davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC (MA)

For over 4 weeks, I've received between 4 and 10 phone calls a day from a variety of fake numbers that hang up on me when I answer. When I call back, they proudly announce that I have called Frontline Assets Strategies and proceed to illegally record the conversation without consent. My state requires all party consent.

At least 8 different numbers are used and the people who answer the phone are using fake names like " XXXX '' and " XXXX '' and other decidedly fake names from clearly foreign sources. 

( XXXX ) XXXX ( XXXX XXXX XXXX As I have absolutely no unpaid debt. I use my debt card for all purchases and the number they call is an unlisted, unattached, Do-Not-Call Registry number this is obviously fraud. They continue to call after being repeatedly told not to call.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

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
Consumer complaint received 2023-06-02
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-22
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. (OH)

I contacted experian and other 2 major credit reporting agencies and told them my defaulted student loan could not be used negatively against me for 2 reasons, # 1, my repayment loan page says 0 dollars is owed every month, # 2, All student aid repayment has been suspended for a couple years and nothing is owed currently, the irs in person and on phone agreed they shouldn't be allowed to.

After disputing with them they refused to correct this issue, which is still negatively affecting my credit.
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC. (PA)

I have told company many times to quit calling me and have tried to dispute claim becuz I was not only person on the loan so I feel I should not be held responsible for the whole debt I also tried to negotiate the debt down but they would not work with me
Consumer complaint received 2023-06-01
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. (TX)

This is a debt thats third party and its not mines its illegally to collect a debt thats not yours I dont know them nor do I owe them thank you please remove this fraudulent collection off my records please
Consumer complaint received 2021-03-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

XX/XX/XXXX Substitute Parties Motion Granted from XXXX XXXX to XXXX XXXX XXXX XXXX which upon information and belief engaged in " Theft by Deception ''. 

XX/XX/XXXX Foreclosure Motion for Summary Judgment Granted for Principal Balance ; Interest from XX/XX/XXXX plus per diem {$8.00} ; Escrow Advances ; Fees ; Corporate Advances ; Suspense Balance ; reasonable counsel fees. 

XX/XX/XXXX XXXX XXXX stayed by attorney for loss mitigation with servicer. 

XX/XX/XXXX Entered into a trial modification agreement requiring an initial payment in the amount of {$7400.00} and six additional monthly payments through XX/XX/XXXX in the amount of {$970.00} which is an amount well in excess of regular monthly payment of {$630.00}. 

XX/XX/XXXX Trial modification completed and non-performance of permanent modification agreement by XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX letter to CFPB Complaint states, " While XXXXXXXX XXXX as Trustee may be identified as the nominal mortgage owner, and XXXX appear on certain foreclosure or other documents, as RMBS trustee, we have no authority to review and/or approve or disapprove of these decisions and actions. '' XX/XX/XXXX Loan allegedly sold to new investor owner however, no instrument at Recorder of Deeds. 

XX/XX/XXXX Notice of Sale of Ownership of Mortgage Loan sent by servicer. 

XX/XX/XXXX XXXX XXXX monthly payment in accordance with trial modification agreement with total payments in the amount of {$15000.00}.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (DE)

On XX/XX/2021 I received an email from Chase advising me to call for a periodic review. Upon receipt of the email, I called to see what was needed from me. After going through the verification process, the gentlemen I spoke with advised he was going to ask a few questions to help him review my account. Please see below on some of the questions asked. 

1 ) income 2 ) what are you using ur credit card for 3 ) have a personal loan through another company, what was the personal loan for?

4 ) why was my balance so high?

5 ) where did I get the funds to pay my balance?

6 ) did I take a 401k loan to pay my card off in full?

After answering the questions, the gentleman advise now that I have paid my balance in full they were lowering my line of credit from $ XXXX to $ XXXX. 

Here is the problem, I felt the questions were way to invasive. Personally speaking, why would a credit card company ask if you took a XXXX loan to pay ur balance? Sounds like discrimination to me. Additionally, he never advised me of the possibilities and to be honest this was a deceptive practice or the agent I spoke with was deceptive and unfair in his approach. Quite frankly, down right XXXX. I can totally understand a credit card company making a decision like this if I was not paying on time and didn't pay the balance off in full. 

I did inform the gentlemen that I felt deceived and that he was making an uninformed decision with the little information he had available. I advised him I used my savings to pay my cards and personal loan off that were showing on my credit report and that at the time of my statements cycle it will show as being paid in full.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After reviewing my credit report access all 3 credit bureaus, I noticed inaccuracies regarding this account. 
TransUnion and XXXX are reporting late for the months of XXXX of XXXX while XXXX is reporting late for the months of XXXX of XXXX. These inaccuracies are impacting my scores and is a violation of 15USC 1681.

15 usc 1681 code ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These late payments being reported are also on violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1666b Per XXXX credit bureau By definition an open end consumer credit plan is XX/XX/XXXX Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Consumer complaint received 2021-03-22
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: EQUIFAX, INC. (IL)

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account is not mine XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. This account resulted due to identity theft. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date opened : XX/XX/22 Balance : {$280.00}
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

On the day XX/XX/2020 the agency XXXX contact me to collect a debt to LVNV FUNDING LLC on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history
Consumer complaint received 2021-03-22
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. (IL)

On XX/XX/2021 I checked my credit report. Only to find lots of incorrect and fraudulent information on my credit report. I immediately called Transunion, XXXX XXXX XXXX to have the inaccurate and fraudulent information removed. I was informed to put something in writing, along with a FTC report that needed to be submitted, my Drivers License, and one current piece of mail to validate my true identity along with address. I followed the direct orders give by each representative and nothing has changed on my report. I mailed another letter on XX/XX/2021 with another request to have the inaccurate items removed, along with their Method of Verification. I got my credit reports on XX/XX/2021 from Transunion, XX/XX/2021 from XXXX  stating their fraud department flagged my documents as fraudulent. I am just disappointed and upset the system they are using to verify documents is out dated and is causing my credit integrity to be compromised. They have disregarded the consumer laws and have shown a lack of correct reporting.
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (VT)

At the end of my lease i called to have my in person inspection done. They explained that they were not doing inspections due to COVID but i could drop my automobile off at the dealership. I dropped the vehicle off and that was the end of it until i got a bill for new tires. I had just put new tries on the vehicle. Apparently they were not the right speed ratio. I called and explained that due to not having an in person inspection i was never able to rectify the situation. I said well if i have to pay for new tires then i would like the tires that i put on the vehicle. They told be the tires i had put on were sold with the car. The bill for the new tires they are charging me are {$600.00}. My question is why am i paying for new tires when the others were sold with the vehicle? I feel i should have been able to take care of the matter when it was inspected but was never given the option.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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: MECHANICS BANK (CA)

On XX/XX/2023, I went into XXXX XXXX of XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing one thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled XXXX XXXX it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made eight bank loan offers on his own without my permission while I was waiting in the lobby to call me in
Consumer complaint received 2021-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc. (NJ)

I am 100 % XXXX losing XXXX unable to XXXX  and no longer have XXXX  after 2 XXXX XXXX and a XXXX  XXXX. My health is further deteriorating and upon death they may take this amount from my estate which is what my family my need to take care of these expenses. I have a balance less than {$800.00}. I was put into a hardship program after the first XXXX XXXX because I had no income. I now receive {$900.00} in Social Security but have expenses such as rent food utility. I called XXXX to negotiate a pay off of half and they have refused. I have been paying this loan for almost 6 yrs.They offered a pay off {$100.00} less as a pay off. I am asking that you might be able to help me work with them. I am not asking for anything much except to at least pay this balance of with a smaller negotiated amount. Thank You
Consumer complaint received 2021-03-22
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. (NY)

Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2023-06-01
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. (LA)

On my XXXX credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my TransUnion credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Consumer complaint received 2021-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (TN)

In XXXX a payday loan was opened to assist purchasing a vehicle after theft. Loan was paid and reopened with lower amount of {$25.00} less each renewal. 
After personal reasons of filing Chapter XXXX bankruptcy XX/XX/XXXX, Check into Cash continues to harass by calling by different numbers & demanding payment each time being a different greater amount than previously claim I owed. {$270.00}, {$320.00}, {$520.00} and now {$670.00}. Company claims they are using 3rd party to collect and will submit my info for judgement.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STERLING BANCORP (WA)

This is with Sterling National Bank. XXXX bought out my mortgage company, XXXX XXXX, in XXXX. I had paid off my mortgage in XXXX but XXXX never filed release of lien to my county records. This is causing my new mortgage to be rejected. I had called XXXX numerous times for them to send appropriate paper work to my county. They tell me that I have to email to their research department and there is no phone number for me to call. They refuse over night mail or emailing of my documents. Since they have collected all the money they can out of me, XXXX is in no hurry to correct a mistake made over a decade ago.