davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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 called your department after I purchased a credit report with XXXX XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that his was COLLECTION account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. XXXX of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX  XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2024-07-20
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC (NY)

I contacted XXXXXXXX XXXX XXXX and updated the mailing address for a credit card opened in my name. Account was opened on XX/XX/year>. I advised them to close the account advising this account was fraudulent. We reviewed the charges and the charges onthe card were mainly from a different country. They advised the investigation came back negative and concluded I was responsible for this. This investigation occurred I believe in XX/XX/year> when I first became aware of debt. When I asked what the determining factor in the investigation was being concluded against me, a rep via phone advised they couldn't provide that information. After speaking with a supervisor he advised me to mail a request requesting reason for investigation being closed. Also advised me to file a police report and mail off which was also done. For months I received no contact unless I called the creditor. I now come to see debt has been sold to XXXX XXXX XXXX for a higher amount than the credit was originally for. 

Original Debt was {$400.00} and debt was sold for {$780.00}. 

I contacted XXXX XXXX today who are unable to provide me the paperwork regarding the sale. I also attempted to contact XXXX XXXX and they'll no longer help me advising me to contact XXXX. I'm unsure how to resolve the situation. Technically there is now no documentation regarding this account. 

I can attach an invoice from creditor. Only documentation I have is bills. I have none of the original bills as I had to have the mailing address updated to my current address. 


I have another instance of fraud occurring with XXXX XXXX. Appears this card was taken out XX/XX/year>. Notating this card as I'm attempting to have this card rectified as well. No statement has been received regarding this bank.
Consumer complaint received 2024-07-20
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I had a load approved by XXXX for my studies. I do not know the reason why they did not use that credit in my favor and on the contrary I have to make this payment during these months. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I did not have access to my phone and I did not receive any notification, my XXXX were supposed to already be covered by XXXX XXXX XXXX XXXX XXXX and no one advised me or explained the process also and why did I not take those classes why did I XXXX XXXX XXXX XXXX XXXX XXXX in XXXX why I couldn't XXXX XXXX
Consumer complaint received 2024-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I have already filed a complaint with Mr. Cooper regarding our escrow account and asking it to be removed, which I believe is causing more problems for me. I received a letter in the mail saying our loan is under default because of our supplemental property tax payment. We paid our supplemental property tax installments together. We received a letter from Mr. Cooper saying we need to pay XXXX to XXXX XXXX or they will add the supplemental taxes to our escrow account. I called the county regarding this issue of XXXX cents, first they said they did not see any payment needed, then she said our loan company already knows we do not need to pay and that the county does not even send a bill if it is below {$9.00}, because there technically is no payment needed. The lady said multiple times that our loan company knows this information and should not be threatening anything. Again, I am asking for our escrow account to be removed, I do not appreciate the retaliation. They are saying we can not remove escrow because of lender placed insurance, which was not needed because I called multiple times saying I was getting it and was told I needed to submit it before the payment was issued on XX/XX/XXXX. I sent it before that. This experience with escrow has been ridiculous.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim oXXXX XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED COMPANY INFORMATION TRANSUNION LLC, XXXX, AND XXXX. SOCIAL SECURITY NUMBER XXXX, D.O.B. XX/XX/year>, NAME : XXXX XXXX XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. Chapter XXXX Bankruptcy bal. {$0.00}, Chapter XXXX Bankruptcy bal. {$0.00}
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I am writing to formally request the removal of an inaccurately reported charged-off account with Pentagon Federal Credit Union/XXXX XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Pentagon Federal Credit UnionXXXX XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Carvana Group, LLC (MD)

On XX/XX/year>, I received a email from Carvanas dispute team stating that they wont allow me to apply for a car loan due to them saying they discovered that information or documents I provided were potentially false, misleading or otherwise could not be verified. I explained to them that I never tried to apply for a loan and that my account was compromised. They said they made a secondary review and still prevented me from applying for a loan. They are assuming that the documents they received for a car loan was from me, but it was not. I should not have my account closed just because someone hacked my account. They did not fully verify all information given to them. They are only going off of what they received and not who actually submitted the documents.
Consumer complaint received 2024-07-20
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. (IN)

unfortunately, I am a victim of XXXX  XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
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)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-07-20
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. (TN)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
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)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
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: Westlake Services, LLC (VA)

On XX/XX/year>, I mailed Westlake a certified letter, receipt number XXXX XXXX XXXX XXXX XXXX XXXX, and they completely ignored me. On XX/XX/year> I mailed another certified letter requesting the documentations, they ignored me again.
Consumer complaint received 2024-07-20
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. (TX)

unfortunately, I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (FL)

On XX/XX/year> I saw XXXX XXXX XXXX of XXXX XXXX for an office visit. I made full payment in advance of the visit via credit card. During the visit, the provider performed no service other than to commit to perform certain tests on biopsy samples and report back to me with the results. The provider charged- and received - {$290.00} for a XXXX minute visit. The provider made me wait over XXXX hour XXXX minutes past the appointment time, costing me precious time during a workday. The provider then failed to conduct the medical tests in the days and weeks that followed. Upon calling his office on multiple occasions and being put on hold for hours, I was told that I would have to wait for the results. Upon still no response and calling further on multiple occasions, I was told that I would have to make another appointment - and pay another {$290.00} - simply in order to inquire about the follow up from the last visit. In frustration, I had to withdraw my payment. 
The provider is now using a debt collection agency to illegally collect payment for a service that was never performed.
Consumer complaint received 2024-07-20
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. (TX)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

I had just came home a few days before my payment was due I remembered and I was paying online. Im mistakenly put in the wrong account number twice after realizing what I have done. I contacted the company Discover card and paid it online. They did receive their money and they did, cut my card off for fraudulent activity they said it because I put the account number in there wrong twice. They did not offer to reopen my account. They continue to build me every month and they wont give me my car back even though I was paying on time. I am aware that they have taken my application and turned it into a security on the secondary market and they have been fully compensated from securities on the secondary market because of my and other applications.
Consumer complaint received 2024-07-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (MI)

He called ask for me. Told me whats my lawyer name. Refuse to explain the call. But had my phone #, address. This is a third party. I never gave XXXX to approval to sell my account or information to third party.
Consumer complaint received 2024-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I have a two private loans with the lender Navient for my XXXX degree. My school has been disbanded, closed and involved in many legal lawsuits due to many fraudulent mishandling with students, so much so, the school closed in XXXX. The XXXX XXXX XXXX XXXX XXXX has even granted me my borrowers defense application and erased my federal student loans. My degree can not be transferred to another school to further my education because the credits do not count, neither does my degree. 
On XX/XX/XXXX, I submitted a school misconduct application with Navient and provided more than enough documents to show how this school fraudulent. I was sent an email on XX/XX/XXXX, stating my application was denied. I called the Navient school misconduct number at XXXX and I was told they could not give me or provide me a reason as to why they denied it. They also told me I could not appeal the decision and if I wanted to extend my forbearance I would have to give them money up front to do so. I am unable to refinance my student loans with XXXX XXXX XXXX because the school 's name doesn't even exist. Causing financial hardships. The XXXX database of accredited XXXX XXXX and XXXX does not recognize this school.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

I am REWRITING to complaint to COMENITYCAPITAL/ALPH about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (CA)

I spoke with XXXX XXXX country tax collect this morning XX/XX/XXXX and they said on XX/XX/XXXX they sent an outstanding bill of XXXX. I was not notified by the county or amerihome mortgage there was any outstanding bill. Now the bill is XXXX. It is the responsibility of amerihome to notify me any correspondence of outstanding bills. They are responsible for paying this. I checked the tax collector website 2 weeks ago and it said the amount XXXX was defaulted and now after amerihome called I have a bill for XXXX. Very suspicious that the amount changed and now they are both telling a new story of what is due
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NJ)

LVNV FUNDING LLC is unlawfully disclosing INCOMPLETE/INACCURATE information on my consumer report! As per the XXXX 2020 XXXX XXXX XXXX XXXX ( XXXX XXXX ), the Original Creditor field MUST contain a value ( information ) in a debt collection account! As a Federally Protected Consumer, I am now requesting the removal of the incomplete/inaccurate debt collection account
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Goal Structured Solutions, LLC (CO)

I contract a student loan from XXXX XXXX and the loan repayment is managed by a third party called Launch Servicing. My loan amount is {$57000.00}. including fees. I started making interest payments on the loan on XXXX XX/XX/year>. I have made four equal interest payments of {$310.00} till XXXX XX/XX/year>. I started making $ XXXX  monthly payments on my loan interest from XXXX XXXX till date. 

The issue that arose was that, I have submitted my social security number to Launch Servicing for my interest payments to reflect on my credit report. Still, as of now, I have not seen the interest I am paying on my student loan from XXXX XXXX  reflected on my credit score and credit report. 

I complained to Launch Servicing and they told me they had submitted my credit details and payment history to the Credit Bureau for my credit score and credit report to be updated but none of that has been reflected on my credit report. Launch Service then direct me to reach out to the department of Credit Bureau for assistance on my issue. 

I will be glad for your kind assistant in resolving this issue. Thanks for your corporation in advance. 

Thank you. 

XXXX.