davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Re : Account Number : XXXX Item 's Subscriber Number : XXXX To Whom It May Concern, This letter is a response to the notices I received from your company and, more significantly, due to the inaccurate reporting to the Credit Bureaus. I want to make it clear that this is not a refusal to pay but a notice sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and other applicable consumer protection laws. I am requesting that the claim be disputed, and I am seeking validation. 
This is not a request for verification of the debt or proof of my mailing address. Instead, it is a request for validation pursuant to the FDCPA and any other relevant consumer protection laws. I am asking for competent evidence that I have any legal obligation to pay you. 
I request the following information : Clarification on the nature of the debt and the original creditor, XXXXXXXX XXXX 
An explanation and breakdown of how the alleged debt was calculated. 
Copies of any documents demonstrating my agreement to pay the alleged debt. 
Verification or a copy of any judgment if applicable.

Proof that the Statute of Limitations has not expired on this account. 
Confirmation of your licensing to collect in the state of New York. 
Provide license numbers and the XXXX XXXX or XXXX of XXXX. 
I dispute this debt, and until such time as the requested information is provided, all collection activities must cease. 
Additionally, I would like to bring to your attention that if XXXX XXXX XXXX or any affiliated company reports invalidated information to any of the major Credit Bureaus XXXX XXXX, XXXX, or XXXX ), it may constitute a violation of both Federal and State Laws. Any negative mark found on my credit reports will prompt legal action against your company for the following : Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Fair Debt Collection Practices Act ( FDCPA ) Defamation of Character Furthermore, the listing of this debt may be considered double jeopardy, a potential violation of consumer protection laws. If this debt is indeed a duplicate or has been previously resolved, its re-reporting may lead to legal consequences. 
If XXXX XXXX XXXX fails to respond to this validation request within 30 days from the date of receipt, I request that all references to this account be deleted and completely removed from my credit report. A copy of such deletion request should be sent to me immediately. 
During this validation period, I also request that no telephone contact be made to my home or place of employment. All future communications must be in writing and sent to the address noted in this letter by XXXX. 
I trust that XXXX XXXX XXXX will ensure the accuracy of its records before any legal action becomes necessary. This letter is an attempt to correct my records, and any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I'm not exactly sure what is going on with my loan from Higher Education Assistance Authority in NJ but I've had it for over 20 years with seemingly no progress. The original amount has been paid back several times over. I took out a private loan from another company around the same that I have since paid off for about the same amount of money. This loan amount just doesn't seem to go down. Making payments online is very difficult. The company won't allow me to sign up for auto pay even though I have had this loan for over 20 years! They also will not allow me to release my co signer and add a different one. I want the remainder forgiven and out of my life. I know something isn't right here. Please help!
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B may necessitate the removal of any erroneous accounts from my credit report. Could you review the documents? Several of the listed accounts contain inaccuracies regarding reporting, such as incorrect amounts and dates.
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Equifax is reporting information on my credit report that is negatively affecting my score. I disputed the authenticity of the collection account XXXX XXXX  in the amount of {$150.00} and it was taken off of my report. However EQUIFAX AND XXXX are still reporting this misinformation causing my credit scores to plummet. I have attached screenshots and photos proving that they are still reporting the account number, and XXXX is not. It is my understanding that all information reported must be ACCURATE across the board. So since this violates the law, I am formally requesting the CFPB enforce that they stop reporting and remove the collection account XXXX At once. Thanks
Consumer complaint received 2024-05-06
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. (OH)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2021-11-29
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. (FL)

My credit report looks not good. XXXX XXXX XXXX XXXX Where are these accounts came from. Im pretty sure that someone got my personal information. I dont know what to do now. My family is crying.
Consumer complaint received 2024-05-06
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. (KY)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-05-03
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
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. (PR)

Dear TransUnion Consumer Relations, I am writing to file a formal complaint regarding an unauthorized account that has been reported on my credit file. This account, associated with XXXX XXXXXXXX XXXX, was opened without my knowledge or consent, and despite repeated attempts to rectify the issue, it remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am deeply concerned about the accuracy and integrity of my credit report. The unauthorized account in question has not only damaged my creditworthiness but has also caused significant distress and inconvenience. 

Despite my diligent efforts, the responses I have received from XXXX XXXX XXXX have been limited to mere statements without providing any tangible evidence to support their claim of my authorization for the account. I have not been presented with any signed agreements or documents proving my consent for the opening of this account. Therefore, I am left without any evidence to justify the inclusion of this account on my credit report. 

I assert my rights under the FCRA to dispute inaccurate or unauthorized information on my credit report. I demand that TransUnion conduct a thorough investigation into this matter and promptly remove the unauthorized XXXX XXXXXXXX XXXX  account from my credit report. 

Enclosed with this letter are copies of relevant documentation, including correspondence with XXXX XXXXXXXX XXXX and any supporting evidence, to substantiate my claim. 

I expect a prompt and thorough response to this complaint, along with written confirmation once the unauthorized account has been removed from my credit report. Failure to address this complaint in a timely and satisfactory manner will leave me no choice but to escalate this matter to the appropriate regulatory authorities. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution and response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, I see a recent derogatory remark listed on my consumer credit report as a XXXX XXXX  bankruptcy from XXXX. I have confirmed with the court that they do not verify or report bankruptcies to the credit bureaus and I am requesting full and authentic verification of this remark. 
Please verify that this public record is being reported completely and accurately. 
Please verify that that complete and full court name is reporting this. 
Please verify that the full, complete, and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date, file date, paid date, and settle date. 

If you are unable to verify any of the requested information requested from the court and unable to provide proof of this verification, I request that you remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

I have a navy account for years. I have used their transfer services and made transactions for years. On XX/XX/year>, I added an account to but did not make the transfer especially after I was advised the account was not a good account. I did an appeal with Navy and they denied my appeal. According to there reason was Based of the facts of the investigation, we determined that was no error and that I benefited from the transaction. That was the only info they provided which is incorrect. I also never got a confirmation that they transfer was even submitted. I did a XXXX transaction in the amount of {$1500.00} and I did authorize that and I received confirmation. However, that {$3500.00} I did not get a confirmation. I did attach letters and my email account that show nothing came to me notifying me that I submitted that payment..
Consumer complaint received 2024-05-06
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. (CA)

Hard inquiries from XXXX  XXXX on XX/XX/year> Called XXXX to get it removed but they didnt help, I want these inquiries to be deleted on XXXX, Trans Union and XXXX I did not authorize these companies to run my credit report, under the USC 15 Section.
Consumer complaint received 2024-05-06
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. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2024-01-22
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. (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-09-19
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting my XXXX complaint today to reiterate my last complaint dated XX/XX/XXXX. Anticipating another monthly update for my credit reports through XXXX XXXX within 15 days, I sincerely request the Credit Bureaus to remove these fraudulent items from my credit reports. I have re-attached the new FTC Report XXXX and the identity verification documents. The following items need removal, listed per bureau : -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX. Let me reiterate that FCRA Section 605B ( a ) mandates that Credit Reporting Agencies remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than XXXX business days after the date of receipt. Additionally, FCRA Section 605b stipulates that Credit Reporting Agencies are required to remove any items listed on an identity theft report.
Consumer complaint received 2024-05-06
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. (NC)

There are unauthorized inquiries that are unlawfully being reported on my credit report. 
Transunion- 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 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I have a conventional mortgage with Ditech Financial, LLC located in XXXX XXXX, SD. Up until the summer of XXXX, it was a P & I loan only, with no escrows. I always paid my taxes and home owners insurance outside of the mortgage. In XXXX of XXXX, I entered into a Chapter XXXX bankruptcy. In XXXX of XXXX, Ditech arbitrarily raised my mortgage payment from {$1300.00} to {$1600.00} for purposes of collecting funds for escrow purposes. As I always paid my own taxes, I did not actually think this applied or perhaps was an error, and kept sending them my regular {$1300.00} payment. 

In XX/XX/XXXX, I got a letter from Ditech stating I was delinquent on monies owed them, and that I needed to send them just over {$8000.00}. This was about five days before XXXX! They had also turned the case over to National Bankruptcy Services who seemed to act as some third party agent for Ditech. For the most part, they would not share any information about what this matter was really all about. After several calls to them, I was able to learn that it all had to do with the extra money that Ditech was assuming to collect from me back in XX/XX/XXXX. A person there did admit it looked as though an error had been made on Ditech 's part and that they really didn't need any escrow money. 

I also contacted my county tax office and had them send me a copy of my paid bill with a check number showing that I had, in fact, paid the tax bill myself for XXXX. I sent a copy of this notice and a letter via certified mail to Ditech, the bankruptcy services company and a collection agency that had now also become involved. 

This week, I received a packet in the mail from Ditech showing some kind of payment history for me, which concluded with a letter stating I still owed them over {$7000.00}. Once again, I called Ditech and spoke with a girl there, and after an hour long conversation, she admitted that two payments made by Ditech for my taxes in XXXX had been reversed. Her only explanation given to me as to why Ditech still seemed to think I still owed them money was because I had not paid my taxes by the initial due date and that the taxing authority had notified Ditech of this. As a result, they again looked for escrow funds to cover the tax bill, even though I did end up paying it in full with my money. She said there was nothing she could do about the owed balance of {$7000.00}! 

So essentially, the bottom line of this story seems to be that Ditech is looking to collect money from me for tax bills they never paid. Unless, of course, the tax office simply took my money and Ditech 's and kept their mouth shut. Highly unlikely. As it is impossible to get through to anyone at Ditech who can truly understand this dilemma and think outside the box a little, I am protesting their claim for further payment. My position is, and always has been, that all I ever owed this company was my P & I mortgage payment, until I voluntarily added in extra money for tax escrow last summer.