davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking  fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Prestige Finance has retaliated against me after my last CFPB complaint. I feel like i have been discriminated against have not been treated fairly. Previously, they provided incorrect information on my credit report stating that I was 30 days late XX/XX/2019. Well, after my last complaint with the CFPB, they have now added an additional 30 day late payment reporting for XX/XX/2019 reflecting that I'm 60 days late. 
I feel like I have been discriminated against even more after I filed a complaint. I have statements to support that I was not late for XX/XX/2019 nor XX/XX/2019 but they have added this to my credit file. Dropping my credit score down 16 points. I have asked if the XX/XX/2019 past due reporting could be deleted since the account is closed with a XXXX balance and was denied and a second late payment have been added. I intend to reach out to an attorney to see if I have any rights because this company has violated my consumer rights and I'm sure that they have broken many laws at this point. I have reached out to them on several different occasions and have been denied all rights that are fair and due to me. Please have someone who is interested in doing the right thing so that my credit report no longer suffers from their false and wrong doings.
Consumer complaint received 2020-09-20
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. (OH)

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX # XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.
Consumer complaint received 2020-09-20
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-20
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-20
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: Experian Information Solutions Inc. (OH)

I have not bee late on this account there was not full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of this year showing I was late and that have NEVER been provided. 

XXXX XXXX Account # XXXX Please correct payment history as it not reporting correctly.
Consumer complaint received 2020-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (VA)

Recently Ive started receiving automated phone calls and voice mails to my cell phone number. I called the number back and spoke with a representative who advised me they were collecting on a debt from 1998. I do not know what this debt is for, I have no knowledge of this debt and I advised the representative this information and also advised him not to contact me anymore. The representative advised he would continue to call and he violated the FDCPA by calling me after my verbal request to cease and desist and he failed to give me a address to send the written request. I want this company to cease contact. I have not given them permission to call my cell. The representative was rude, and he violated several of my consumer rights. This company should be investigated for their collection tactics.
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NC)

Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The above company placed a balance of {$890.00} on my credit report on XX/XX/2020. I have not done any business with this company nor have I received any paperwork or documentation verifying this supposed debt they say I owe. They unfairly without prior notice placed this amount on my credit report causing it to drop 108 points. They did not send me a right to dispute notice. I have received nothing from them at all! I want them to remove the entry from my credit reports.
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I hope all is well ... 
The reason why Im writing is because my bill was a couple days late believing I had to pay {$580.00} because I called on the XXXX when my bill was due explaining I didnt have that much money to pay I was gon na have to borrow it from my mother or someone and it was gon na take a couple days for me to gathering that much money. I normally always pay on time before the pandemic. When I called on XXXX20 I spoke to a representative that advised that I could pay {$170.00} and will bring my account current so I told him to go ahead and take the payment. I wish I would of knew this on the XXXX and my payment would of been on time this is not my fault at all. I had one other later fee in XXXX that is when the Pandemic started because before all of this Im not ever late my hours have been cut on my job and at first I wasnt working at all. I feel the late fee should be taken off because I was not aware that I could pay a lesser amount on the XXXX because if I knew that it would been paid on time not my fault the representative advised that I had to pay {$580.00} to bring my account current and it is currently current with only paying {$170.00} by another representative telling me so Im getting different answers and thats not right at all. I have everything, screenshots, documented and recorded on my phone. Im XXXX  and I have had XXXX XXXX  back to back so I dont need the stress with this new XXXX and I cant afford the late fee with this pandemic. Thank you for your time. Have a wonderful day.
Consumer complaint received 2020-09-20
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. (MS)

m suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Experian about 30 days ago. They haven't removed any of the fraudulent items I requested.
Consumer complaint received 2020-09-20
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. (OH)

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

U S DEPT OF ED/XXXX/XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I have a Best Buy Credit Card and the Bank is Citibank. I made an morning online pickup purchase for a computer and XXXX XXXX on XX/XX/XXXX and canceled it online later in the afternoon the same day. I never picked up the purchase. Although they did give me a credit for the laptop for {$210.00}, they did not give e me a credit for the XXXX XXXX for {$100.00}, see uploaded letter I sent them on XX/XX/XXXX disputing the {$100.00} and now on my most recent statement they raised the balance to {$130.00}. I can not reach anyone by phone and I'm receiving emails demanding payment and have received nothing in writing about resolving my dispute inquiry. I have not used the credit card at all after XX/XX/XXXX.
Consumer complaint received 2020-09-20
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. (LA)

Experian reported my XXXX XXXX XXXX account as closed and included in bankruptcy, this is incorrect. It's an open account in good standing since XX/XX/XXXX. It lowered my score over 30 points. I've called several times with no help or resolution. I've tried contacting capital one auto also with no help from them either. XXXX XXXX Credit Card was included in my bankruptcy and now is a collection with XXXX XXXX XXXX, that's what I was disputing. They've now reported my bankruptcy wrong also, I never disputed that but it was discharged in XXXX and now they are showing it open. They keep disputing accounts I'm not opening disputes on and messing up my credit report. I'm trying to buy a house and this is messing everything up.
Consumer complaint received 2020-09-20
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. (PA)

Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.
Consumer complaint received 2020-09-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (IA)

With {$2000.00} down payment ( {$10000.00} purchase price ). I was told the loan would only be granted if the extended warranty was purchased ( ~ $ 1,700+ ). Which also meant I now needed GAP due to high interest. 

With high pressure tactics and my loan paperwork stating this was optional I was forced into payments I couldn't afford with the high interest. Later to have it repossessed & sued for entire loan + interest had loan carried full term ( almost {$20000.00} total )
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (NJ)

I paid my collections with the understanding that all the derogatory marks would be removed and none of it would show on my report. They are still showing and its hurting my credit score. I honored my  agreement and I would like them to honor their part.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Several years ago I filed legal action against Experian after they refused to remove an account off of my credit report. Since that time, Experian has not permitted me to file a dispute in a manner consistent with their standard operating procedure, which is to file online and have it be resolved. Each time I am instructed to call or to send the dispute by mail. I feel this is unfair and it violates my rights under the Fair Debt Collection Practices act and other applicable laws.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (OH)

My mortgage is through Stonegate Mortgage Corporation. It has been for two years. For XX/XX/2016 I did not receive my payment coupon to make my payment. Knowing it was due, I used a statement from XX/XX/XXXX to obtain a mailing address for payments so I could mail my payment on time. The payment was mailed on XXXX/XXXX/16, before the late payment date of XXXX/XXXX/16. On XXXX XXXX, 2016 I noted in my bank account that the payment had not cleared. I contacted Stonegate to inquire and they informed me that they had a new payment PO Box as of XXXX XXXX and sent me a letter on XXXX XXXX with the change of address with my coupon. However, I did not receive that mailing. With a check # XXXX now lost in the mail I asked the representative at XXXX to waive my late fee of {$40.00} so I could pay with check by phone and that I would go to my bank, XXXX the next day and stop payment on check # XXXX that was now lost. They refused to waive the late fee and offered to waive the payment by check fee. I stated I would first go to the bank and check on the stop payment fee before proceeding with check by phone. When I went to my bank on XXXX XXXX, 2016 I was charged a fee of {$33.00} to place a stop payment on my check. I then called Stonegate again and initiated a payment by phone but again asked to have them waive the late fee of {$40.00} and they refused. They are not taking any responsibility that I never received their change of address letter that they claim was sent to me on XXXX XXXX. For resolution I want the {$40.00} late fee waived, Stonegate to reimburse me the {$33.00} stop payment fee, and my credit report to not have a negative report due to a mail error.
Consumer complaint received 2020-09-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IN)

This is now my 4th complaint with NO resolution and cooperation from Homepoint Financial. Since my open / current complaint on XX/XX/2020 I now have yet another issue with this mortgage company. As directed by my housing councelor, and the state of indiana HUD ( indiana Hardest Hit Funds ) I began making my regular mortgage payment as of XX/XX/2020. My payment of {$830.00} on XX/XX/2020 was received, accepted and posted to my mortgage account. My payment of XXXX on XX/XX/2020 was received and rejected and sent back to my bank on XX/XX/XXXX. My housing councelor has made several attempts to contact Homepoint Financial without any success. We are preparing a letter to send to the state senator for review of our ongoing issues since Homepoint Financial took over my mortgage from Stonegate Mortgage.
Consumer complaint received 2020-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

XX/XX/XXXX CREDIT ACCEPTANCE CORP XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX : CREDIT ACCEPTANCE # XXXX Dear CREDIT ACCEPTANCE CORP, I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by CREDIT ACCEPTANCE CORP in the State of Ohio on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of Ohio UCC 9-611, ( Sections R.C. 1309.611, 1309.612, 1309.614, 1309.601, 1309.709 ), and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. In addition, to proof providing I was notified of Date, Time and location of sell. As I did not have the opportunity to recover. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

A copy of this will be sent to the Attorney General office, Credit Agencies and added to the Consumer Financial Protection Bureau complaint data base. So, there is record requesting this information. If requested documents are not provided, I request you to Delete this account from my credit report, or I will seek damages as within my rights. 
This will be mailed certified with US Post Office with tracking number for purpose of date of delivery and used for damages, if required. 

XXXX XXXX