davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to Original Complaint # XXXX, I requested to have all accounts placed in collections/charge off status has been reported without the creditor mailing me a copy of my IRS form 1099-C or 1099-A, operating as a scheme to continue collecting from me even after the debt has been written off. This is in violation to 26 USC ss 6050P. Some of the items are still reporting unlawfully. This is a FINAL request to have all derogatory account information deleted from my credit file within 10 calendar days or I will be forced to officially file IRS form 3949A and IRS form 211 against all entities involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In addition to derogatory accounts, there are several instances where my personal information has been reported incorrectly. The ONLY spelling of my name is XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX. My ONLY current address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. My correct social security number is XXXX. My correct date of birth is XX/XX/year>. Please make these corrections effective immediately. This is a FINAL request. My next step will be to officially file IRS form 3949A and IRS form 211 against all entities involved. This is in clear violation to 26 USC ss 6050P.
Consumer complaint received 2024-05-17
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. (TX)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Since XX/XX/XXXX I have been assigned XXXX ( XXXX ) " Dedicated Loan Specialists '' from Nationstar Mortgage , LLC to assist me through my Loan Modification process. My most recent specialists, XXXX XXXX XXXX states on his voicemail states that his name and contact number were erroneously added to thousands of Nationstar Mortgage correspondences by a computer mistake ; He then gives you the general number that contacts an automated response. I found out yesterday ( XX/XX/XXXX ) speaking to a Nationstar Customer Service representative that I do not have nor did I ever have a Dedicated Loan Specialist assigned to my account ; furthermore, he stated that my history had no one assigned to my account. ( This must be why I have not been able to reach any of these people! )
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (VA)

I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A - states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 - It also states a consumer credit reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of *I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to XXXX per month per illegal reporting.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MS)

I have included proof that these accounts are inaccurately report as delinquent accounts. One bureau is reporting accurately and the other is not. This tome sounds like a billing error.

For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Consumer complaint received 2024-05-17
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)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-05-17
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-12
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. (NY)

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 
XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I had believed I was gaining employment with XXXX XXXX, a at home data entry position, being XXXX  and able to stay home with the baby and still contribute to my family. This was an ideal position. I had an interview which I believed was from XXXX along with filling out an employee form. I was advised I would have to purchase a laptop along with associated software from their vendors but the company would send the checks to do so with. After receiving the checks I deposited them in my bank account. I got a text from Webster Bank stating, Funds are normally received within two business days. Please keep your paper checks until the funds are posted to your account I waited before sending any money to the vendors until the checks were posted to my account, as per instructed from the bank leading me to believe the checks were legitimate. I did keep the checks even though they were posted to my account and have been able to include them in my police report along with the complaint I have made to F.B.I. cyber crimes. After sending several checks I decided to check my app for my bank and found payments were being made at the same time the checks were being charged back. I dont understand why those payments werent stopped. I immediately called the bank and was advised I had to file a police report and go to the branch. I went to the Webster Bank, the XXXX branch where I spoke with XXXX XXXX, director of banking, showed the police report and asked why the checks were posted to my account without any hold on them, leading me to believe they were legitimate. I was told by XXXX that by federal law the bank has to post a check within 24 hours. I requested to stop the payments and was told there was nothing they could do, checks charge back even 4 days after I was at the branch with a police report.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advantage Credit, Inc. (OR)

On XX/XX/year> I noticed that Advantage Credit Inc. ( at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) placed an inquiry on my XXXX, XXXX, and XXXX credit report files dated XX/XX/year> for XXXX XXXXXXXX. I do not know of a XXXX XXXX and I have not ever had a mortgage loan with them. I did not authorize this inquiry. I have disputed this hard inquiry ; this XXXX XXXX XXXXXXXX '' inquiry should be deleted from my credit reports from all 3 credit bureaus. 

My mortgage loan was originally with " XXXX XXXX XXXX XXXXXXXX '' and was reported as an inquiry on my XXXX, XXXX, and XXXX credit files dated XX/XX/year>. I received a Loan Approval email letter from XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/year>. 

Overall, I have been dinged with 2 hard inquiries when I have only worked with 1 mortgage loan lender. I need to remedy this situation.
Consumer complaint received 2024-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC (AZ)

Loan XXXX This is email i sent planet home lending, they are taking out monthly mortgage payments from the XXXX i semt them, they put it in escrow and are using it to make my monthly pymts. I write on my checls to them apply extra to principle. I didnt say to leave it in escrow account, XXXX  are misusing my money My name is XXXX XXXX XXXX sent a check in for XXXX XXXX XXXX dollars The payout amount was XXXX something. 
And you got my payment XX/XX/XXXX and it cleared. I'm sorry. Why haven't you applied that to my loan principle on my checks? I write extra towards principle so that {$26000.00} should have been applied to my loan. And it has not when will this be done I have sent another {$1500.00}. To cover taxes and insurance if needed. I would appreciate it if you. 
Applied my funds to my loans so I could pay off my house. If you're confused about this, please call me or email me so that I can tell you to pay off my house. That's why I sent the {$26000.00} and the {$1500.00} that you will get doesn't. 
Seem right that you're holding my funds instead of paying off my loan as instructed on my checks. I don't want to have to complain outside about this. But I will call the XXXX XXXX XXXX. Also, you have my money. 
You know what I want to do with that money? Pay off my loan Why is it taking you so long to do this? Were you just holding it? Thinking that you will just pay off every month to the mortgage. Payment from that amount in escrow. That's not what I want. Pay off my lone otherwise you're stealing from me. {$26000.00}.

Consider this my letter of intent. The next time I have to contact you I will be calling Your legal department Please quit screwing around with my money and pay off my house. 
Thank you XXXX XXXX XXXX You will be getting the {$1500.00} in a few days. 
If there's any taxes or insurance that you have to deal with and need money.That 's what it's for pay off my house!!!!!
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have used the Citi Costco credit card ( acceptable anywhere ) on XX/XX/2024 to pay {$300.00} at XXXX via XXXX. There was no disclosure anywhere in XXXX that fees would be charged for using a credit card, and others said that they were not charged anything extra by their credit cards. Citi slammed my account with a {$15.00} cash advance fee and interest charges. They also showed the transaction pending from XX/XX/XXXX to XX/XX/XXXX, when the statement was issued, so I could not dispute it in between. I called them to dispute it, but the refuse to remove the charges. Its very misleading to consumers. I did not know that cash advance is even an option for the credit card. They should have either denied the transaction or added more prompts, so customers are aware of the extra charges.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (UT)

Express Recovery Services , Inc. filed a lawsuit against me to try and collect {$150.00} for services allegedly provided to me by XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX for an apartment that I never even lived at. They are trying to collect {$350.00} in attorneys fees, which is more than double the principal balance of the debt they are even alleging that I owe. 

The document that they provided as evidence that the debt was sold to them by XXXX XXXX is dated XX/XX/XXXX, which is two years before they are even alleging that I incurred the debt. 

I was served with a summons on XX/XX/XXXX, which is the first I even learned that Express Recovery Services was even trying to collect a debt. I emailed the attorney listed on the complaint and provided him with a copy of the answer I intended to file with the court. In it, I explained that I never resided at that address and that even the apartment manager would attest to that. 

Thinking this would deter any reasonable person from filing a claim, or at least validating the debt before doing so, they filed the claim against me in court anyway. 

It is unfathomable to me that a company is allowed to operate this way, much less an attorney who is licensed to practice law. Express Recovery Services should be fully investigated for their practices and tactics, as they dont actually care who owes the debt, or how small it is. 

They were hoping I would roll over so they could get their default judgment and collect attorneys fees from me.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (PA)

I went to XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX ( phone : ( XXXX ) XXXX ) on XX/XX/XXXXXX/XX/XXXX with an initial pretip charge of {$45.00} on my CITI bank credit card. The final charge from the merchant on my card was {$500.00}, which is greater than any reasonable tip. 

I tried contacting the merchant, XXXX XXXX XXXX, via phone call, email, XXXX, and XXXX for resolution or a copy of the receipt for the purchase. I did not receive a response from them through any form of communication. 

Following that I disputed the charge with CITI bank online and through certified mail. The company decided that I was responsible for the charge since I can not get a receipt despite my communication about the noncooperation of the original merchant to provide a receipt. The bank did not contact the merchant themselves for more information.
Consumer complaint received 2024-05-17
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-17
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-06-20
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. (TX)

I do not recognize this account as reported and believe it does not meet the FCRA guidelines. The payment history, payment standing, current balance, past due balance, date open, date last active, and date of first delinquency are all incorrect or in some cases completely missing. I ask that you get this fixed so that the account reflects a complete picture of my credit ability. 
XXXX XXXX XXXX is a debt management plan that I participated in from XX/XX/XXXX to XX/XX/XXXX that managed all accounts and payments as agreed by Me and all account holders involved.
Consumer complaint received 2024-05-17
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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-06-19
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. (GA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX