davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (SC)

This is my 8th 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 Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC (FL)

This collection has persistently reappeared on my credit report despite being removed multiple times for non-compliance. Originally dated XX/XX/XXXX, it now erroneously shows as XX/XX/XXXX. This alleged debt, exceeding six years and potentially seven based on the last late payment date, violates FCRA regulations, specifically 605 ( c ) ( 1 ), which limits reporting of debts beyond seven years. Jefferson Capital 's failure to respond to my validation request, despite my inquiry sent on XX/XX/XXXX, also violates FCRA 809 ( b ). I implore an investigation into these blatant FCRA violations and the fraudulent activity associated with this debt.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to the bureaus for reporting late payments on my consumer report that I did not give them permission to furnish and this is defamation of character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

On XX/XX/XXXX Specialized Loan Servicing, or SLS filed a Lien on my property without my consent. The issue is, I am not even aware of any debt or bill for the past 14 years from my original lender, and there is no collection or payment activity on the debt SLS is claiming I owe them. There is no communication or letter from my original lender transferring any loan to SLS. 

It is possible that my original lender must have granted forbearance, forgiveness, or write-off on the debt due to the market crash in XXXX and XXXX which prompted the modification of my loan in XXXX. 

However, SLS has sent numerous statements with inconsistent history on the payment of the debt they are claiming I owe them. They have also provided an inconsistent history of the original lender 's address and phone number. 

I have asked SLS for their proof of debt which they feel I am obligated to make any payments to them as they have never loaned me any money nor have I made any binding contractual agreement with SLS that makes me an obligated party to make any payment to them.

Recently SLS has threatened foreclosure action on my property and demanded that I pay {$46000.00} ( Forty-six thousand dollars ) in bulk otherwise my property will be foreclosed. I find this outrageous and I am requesting your assistance in stopping SLS from continuing to harass me. 

I am a senior citizen, a retiree, and a long-time resident of the state of Maryland, and I pay my bill. My mortgage payments are current and never late. That shows if this debt is genuine and was made known to me XXXX years ago it would have been paid off by now. 

Issues : 1. SLS-appointed trustees on the Deeds of my property without my consent.

2. Irregular mortgage notes and dates without my consent.

3. Inconsistencies in communication regarding the debt they are claiming I owe them.

4. No contractual or binding agreement between me and SLS that makes me an obligated borrower.

5. SLS has caused me mental anguish and financial hardship and I can not afford to pay them.
Consumer complaint received 2022-11-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-11-21
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$52.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$23.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$24.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MI)

Homeowners  Protection Act of 1998 states that PMI will be AUTOMATICALLY terminated upon reaching the 78 % LTV date. After repeated attempts to get CitiMortgage to drop the PMI ( never a late payment, well after the LTV 78 % date ), CitiMortgage insists on an appraisal ( at my expense ) to c ancel.
Consumer complaint received 2024-04-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (IN)

I am XXXX years old and permanently XXXX from a severe XXXX XXXX injury which happened in XXXX. I had XXXX major surgeries to date and more coming in the near future. I am on a lot of medication both for XXXX  and for XXXX. The medical coats associated with the injury have been enormous. We had received some paperwork from Loan Mart in the mail and applied for a title loan on our XXXX XXXX. We are still paying on that loan. We also were notified we could do a second loan on our other vehicle the XXXX XXXX which we did in the amount of {$2000.00}. In the last XXXX months I have had some health issues and the costs associated with those incidents have been unexpected and overwhelming. We stayed in communication with Loan Mart throughout the process and they did XXXXrant us a one month extension but of course continuing to charge their interest. My judgement and mental processing can be cloudy at times due to my medications. I am not a business man. I was in construction my whole life. A family member helped us out with a small loan to make ends meet while I was dealing with the unexpected health situations. They looked at the contracts we received through Loan Mart and were astounded. I had to be explained to what they meant. I have to pay back {$11000.00}!!!! on a {$2000.00} loan! This is robbery and taking advantage of the XXXX. The XXXX is my only mode of transportation to and from my medical appointments. The XXXX my daughter uses for work and school. This can not be legal! My family member said Title Loans are illegal in the State of Indiana and there is an interest rate cap, and that this loan far exceeds it! Please assist in this situation. This is not morally right.
Consumer complaint received 2022-11-15
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. (NJ)

On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I demand that this account be corrected immediately XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've reached out to Capital One 3 times to the first time on XX/XX/XXXX to get a refund issued for the credit balance on my account. I was told it would take 10 days for the check to arrive and seeing that it didn't arrive by the XXXX, I called on the XXXX to get an update on the status of my refund. 

I have still yet to receive the refund, I called yesterday and spoke to XXXX who said it should arrive by today and it still has not arrived. 

The website says 7-10 business days, at this point its been over a month.
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (TX)

We noticed our property taxes had not been paid, and the deadline was approaching. We made at least 3 phone calls in the month prior to the payment deadline telling them that they hadnt been paid. We also uploaded the tax bills directly to their portal to make sure they had received them. They assured us that they would be paid, and if not, they would be responsible for any late fees. They paid a portion of our taxes late. They never paid the other portion, so we sent the payment in ourselves, to avoid a late charge. They have now charged our escrow account the late fee they are supposed to pay, and have raised our monthly payment by {$400.00} per month because they say there is a negative balance. We have made another 3 phone calls with absolutely no resolution. Our taxes were lower in 2023 than they estimated, and they are still asking for thousands of dollars on top of what they already took from us to pay the taxes, plus we covered over {$700.00} worth our tax bill even though our escrow should have had more than enough to cover everything. We requested that we be allowed to pay our own taxes instead of it being billed monthly and held in escrow, so we can avoid the same hassle next year. It was denied.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/year> XXXX XXXX  I was replenishing money into my debit account at an ATM at Bank of America and at the last stage of replenishment the ATM turned off and the money was not credited to the account. The replenishment was in the amount of {$730.00}.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I demand that this account be corrected immediately XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-21
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, 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)

( SEE ATTACHED LETTER PROOF FROM CREDITOR PF FRAUDULENT INQUIRES ) TRANSUNION CONTINUES WILLFUL NON COMPLIANCE AND ASSISTING IN FRAUD AND DEFAMATION OF CHARACTER WILL USE THIS AS PROOF FOR LEGAL ACTIONS.
Consumer complaint received 2021-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (MI)

ON XX/XX/2020 I SENT CERTIFIED LETTERS TO XXXX AND XXXX EXPLAINING THE INACCURATE REPORTING AND ERRORS I FOUND ON MY CREDIT REPORT ABOUT WRONG ADDRESSES AND ACCOUNTS FOR THE AMOUNT OF {$110.00} FROM XXXX XXXX  AND {$130.00} FROM XXXX XXXX. THE ADDRESSES WAS CORRECTED BUT THEY COMPLETELY IGNORED THE REST. I RECEIVED A RESPONSE FROM XXXX  ON XX/XX/2020 WITH A CONFIRMATION # CORRECTING MY ADDRESS THATS ALL THEY NEVER RESPONDED ABOUT DISPUTE IN INVESTIGATION I HAVE YET TO RECEIVE ANY INFORMATION ABOUT ACCOUNTS PERTAINING TO ME FROM XXXX XXXX IN XXXX, TX XXXX OR XXXX XXXX IN XXXX XXXX, TX XXXX OR BUREAUS
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (DC)

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that 3 Credit Bureaus still indicate my dispute of information in my credit report. As of todays date, they have not responded to my dispute. According to the Fair Credit Reporting Act, 3 credit bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe was reported in error. XXXX XXXX XXXX XXXX Balance : {$420000.00} ; XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-03-03
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-11-15
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. (PA)

I am a victim of identity theft. There are fraudulent items on my credit report that need to be deleted. I did not make these changes. These fraudulent items need to be deleted off my credit report. This is hindering me from advancing in life.
Consumer complaint received 2021-01-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.