davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX  ACCT : unknown AMT : {$96.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX  ACCT : unknown AMT : {$250.00} XXXX XXXX ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-04-04
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Equifax/XXXX & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX  ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX ACCT : unknown AMT : {$96.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX ACCT : unknown AMT : {$250.00} XXXX XXXX  ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-03-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (TX)

I had past issues with Mortgage Solutions of Colorado, LLC. Specifically XXXX XXXX, and XXXX XXXX dating back to XXXX of 2018. 

I noted their disclosures/closing costs were extremely high, but was urged to sign to keep the process moving. Eventually, I was able to cut ties and close through another lender at 1/4 the cost. I put everything behind me ; however, I was recently contacted by XXXX regarding a refinance. He professionally referred to me as a XXXX off During the lending process, they denied my COE, claiming I fraudulently altered it and told me I was a liar. It was then determined that their administrative personnel did not correctly request my COE. I contacted the VA, and it was confirmed that no requests were made through the portal by mortgage solutions. I have emails of correspondence to support this, but majority of the discussion was held by phone in XXXX 2018.
Consumer complaint received 2020-04-04
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX  ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX  ACCT : unknown AMT : {$96.00} XXXXXXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT :  {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX  ACCT : unknown AMT : {$250.00} XXXX XXXX  ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2020-04-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OK)

IC System Inc in Minnesota filed a City of XXXX collection charge off account with the credit bureaus, in the amount of {$360.00}, dated XX/XX/XXXX. 

I have not had an account with a company named " City of XXXX '' as listed in the credit bureau files. 

I have attempted numerous times to have this account deleted, but IC System Inc continues to dispute with the credit bureaus, stating the information is correct.

IC System Inc had a similar collection account in my name for the City of XXXX, dated XXXX in the amount of {$340.00}. 
This account was deleted XX/XX/XXXX on one credit bureau file, I believe, if not all credit bureau files. 

I live in XXXX, Oklahoma. 

The collection agency is in Minnesota. 

At one time, I believed this account was a XXXX XXXX XXXX XXXX XXXX XXXX collection account, the credit report only stated Utility or something XXXX, Oklahoma, where I have resided, basically, for fifty eight years, uses a customers Deposit on file with the City of XXXX towards any unpaid water, sewer, trash bill, which leaves a XXXX balance owed XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, with no water trash, or sewer service restoration until a new deposit is paid. 

The XXXX XXXX  XXXX XXXX XXXX XXXX XXXX charges, usually, a XXXX XXXX dollar deposit for water, sewer, trash service. 

A new deposit is required to restore service after a city watercan is removed for unpaid water services. 

Water, sewer, trash service in XXXX, Oklahoma averages XXXX dollars per month, per household. 

The amount IC System Inc is reporting to the credit bureaus equal over six months of unpaid water, sewer and trash service.

I find the amount IC System Inc is reporting to the credit bureaus, as exorbidant. 

I find it very difficult to pay an out of state collection agency, in XXXX XXXX, Minnesota collection agency, for an Oklahoma water, sewer, trash account. 

This may be a scam collection agency. 

The XXXX XXXX  XXXX XXXX XXXX XXXX XXXX of Oklahoma, does not usually, Sell a delinquent water, sewer, trash collection account to an out of state collection agency named IC System Inc, in Minnesota, such as this collection agency.
Consumer complaint received 2020-03-25
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 a recent victim of identity theft. I am a consumer pursuant of 15 USC 1692-A3. XXXX, Transunion and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ) ; failure to delete requested accounts, names, addresses and inquiries related to identity theft. Please remove requested accounts, names, addresses and inquiries. An FTC/Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 



Department of Education : Account # XXXX Amount {$49000.00} XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX/XXXX XXXX : Account # XXXX Amount {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MIXXXX
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

been trying to call capital one for 2 weeks to ask for a payment extension before my payment was due XX/XX/XXXXand they are not answering the phone or they disnconnect after waiting on line for long amounts of time. they have no other way to contact them other than snail mail. no chat no email. they have now charged me for a late fee. my wife and i have both lost our jobs because of the virus situation and have no way to make payment at the moment.this seems crazy there is absolutely no way to get in contact with them for 2 weeks straight.please help. thank you XXXX XXXX
Consumer complaint received 2020-04-04
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. (MS)

I submitted a request for XXXX XXXX, XXXX, Equifax and XXXX  to provide How they verified the Bankruptcy reporting on my credit profiles. I have a letter from the BANKRUPTCY COURT saying they DO NOT verify this information with the credit reporting agencies. XXXX, Equifax and XXXX  claims to have received this information from XXXX. However, using a 3rd party to verify ( i.e XXXX XXXX, is a VIOLATION of the FCRA. The credit bureaus, or required to verify this information themselves. Furthermore this account is reporting inaccurate on all three bureaus. XXXX  and XXXX  is listing the open date as XX/XX/2015 and Equifax is reporting XX/XX/2015, There is no way this account was opened on two different days. XXXX  is reporting the reference number as XXXX. XXXX  is reporting XXXX and Equifax is reporting XXXX This is an inconsistency. If this information is coming from the same furnisher then why is it so vastly different. XXXX  is reporting the court name U.S. Bankruptcy Court. XXXX  is reporting US BKPT CT MS XXXX and Equifax is reporting Federal. This is an inconsistency. IF this information is coming from the same furnisher then why is it so vastly different. They have failed to verify this account because even after my initial investigation they still reporting inaccurate and inconsistent information ...
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CA)

Barclay 's Bank Although I have been with Barclay 's for over three years, the credit line is {$500.00}. After three years, I inquired with the company about an increase and was told I do not qualify for an increase. 

I have an excellent payment history and a XXXX FICO score.

See attached correspondence with Barclay 's
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (OH)

To Whom It May Concern, The reason for my dispute is AFNI XXXX   XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AFNI failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationAFNI is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AFNI is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.AFNI has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Consumer complaint received 2020-04-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

Fed loan uses online address system. I never changed my address w/fed loan or post office. As a result of fed loans system they mailed my bills from XX/XX/XXXX until XX/XX/XXXX to WRONG address. Their mistake! Late XX/XX/XXXX I had requested a forbearance due to my upcoming XXXX XXXX in XX/XX/XXXX. I never questioned not receiving the bills during that time because I believed I was approved for the payment extension. I have provided the information many times to fed loan and they are refusing to correct the XXXX negative on my credit report. I NEVER authorized or changed my address
Consumer complaint received 2020-04-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (CA)

Looks like western union did not clean up there sloppy mis-management, rampant website issues, even more enraging is there blundering INEPT phone answering employees clue less on what the problem is, cant comprehend what website glitches means, mumble jumble english then handing out XXXX   answers contradicts the issues at hand covers up there own XXXX, reckless incompetence? Example, they gave me problems years ago, NO accountability what so ever, then 3-4 years later I started to use my online account again?! # I just sent {$400.00} to the XXXX last week, no problems, this week I sent {$200.00} no problems, 1/2 hour later I tried to send {$100.00} it blocked me with some idiotic, evasive excuse ( transaction exceeds compliance limit } WHAT LIMIT?! # Who's limit? Anyone can send {$10000.00} abroad before red flags are raised?????? NOBODY accountable or competent answers the phone, passes the buck/XXXX  excuses, example there website care number is interupted with some new backwards automated system, automatically hangs up on you? When anybody answers they seem to be to inept to fiquare out I'm not dialing customer service?! # 3 emails NO accountability let alone intelligent excuse, somebody muddled her response about privacy issue that there sloppy website issues, and/or what privacy issues? MY privacy??? This is my money my online account, my personal banking information/debit card? Nothing has been resolved, NOBODY there competent wants to fix these clumsy incompetent website issues, NO qualified technical support employees??? My online account is still blocked? How XXXX  is that? How many phone calls emails does it take before they fiquare out what brain cells are for, stop lying there customer orientated????
Consumer complaint received 2020-04-04
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: SELECT PORTFOLIO SERVICING, INC. (IN)

My mortgage is currently serviced by Select Portfolio Servicing. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to SPS, they have refused to report the debt to the three credit bureaus ( XXXX, XXXX  and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

I previously sent a letter to NC State Employees Credit Union, to let them know that I was a victim of identity theft and I also attach a police report and an FTC report to my letter that I sent to NC State Employees Credit Union. In their response letter they sent me back NCSECU said that after careful review of this dispute we are unable to investigate this claim at the time as the credit union has determined that your letter has originated from a credit repair but I'm the one who actually sent the letter to this company and no one else or any other company helped me out and the letter I sent them wasn't drafted on a form supplied by a credit repair organization.
Consumer complaint received 2022-11-05
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)

see attached- fraudulent accounts reporting on my consumer file remove immediately. in violation of my consumer rights and defamation character. 
XXXX XXXX XXXX XXXX send updated report with it removed