davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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)

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS INFORMATION!!!!!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (MD)

I am writing to file a formal complaint regarding a collection account labeled " XXXX  XXXX XXXX  that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-05-09
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. (MD)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-21
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. (GA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My personal information and credit were used to open a fraudulent XXXX XXXX Account # XXXX. This account has a balance now of {$17000.00} and is appearing on my Transunion credit report file # XXXX. 
I have filed an identity theft report and filled out this written statement as per requirements of the FCRA, and would like to exercise my rights under the FCRA 605 ( b ) to have this item removed in no less than 4 days of the receipt of 1 ) A written statement 2 ) An Identity theft report # XXXX XXXX ) Proof of the identity.
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 
I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A DEBT THAT IS NO LONGER VALID, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Consumer complaint received 2023-11-04
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-05-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, XXXX, TRANSUNION, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. 

The accounts in dispute and that have not complied with the correct verification are the following EXPERIENCE XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} TD BANK XXXX # XXXX. BALANCE {$4900.00} TD BANK XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} TRASNUNION XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXX  # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (FL)

-Total debt enrolled : {$10000.00}. 
-Total settlement amount : {$5900.00} -Total amount deposited into Dedicated account so far : {$9000.00} -Total amount still due in deposits : {$3900.00} We ( my husband and I ) hired FDR because they claimed that from our $ XXXX debt, they would be able to negotiate a settlement of 40-60 % for a small fee ( which they did do ). 

However, if you look at the above totals, youll quickly notice that their small fees will end up being MORE ( {$7000.00} ) than the amount settled. 

This company is completely dishonest and are taking advantage of people who are in a tight position. We would have never hired them if they had clearly told us that we would end up paying them the amount referenced above. 

To make matters worse, theres barely any money left in our dedicated account ( which had almost twice the amount we settled for ) and theyre claiming we still owe them deposits for the next two years. 

Can someone please help? I feel hopeless. How could this be legal?
Consumer complaint received 2024-02-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Well in my credit report it was telling me that I had to open account so I go to the bank and the bank teller tells me it's because I was left as a beneficiary so I got the certificate after I went back she said she couldn't find the account no more cuz they have a new system and they were just giving me a bunch of problems because the account was from XXXX  and the person who left me is for beneficiary she's not related to me but I knew her since a kid so I don't know who to ask information from
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XXXXXXXX XX/XX/XXXX {$81000.00} XXXX   XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX   XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XX/XX/XXXX {$630.00} XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX   XXXX XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XX/XX/XXXX {$19000.00}
Consumer complaint received 2018-07-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

My XXXX XXXX XXXX  was bought out by another company. The company is Selene Finance. I was never notified. I went to go pay my bill and saw the loan was removed due to  release on XX/XX/2018. I had to call XXXX to ask why this had happened. It took me about half hour to get through to them due to high call volume. They informed me that my loan had been sold to Selene and gave me their number. I asked why I had not been notified and she just said I am sorry you were not notified. 
I called Selene after being on hold for about twenty minutes. The rep. asked for my info and after getting it told me that this phone call was an attempt to collect a Debt. I told him that my account was not delinquent and he said yes that is true. He gave me my account number so that I would be able to complete my online account. I asked him why I was not notified since the first payment would be due on XX/XX/XXXX. He said that I would be receiving a packet in the mail very soon and then I could mail in my payment. I asked why I was not notified sooner, he had no answer. 
If I had waited for them to get me this info by mail and then mail it in, the payment would have been late. I completed the online account with Selene and scheduled a payment for XX/XX/XXXX. I see on the XXXX  that many people have gone through this with not being notified and then having late payments. Also it seems that this company has a problem with posting payments on time and others going in to foreclosure due to this practice.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (GA)

I received a letter, with a false accusation, dated XXXX that I was delinquent on my Property Taxes for XXXX XXXX XXXX. Nothing could be further from the truth. In accordance with XXXX XXXX I have appealed my property assessment. Because I appealed, I was not required to pay the full amount until 60 days after the appeal was settled. The appeal was settled on XXXX. I have until XXXX to pay the balance of {$200.00}. I have proof in the form of a bill, and an electronic mail from XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX. Mr. Cooper is notorious for making it impossible to speak with a Manager, to clear up their egregious error. Thus far, despite my correspondence, they refuse to rectify their error. This is the second time I have had this problem with them, and their XXXX XXXX, because of the slipshod and negligent practices of these firms.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

The number that they called is a business line that I have had for over 5 years. The person was looking for someone I have never heard of, but they spoofed the phone number. They claimed to be from MCM, Midland Credit Management and gave the contact phone number as XXXX. The number that showed up on my caller ID is XXXX and said " account services ''. The person claimed to be at a call center in XXXX and gave the address as XXXX, XXXX XXXX XXXX  The person could not tell me the address of MCM.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (CA)

Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX. XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information. In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information. I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly. Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. Thank you for your prompt and diligent attention to this important consumer protection matter. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear CFPB I am writing this letter complain about Bank of America change my XXXX   dollars and don't admit it.l just opened Bank of America check account one week ago. When l withdraw some money from my XXXX XXXX XXXX XXXX to my bank of America because l still used temporary card that time so it's failed, when the money returned to my Borker XXXX USD dollars disappeared, l called to my Borker asked who charge my XXXX dollars and they sent me little verified and confirmed bank of America charge my XXXX dollars with date evidence. l called bank of America more than 10 times and went to bank office spent 3 days try to fix this problems but they just don't admit it. 

I am visiter l believe there's more coustomer charge money for no reason because bank of America system problem, and they may can't speak XXXX or suit to expensive, so they give up. 

Bank of America need return my money and apologize wasted my time, l really disappointed about this low quality service, l can't trust Bank of America again. 

XXXX XXXX Looking for fix this problems XX/XX/2018
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I was working with my relationship manager XXXX XXXX XXXX at Ocwen Home Retention Dept.since XX/XX/XXXX, and she was helping me with loss mitigation offers since last year. Therefore, in XX/XX/XXXX I was offered a loan modification in which I accepted and submitted to Ocwen by email in which I received a confirmation on XX/XX/XXXX. During my myriads of telephone conversations with Miss XXXX at Ocwen I was reassured that while I was working with my relationship manager to find a solution for my loss mitigation options to retain my home Ocwen will not go forward with a foreclosure. However, in XX/XX/XXXX Ocwen filed a motion to restore my foreclosure case ( Index No. XXXX XXXX Supreme Court ). Even though I was working with Ocwen in good faith to get either a short payoff offer or a loan modification during the time period in which Ocwen 's Attorney 's filed a motion to restore my case for foreclosure I was appalled to learn of their action. Furthermore, when I when to Court today to inform Ocwen 's attorney 's that I accepted a loan modification and showed the attorney from XXXX, XXXX and XXXX XXXX. 
proof and confirmation of email they did not remove their motion to restore.There was a letter submitted to the Honorable XXXX XXXX XXXX on XX/XX/2018 by the attorney 's for the Plaintiff, through it's servicer, that an active " CFPB '' hold applies to the Action base on loss mitigation activity. 
In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time that it prepares to foreclosure on the subject property. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a life threatening medical emergency and made a late payment for the months of XX/XX/ and XX/XX/ on the account ending in XXXX  and for the month XX/XX/ on the account ending in XXXX. I paid off all balances owed and requested the accounts to be closed.