davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I am a senior, XXXX years old.

You have stated to me that I am not the person submitting this information. You are wrong. I am able to read, write and speak ENGLISH better than you. I suggest you do your job and fix my report and remove these invalid entries. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX XXXXXXXX XXXX XXXXXXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX   and Experian all seem to gloss over my request with pleasure.

This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all  furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2020-09-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc. (MD)

FCI LENDER SERVICES INC ( " FCI '' ) Claims they are the Servicer for XXXX, XXXX. 
The loan was not assigned to XXXX XXXX. 
Attached is a copy of the letter from FCI stating that they are the Servicer for XXXX, XXXX. 
If the loan is not assigned to XXXX XXXX. Then the question of enforcement does not arise. 
Currently XXXX XXXX is not licensed as a Lender. Pursuant to MD. Financial Institution Section 11-219 ( a ) Sale prohibited. -- A licensee may not sell a loan account to any person who is not licensed under this subtitle.

( b ) Account unenforceable if acquired by unlicensed person. -- A loan account that is acquired by a person who is not licensed under this subtitle is not enforceable. 
NOR. as Collection Agency in the State of Maryland.

Md. BUSINESS REGULATION Code Ann. 7-301 ( a ) In general. -- Except as otherwise provided in this title, a person must have a license whenever the person does business as a collection agency in the State.

FCI can not priovide Services to an entity who lacks the required licenses.

FCI is involved in unjust enrichment, willful malicious prosecution of a Homeowner.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went to ( XXXX XXXX ) on XX/XX/2020 to acquire a 2020 XXXX XXXX limited for {$34000.00}. I was informed that the so called lender couldn't not finance the entire transaction ( XXXX XXXX XXXX ) but only partially. From my understanding as a consumer and creditor to the account, the approval of credit transaction comes directly from me, given my right as creditor to defer payment, my security interest given in the contract, And my status as consumer also clarifies this fact. Live communication was given to explain this to the so called lending institution. The purchase of the security by a third party is in fact a credit sale on my behalf by the dealer ( XXXX XXXX ) to ( XXXX XXXX XXXX ) a third party labeled as a debt collector. In return i should have received my portion of the claim via my security interest given within the contract, and my property being the automobile. Also the companies Transunion and XXXX have inaccurate accounts posted on my report and have yet to furnish my permission of the report or the name of the individual who reported the information to them. This has made my ability to obtain credit extremely difficult.
Consumer complaint received 2020-09-07
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. (MN)

We went into forbearance with our mortgage through XXXX, in XXXX, due to covid. After receiving the stimulus money we paid our mortgage for XXXX and XXXX in XXXX. XXXX is reporting us late for XXXX and XXXX which is incorrect. We asked them to fix it and they deny that theyve reported it late. We then placed a complaint with Experian and they said XXXX reported us late!
Consumer complaint received 2020-09-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK (MD)

We obtained a HELOC loan in XXXX against our home at XXXX XXXX XXXX XXXX, MD XXXX. In XXXX the housing market crashed and they froze the account so we could not use it and we have been making payments ever since. In XX/XX/XXXX they said that the terms have changed and that my payment would be {$950.00} per mo. from under {$300.00} for all those years. 
We noticed on our credit report that they changed this from a HELOC to a VISA credit card, ( which i did not want a credit card ). It shows up as an installment loan and it is affecting our credit score. We have worked very hard to get our credit score up and this has put us at a stand still. We can not refinance because our scores are not high enough because of this VISA card. It appears on our report that we have over {$85000.00} worth of Credit card debt, when in fact our credit cards are less than {$5000.00}, when they changed the status of this HELOC it looks like we have racked up cc bills to {$85000.00}. 
This is also a 2nd trust against our home that shows up. How can it be both? They will not let us refinance because they don't do loans in MD anymore. We do not have {$83000.00} to pay this off, this is supposed to be paid in full when our home sells. 
We are a hard working family, and we feel that we are being taken advantage of, all we ask is they change the way they report this, not like a credit card but a 2nd mortgage., we have no problem with making our payments and paying off when we sell but in the meantime, we really need help getting them to change this. 
We thank you in advance for helping and we look forward to hearing back from you
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I contacted Capital One in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2020 I went to purchase a truck at XXXX XXXX XXXX. I went with another person my. We answered their questionnaire to qualify for financing. They said we qualify as a joint purchase. We did paperwork for truck purchase including attaining Gap insurance. We completed the transaction and left the dealership. a couple of miles away, a van crashed into the truck and totaled it. It was determined the other drivers fault right away.. We immediately notified their insurance, Gap insurance company, dealership, and our attorney. We diligently followed all instructions from all of the places and proceeded to wait for all the processes to occur. The amount owed for the total-loss truck was XXXX.The insurance, XXXX XXXX, issued a check for XXXX on XX/XX/2020. The service and maintenance warranties refund check was issued on XX/XX/2020. Service refund was XXXX. Maintenance refund was XXXX. On XX/XX/XXXX, the Gap insurance company paid XXXX. These amounts add up to XXXX. Throughout the period of time following the wreck, I kept up with the status of each process. I called Santander at the end of XX/XX/2020 and was told everything was paid and went about my business. About a week later I started getting calls from the Santander number that disconnected the call after answering. On XX/XX/2020 I answered another call and the woman stated it was an attempt to collect a debt and that I owed {$980.00} and that {$220.00} was 86 days past due. I was told they had not received the payments from the warranty and service refunds and to call the dealership. I did and confirmed those payments were sent. I called the Gap company to reassure they paid their proper amount. They confirmed that. After calling back and forth between XXXX XXXX XXXX XXXX XXXX XXXX, the Gap insurance company XXXX XXXX XXXX, and Santander, several representatives from Santander were unable to tell me what the {$980.00} was for. Only told me I need to pay or else it will be reported on our credit. I pieced together several details from many phone calls to Santander on XX/XX/2020. i was told that it was standard procedure to owe money on a simple interest loan, another person stated there were late fees of {$37.00} that amounted to the balance owed, and another said there were fees of {$75.00} accumulating on the account. I have no records indicating these items. The last time I called Santander I was at a high level of frustration and concern and strongly inquired why anything was owed and what it was. Each representative only stated generic this is an attempt to collect a debt & that is what is showing due & past due. I never got any of them to explain anything. The last representative told me the only thing she can do is request an audit on the account. I said yes to that, as it was the only option I was given.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/XXXX.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days 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 2020-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MN)

I have been contacted by mail by TRS Recovery Services alleging that I owe for purchases made at Home Depot. 
XX/XX/XXXX XXXX, MN XXXX XXXX for {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX for {$530.00} XX/XX/XXXX XXXX XXXX, MN XXXX XXXX for {$1200.00} All alleged to be in the form of a check ( s ) converted to electronic funds transfer by the merchant with authorization. Whatever that means. I called XXXX XXXX corporate and they have no record of myself writing a check, having a XXXX XXXX credit card, having any large purchases or outstanding debt ( s ) with them in any form. Calling TRS Recovery Services just leads you to voice prompts that divert you to their website where, to dispute a debt, you must provide your Driver License #, Social Security #, address, bank acount # and routing #. I then made a police report - # XXXX with XXXX Police Dept., I have also filed a consumer complaint and action form with MN attorney generals ' office. Furthermore an internet search reveals multiple accounts of false debt collection attempts by TRS Recovery Services in the guise of purchases made at XXXX XXXX and many other businesses - submitted by normal consumers like myself.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (KY)

Saw company was negatively affecting my credit score when I received no notification of debt, says the original creditor was XXXX XXXX. Never owed XXXX XXXX 's the {$590.00} they are claiming I owe them. Did not give me a chance to request validation of debt and never notified me of the debt.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with Experian due to my student loan with XXXX XXXX reflected incorrect information ( 90 - 120 days of monthly late payments from XX/XX/XXXX to XX/XX/XXXX that reflects {$11000.00}. I am not disputing the amount owed just the late payment status. I could not understand why each month reflects late for either 90 or 120 days. I disagreed with this information on my credit report. I filed an online dispute with Experian in XX/XX/XXXX. Experian immediately sent me an email stating that they received my dispute on XX/XX/XXXX. I received an email from Experian on XX/XX/XXXX stating they made progress of reviewing my dispute. On XX/XX/XXXX, I contacted Experian and explained to the representative that it has been over 30 days and Experian has not contact me or submitted me the online decision of my dispute. I kindly requested the late payment information be deleted from my student loan account. Based on the FRCA, if a credit bureau ( Experian ) do not submit an reply within 30 days. The disputed information should be deleted off my account. The representative stated that a letter was sent out to me on XX/XX/XXXX. I stated to the representative I filed an online dispute and Experian always replied the results of the dispute to me online for review under my account for completed disputes. I told him I never received a letter in the mail once my dispute had been completed. Please help me with this complaint. I am not trying to get out of paying my student loans. I just want the correct information to be shown on my credit report.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : Address, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : First name, Last Name XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was able too check my cr on a daily basis I signed up for cr monitoring then my cc got declined then XXXX flagged my SSN too all credit bureaus all because I stop using there monitoring service now they want me too verify my identity again.
Consumer complaint received 2020-09-09
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: WAKEFIELD & ASSOCIATES, INC. (MI)

On XX/XX/2016 a derogatory account was placed on my credit file from Wakefield & Associates . Upon further research this unverified account was transferred and sold, and I am not responsible for this account. Wakefield & Associates has not verified or validated this collection, also there was NO written form of communication, contract or signature for the accused debt at all. A bill with no signature does not validate the debt and anybody can send a bill and say it's mine. According to FCRA, Wakefield & Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (NJ)

I have requested a one main financial loan about 2 years ago, which Monthly installments have been paid on time since the loan was received. One main financial loan has been calling often to request information, even though the loan is being paid on time.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (AL)

I recently received an SBA LOAN which was deposited in my checking account. Shortly after the deposit, I received an email stating that my personal checking account could not be used for business. The electronic disclosure stated I had 60 days to transfer my funds out of my account. Two days after I received this electronic disclosure my checking account was frozen. I was unable to access my account so I contacted their customer service number so as to find out what was going on. Upon contacting Customer Service I was told that they need information to confirm that I was the intended recipient of the loan so they requested a copy of my SBA Loan Agreement, EIN Letter from the IRS, Driver License, Utility Bill, and Social Security Card. I provided a copy of everything requested only to be told that my social security number could not be verified nor my loan. I asked what was needed and they requested the same items I submitted last Wednesday. Today 7 days later I submitted the same documentation and I was told by XXXX in their security department he saw multiple social security numbers to which I stated I only had one the one which I provided. He stated he would need to call some of the former secret service agents which he knows so they can reach out to some people in XXXX. This is the most discriminatory process I have ever been involved with.