davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190000.00}
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX a credit collection account was placed on my credit reports. I have previously contacted CFPB in regards to this acct being used unauthorized. Last week XXXX XXXX sent me a packet with a few statements. I have no knowledge of this account. 
They say this is from capital one. I currently have two great standing accounts with capital one so not sure how they have a derogatory account. 
I was in XXXX treatment for a few years for XXXX XXXX XXXX. At that time I was barely breathing and a lot of my information was used. I have placed security alerts on my credit reports as a result of that situation. I have attached my XXXX XXXX XXXX XXXX XXXX ID card.
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i received a survey online from capital one and submitted it in regards to a issue i had at a branch. Needless to say the survey was not in their favor resulting in all of my accounts being restricted and closed with funds still frozen in my account.It has been about two months no one will talk to me either on the phone online or in person. None of my answers were never answered and i was never even given the courtesy of a answer. I live on Social security XXXX and was never been able to access my payment from last month.I had to struggle and go hungry because this rude XXXX XXXX banking establishment had no courtesy or regard for me and my situation.
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

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 Balance : XXXX XXXX XXXX Balance : 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 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ) ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ) There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, ). 


Please remove inaccurate employers as well because I'm currently not employed XXXX. XXXX XXXX  Also, I only have 1 current name which is XXXX XXXX Once you have deleted the addresses from my credit report, please send me a copy of my updated report. 


Thank you, XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have called XXXX several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


XXXX Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2022-10-13
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. (CA)

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I disputed items on my credit report 180 days ago and the incorrect information is still reporting inaccurate for Experian : I have disputed these account multiple times with no update throughout the entire 180 days. 

XXXX XXXX XXXXutility XXXXl XXXX installment { Listed incorrectly as a chargeoff } XXXX XXXX-installment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX credit card XXXX listed incorrectly as a chargeoff }
Consumer complaint received 2023-02-08
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. (CA)

I have called XXXX several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


XXXX Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}
Consumer complaint received 2019-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CO)

I was talked into taking a student loan with University XXXX XXXX when I was almost XXXX yrs old. About 15 years ago with the promise I would make XXXX a year. But now I am XXXX in debt making XXXX a year. I know there was a class action lawsuit due to their treatment, fees etc and I contacted them they say they will only help me since my debt is not with the school. My debt is with Nelnet loan services but why would mine not be included??. I am XXXX years old and cant ever buy a home due to this debt. I am on a 20 years repayment plan but it keeps me from ever owning anything. Please help me.
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ITEMS resulting from alleged identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian, XXXX, and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX, and XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

Consumer Financial Protection Bureau XX/XX/2023 In XXXX I filed a complaint against Select Portfolio Servicing ( SPS ) because the process for getting assistance with HAF was taking so long. That has finally been resolved. 

My problem now is the escrow shortage on my account was {$30000.00} and with the {$20000.00} that HAF assisted with left an escrow shortage of roughly {$10000.00}. 

I asked in XXXX that SPS do a review of the account and recalculate taking into account the {$20000.00} being paid on the shortage. My mortgage payment was over {$1700.00} due to the shortage. The amount that was reduced was {$150.00}. I wrote again saying that seemed unacceptable since there was a payment of {$20000.00}. I am still awaiting a response but have been told that they figure the shortage when it was XXXX on a XXXXmonth payback, now they are figuring it on a 24 month which still leaves me at {$1500.00} with {$170.00} for fees and advances ( dont know what that is ) which puts my mortgage right up to {$1700.00}. I don't understand why they are not trying to get help us get into an affordable payment. 

UPDATE : I just received a letter from SPS yesterday see response in attachments. Hopefully you will be able to open as I have had a difficult time getting the attachments done because it says document is corrupted. 



I do understand a increase in taxes and insurance would play a role in some of an increase but still not enough to offset {$20000.00}. They also stated that if the payment was too high then we could start loss mitigation. Loss mitigation for them is short sale or foreclosure. 

They claim they want to help us keep our home but yet they certainly wont work with you. A year and a half ago we tried working with SPS about helping us when I was very sick with XXXX long haul and they wouldnt do anything but started foreclosure process. We needed to borrow against our 401K to get caught up. I dont have any confidence that they would be willing to help us gain our house. 

I also question the bookkeeping with SPS. I called last week and asked if there was any update on my request for recalculation of mortgage which the answer was no and was told that I didn't have a mortgage payment due until XXXX as we were all paid up. I questioned why I was ahead but got some answer honestly, I couldn't understand. I cant even go in on the online app and see a history of payments. I need to request it and then they send everything and it doesnt help to understand your account. I should be able to see my history on line to verify what is happening but cant do that. 

I dont understand how you go from being paid ahead to being a month to being behind the next week. Someone or something is grossly wrong with their bookkeeping. I really need someone to help us keep our house by holding SPS accountable for the bookkeeping and the {$2000.00} payment which should have greatly decreased our payment. 

I really need help retaining our home. 

Please help XXXX XXXX
Consumer complaint received 2022-10-31
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. (IL)

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX BANK XXXX Balance {$4400.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$1900.00} ; XXXX XXXX  XXXX Balance {$300.00} ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: PLS GROUP, INC (TX)

False advertising. At pls @ XXXX XXXX XXXX XXXX tx XXXX have signage saying free money orders. But found a loophole thru which they estimated that my rent money order would cost my @ least {$30.00} usd ( easally non split shift days pay ) yet could still b XXXX free Probably went a total of 8 places to buy a Money order for my rent & had a lota other stuff 2 do that day
Consumer complaint received 2022-10-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DOB : XX/XX/1989 To : XXXX XXXX XXXX Chief Executive Officer & EQUIFAX INFORMATION SERVICES, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Notice to Cease and Desist & Settlement Demand of {$4000.00} I have never once written EQUIFAX giving them my written consent to report anything on my consumer report EVER. If so please provide me with such letters bearing my wet signature with in 30 days or again DELETE everything referenced-below. 
EQUIFAX again you re is still furnished a few alleged accounts, unknown addresses on my report that need REMOVED as soon as possible listed below : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Never Verified Late Payments But Still Reporting/ DELETE ) ( ACCOUNT STATUS IS Paid AS Agreed BY XXXX DUE TO LACK Of PROOF ) XXXX. XXXX XXXX XXXX # XXXX ( Never DONE BUSINESS WITH VENDOR/ DELETE ) ( PER 15 USC 1681b a 2. DELETE I DID NOT NOR DO I AUTHORIZE THIS TO REPORT. ) XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Not My Address/ DELETE/ Violation 15 USC 1681b a 2 ) XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Not My Address/ DELETE/ Violation 15 USC 1681b a 2 ) According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any Medium includes oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged Accounts and unknow addresses ) by the Company will be a violation of my rights as per the Fair Debt Collection Practices Act ( FDCPA ).

15 USC 1681b ( a ) ( 2 ) -permissible purposes of a consumer report.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The law clearly states that a consumer reporting agency can not report any items on my consumer report with out my written consent. You are in violation of the law because I never gave you written or verbal consent.

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you a formal notice to cease any further communication regarding these alleged Accounts, unauthorized inquiries and unknown addresses immediately. This includes but not limited to telephones calls, emails, social media or any other Major or Secondary Consumer Reporting Agencies.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.