davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

Dear CFPB I was notified on XX/XX/25 via an alert on my XXXX that a new collection was added to my credit bureaus. I have no knowledge of this account and possibly is a part of my identity theft. My name and credit information has been used with opening of accounts that I have no idea of. 

I am asking that you please step in to assist with the removal of this erroneous information and they delete this negative tradeline immediately. It is listed on XXXX, XXXX  and XXXX. My credit is important to me. I have attached a letter. 

Thanks
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (NY)

hi there i called this comapny on XXXX and told them i do not owe the amount of XXXX there but they said you do i then said i have proof on my online account with my account number its paid in full there still refusing to take that info there and close out the account then i was put on hold and the line hang up on me there fore im not sending any money into this place after i have proof i have paid them in full i paid them on XXXX in the full amount so my words are they are not going to see any funds from me becasue my end and i have proof its paid i want it removed from the collection ageny asap there
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I signed up the Citi checking and saving accounts in XX/XX/2019 via the promotion. I was supposed to receive a {$500.00} cash bonus for completing the deposit and direct debit requirements according to Citis advertisement. I contacted Citi several times during this process. Each time I was told that I had completed all the requirements. Citi guaranteed the bonus should be deposited before XX/XX/2019. I have attached the previous chat logs with Citi. However, the time has long passed but I still have not received the promised bonus. After contacted Citi one last time, they told me I was not qualified for the promotion, which was against with what they told me before. I believe Citi lied to me and gave me, the customer, the wrong information during this entire process.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.
Consumer complaint received 2019-11-27
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. (TX)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (ID)

In the final week of XXXX, 2018, I switched from XXXX XXXX XXXX XXXX provider service to another wireless carrier. I asked for complete cancellation of services and to pay my bill in full. I paid the rest of what I owed them and they said I was released of all obligations, liabilities and debt. I don't have a reference number from the phone call because I didn't think to ask for one and they didn't offer one, but they should have my phone call in their records still ( from number XXXX ). Yesterday, I am alerted by XXXX ( official XXXX mobile app ) that my credit scores have begun dropping due to a new collection. I was never contacted by XXXX XXXX XXXX about a past-due balance, if they told me in error that I had closed and paid-off my entire account XX/XX/2018. The collections company they apparently sold the debt too, " Sequium Asset Solutions '' ( SAS ) as they are showing on my credit reports, has also failed to initiate any sort of contact with me or notify me of my rights to dispute the debt. I am reaching out to you proactively before I start down a " black hole '' of call center futility reaching out to XXXX XXXX XXXX or XXXX as I am closing on a house in XXXX and can not afford this gross incompetence and flagrant violation of consumer protections in place to affect my credit score. If there truly was anything owed after they told me there wasn't, I would have promptly paid it immediately upon receiving receipt of valid charges/billing. Thank you in advance for your help. My account with XXXX XXXX XXXX is/was also under the phone number XXXX and my wife 's number XXXX, now ported out to our current provider service. To further complicate matters, because my phone numbers are no longer with them, upon logging in to my XXXX XXXX XXXX account, they are refusing to show me any records like bills or receipts. I received 100 % of my correspondence in my online profile with them, they never mailed or even emailed ( except to send me a PIN or let me know my credentials were updated when I requested those maintenance items ).
Consumer complaint received 2019-11-26
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: EQUIFAX, INC. (FL)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2019-11-26
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. (AZ)

I disputed the 3 students loans on my credit report with the 3 credit bureaus because they have inaccurate/incomplete payment history on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other dates. All 3 bureaus sent back results saying verified as accurate. I uploaded doctuments showing that there are months that have unknown/no data for the paymemt history. I got the same results back after the re-investigation saying verifiedas accurate. Ive asked them to send me documents on how they where verified or delete them and they have done neither.
Consumer complaint received 2019-11-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (AZ)

I needed a small loan of {$500.00} and when speaking to the consultant on the phone ( XX/XX/XXXX ) I was very specific about that number despite them trying to push a larger amount on me. She assured me that though I was approved for around 2k, I would only be getting the {$500.00}. Once I looked at the contract ( which I no longer had access to once it was signed by the way ), I saw that they had me set up for 16 payments of {$140.00} which far exceeds what I borrowed and the initial interest discussed ( which I can't recall at the moment but will never be able to confirm since I can't see the contract anymore ). I expressed this concern to the consultant who assured me that I wouldn't be paying that much if that's not what I borrowed and can always pay off my quote early to end it. 

Well, several months and about 1k later, I'm still making payments. I've called twice, the first time when I mentioned I wanted to talk about my payments, the phone operator became very short with me and told me she'd have someone call me back. That never happened. I called again and I got into a small argument with another person who told me that I agreed to keep paying because I didn't pay off what I owed early and that because I didn't, I agreed to have 60 % interest added on every time which is why I'm still paying toward over 2k. That was never mentioned in my first phone call with them and I don't remember that being part of the contract, which, once again, I do not have access to anymore. 

Based on other reviews I've seen about them, they are hands down a predatory lending company and I'm afraid that they are not going to contact me about this like they said they would since that didn't happen the first time.
Consumer complaint received 2019-11-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NV)

My original mortgage company was Quicken Loans who transferred the loan to I believe the name was XXXX/XXXX. It would seem this deed of trust has no reconveyance between the two. I have refinanced a few times since and my Deed of trust is currently with XXXX XXXX. I have now started a refinance with XXXX XXXX  XXXX  and the title company has found that Quicken Loans still shows a deed of trust with them. I made three separated calls to Quicken in hopes of getting the letter of reconveyance, but to my surprise they have NO record of me or my wife. This was verified on each call using names, ssn, birthday, and of course the property address. XXXX XXXX  XXXX  has explained to me that with out this open deed of trust being removed they will not be able to continue.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I have documented all correspondence with your company. Please remove these fraudulent accounts and please correct and update the inaccurate information on my credit report, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2019-11-27
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)

I started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc (CA)

Blockfi is still sending me communication regarding their fraudulent bankruptcy case, and asking me to make payments to them despite all the previous attempts I have made to get them to stop. I have been extensively harassed as a result of Blockfi 's criminal actions and suffered damages FAR in excess of what they claim in the bankruptcy. I will not accept anything from Blockfi 's fraudulent and coercive bankruptcy, and I will be sueing them as part of a much larger lawsuit in the future. They are currently conspiring to committing securities fraud as the intent of the bankruptcy plan.
Consumer complaint received 2023-06-16
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/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
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

Hello, I had a loan with XXXX XXXX XXXX along with XXXX XXXX and XXXX XXXX which ended last year. We made all our payments on time and had no issues. Mr. Cooper bought our loan and we are in the process of refinancing and it says that we deferred our payments until XX/XX/2022 which is incorrect. We also don't mind if we actually deferred but we paid the loan off completely in XX/XX/2022. Additionally, we just wanted to speak with them so we could address the issue and get documentation for our lender because we could not find any. For over a week we can not get through, they make it impossible for you to have a conversation. We also can't even find a proper email to send a message other than one for payoffs. This has been horrible customer service. We ask that they just remove the deferment note from our credit reports so that we can move on because this has caused us an issue for a long time and we are in jeopardy of not being able to refinance now because of their lack of communication. This is personally hurting us. Thank you.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

This account is due to fraud remove from my report immediately Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4 ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance! You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.
Consumer complaint received 2023-06-16
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

My dispute was mailed to EXPERIAN and delivered on XX/XX/year>. Despite clear instructions to delete specific accounts, EXPERIAN failed to remove them. Today, I contacted EXPERIAN, and the conversation was recorded. During the call, a representative confirmed receipt of my certified letter on XX/XX/year>, but also acknowledged that no investigation has been initiated. 
I reminded the representative that under U.S. Code 1681i, EXPERIAN is required to complete an investigation within 30 days of receiving a dispute, a timeframe which has clearly been exceeded. Additionally, I received no communication within the legally mandated 5-day period confirming that my request was being processed. 
Given this complete lack of response, I am demanding the immediate removal of the negative accounts, per the instructions in my letter. 
Furthermore, under 5 U.S. Code 6802, which restricts disclosure of personal information, I did not authorize any third-party company to report inaccurate accounts on my credit report. Experian did mention they were not affiliated with any third party company.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-03
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.