davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
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. (CO)

While reviewing my TransUnion credit report on XX/XX/XXXX I discovered that someone had used my identity ( Social Security Number & Home Address ) to purchase an XXXX XXXX for $ {$740.00} from a XXXX store in XXXX Colorado. They had the phone purchase payment added to the bill which was never paid and eventually went to collections. 

I called XXXX on XX/XX/XXXX and they provided the following information : - Where purchased : Internet Order - XXXX Account Number : XXXX - Mobile Phone Number assigned to phone : XXXX - Email address provided by customer : XXXX - Date Phone purchased / Account opened : XX/XX/XXXX - Date account closed for no payment : XX/XX/XXXX - Current Balance in arrears : {$980.00} - Address where phone was shipped : XXXX XXXX XXXX XXXX, XXXX XXXX ( This address pulls up as a XXXX XXXX XXXX ) - Address provided when phone was reactivated : XXXX XXXX XXXX XXXX, MD XXXX ( This address pulls up as a XXXX Corporate Office ) I contacted XXXX on XX/XX/XXXX. They deactivated the phone and I reported the incident to the XXXX Fraud Department.
Consumer complaint received 2024-10-23
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

MCM-XXXX XXXX XXXX has been harassing me by phone for 10 years and with letters for 10 years for a debt from XXXX. I have moved 3 times and they still find my address and I put them on the do not call list and they just change phone numbers that they call me from to bypass it. I was punished for this debt in the form form of a XXXX as written off income by the company, XXXX. I had to claim it as income added to my real work income and I was taxed for it! They wrote it off if they sent me a XXXX yet MCM a 3rd party company will not quit bothering me for the debt because they want for me to pay THEM! They know it is wrong because at the bottom of the letter in very tiny print it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it to the credit bureau ''. I live in Texas and can not be sued for any credit card debt to begin with! They need to leave me ALONE!
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (CA)

NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease. 

I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX  has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it. 
2. it is stopping me from establishing good credit. 

I have also contacted via letters the creditor directly so they can also verify this account. 

Debt is listed on all 3 of my credit reports under : XXXX XXXX XXXX - Amount is {$820.00} Original Creditor XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these accounts were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX / XXXX 8.  XXXX  XXXX XXXX 9. XXXX XXXX.
Consumer complaint received 2018-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (IL)

STUDENT LOAN FORGIVENESS SCAM- I was contacted by a representative named XXXX XXXX XX/XX/2018 via phone from the company XXXX. He claimed that XXXX was a third party company that worked along side my student loan lender to help eliminate interest charges on my loan and to break down my payments into more affordable ones. He stated I was eligible to rid all interest accrued, make the first four payments $ XXXX/month, and I would then after only need to pay $ XXXX/month for the next 3 years until paid off. Every detail seemed very legit to me considering they had me sign a " contract '' with my social security number already on it ( which I never gave ) and a " forbearance form '' for them to give to my lender. Having little knowledge and experience with this type of situation I was taken advantage of. Luckily I started piecing it together. The day after my first payment was due ( due XX/XX/2018 ) I decided to do some research before the charge of {$110.00} completely went through on my credit card. I contacted my student loan lender ( XXXX  ) XX/XX/2018 to see if they had been contacted by XXXX at all. It was then I was told that my student loan company NEVER uses third party companies to assist with any form of loan forgiveness and that they have their own means in assisting borrowers with such. I immediately thereafter contacted my bank to have the transaction flagged as fraud, closed that credit card account, and was issued a new one. I emailed XXXX XXXX from XXXX whom was the last person to email me that I had reported them as fraudulent and to no longer contact me. Now somehow as of XX/XX/2018 a charge of {$110.00} has been taken again by this company which I have had to report yet again with my bank. Somehow the withdrawal is dated as ( XX/XX/2018 ) in my account. Huge headache.
Consumer complaint received 2024-10-23
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. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Arivo Acceptance, LLC (GA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -ARIVO ACCEPTANCE LLC XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud.

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OR)

I am complaining against Care Credit because the {$800.00} I agreed to pay back at {$27.00} am month I was doing with only being late in XX/XX/XXXXwhich I let them know and made up in XX/XX/XXXX. In XX/XX/XXXX my bill was at {$530.00} by XXXX it went to {$930.00}, which was a increase of {$390.00}. As of this month of XX/XX/XXXX, it is now {$980.00} and they are requesting that I owe {$220.00}. due for the month of XX/XX/XXXX. This is ridiculous, they told me when I had called them a few months ago that since I had not paid he original bill off by XX/XX/XXXX, interest is being charge on me. I did write them a letter to complain and I would report them, but they don't seem to care about that. I have continued to pay the {$27.00} each month by money orders but now the last letter they sent to me they claim they will turn this over to collections to pursue this debt if they don't hear from me by XX/XX/XXXX.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (TX)

Compliant ' As ' XXXX XXXX/Cardmember Services does not have a sense of urgency ' to its Clients '. 

Type of Problem ' As ' potential reported fraud that ' I informed XXXX XXXX/CardMember Services of XX/XX/2018. 

What Happened ' As ' Violations of Civil Disability Rights ' as Witnessed ' in participated needs for public corruption, extortion or solicitation of monies. 

What Company ' XXXXXXXX XXXX/Cardmember Services ( Credit ) XXXX XXXX  ( Debit ) WXXXX XXXX  XXXX, TX ( XXXX, XX/XX/2018 ) XXXX XXXX XXXX, TX ( XXXX, XX/XX/2018 ) Who is Involved, Informed ' ( XXXX ) XXXX XXXX XXXX ( ID Theft, Character ) _ XXXX XXXX XXXX Request for Determination US Attorney Office XXXX , TX_ XXXX Corporate Upper Leadership
Consumer complaint received 2018-08-10
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. (MI)

I was a victim of ID Theft as far back XX/XX/XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XXXX XXXX/XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.
Consumer complaint received 2018-08-10
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. (MI)

I was a victim of ID Theft as far back XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XXXX XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.
Consumer complaint received 2018-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated 6/16/18, 2nd letter sent 7/18/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an  extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

It's a Citi Diamond Preferred CC account. The payment was due XX/XX/18, I was in transit - flying. Had the flight gone as planned, I would have made the payment in time. As it happened, I was stuck on the plane on the tarmac due to equipment failure, then inclement weather for 5 hours. I did not have alternative means to pay the bill as a result of this situation. I sent in the payment as soon as I was able the next day. I then called Citi card services about the fee. I was told a request was put in, though nothing could be done until the fee was officially assessed on XX/XX/XXXX at the latest. The fee was assessed on XX/XX/18. I called about the request to remove the fee. The representative told me he put in the request electronically, it was immediately denied with no explanation. I asked if I could speak to a supervisor or someone higher in the chain of command who had authority to deal with this issue. He said no one has a higher authority to deal with fees, all positions have the same authority and there was nothing he could do. I find this highly improbable. I suspect this is an auto denial on all late fees regardless of situation. Ihave had fees dealt with from other card companies in the past. This is a policy that is not for the customer. It does not embody the value of a relationship that Citi cards claims to create.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovate Managed Holdings, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud. 

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

The company servicing my loan is Select Portfolio Servicing. I have had many issues with this company during the servicing process dating back many years. I am trying to get information from them the Mortgage Trust they are attempting to collect on. 
The trust is held by XXXX XXXX XXXX XXXX, being serviced by Select Portfolio, yet the payments apparently are being dispersed by XXXX XXXX. All of these banks have recent court rulings againt them as far as Mortgage Trusts are concerned. 
My mortgage is part of the XXXX XXXX XXXX XXXX held by XXXX XXXX. I am attempting to find information on the actual trust. Through my own research I can find no information on this trust past 2006. I have searched FDIC site as well as many others. 
I have talked with people at XXXX XXXX  that should have direct knowledge of the trust and they referred me back to XXXX XXXX who supposedly disperses payments for the trust. XXXX XXXX could tell me nothing. When I talk to Select Portfolio and  try to gain information on the trust they seem to know nothing about it as well. 
I have verbally requested info on this over 30 days ago and spoke with the Ombudsmen office today and still got nowhere They have accepted me into a payoff plan, which they only gave me less that a month to accept, I told them I needed the information on confirmation that the trust actually exists before I can start making payments. It is only common sense that you don't pay things when you have no idea where your money is going. Deadline to accept the plan is this Monday the XXXX and they will now extend it for me. They have also set up a foreclosure date even before they knew if I was going to accept the plan or not. The foreclosure date is for XXXX XXXX.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have ask the company to remove wrong name in adderss wrote of my credit file, this is the only company that is still report me with multiple names in address, have send in supporting document with my name in also address correct,
Consumer complaint received 2018-08-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LoanCare, LLC (GA)

I've received numerous letters from XXXX XXXX XXXX, XXXX. I have no contractual agreements with XXXX XXXX XXXX XXXX. I've required LOANCARE, under the burden of proof, to show where we had a contract, or show where they have given me or my estate, XXXX XXXX, Estate, XXXX XXXX and they never responded. I suspected fraud. LOANCARE is now represented by XXXX XXXX, who is now attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I DO NOT TO OWE ANY ANYTHING TO XXXX XXXX XXXX XXXXXXXX, NOR DO I OWE ANYTHING TO XXXX XXXX. All of this attempting fraudulent claims against XXXX XXXX is against my will and consent.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is the second request for TransUnion to remove the XXXX XXXX XXXX account number XXXXXXXX XXXX that is past the statue of limitations. They responded to your company that they were investigating but when I received the response they still have it listed. I have included a copy of their response as well as the initial report showing it is past the 7 year mark and is going on over 8 year. Their response only shows the payment from XX/XX/XXXX and at that time it was 120 late. That alone would indicate that it had to be at least 90 days late in XX/XX/XXXX, 60 in XX/XX/XXXX and 30 days in XX/XX/XXXX and that is the best case scenario. The initial credit report from the lender showed date last active was XX/XX/XXXX which that was not the case either. It also shows that the account was over 90 days as of XX/XX/XXXX again therefore making it 60 days in XX/XX/XXXX and 30 days XX/XX/XXXX so next month that will make this account 8 years over a year longer than it should be reporting.