davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is apparent that ( according to the enclosed report ) these companies are very unreliable when it comes to reporting my data accurately. All of these errors are on my credit reports and should be updated. 
Please also note that TransUnion and XXXX show that I have a 30 day late payment when XXXX is showing two. However, I am certain that I made ALL my payments on-time.
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I have tried repeatedly over the last few months to have PMI removed from my mortgage payment, but the lender has made this process extremely difficult to complete. Most recently, I spoke with my mortgage servicer, XXXX XXXX on XX/XX/23 to pay for an updated appraisal on my property. On that date I spoke with a representative who took my bank account information and informed me that a draft of {$190.00} would be made to pay for the appraisal. 

When I called back on XX/XX/23 I was informed that the representative had never completed the payment process and that I would need to go through the payment process again before the appraisal could be scheduled and completed. This has led to a delay in having PMI removed from my mortgage payment and resulted in having to pay this fee for an additional several months.
Consumer complaint received 2023-11-23
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. (FL)

This is my FURTHER Complaint that I was the victim of XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any ACCOUNTS which were opened without my knowledge, consent, or authority within XXXX business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TN)

I have proof that XXXX XXXX and XXXX should be off my credit report. I have a screenshot proving the Comenity account was paid off. I have a screenshot showing XXXX XXXX was taken off my credit. Both screenshots are from XXXX and XXXX sites themselves. Now Im fighting to get this off my credit again. The credit agencies are not doing their jobs. These companies are not validating this debt. Im getting tired.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MO)

On XX/XX/XXXX I reached out to the company NCS  and the address associated with the debt was not to any address I have ever lived or to anyone I know. I requested copies of all XXXX and agreements. Which hasn't been provided to date to me or the bureas they just say they verify the debt which isn't enough. The information was removed from XXXX when this information could not be produced to me or to them. When contacting NCS then XXXX, XXXX on XX/XX/XXXX they said they validated the debt to me but had not and would not provide XXXX or me any agreements, XXXX or items that link me to the clearmont crossing address for the debt. I then filed police report and XXXX to have on file and complaint to CFPB. If this debt is valid to me show me the application, show me and the bureaus where I signed an agreement or lease is The {$4500.00} debt reporting by National Credit System is fraud Ive never lived at the address and there is no public record of me receiving mail at such an address or owning it.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. These accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per erroneous entry in my credit file is stipulated.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently looked at my credit report, and I did notice that there were several and accuracy on my account. These accounts were opened without my permission. I am asking for an investigation into these accounts to ensure that accurate information is reporting on my credit report. The accounts that I am asking you to investigate are listed here. I have attached documentation to support these claims as well. These accounts are hurting my ability to obtain credit and it is my understanding that the bureau will investigate these accounts for me to ensure accuracy. 

I have attached a copy of my FTC report as well. 

XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - [ ] XXXX MORTGAGE XXXX XX/XX/XXXX - [ ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were opened in my name without my consent. These are fraudulent accounts that were not open by me.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding is reported on my credit report to XXXX and XXXX for an account that I do not own. They appear to be a collection agency and seemed to be managed by Resurgent Capital Services, I have never done business with them or the original creditor that they claim this item belongs to. I have tried to reach out to their company several times to get this item removed. It contains inaccurate and unverifiable information. Different information is being reported to different credit reporting agencies. I have been battling XXXX, XXXX, and XXXX for several years. During that time I have become a victim of identity theft. I was also a victim of the XXXX XXXX XXXX. I have reported this to my local police and the FTC. I have attached the Identity Theft Affidavit. I have also attached my drivers license and social security number for identification purposes. I would like this account removed from my credit report immediately as it does not belong to me.I have lived in Florida my entire life. This account is a collection account for an unpaid utility bill in Texas. I have also tried to contact the original creditor to get details on this account and to get it removed from my credit report.
Consumer complaint received 2019-08-14
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. (NV)

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXX Also Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

They call me at least 20 times a day. From different numbers. Now using my phone number to spoof others. The calling has been harrissingly repeated for over 3 months after I tell them I will be paying back but am financialy drowning. I want to even change my number because it's so non stop. capitol one They call from different numbers with my area code. I have MONTHS of these calls, attached are only a few DAYS worth.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX # XXXX has a late payment from XX/XX/year>, I need to see all bank transactions that belong to this company that would prove my payment was not accepted on time in XX/XX/year> or remove this unverified late payment. ACCOUNT XXXX # XXXX Has a incomplete and inaccurate payment terms Please delete immediately Please see attached
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I noticed my XXXX account has anywhere from XXXX late/missed payments throughout all 3 major credit bureaus. This information is inconsistent and false, as I have never missed a payment or been late.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/XXXX, the date of the XXXX issues, I got a haircut that I paid using XXXX XXXX. It was the only system working at the time. XXXX XXXX deducted the money from my account twice. The merchant confirmed they only received a single payment. I provided this information to XXXX multiple times ; however, despite all evidence confirming this was their error they have refused to refund the duplicate charge.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1XXXX Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX/dept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXX of XXXX opened on XX/XX/XXXXXXXX XXXXdept of ed opened on XX/XX/XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2024-05-11
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. (CA)

Have leased XXXX vehicles through XXXX XXXX. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions. XXXX XXXX XXXX XXXX just says to dispute them on credit report. I have disputed them and no change. 

They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. XXXX XXXX is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with XXXX and will never by a XXXX vehicle again. 

While looking into this, I found multiple other people suffering from the same issue with XXXX XXXX. It seems to be a common issue, and I caution anyone to lease a vehicle from XXXX.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This account has remained unchanged on my report for years after continued attempts at successful disputes. My most recent dispute has now triggered for this account to be marked as collections in XX/XX/XXXX when this accouunt was CLOSED AND PAID IN XXXX. I am asking that this account be REMOVED IMMEDIATELY AND ENTIRELY AS IT IS NOT REPORTING ACCURATE INFORMATION WHICH IS A DIRECT VIOLATION OF MY FEDERAL FAIR CREDIT REPORTING RIGHTS. The state that I reside in, North Carolina also has a set of credit reporting guidelines that collections can only report for THREE YEARS. This account MUST be removed from my report IMMEDIATELY.
Consumer complaint received 2023-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KY)

Back in XX/XX/XXXX, I attempted to make an online mortgage payment with Wells Fargo. I was unable to make the payment and got an error message saying NO PAYMENT REQUIRED DUE TO PANDEMIC COVID-19 FOR THE NEXT 3 MONTHS. There was no way to bypass this to make the payment so I called into customer service. The rep told me there was a request to suspend payments, and I advised that I had no need to suspend payments and I never requested a forbearance. He apologized, removed it from my account, and I set up a payment with him. 

I didn't think much about it, until XX/XX/XXXX when I actually needed to do the forbearance. I called into customer service and got a 3 month forbearance. However, when I got my confirmation paperwork in the mail, imagine my surprise when it stated that this was my 2ND 3 MONTH FORBEARANCE! I immediately called in, disputing this, saying that I had never missed a payment and never requested a previous forbearance. 

This issue has been escalated at least 3 times during the process, with everyone telling me that my call into customer service was to REMOVE A REQUESTED FORBEARANCE, when in all actuality, the call was made because I was unable to make my regular monthly payment No one can give me proof that I requested the original forbearance. The forbearance that I am in now, I got a ton of paperwork confirming the forbearance and what happens next. I never got anything like that with the " 1st forbearance. '' So now that I actually need the help, I am getting shorted 3 months in error. To be clear, I never missed a payment on my mortgage. But with shorting me 3 months in error, on the off chance that I actually NEED that extra time, I could end up in foreclosure based on that error! 

I have asked for confirmation or proof that I enrolled in the forbearance, and all I'm being told is that it was put on my account on XX/XX/XXXX and I called in requesting removal on XX/XX/XXXX ( which is the date I called because the online would not take my payment ). 

I definitely need assistance with this issue.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX has violated my rights.

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 reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-31
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. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Receivables, Inc. (SC)

I spoke to XXXX two months ago on my cell phone and explained that I was told my membership was to be cancelled via a conversation with the manager. I got a call at work last month XX/XX/ from XXXXXXXX XXXX  colleague. I told her to not call me at work and she said she would update that. I got a call at work again XX/XX/. I have requested all correspondence be through the mail. They are still calling me on my cell and at work.
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Mortgage loan was paid in full on XX/XX/XXXX. Mortgage servicer website shows the paid in full amounts, and amount of funds paid. Paid in Full letter was sent on XX/XX/XXXX. XXXX Balance Letter was issued on XX/XX/XXXXXXXX It also shows an escrow balance of {$1200.00}. 

Mortgage holder states there is no balance in escrow, and that escrow funds went towards payoff amount, which does not match with the amount of funds sent to them, nor their own paperwork. 

Select Portfolio Servicing customer service is stating that I have no balance in my escrow account and no funds are due, while the customer dashboard and payoff letters directly contradict this statement.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (TX)

I was a XXXX  customer XXXX XXXX XXXX had a promotion that would pay off the balance you owed on your phones if you switched to them. I switched and the balances of all cell phones on my account was paid off. I dont have a contract with Source Receivable MNG my contract was with XXXX . Source Receivable reported to my credit and I now have a collections on my credit report. They call my house 20 times a day they have called my job and threaten to have me arrested at work. I owe them nothing just like I owe XXXX nothing I have never signed a legal contract this collection company
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I ordered a XXXX XXXX XXXX  from XXXX in the XXXX website using my XXXX for {$2100.00} on XXXX Friday of 2022 and athe store called me and wanted XXXX more on XXXX for shipping the electric bike so I signed up with XXXX through my bank and they said this person was trustworthy using XXXX after calling them to verify the emails for transaction and bike was supposedly shipped now. So I paid XXXX more through XXXX  next day I get a text from XXXX my money is being refunded for XXXX. So called store only to hear he has problems with XXXX and wanted the money through XXXX. So I sent him the money though XXXX after receiving the money from XXXX and actually never was sent a thing for XXXX that I was scammed for including shipping and deliveries and custom fees that were all through XXXX and I reported a regulation e to my bank and they denied any credit and let the scammer get off with my money and would give me a charge back. So I want to know if I can get my money back from the bank since they know which account it went to and won't help me or give me my money I've complained to everyone involved and with no recorse from anyone