint received 2021-01-26
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. (CA)

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, XXXX Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 


I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8XXXX XXXX XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX/XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I bought a new truck on XX/XX/2020 I told the dealer who I was getting my financing thru and I have several hard inquiries on my report I contacted capital one auto finance and I talked with XXXX and I explained they did not have permission to pull my credit they said the dealer had to remove the inquiry I told him the dealer did not put the inquiry on my credit and he hung up the phone on me
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (LA)

My name is XXXX XXXX, a consumer who recently saw a alleged debt on my credit report from Transworld Systems. I have never been in communication with this company about alleged debt and I never gave them approval to have my information or to furnish anything on my credit report. I recently sent a debt validation letter to the company in regards to whats on my consumer report and I have no received a response.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Incorrect information is showing on my credit report far as my address they have XXXX,XXXX, XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX. but my address is XXXX
Consumer complaint received 2021-01-26
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. (NJ)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account.
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (FL)

The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account.
Consumer complaint received 2021-01-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2021 I applied for an auto loan with NFCU. On XX/XX/2021 I received a call requesting that I lift a credit freeze on my credit bureau ( XXXX XXXX ). I lifted the freeze at there request, as was declined for the auto loan. I followed there appeals process after speaking with a supervisor XXXX. I was informed that a second credit bureau pull would NOT be required. XXXX transferred me to a specialist who read me a disclosure indicating that an additional credit bureau report may be pulled. I let them know and it was documented on my appeal that I did not want a second credit bureau report pulled. This information was documents on the appeal and the member service rep that I spoke to could see it clearly on the request. NFCU did pull a second credit bureau ( XXXX ). This was not authorized and I would like it removed immediately.
Consumer complaint received 2021-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

XX/XX/2020 My payment was applied to the wrong loan. The agent who follow a month after was aggressive and tried to force me to make a payment when the agent I spoke too make payment mess up. This second time this has happen to me. The first time was last year and they would say they put a recommendation for my account to be update. But the follow week I would receive calls saying my account was past due and do the process of explaining that a agent applied my payment wrong.
Consumer complaint received 2021-01-25
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. (NY)

It has been over 60 days and I haven't gotten a response from these compaines regarding my complaint. They are violating congressional law with their reporting and I am no longer going to suffer for these inaccurate accounts reporting on my credit report. I never opted-in for these companies to obtain my information and to have these accounts reported on my credit report. This is in violation of 15 U.S. Code 6802 section ( a ). There are also collection accounts with debt that I never validated, a couple of which were removed from Transunion and the other two bureaus have yet to consistently report so on their end, this is in violation of the FCRA as well. Please help me get these removed from my credit report.
Consumer complaint received 2021-01-25
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. (IN)

In XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of for being ignored of my disputes. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 35 days over so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Our car was totalled after we were hit by another driver. NOT Our Fault We Were NOT Cited. 
XXXX ( Our Auto Insurance ) Suppose to Pay off Vehicle. 
Vehicle is a XXXX Hyundai Elantra. Accident Happened in XX/XX/XXXX. 

TODAY is XX/XX/XXXX. OVER Six Months Later, Car Loan Still Not Paid.
Consumer complaint received 2015-12-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

My mortgage loan at Ocwen, was paid off on XXXX XXXX, 2015 through a title company at settlement. On XXXX XXXX, 2015, Ocwen took my normal monthly mortgage payment from my bank account ( even though it was paid off from the day before at settlement ). On XXXX XXXX, 2015 Ocwen sold off the mortgage to XXXX I am looking for a reimbursement of my mortgage payment from XXXX XXXX, 2015 as well as the overage from the loan payoff. Ocwen can not talk to me because the " Sold '' the loan ( even though it was paid off before they " sold '' it ). XXXX has no record of the payoff/overpayment because their system will not be updated for 3-4 weeks. All in all, I have no way of " stopping '' my auto deduct with the new company because I can not access my new account information and I have no one who can help me recover the extra loan payment taken as well as any overpayment of the " Payoff ''. I am in need of a refund, ASAP.