davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (CA)

This is XXXX XXXX and I am submitting this complaint to you today to request that the remaining fraudulent items be removed from my Credit Report. I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have ITEMS left that need to be removed. Per FCRA section 605 the Credit reporting Agencies are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I need the dispute remaining items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-01-19
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. (DE)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-31
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: ALLY FINANCIAL INC. (MI)

From the months of XXXX XXXX-XXXX XXXX Ally Auto reported to the credit bureaus late/ Nonpayment, which is in violation of U.S. code 15 1666. I did not give any written consent or permission for any of those accusations to reported on my consumer credit report. No consent is identity theft and also unauthorized use. Ally Auto applied debt to payment, which is also against the law.
Consumer complaint received 2021-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (ID)

I have a collection for a medical debt from TRANSWORLD SYSTEMS INC on my credit report that originally appeared in XX/XX/XXXX. They have never attempted to contact me in regards to this debt, yet it continues to accrue interest. I have attempted to call them a few times over the last year or so, but never was able to reach anyone. 

I filed a dispute with the various credit agencies last year ( XXXX ), and it was removed from two of the agencies. However, XXXX  sent a validation request to TRANSWORLD SYSTEMS INC to confirm the debt. I received something in the mail, but it did not contain any account information or any other information about how to resolve the debt, only that the debt existed. 

To this day I still have not received any communication from TRANSWORLD SYSTEMS INC. I have not received anything in the mail, and I have not received any phone calls or voicemails from TRANSWORLD SYSTEMS INC. 

It seems very shady to place a collection on someone's credit file, but then not contact them so that the debt continues to accrue interest.
Consumer complaint received 2021-08-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (FL)

XXXX XX/XX/2021 Complaint Against : XXXX : XXXX XXXX and XXXX Application ( fake number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/2021 I had asked this company to STOP harassing me. NO means NO I haven't solicited this junk misleading mail, nor I want to do any business with his misleading letters and company. 
This company has target me as per many others veterans. Based on the Consumer Financial Protection Bureau, which issued a consent order against ClearPath Lending , Inc. ( ClearPath. Please read the below statement.

Now Im receiving an misleading envelop, hard to tell where it does come The he envelop stamp reads Presorted Standard US POSTAGE Paid XXXX NJ Permit # XXXX, A misleading a very confused misleading letter with a title RE : Veterans Administration Loan using my name and home address for marketing.

ClearPath sent numerous numerous advertisements for VA-guaranteed mortgages that, among other things, misrepresented the credit terms of the advertised mortgage senior citizens and veterans are being mislead with this type of letters. This company its obtaining my personal information and misused it for marketing. I had ask not to contact me. No I do not want any contact with this misleading envelops advertisements. Why we veterans are being target for this institutions. 

Do not contact me, do not use my name, do not intent to misleading me please, I'm a senior citizen, a United States veteran and a XXXX  you are causing me XXXX  XXXX  being continuously harassed by this companies who are not 100 % honest. 

STOP, remove my name from any branch, any marketing company that do business with this company. 
I will never do any business with a fake misleading company, Please look at this misleading confusing letter, Desire solution : Please do not use my mane and home address for soliciting / junk mail / not requested marketing. Please Stop ( second request - XXXX, 2021 ) Do not contact me. Im not interested on your business. Remove my name and personal information from your database any other data based that your company submitted y information and your marketing companies.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (IA)

The company Spring oaks capital llc have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with Spring oaks capital llc and have no knowledge of an account with them and dont owe them anything.
Consumer complaint received 2021-08-31
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. (OH)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-31
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. (VA)

I hope you are now working on clearing up those inaccuracies on my report. I sent you a letter regarding the negative items on my report on XX/XX/2021, but I am not getting a response from you. I am trying to fix things so I can purchase new house but you're negligence in reporting are affecting me a lot. i will be waiting for your response.
Consumer complaint received 2022-10-10
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove inquieries XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX Credit Card XXXX. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies
Consumer complaint received 2021-08-31
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MS)

Received Trial modification documents from Selene Finance the modified payment is {$2500.00} monthly 1st payment XX/XX/2021. This modification was not based on my income then I received a few days later mail stating my 1st payment would start XX/XX/2021 I'm confused does the mortgage company know what they are doing??. Selene has set a property foreclosure sale for my home XXXX 2021. Selene is refusing to assist me with keeping my home I have spoken with customer service several times they tell me when I call in they don't see my request for assistance or they don't see my account. Received letter stating a credit decision was made to not reduce my mortgage payment because of information received from my XXXX  credit report. 
Mortgage assistance is not suppose to be based on credit I've read. I have been in bankruptcy because of being affected by Covid19 and my husband left me over 2 years ago. I don't want want to lose my home to foreclosure.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my 10th attempt since XXXX  contacting the credit bureaus since I first discovered I was a victim of identity theft this has been the most horrible experience of my life. They have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department in XXXX, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my daughter and I.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my 10th attempt since XXXX contacting the credit bureaus since I first discovered I was a victim of identity theft this has been the most horrible experience of my life. They have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department in 2019, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my daughter and I.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (DE)

So on XX/XX/2021 i started the process of getting my home refinanced. Today is XX/XX/2021 and i have not been told if im approved if i will close. every month they just keep asking for more paperwork which i have given them. and each week i get a call since XXXX that it is in process and we are working to get it expedited. and now they are asking to rerun my credit i have to keep extending my rate lock and i keep watching my credit drop over and over again the more stuff they ask for. this is a joke that has taken over 5 months and it is still not complete. they will not allow me to talk to any supervisors. they just said they are working on it. i am over this process and need help to get this resolved.
Consumer complaint received 2021-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (OH)

I get repeated calls from GM Financial, but I dont have any accounts with them. I call back and they tell me they cant take me off the call list if I dont have an account. I cant understand the messages they leave because they speak in a low mumbling tone.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX I have been trying to get my free Anual Credit Report online. They have been making it extremely difficult to get. I tried online, they then asked me to call. They hung up on me 3 times after I input all my information by phone. Then they said they would mail it to me. I needed it on my computer. Then I received an email from Experian saying that they could not process my request and that I need to send them a phone book worth of info in the mail before they can send me a report. BUT ... if I want to purchase a report immediately I can go to their website and sign up for a fee. This is very fraudulent! I have always received my Free Anual Credit report yearly, without a problem. I feel like they are making it very difficult so that I will have to pay for it. 

Thank You!
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB (CO)

On XX/XX/XXXX. XXXX someone used my personal information without my agreement on a website called KLARNA. The amount for this KLARNA debt was XXXX XXXX The address that was provided was my old address that I shared with my ex Husband until XXXX. He still lives there. The email address used was his email. I never received any bills or knew about this debt in my name until XX/XX/XXXX when I noticed a Derogatory mark on my XXXX XXXX account. I immediately contacted the collection company which was XXXX XXXX XXXX they explained to me that someone purchased something for XXXX $ XX/XX/XXXX with KLARNA and the debt is now owed with them since XX/XX/XXXX. I am currently in the process of filing a police report. I also tried to call KLARNA to get more information but they cant help me because its already in collection. I am also waiting on my credit report with the major credit bureaus to see if there is anything else that was opened in my name without my permission.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CT)

Fraudulent charge for {$950.00} dated XX/XX/2021 appeared on my statement. I disputed charge immediately. Barclays cancelled my card and initiated investigation. On XX/XX/2021 I received a letter stating that Barclays had judged the charge to be legitimate, providing absolutely no documentation. Two calls to bank resulted in my being told that I have to pay charge. 

They said that they had contacted the merchant and the charge was legitimate per the merchant. The bank had no proof of authorization by me and did not even know the merchant 's location. 

The charge was for 12 hours of fly fishing lessons. I never made this purchase and have never even fly fished!
Consumer complaint received 2021-08-31
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. (MI)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.