davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I had to file bankruptcy XX/XX/2011 due to my partner stealing money from our company. That caused me to have to put my home into the bankruptcy as it was collateralize for a business loan.  On or about XX/XX/2015 , I hired the XXXX  XXXX XXXX  XXXX XXXX , XXXX , to represent me.  During the bankruptcy, we were able to talk to the bank ( TD Bank) and reaffirmed the loan and started a loan modification .  XXXX XXXX   office  assigned me a foreclosure attorney  XXXX XXXX, to help me .  I signed the loan modification XX/XX/2015 , under duress of a short notice to accept the bank offer for a loan modification. I was and in fear that i would lose my home.  I made the payments on the loan modification as agreed from XX/XX/2015 to XX/XX/2017 .  During the that time i paid the home insurance until XX/XX/2017, until we were told that the bank had paid it , in XX/XX/2017TD bank began returning my payments to me saying i was in foreclosure .  Upon investigation i found out that they accelerated my back due monies, that were suppose to be a balloon payment at the end of my loan modification, had sent me statements to pay thousands of dollars to avid foreclosure.  I called and documented every step telling them that they violated the loan modification and i was paying as agreed.  Every attempt to reach someone to discuss it was refused.  I then received a foreclosure notice XX/XX/2019 .  I have documented and attached everything.  I am have been subject to extreme stress and financial expense. The bank has violated may laws and our agreement and i need help.  I have hired additional attorneys and had to borrow money in fear of again losing my home to TD Bank.  I believe they purposefully defrauded me, mislead and confused me in order to falsely put me into bankruptcy to obtain my home.  I need help bringing them to justice.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-18
Product: Credit reporting 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. (WI)

I checked my personal credit report, on Trans Union and I noticed that these unauthorized inquires had been made : XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XXXX I requested Trans Union to remove these fraud inquiries immediately, when I called because I believe I am a victim of ID theft & they still haven't removed them, when I followed the directions they gave me & already sent a FTC report & a copy of ID A social security #, along with a letter to Trans Union 's address. 

These fraud inquires look bad on my report & I'm soon planning on buying a home. 
I appreciate Trans Union following the laws & remove the fraud inquiries ASAP. 

Thank You.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-18
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)

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 2024-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc. (GA)

on XX/XX/year> i had received a call from XXXX the company 's name they said NPAS Solution, llc. and they said it's dept collection agency from XXXX XXXX  XXXX told me i owe {$4000.00} and i did't collected {$2500.00} from my credit card and after that i called them to get the a refund because i found out memorial university of health don't use NPAS Solution LLc for dept collection they have XXXX XXXX only one dept collection company works for them ( i had personally called XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  ) .so basically it's seems like a fraud and i need my money back even if it's not a fraud. if i owe any money to dept collection agency they should send me a mail not call me over the phone and make a deal.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. These inquiries were made by companies without my knowledge or authorization, and as such, they are in violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports. 

The inquiries in question are as follows : XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX, XXXX XXXX : XXXX XXXX, 2023 Under XXXX XXXX Code XXXX, consumer reports may only be accessed under specific permissible purposes, such as when I have applied for credit, employment, or insurance, or in connection with a legitimate business transaction initiated by me. I did not authorize or initiate any transaction with the companies listed above that would warrant these inquiries. 

I respectfully request that you investigate these unauthorized inquiries and remove them from my credit report immediately. Enclosed with this letter is a copy of my credit report with the unauthorized inquiries highlighted for your reference. 

Please confirm in writing that these inquiries have been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inquiries from my credit report. 

Sincerely,
Consumer complaint received 2024-07-18
Product: Credit reporting 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. (FL)

XXXX CARD SERVICES Inquiry : XXXX. XXXX, XXXX and on XXXX, XXXX I never have permission for them to pull my credit please Delete
Consumer complaint received 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There's a negative account that keeps showing up and getting removed shows up again different names gets removed know again. This account was not, is not, will not ever be mine no knowledge or written verification. I have accounts with thousands of dollars on them with exceptional payment history! I wouldn't let a little {$700.00} damage my credit.
Consumer complaint received 2024-07-18
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

I opened an account with citi bank on XX/XX/year> to utilize the account for my direct deposit in my workplace. Account was opened successfully was even mailed a card and had access to online portal. On XXXX  XX/XX/XXXX I tried to access the account but was unable to log in with my credentials. I contacted the bank customer service number to get answers. Spoke with agent and they stated the account was blocked and they sent me fraud department, fraud department stated account closure is due to early warning notice and to contact early warning. No problem about the account closure, the problem is they opened the account successfully and I used the account for my funds to be deposited. The account was closed as they stated my funds was sent to this account leaving me no food and money to provide for my kids. I called numerous of time to see if a rejection of funds from my employer would happen due to closure thats on XXXX  XX/XX/XXXX when I reached out to see if funds were in the closed account. Agent stated yes and no funds has been deposited and will be rejected due to account closure. So I contact my employer on Monday to let them know the funds has been rejected by citi bank as they stated. So Tuesday nothing has been done on my employer side so they emailed me and told me they are waiting on funds to be rejected from Citi bank. Wow, I called Citi bank and the agent stated funds are In the account an he has to email the back department to check on my funds. Why are my funds being held in a closed account that was successfully opened for 2 days. I get pains on XXXX  XX/XX/XXXX but no funds were in the account. Why havent they rejected the funds to send back to employer? I am without food and have disconnection notices. I was sent a letter of bank not opening why are they holding my funds for an account I never really had.
Consumer complaint received 2024-07-19
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)

I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what ( XXXX XXXX XXXX ) is, this fraudulent account need to be remove from my report because it's hurting my personal finance.
Consumer complaint received 2024-07-18
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (FL)

I sent several disputes letters via XXXX, XXXX and XXXX saying that this account is related to an act of identity theft and that it doesn't belong to me. Which they are continuing to say is this account is mines ... Several times I've sent ftc reports relating to the crime and now I have did a XXXX Police department report and the case number XXXX company is Westlake Financial SVC and XXXX XXXX XXXX.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PR)

Attached is the record of ENHANCED RECOVERY COMPANY alleging a non-existent debt and without any evidence. According to my records, this is the second time that said agency ( which must be investigated ) exposes not only me because of the reviews I have read, but also a number of people who are going through this same situation where it arbitrarily affects the empirical the three main agencies from which random and uncertain arrears charges are received without being evaluated without any type of evidence.

I wish to inform you that this agency from which you buy debts at a very low price, but without any type of evidence. in my case I HAVE NEVER HAD ACCOUNTS WITH XXXX XXXX XXXX  or its subsidiaries. If it is true that I had debts with this company, I have never received collection letters because I have never made a contract with it. If this agency wishes to collect {$2500.00} Open balance, if true, I request the original contract with the company XXXX XXXX XXXX XXXX, in my name from the date of the contract until the culmination of the alleged debt. Evidence of the agency XXXX XXXX XXXX delegated the collection of said debt to the collection agency ( signed contract ). Information on the telephone number of said debt as well as where said contract was made. These practices of charging without any type of evidence is considered FRAUD and has been recognized by the Consumer Financial Protection Bureau. When these agencies of scams and legal appearance, mislead, cajole, XXXX, and hardened in the form of a ruse so that the person in a stratagem so that people fall into this falsehood. I ask the Consumer Financial Protection Bureau to carry out an exhaustive investigation of these agencies that lend themselves to collect for a few cents the collection of phantom debts and at the same time alter the record or empirical of the citizens. in my case, they enacted for good and win damages my record and empiric which I request correct and certify with evidence if that debt really exists. Otherwise, if they do not do so, they are exposed to a claim for libel and slander. The Libel and Slander Law of XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) inclining to claim for libel and slander. If this is proven, legal action will be taken against ENHANCED RECOVERY COMPANY for damage to the reputation, dignity and affront that this agency carries out. 
Therefore, you are ordered to completely eliminate the records that appeared in the agencies XXXX, XXXX AND XXXX. 
We formally ask the Consumer Financial Protection Bureau to exercise and direct these agencies to be meritorious, since this same practice has been repeated with too much insistence to try to collect money illegally and deceitfully.
Consumer complaint received 2024-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANCO POPULAR DE PUERTO RICO (PR)

I checked my credit report and found that banco Popular of PR XXXX at XX/XX/XXXX appeared on accounts with adverse information in my XXXX credit report with inaccurate information the balance is inaccurate, the account was paid in full by the XXXX XXXX, and the banking institution received the property and they sold the property and received the payment of the sale and additional retained the downpayment that I make of 20 % of the cost {$40000.00} and the payments that I made since XX/XX/XXXX to XX/XX/XXXX and the payments that I make for insurances policies, maintenance, repairs, tools and equipment, stoarge and transportation and additional they retained {$26000.00} final payment of one of my certificate of deposit that never returne the amount to me inaviolation of the agreement after natural declared disaster XXXX Hurricane XXXX when they only gave me m months of moratorium in payments, they requested insurance policy renewal, they devaluate the property {$60000.00} less without any appraisal and manipulated the appraisal that they paid that contain different values of the property depending if I voluntarily return the property to the bank, if the property was repossess or if I keep the property and pay the debt. They discriminated against me they give me less favorable terms than other applicants and they offered non clear, misleading and fraudulent information in refinance transaction in XXXX when I went to the bank and let them know to XXXX XXXX and XXXX XXXX XXXX that I lost my divorce case and the money that I was expected and can't continue with the property and the loan and both denied me any solutions more than a refinance in balloon loan to favor the banking institution and did not notified me that they will take the down payment and all payments done. I would like to request for my intimacy and privacy right that this account will b remove because the account was paid more than full and they said it was charge off when they received all monthly insured payments, they sold the property and keep the money of the sale and keep the money that I paid and keep additional money of my certificate of deposit in a violation of banking regulations and discriminations against me. The account was reported inaccurate balance and I am natural declared disaster and declared disaster survivor, they commit serious regulations violations and depredatory acts against me. They are reporting this in a retaliation act against me and I received continuous loans denial due to inaccurate information reported.
Consumer complaint received 2024-07-18
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. (NC)

I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

IN ACCORANCE with The Fair Credit Reporting Act, Public law 91-506 Title VI, Section 611, please provide the names and businesses addresses of each individual with whom verified above so that i may follow up. Please send a updated copy of my credit report after your re-investigation.