davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2023-01-13
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. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (NY)

In accordance with the fair credit Reporting act XXXXXXXX accounts : ( XXXX XXXX ), (  XXXX XXXX ) , ( XXXXXXXX XXXX XXXX XXXX ) ( XXXX XXXX ) , ( XXXX XXXX ) , ( XXXX XXXX XXXX  ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A : states 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. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I received an update alert on my XXXX report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XX/XX/2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TX)

I have recently refinanced my mortgage loan and the previous servicer was SWBC Mortgage. In this process, I have experienced two main issues related to payments and escrow accounts.

The previous loan was paid in full to SWBC Mortgage as of XX/XX/XXXX. In anticipation of the upcoming pay-off, I canceled the " automatic payment '' feature on the account on XX/XX/XXXX. The payment was still automatically withdrawn from my bank account at the beginning of XX/XX/XXXX, despite the loan being paid in full and the request to discontinue automatic payments. When the withdrawal was still pending with my bank, I called SWBC and asked them to intervene and I was told there was nothing they could do, and that the funds would be returned to me ASAP.

After several weeks ( on XX/XX/XXXX ), when I had not received the refund for the mistakenly drafted payment, I called SWBC and asked when I could expect to receive it. I was told that this payment refund would be coupled with the escrow account settlement and that I should receive it within 20 business days from the payoff date of the loan, which would be Monday, XX/XX/XXXX.

Well today is XX/XX/XXXX and I have still not received the escrow settlement or the refunded payment. And so I called again today ; and I was told that the payment would likely arrive next week sometime.

To summarize, my complaint is that a payment was erroneously withdrawn and the remediation has taken far too long, and the timeframe for the escrow account settlement has exceeded the required 20 day window.

Thank you, XXXX XXXX
Consumer complaint received 2023-07-07
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (FL)

acount number XXXX am having problems with my credit, a person is using my identity and has been damaging my credit for years, here I present information about the accounts that appear to me today that are not mine. the first is from XXXX XXXX XXXX credit card date opened XX/XX/XXXX acount charging {$3100.00} contact info XXXX XXXX XXXX the second one is : Account info Account name SOURCE RECEIVABLES MNGMN Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$920.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$920.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$920.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX please help me my personal life is affected by this you can call me at XXXX XXXX XXXX I found this address and phone number of the person who is doing the fraud. 
XXXX XXXX XXXX XXXX ma XXXX XXXX and XXXX
Consumer complaint received 2023-07-07
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. (TX)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to express my concern regarding the reporting of late payments on my credit report. Despite sending multiple letters to dispute these accounts, the late payment accounts are still present on my file. I have contacted the respective creditor regarding these late payments, and they have acknowledged the inaccuracies in reporting. They have agreed to remove these late payments from my credit report. 
I urge you to take immediate action to remove these late payments from my credit report, as they are inaccurate and are causing significant harm to my credit score. The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Holloway Credit Solutions (AL)

I saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate report.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

There is an account showing on all three bureaus but only XXXX  is showing it as {$0.00} balance. Equifax has shown it as a balance owing of {$1500.00}. The account amount is not correct. I have attached the letter from the attorney general Child Support to show I have not been in default but i have a credit of over {$1100.00} in my account.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I send several times my dispute letter thru the XXXX credit bureaus XXXX, XXXX and transuion but they still refused my letters. I STILL SEE ALL THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. The bureaus says I'M NOT THE ONE WHO SEND OUT MY DISPUTE WHICH IS WRONG. i'm the one who send it out. please delete all thee accounts an inquiries Thank you open late payment XXXX XXXX XXXX XXXX XXXX, XXXX {$10000.00} Charged Off XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$1200.00} charged off XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$1000.00} Charged Off XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX {$530.00} closed late XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} open late XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$690.00} XXXX  XXXX  XXXX XXXX, XXXX {$1200.00} inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Charged Off XXXX XXXX  XXXX XXXX. XXXX, XXXX {$0.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00} Charged Off XXXX - XXXXXXXX XXXX  XXXX XXXX, XXXX {$1000.00} Charged Off XXXX BANK XXXX XXXX. XXXX, XXXX {$870.00} charged off XXXX XXXX XXXX  XXXX XXXX, XXXX {$230.00} cloed late XXXX XXXX XXXXXXXX XXXX, XXXX {$0.00}
Consumer complaint received 2022-03-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX was advised to cancel application and delete personal information via ccpa, usps, email and platform. 

They advised it was escalated for processing I also manually removed my email and ach. 

Imagine my surprise when out of nowhere I receive an email that account is open and past due?

Presuming my info is compromised as this point I deleted my former email. I filed an immediate dispute again reiterating what happened and further advised I see no such deposit however I would be happy to immediately pay via certified funds/debit any amount allegedly owed provided I was reimbursed once resolved this was over 4 months ago. 

I also went one step further and requested relief in their site just to ensure there were no issues while this was handled this was completed on site twice, via mail twice through XXXX  and they confirmed one time and one time only stated concerns escalated. 

They have no means to reach them via phone as it directs you to their zendesk style customer service with which I am very familiar and concerns aside their customer drive leaves a lot to be desired This needs to be corrected to date they are directly responsible to flag to clearance, over 7 credit account closures and/or reductions in lines of credit. 

They have now cost me thousands today it updated yet again as charged off dropping my score even more and prompting me to be noticed of yet another closed how is this still happening? 

I am seeking legal action to recover all damages inflicted XXXX me if this is not resolved expediently
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Victoria secrets  uses commenty bank and for the past week they have had a " system update '' and they won't respond via phone service to pay the bills and therefore making me have late fees which lowers credit. When reaching out they don't provide any answers of whats going on, I can't access any of my card information as well
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (TX)

This debt has been removed from all XXXX Credit Bureaus several times over the past 2 years and they keep submitting every 90-120 days after it has been removed. this is a Hippa Violation and a violation of my credit rights affecting me negatively after I've worked so hard to maintain good credit over the past 10 years. my score was XXXX when they started this. Please help or contact me as soon as possible @ XXXX or email me XXXX. Thank you. 

XXXX XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$200.00} XXXX XXXX account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$830.00} XXXX XXXX account. {$830.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I filled a complaint about Navy Federal Credit Union a few months ago with the CFPB regarding NFCU charging me late fees for payments made by mail. That were sent out before the due date. My last payment sent out to NFCU by my credit union was returned. In an email sent to me today. XXXX XXXX XXXX XXXX explained my payment sent in XX/XX/XXXX was returned because the account number was invalid. Resending this payment will incurre a late fee. This makes no sense. A payment sent out XX/XX/XXXX by XXXX XXXX XXXX XXXX was accepted by Navy Federal Credit Union with the same account number. 

Navy Federal Credit Union also still has not credited my account for 4 months of late fees. Which it said it would do in my last complaint.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Dear CFPB, I am contacting you all, because I do not own the XXXX XXXX XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to XXXX Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in XXXX business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX P XXXX
Consumer complaint received 2022-03-23
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)

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