davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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)

Dear CFPB, I am writing to dispute a fraudulent collection account that has been wrongly reported on my Experian, XXXX, and XXXX credit reports by XXXX  XXXX XXXX. I am deeply concerned about the impact this false information may have on my credit history, financial stability, and overall well-being. 

In XX/XX/2XXXX  I discovered that there was a collection account on my credit reports from XXXX  XXXX XXXX, which I had no knowledge of. I contacted XXXX XXXX  XXXX immediately, and they informed me that the account was opened in my name in XXXXXXXX XXXX 

I was taken aback by this information since I have never had any financial dealings with XXXX XXXX XXXX. I explained this to their representative, but they were unhelpful and insisted that I was responsible for the debt. They also refused to provide me with any supporting documentation. 

Since then, I have been trying to clear my name and remove this fraudulent account from my credit reports. I have filed disputes with all three credit bureaus, but they have all come back stating that the account is valid. This has been an extremely stressful and frustrating experience, and I am at a loss as to what to do next. 

I am confident that I am not responsible for this debt, and I believe that XXXX XXXX XXXXXXXX has made an error in reporting it on my credit reports. I have always been responsible with my finances, and I take great pride in maintaining a good credit score. This fraudulent account has negatively impacted my credit score, and I am afraid that it will continue to do so if it is not removed. 

I am appealing to the CFPB to intervene in this matter and help me clear my name. I respectfully request that you investigate this matter thoroughly and order XXXX XXXX XXXXXXXX to remove this fraudulent account from my credit reports. I am happy to provide any additional information or documentation to support my claim. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

I have a complaint against Amerihome Mortgage company. I paid my homeowners insurance out of pocket because I get a substantial discount by doing so. I am trying to find out how I can get reimbursed for the payment I made out of my escrow. I have uploaded my new homeowners policy to them along with the paid receipt and nothing from them.I have been asking the same question for almost 3 weeks now! My first message was sent on XXXX XXXX. No one responds to my messages. You have to go through 5 minutes of prompts when you call customer service, and after that you get to sit on hold for 30-45 minutes, and if you are lucky enough to have someone answer your call, They don't know XXXX! Even tried the chat button and a girl named " XXXX '' suddenly abandoned me on the chat without answering my questions. This banks customer Service in non-existent. Do they not have some obligation to correspond with their clients? 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number XXXX XXXX  Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

Account name : XXXX XXXX XXXX # XXXX # XXXX XXXX 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 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 repor
t 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SLM CORPORATION (NY)

On XX/XX/XXXX, I filled out an application to open a money market online account, at Sallie Mae Bank. The site stated that it takes 5 days to process. I received an email on XX/XX/XXXX, stating that they were unable to approve my application. It stated that I could contact them at XXXX, SallieMae Customer Care. 
I called on XX/XX/XXXX and spoke to XXXX, who stated that she looked at my application, stated it will be sent to management for review for re-consideration. ( She told me that she looked at it and saw nothing wrong with it. ) She stated that I would hear back between 24-48 hours. 
I called again on XX/XX/XXXX and spoke to XXXX again, she said she would send it by email to her boss, also she stated that she was unable to pull up the documents, I did not receive any correspondence by phone or email from Sallie Mae. 
I called on XX/XX/XXXX and spoke with XXXX who stated my application was denied again, but could not offer an explanation. He stated I would get a call from a manager between 24-48 hours. I did not receive a call or an email. 
I called on XX/XX/XXXX and spoke to XXXX, and explained the situation. She stated that my application was " fraudulent. '' I asked her if I could a copy of my application and she said no. Then she said that they will not accept anymore applications from me. 

On XX/XX/XXXX I decided to apply for a money market at XXXXXXXX XXXX XXXX. I submitted my application and got a response right away stating that " we weren't able to approve your application. We can't accept your application because it didn't meet our requirements. '' We didn't make an inquiry to your credit report and appreciate your interest in XXXX XXXX. 
I called XXXX XXXX  and spoke to XXXX, letting her know about my unapproved application. She reviewed the requirements that were needed, I didn't hear any that I did not cover. She stated I would get a detailed explanation in 7 to 10 days by mail.. 

Due to XXXX XXXX  not accepting my application " immediately, '' I worry that my SS number or other personal information might have been " blacklisted? '' ( If there is such a thing ) I sincerely appreciate any help in this matter from the CFPB, to help me understand all of this. 
With sincerity, thank you.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017 until now are NOT mine and need them removed from all credit reports Thank you
Consumer complaint received 2017-06-07
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. (AZ)

I have a charged off account with XXXX XXXX XXXX. XXXX XXXX XXXX has been inaccurately reporting on my credit report as they have sold the account to XXXX XXXX XXXX. I receive mail from XXXX XXXX XXXX  attempting to collect on the debt as well as a letter from XXXX XXXX XXXX regarding my XXXX XXXX XXXX account dated XXXX X,2017. When I contact XXXX XXXX XXXX they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
Consumer complaint received 2017-06-07
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. (AZ)

I have a charged off account with   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX   has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from   XXXX   XXXX   XXXX   attempting to collect on the debt as well as a letter from   XXXX   XXXX   XXXX   regarding my   XXXX   XXXX   XXXX   account dated  XXXX   XXXX .   When I contact   XXXX   XXXX   XXXX   they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.    XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  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
Consumer complaint received 2017-06-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC (AL)

Loan in  XXXX  - 14 days late and due to my wife being in the hospital and having only  XXXX  income for  XXXX  children. I (  XXXX   XXXX   XXXX   ) informed manager (   XXXX   ) on Tuesday (   XXXX / XXXX /   17  ) I will promise to get payment in by Frid ay (   XXXX / XXXX /   17  ) with late fee. Also informed that I was currently at the hospital visited sick wife and I will get payment in by Friday. He said okay and we got off ca ll. Manger then proceeded to call back 4 more times within a 3 minute period and wh en I answered accused me of being my sick wife. I advised him I could not talk and payment will be in Friday. He then said he will start legal action because he does not believe it is m e (   XXXX   XXXX   XXXX   ).  I then hung up only to have him call back again and leave a voicemail that he thinks I 'm lying about being me and he will start legal action. So as times are already hard for my family this guy who clearly knows nothing is harassing and threatening me about being a couple weeks late on my loan which I still have all intentions of paying I just fell on a rough time for a short period of time. Please help me!
Consumer complaint received 2017-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-09-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crystal R. Cole, Attorney at Law (TN)

I negotiated settlement options with the Law Office of Crystal for a default judgment they were awarded for failure to appear. I was required to send in proof of my debt with the IRS, my monthly mortgage statement to show a {$400.00} increase in obligation as a result of insurance, the debt letter for another law office I am already ( barely ) making {$500.00} payments to, the additional insurance payments I was making for my property, along with my proposals for voluntary resolution. These documents were found to substantiate my financial hardship by the client that they represent and approved the options for repayment. It was after my email asking how to make payments that I lost their contact information. Instead of picking up the phone and calling someone that they know was trying to resolve this matter amicably they issued a garnishment to my checking account. ( please be advised that they had previously attempted to garnish this account and rendered {$0.00} after review by my bank because I am NOT hiding money ). Having all of this information they still processed a garnishment of {$310.00} ( minus an additional {$100.00} in legal fees enforced by my bank to review my account ). This account is generally in a negative balance however I had XXXX checks outstanding totaling {$410.00}. 
Besides the fact that I think the laws need to be changed as far as a bank levy is enforced ( with a garnishment of wages you can only take a percentage, a levy takes everything you have which is outrageous for a non-IRS defaulted debt ). I feel that this attorney knowingly and voluntarily inflicted an undue burden and hardship willfully without making any other reasonable effort to contact me ( a.k.a phone call which was provided to her when I contacted her initially ). She has been provided all requested documents to substantiate that. 

Their information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Physical address XXXX XXXX XXXX XXXX TN XXXX Phone # XXXX XXXX XXXX Fax # XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-29
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. (NC)

It has come to my attention, the BANK, has transfer an account to XXXX XXXX XXXX  immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their account #, without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
Consumer complaint received 2020-12-31
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. (FL)

I have been trying to dispute an account reporting on my credit reports. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (OR)

I have reconstructed events and discovered triple-billing, insurance fraud, elder fraud, and XXXX fraud by XXXX XXXX XXXX XXXX ( And possibly XXXX XXXX and Wakefield and Associates. ) See attached. This is more complete information and supersedes complaint XXXX and XXXX. XXXX XXXX billed XXXX XXXX the full amount of the ambulance bill, of {$940.00}. XXXX paid according to its structure on XX/XX/2023. ( See claim XXXX attached. ) XXXX XXXX then billed me for the copay of {$270.00}. I applied for its financial aid to cover the copay. ( Have my copy of the documents sent, dated XX/XX/2023. ) XXXX XXXX did not bill me further for the copay. Several months later, approximately XXXX, XXXX XXXX harassed me by phone for more bank statements " because we couldn't read them ''. It demanded more statements and demanded that they include every transaction. I have applied for financial aid from housing, food stamps, colleges, hospitals, and utility assistance for XXXX  years, and NONE of them ever demanded every transaction, but merely documentation of income and account balances. ( Which I had sent. ) I didn't send them, and XXXX XXXX did not bill me further for my copay. Apparently XXXX XXXX also double-billed the full bill it had sent to XXXX XXXX XXXX for that is the amount the wakefield and Associat4es collection letter dated XX/XX/2023 says " amount you originally owed : {$940.00} ''. This is fraudulent on the part of XXXX XXXX XXXX  : ( XXXX ) I never " originally owed '' the full amount ; ( XXXX ) it billed XXXX XXXX for that amount ; ( XXXX ) it then billed that amount by sending/selling it to a collection agency. This is insurance fraud, double billing, triple-billing counting Regence, collection and the copay ( though I got charity care with some harassment for more bank statements ) ; elder fraud, and XXXX fraud . XXXX XXXX, and then Wakefield, both in the same building, took part in this triple-billing fraud.
Consumer complaint received 2021-01-01
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. (FL)

I have disputed collection accounts : # XXXX # XXXX directly with XXXX XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX company, but in any case these accounts should not be reported by XXXX  XXXX now so please delete these false accounts asap.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX  may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies XXXX, XXXX, and Equifax.