davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2020-08-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (VA)

This company called us asking us to refinance our home and we informed them we were not interested after taking to their representative ( XXXX XXXX XXXX ) and from that point on the harassment started. They called our residence over 15 times during the month of XXXX with different people each time and stating they were form another mortgage company, but all still calling from the same area code in XXXX, Michigan. They used every company which fell up under them, XXXX XXXX, XXXX XXXX XXXX and more. After telling them that their counterpart ( XXXX XXXX XXXX ) was very rude, disrespectful and we wanted nothing to do with them, they took it to another level. They called our current mortgage company, requested a payoff amount, contacted our insurance company and had them stop my direct payment and told them it would be paid through escrow. They created their own email account when they added themselves to our mortgage account as a third party to receive information about our account and they sent in forged forms with my signature requesting they be added as a third party. It was very time consuming to trace all of their steps and have everything they did erased and to keep them from accessing my accounts. This company license should be taken away from them and they should not be allowed to conduct business as an LLC or any form of company. We did not at any time sign any contract or papers with this company, but they pushed forward to disrupt our life and make it extremely stressful to fix all of the things they put in motion.
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (PA)

I asked for ninety day extension they gave me thirty days which only turned out to be two or three weeks. Then they charged me again and started to call me two to three times a day I have been out of work for two months or more now their calling my mother 's number and other numbers I'm not associated with I have a XXXX XXXX and I can't take this XXXX with them no more I know I'm backed up on the bill but this is ridiculous and I never gave them other numbers I'm angry and hurt by them they are Ally auto financial
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF ED/XXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite METRO 2 & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In XX/XX/2020, I filed a dispute with XXXX, XXXX  and Transunion credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XX/XX/2020, I contacted the XXXX number as instructed only to find out that my current account that has always been paid as agreed will not be reported to any Credit Agency because even though my Bankruptcy was dismissed prior to my loan with XXXX. 

XXXX has a policy not to report on those accounts however XXXX will not even release to me that policy in writing. I find this very interesting. 

XXXX is a sub prime type lender. I have made every effort to make my payments before or by the due date as my sincere desire is to improve my credit status and maintain it. However I while I appreciate the services that they have provided for me I do pay a high interest rate and am really working diligently to qualify for lower rates in the future. Please note that it does benefit this type of lender not to report favorably on those who are making on time as agreed or better payments. 

Thank you for reviewing this matter. 

Respectfully,
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (NY)

I am a victim. of identity theft, please remove the following hard inquiries : 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 2020-06-17
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. (AR)

I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} SUCCESSCU XXXX {$12.00}
Consumer complaint received 2020-06-17
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. (AR)

I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} XXXX XXXX {$12.00}
Consumer complaint received 2020-08-11
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 (DC)

I am writing to you to complain regarding the handling of a dispute case with Barclays ( the Issuer ). I am experiencing issues with this Issuer since XXXX. On XXXX XXXX, I had a telephone conversation with Barclays representative ( Agent # XXXX ) regarding this dispute case ( # XXXX ) This charge is regarding an airline ticket billed on XX/XX/2020 ( Merchant ). Up to date, I am unable to get the credit back for this transaction back to the account despite that the Merchant has agreed to refund me back ( see Attachment A. and B ) Back in late XXXX, the issuer has closed this case because " the date of the departure '' was not provided ; whereas, that date was provided to the Issuer over the phone over two occasions prior to the date of case closure. In XXXX, XXXX and XX/XX/2020, the Issuer claims that they have not received a letter from the card member ; therefore ; they are unable to open the case ; whereas such letter was provided already on multiple occasions ( see attachment C and D ). Original letter also attached.
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

XXXX, XXXX Account # XXXX Original Balance : {$10000.00} Current Principal : {$10000.00} Interest Due : {$0.00} Total Due : {$10000.00} I get this message from ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX Said I been in Florida and I rent unit and I dont pay,, on XX/XX/2021, then ask me to pay now,, I never been in Florida and how come someone uses my identity and rent,? And how they let him rent without paying This fraudulent confused,,
Consumer complaint received 2023-08-08
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. (TN)

This is my XXXX 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 an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} FST XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00}
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Us Dept Ed Last reported XX/XX/XXXX Account Details Account type Student Loan Account status Open Balance {$1100.00} Monthly payment {$50.00} Interest rate 9.90 % Date opened XX/XX/XXXX ( 26 yrs 11 mos ) ____________________________ The above is a screenshot of what appears on my credit report. Please note the Date Opened. 
I was no longer in school in XXXX graduated in XXXX. 
XXXX This student loan shows it was opened XX/XX/XXXX however I graduated XX/XX/XXXX. This is incorrect, I have had my taxes offset and made payments directly on a loan that was opened 5 years AFTER I graduated from school. 

XXXX  is requesting copies of my social security card. They have names listed on my report, XXXX XXXX? Former married name was XXXX. Not sure where XXXX Came from. I refuse to furnish a copy of my social security card as they obvious have issues with security.
Consumer complaint received 2023-02-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Capio Partners, LLC (FL)

I received the following letter from a collection company called Capio. I havent heard of them or the debt they refer to in the letter. I sent them the attached Debt Validation letter. I certified the letter in XXXX on XXXX and Capio never responded. The law requires them to respond to my debt validation request. Since they havent, Im formally requesting you contact Capio and have them send me a confirmation this debt has been removed from their system.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RANLife, Inc. (UT)

Sometime in early 2020 RANlife Real Estate ( NMLS # XXXX ) " sold '' my loan from their XXXX division ( NMLS # XXXX ) to their Loan Servicing division ( NMLS # XXXX ), but the communication of this change never indicated I would need to change my BillPay information ( in fact, they can not even provide me with evidence I ever actually received any such notification ). 

As a result three of my payments went to my old account ( owned by NMLS # XXXX ) and were not applied to the new loan they generated in their Loan Servicing Division ( which is also their own parent company - NMLS # XXXX ). The result is I have three " missed payments '' on my credit report which were not missed at all. This had a significant negative impact on my credit report/score. 

I was never even notified of this until I received notice that my loan was in default status. I called their office several times and at no time did any of their representatives ever mention this issue. I had to sort out their mess on my own time. I had to work with their mutually shared " loss mitigation '' department in order to buy myself the time to undo the mess they created. ( It's also worth mentioning the only " help '' I got from their " Loss Mitigation '' department was an " offer of help '' that DOUBLED my monthly mortgage payment for SIX MONTHS. ) This has been a horrible experience and has created extensive damage to my credit. 

Reference CFPB Complaint Number XXXX, and you will see where they stated they FINALLY got around to returning the funds - so I could take still MORE of MY time to fix this issue. ( Also worth mentioning it took them a month after their reply to return all of the funds they stated to have returned in their response to you. ) This is a HIGHLY UNETHICAL company.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX*Employment information** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries*XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A XXXX  XXXX Inquiry : XXXX XXXX, XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not belong to me. Delete it!!!
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

On XX/XX/XXXX, I opened an account with HSBC. The account advertised {$600.00} ( {$100.00} XXXX per month during the first 6 months after account opening ). I called HSBC 5 times shortly after opening account online to confirm offer. The customer service representatives ( CSRs ) hung up on three times, got transferred once and finally the last CSR said for me to close account and reopen it however I could not do that on the call because my funds were not received. 

I also received 4 emails from HSBC that I did not read till XX/XX/XXXX. First email, stated my application ID XXXX time out. Second email, application XXXX was approved. Third email, provided me with the activate link and instructions of a 6 digit code that I deleted on the XXXX. I had no idea why I was getting 4 emails and a code to activate the account. Did the account opening platform failed to give me this information? The CSR certainly didn't tell me I had to activate the account. 

I don't think that I should have to open another account to have the bonus offer applied per the CSR instructions. Additionally, when you open an account the instruction that were sent to my email should be disclosed. How would I know that there would be 4 emails and a text following to activate an account.
Consumer complaint received 2020-08-11
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2020-04-16
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. (ME)

According to resurgent capital, they are reporting to all three bureaus. .I beg to differ, as they are not on my XXXX report. Please see attached. Thanks. 

XXXX XXXX