davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2019-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (GA)

I was notified by a BMW sales person when I attempted to buy a car at the dealership that BMW Financial Services states I have defaulted on a previous loan, when in fact I was a noted victim of identity theft in XXXX- XXXX. I have ONE VALID loan with Bmw in the past and that loan was paid in full and in good standing. when I first noticed the fraudulent second loan in my name I notified BMW and nothing was done. Now that I am ready to purchase another vehicle from BMW I am being denied a loan for a previous defaulted loan that was not mine.
Consumer complaint received 2019-05-29
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX-XXXX-XXXX/XXXX-XXXX-XXXX/XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX  XXXX  XXXX ) XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (TX)

NCC business services has been harassing me for a few weeks and has now as threatened reporting incorrect derogatory false information on my credit file with XXXX and XXXX. It has already been removed and corrected by XXXX. NCC has acted in both an illegal and unethical manner. This is a fictitious debt. 
I pride myself in having perfect impeccable payment history on all of my accounts with all of the credit reporting agencies I have nothing derogatory on my credit aside from this scam they are trying to force me to pay. 
Companies like these try to intimidate people into paying these made up fictitious debts and make millions I am sure. I plead to you to assist me with fighting them on this matter. 

NCC Business SVCS INC Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ****** this company is trying to collect on fictitious debts ****.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AL)

XX/XX/2019 Ocwen Loan servicing 's attorney contacted my bankruptcy attorney claiming not receiving payments for XXXX thru XXXX when I have documentation printed from their web portal showing payments received. They also back date Monthly mortgage statements for the purpose of appearing in default. This company retained attorney XXXX here in XXXX to represent them in foreclosure proceeding and the only thing saved me was the print outs from their web portal showing payment received and next payment due. After using this tool, payment confirmation letter, they removed that feature from their web site. My monthly payment was XXXX including escrow and I paid over the amount monthly. So exhausted over these tactics. They are also changing the escrow balance and always making the account in the negative. I had an expense of {$4100.00} in XXXX thru XXXX when the AC unit died. As a result both the wall unit and the outside unit had to be replaced. I only have liability insurance thru the mortgage company therefore having to pay this expense out of pocket in various payments.
Consumer complaint received 2024-09-10
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement.

The information listed below appears on my credit report, but I did not make or approve of these transactions.

I did not authorize the following inquiries : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following accounts are a result of Identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX DISPUTE RESOLVED REPORTED BY GRANTOR Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX : {$3500.00} XXXX XXXXXXXX Balanced : {$2600.00} XXXX XXXX XXXX XXXXXXXX Balanced : {$670.00XXXX XXXX XXXXXX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

When this money order was purchased on XX/XX/XXXX for the XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX, I was not informed that there was a fee associated with not cashing the money order. 

I requested a replacement money order on XX/XX/XXXX and was informed on XX/XX/XXXX that my money order has no value since there was a monthly fee. 

It is deceptive to have to pay for a money order first before evening knowing there's a penalty associated with not cashing it. What is even worst is that the penalty is in fine print so if you are legally XXXX or have bad eyesight it is even more difficult to explore and read the fine print. Thirdly, there was never no communication that there's a purchaser agreement listed on the back of the money order. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balanced : {$1200.00} XXXXXXXX XXXX XXXX  XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2024-07-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (SC)

I have email correspondence with the property manager and their lawyer regarding move out date. I moved out within the time frame and returned the keys to management. I have attached the email from myself to the property management. The agreement was for me to move out by a date both of us agreed upon, which I did. Yet they have attached fees for " unpaid rent '' for months I did not occupy the apartment. I was not aware of any debt that they have attached to my credit nor was I ever contacted by the collection agency to know the debt had occurred. I never received a letter nor phone call until I applied for an apartment recently where they informed me of this debt.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (IL)

I've noticed around XXXX XXXX that my XXXX credit report was reporting duplicate charges of my student loans. For example, each subsidized & unsubsidized loan I've received was on their website twice. So, for example, me owing XXXX it shows XXXX. I went on the student aid website along with my direct loaners ' website. The information is inaccurate. I should be around XXXX with my student loans. I'm not sure if this is some type of glitch with XXXX as I just had to place a credit freeze with all 3 bureaus due to fraud concerns around end of XX/XX/XXXX. On XXXX XXXX XXXX it shows the amount that corresponds with my loaner 's website & the other credit bureaus.
Consumer complaint received 2024-09-10
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (WI)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (AR)

I am filing this complaint because a Mortgage company in whom I am a client of is misreporting my account to Experian. They are reporting inaccurate late payments that are false and are damaging my credit worthiness, character, and reputation. I have disputed with Experian and Experian has failed to ensure that the company report my account completely accurate. They are allowing the company to verify the misinformation my account. I have disputed this account with both Experian and the creditor to no avail. I am reaching an impasse.
Consumer complaint received 2019-06-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial (TX)

XXXX, XXXX XXXX XXXX, Attempting to collect a debt after already having all of my valid contact information have been calling and harassing my family members. They are calling from XXXX. They are calling regarding an old payday loan from XXXX XXXX. I made payments on this payday loan for over a year until I was no longer employed. I have asked them to only contact me and they continued to contact other family members.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (TX)

In accordance of the reporting act - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ed Financial and XXXX XXXX XXXX XXXX have violated my rights. 


The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( 15 U.S. 

Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/2022. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2019-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PHH Mortgage Services Corporation (MO)

On XX/XX/2019, a wire check in the amount of {$120000.00} was sent to PHH Mortgage from XXXX XXXX  to close out my loan with them. 

On XX/XX/2019. PHH Mortgage withdrew {$1000.00} from my checking account to cover a payment that should not have been made as the loan had been paid in full. 

I contacted PHH and XXXX XXXX  on that day to voice my concern. XXXX XXXX from XXXX XXXX  has been working with a person named XXXX from PHH to resolve the issue. 
PHH claims that they never received the wire transfer and has yet to resolve the issue. 
It has now been 5 business days and I have not been reimbursed my {$1000.00}. 

You can reach XXXX XXXX from XXXX XXXX  at XXXX XXXX at PHH XXXX Myself XXXX XXXX XXXX.or XXXX My Account number at PHH is XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2024-07-25
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-08-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alliant Capital Management LLC (OR)

I was contacted from this company Alliant IG Because I had a debt of road for a apartment complex Lived in. XX/XX/XXXX I payed them XXXX because they said if I did t pay by the XXXX They would send my debt to my credit score. I told him that is the best I could do at this time and they would have to wait until I can do more down the road since then they have continued to contact my place of employment and would just hang up but when you call the phone number back it goes right back to them we asked him to stop contacting us but they continue to contact us. They are contacting me and my fianc
Consumer complaint received 2019-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (TX)

I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company Dyck Oneal Inc and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that Dyck O'Neal is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX ). This company is in volition of the Fair Credit Reporting Act.