davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

In XXXX, XXXX XXXX XXXX issued a loan to someone who stole my identity. This financial company never pulled my credit and somehow was able to issue a fraudulent loan. I have since looked them up with the XXXX XXXX XXXX and it seems they issues loans without pulling a credit report to stolen identities. Even if they would've tried to pull my credit, they wouldn't have been able to since I keep all 3 locked. 

I didn't become aware my identity had been stolen and this loan existed until the collection account appeared on my XXXX credit report in XX/XX/XXXX from XXXX XXXX XXXX. I filed a report on XXXX and was able to get it removed. 

Then they sold the fraudulent loan to VANCE & HUFFMAN LLC in XX/XX/XXXX. I've spent a ridiculous amount of time fighting this with the credit bureaus. Now XXXX denied my dispute and I have to keep fighting, wasting my time, while this company gets away with stealing identities and issuing loans. This company is a scam.
Consumer complaint received 2024-10-14
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. (MD)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : XXXX. XXXX Account Number : XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-17
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. (DC)

Dear Consumer Finance Protection Bureau Representative, Good  morning! 

In the past 150 days since XX/XX/2020 ; the Experian Credit Reporting Company has lowered my credit score some fifty ( 50 ) basis points ; as of XX/XX/2020. 

In that time time I have not opened any new accounts or currently have any accounts open. In fact, I have no credit card debts, loans, mortgage debts, bankruptcy, collection company obligations, mortgage foreclosure, or judgments in my credit history. My debt to income ratio is XXXX ( XXXX ). 

In addition to the aforementioned facts there have only 5 credit report inquiries made during that time, none of which resulted in opening any new accounts. So why the fifty basis point reduction from Experian? 

I believe it is all part of their seamless and direct retaliation to my refusal and rejection of their bank card solicitation offers made through their merchant banks that are advertising through them for marketing to high interest bank card offers they routinely send me. 

I appreciate your help, time, and courteous reply.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (AL)

I had disputed some unknown/ unverified accounts that was deleted around the month of XXXX that just was reinserted on today. I was not notified of LVNV FUNDING LLC reinsertion and this is a violation. This account is not mines and it have been reinserted on my credit file and I would like for it to be deleted immediately.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 2020-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (MA)

I am writing for I have previously disclosed that I have been a victim of identity theft. This has lead to transactions being made using my information, including debit card, address and other information without my authorization. 
I provided to discover that I am a person with a XXXX and I have the experience of this being use against me from the part a third party who has being able to use my information maliciously.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On approximately XXXX20 I discovered unauthorized charges to XXXX from my Bank of America ( BOA ) Checking account. These charges had been recurring for over a year, but while filing a fraud claim with BOA I was informed I could only request recovery of a year 's worth of charges from the date of discovery. This amounted to {$770.00}. I was also informed that the process could take up to 45 days for investigation. I checked my BOA online message center regularly until XXXX20 when I called BOA. On XXXX20 I was informed that XXXX had responded that the charges were authorized and that supporting documentation had been sent physically and electronically on XXXX20. I was also informed at this time that the fraud claim with BOA had been closed. I explained that I had never received this documentation in either format and requested the documentation be resent at this time. I was assured the electronic documentation would be available in my BOA message center no later than the morning of XXXX20. On the afternoon of XXXX20 I again called BOA because I had not received the documentation I needed to request the claim be reopened. I was then directed to go to a banking center to obtain this documentation. On XXXX20 I retrieved the documentation provided by XXXX from a BOA branch and on XXXX20 I faxed the attached letter and supporting documents to BOA requesting the claim be reopened. I also submitted an FTC Identity Theft Report on XXXX20.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked XXXX to delete late payments and adverse accounts showing collection or charge offs. I did not give written consent for these adverse accounts to be reported on my credit report, further more XXXX had a security breach in which my information was impacted. My life has been negatively impacted by this as I can not get the credit that I need at this time.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2020-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECKredi of Kentucky, LLC (MN)

XXXX/XXXX/Checkredi companies claim that while I got a new debit card for use with my new bank account ; I mistakenly kept using the old card tied to the closed bank account. Thus the debit card transactions were rejected by the old bank. 
While this may be true, they have not given me sufficient information to confirm. The account numbers on the receipts do not match the card numbers. 

2 charges in XX/XX/XXXX & XXXX, XXXX : {$14.00} and {$17.00} = {$31.00} total. 
XXXX/XXXX/Checkredi want me to pay a penalty of {$30.00} each or {$91.00} total on a {$31.00} bill. That seems a bit excessive. Furthermore, they waited 5 days before notifying me of the problem - increasing the chances for further transactions and punishing fees. 

I received 2 emails ( one for each charge ) from XXXX/XXXX/Checkredi on XX/XX/XXXX ( 5 days after the first offending charge ). This indicates that they bundle charges together ( delay ) before notifying the customer. The more they delay, the greater the chance to collect yet another {$30.00} fee. 

My records indicate that I kept the correct card and crossed-out the old card information. Checkredi Account # XXXX
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

DEPT OF ED/NAVIENT has reported inaccurate information regarding my payment history. They are reporting 90 days late for XX/XX/2019 this is impossible because I was on time in XX/XX/2019 and XX/XX/2019. I was never late on this account
Consumer complaint received 2020-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (MA)

This is regarding the account I had with XXXX XXXX XXXX XXXX, account # XXXX. My regular monthly billing for the internet service was {$30.00} which I paid diligently. One fine month my bill increased by {$55.00} to a total of Appx. {$87.00} ( just for internet service! ) without any contract notification to me. I called them to rectify the ghost billing, and they said that there is now increase to my billing amount ( without notifying me and giving me the opportunity not to renew their services with them ) and that I had to pay that extra amount. I disagreed to that and Paid them the {$30.00} that I was actually obligated to pay. I also cancelled their services and returned their equipment to the nearest service center I had three phone calls with XXXX XXXX XXXX to resolve this. I also notified them on 2 separate call that I was also receiving separate ghost billing with a different name ( XXXX XXXX ) to my mailing address. XXXX XXXX XXXX acknowledged that it was a case of fraudulent identity theft. 

XXXX XXXX XXXX did not rectify the ghost billing. They sent the {$55.00} amount to a collection agency called SEQUIUM ASSET SOLUTIONS, ( XXXX ) XXXX who did not notify me of any collection via Mail, but placed a claim notification with XXXX. Now my credit score is negatively impacted for no fault of my own. 

I want to lodge formal complaint against XXXX XXXX XXXX XXXX and Sequium asset, for harassing me for bills that I do not owe. They need to be penalized for creating undue financial misery.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IA)

Hello, My name is XXXX XXXX. I am a XXXX XXXX XXXX resident of XXXX XXXX Iowa. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After I return to the United States I attended XXXX XXXX XXXX XXXX. Although I received a full tuition scholarship, I took out loans in order to afford a place to stay and feed myself. 
I graduated XXXX school in XXXX and since XXXX of XXXX have been on the XXXX waiver. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During the pandemic my servicer left the student loan market and my loans were transferred to mohela. Because I knew student loan payments were resuming this month, I began filing my paperwork months ago. I knew that the month of XXXX was going to be a disaster for these companies and so I really wanted to make sure that I had everything in order. I applied for and was put on the SAVE repayment option. I received notification that I was accepted on an IDR repayment plan on XX/XX/XXXX of XXXX. 
On XX/XX/XXXX I received a letter from Mohela, without my request or acquiescence, that all but one of my loans were being put into " administrative forbearance. '' Although this will save me money in the coming months, it means that my payments while in forbearance will not count toward my PSLFXXXX payments goal. 

This is unacceptable. My tax dollars have gone to fund payment to servicers like mohela, and despite knowing for over a year now that repayment was to begin, they are not ready. 

It is unconscionable that borrowers are put into this position. Please help.
Consumer complaint received 2020-05-17
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. (NY)

i have submitted an Identity theft report from the FTC website to XXXX twice already, i am about to send the third one tomorrow, they have responded they they will NOT remove the fraudulent accounts on my credit report which i have no knowledge were they came from. They have also refuse to provide any evidence behind their claim. i need these accounts removed immediately, i was not even in the united states when this accounts were open in my name, i also have addresses, phone numbers and names that do NOT belong to me and the refuse to remove them, harming my ability to obtaina fair credit score and report. please assist me in this matter.
Consumer complaint received 2020-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.
Consumer complaint received 2020-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NY)

I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.
Consumer complaint received 2020-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MD)

One of my continuous issues with my mortgage company PHH MORTGAGE IS THE INCOMPETENCE. IN XX/XX/2020 I ATTEMPTED TO REFINANCE. THE ISSUES WERE SO BAD THAT I RESORTED TO FILING WITH CFPB. I HAVE NOT REFINANCED TO THIS DAY. PHH LIES AND SAYS IT TRIED TO HELP ME BUT THE SAD PART IS THEY PASSED THE BUCK TO STALL AND COVER UP INCOMPETENCE. I SPENT A WEEK ARGUING WITH AN NEW AGENT WHO INSISTED THAT I MUST GET MY OWN CERTIFICATE OF ELIGIBILITY FROM VETERANS AFFAIRS. UNTRUE. AS A VETERAN I TRIED FILING FOR A VA LOAN. IT WAS RIDICULOUS. I HAD TO ARGUE ANOTHER AGENT DOWN ABOUT BEING A XXXX VETERAN AND THAT FACT RELEASED ME FROM SEVERAL OBLIGATIONS IN REFINANCING. ONCE AGAIN ABOUT A WEEK WASTED WHILE THEY SELF EDUCATED. THEN THE AGENT COMES BACK AND INFORMS ME THAT I HAVE TO HAVE AN HOME INSPECTION DONE AS PART OF A VETERAN CLOSING. IT TOOK 2 MONTHS TO FIND OUT I WASN'T QUALIFIED FOR THE INTEREST ONLY REFINANCE. I ASKED WHAT OTHER TYPES OF REFINANCING IS AVAILBLE. THE AGENT AND I HAD A DISAGREMENT. I HAVEN'T HEARD FROM ANYONE SINCE. THIS IS DEPLORABLE. I TRIED CALLING AND ITS SO HORRIBLY INEFFECTIVE BECAUSE THEY DONT KNOW WHATS GOING ON AND WILL TRANSFER THE CALL TO THE USELESS DEPARTMENT.
Consumer complaint received 2020-05-17
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: EQUIFAX, INC. (FL)

I was made aware of an attempt to pull my credit by XXXX  on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and immediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with XXXX and Equifax. The account was listed as XXXX and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with XXXX and Equifax to have the account removed. On XX/XX/2020 Equifax notified me that the account was verified and would not be removed. I also contacted XXXX at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from XXXX for my business called XXXX XXXX  preferred with a XXXX line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to XXXX   credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but XXXX  is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away
Consumer complaint received 2023-11-21
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. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.