davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-29
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. (CT)

I submitted a dispute for a XXXX account on my report. I called XXXX and they had no record but it is listed as a residential account in Delaware opened in 2017. I have never resided in Delaware nor opened an account to XXXX at that time. XXXX could not find the account yet the dispute came back that it is my account. XXXX could not give me any information
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NJ)

I closed my savings account with citibank ( account no XXXX ) on XX/XX/2020 via online chat. The account then disappeared from my online login and I thought it was successfully closed. However, today I received a letter stating that I was charged for XXXX XXXX  monthly fee on this account and another {$34.00} overdraft fee. Could not reach the customer service by phone or chat.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

Citi bank has continued to provide fraudulent rude nasty low class customer service. They have charged me for fees that XXXX XXXX who first opened my account lied to me about the terms, they have purposely locked me out of my account even after I provided the correct information, and recently had some bad english speaking rep get on the phone yelling at me telling me I shouldn't have let my account balance get so low then I would not have fees. They charged me a monthly service fee then charged an overdraft fee for that fee. They lied and claimed they didnt have bank phone records of my calls where agents did not accept my verbal passwords nor the agents who refused me to talk to supervisors or hung up. If Citi wants to continue playing games I have already spoken to an attorney I will file a pro se law suit against them and have the records from my phone subpoenaed to then subpoena the exact calls that were made to Citi since they want to play games.
Consumer complaint received 2021-10-14
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. (OH)

I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to Exprian, XXXX XXXX XXXX and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC (SC)

This company stated they were representing XXXX XXXX in attempt to collect an alleged debt that was not verified. This company made harassing calls and or written communications but not limited to.This company then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.This company refused service for a complaint.This company willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company failed to follow FCRA 609 as demanded 43 times by way of certified mail.REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY.
Consumer complaint received 2020-04-09
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER 13-DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I Have been disputing LVNV FUNDING LLC on my credit profile because it was a result of identity theft and the charges are fraudulent. I DO NOT OWE NOR DID I HAVE ANY ACKNOWLEDGMENT OF THIS ACCOUNT. I have disputed with XXXX, XXXX & XXXX. Also On this account there is also Many inaccuracies as XXXX and XXXX are not saying the same information. I am distressed that LVNV FUNDING LLC has included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-04-09
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)

I applied for a loan at XXXX XXXX XXXX today XX/XX/2020 and I was not approved because apparently there are many accounts in negative standing appearing on my credit history. I looked through each account and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information. I do not have any relationship with any of these companies nor do I have a contract or agreement with any of them. I did not benefit anything at all from these accounts and I did not take part in any purchases or payments made towards these accounts. I have already notified these companies as well as filed a police report regarding this suspicious activity on my credit.
Consumer complaint received 2021-10-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC ()

I submitted a complaint ( complaint ID XXXX ) dated XX/XX/XXXX to Shellpoint regarding a mortgage debt collection that I do not owe. I provided an official document from the court dated XX/XX/XXXX, which stating " That in exchange for getting out of the mortgage and for Fannie Mae to take ownership of the property, there shall be no further obligations, now or in the future, for ( me ) ''. 

A response letter dated XX/XX/XXXX by XXXX XXXX, Compliance Department, Shellpoint Mortgage Servicing, stated " The documentation you provided may release your rights to the property, however, it does not release your financial obligation. ". XXXX XXXX also wrote " Finally, Shellpoint respectfully declines your request for compensation requested for your sibling. Shellpoint does not condone harassment or unprofessional communication with consumers as it is our goal to adhere to all state and federal laws and regulations concerning the servicing of loans ''. 

The property is owned by XXXX XXXX since the court date of XX/XX/XXXX. I am not responsible and can not be held liable for any liability/obligations, financial or non-financial, for this property. 

Shellpoint is violating my privacy rights to continue sending collection and communications to me regarding this property via registered and non-registered mails to my address in XXXX. 

Shellpoint should contact Fannie Mae as this property is owned by Fannie Mae. 

If Shellpoint continues to send letters via registered or non-registered mail, to my address in XXXX, what do you suggest my next legal step should be? 

Is a private company allowed to continue to ignore and violate my privacy rights? 

Best, XXXX
Consumer complaint received 2021-10-15
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: Credence Resource Management, LLC (IL)

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Credence Resource Management LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I am a victim of identity theft and was recently astonished when I seen multiple fraudulent reports on my report including IC Systems. Attached below is my debt validation not verification request to IC Systems due to the fact that I have never entered a consumer contract with IC Systems or XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
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. (OH)

I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to XXXX, XXXX XXXX Equifax and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.
Consumer complaint received 2020-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I can not get Merrill/Bank of America to change my address on my account. In XXXX I discussed this with them using online chat. Subsequently, I mailed a request with supporting documentation to the address I was provided in the chat session. They failed to respond and I received account information including tax information late because it was forwarded from our previous address. I followed up with another written request ( letter ) in XXXX requesting a response confirming the change of address. At this point, no response has been forthcoming and I need assistance getting this promptly and properly resolved.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (MO)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX Dear CFPB, I have been disputing with Equifax for over 7 months now trying to remove some illegal and unauthorized inquiries from my credit report. All I get in response is The information you disputed has been received. The results are : Inquiries are a factual record of file access and will remain on the Equifax Credit File two years from the reported date of the inquiry but what if those inquiries are illegal and unauthorized? Dont inquiries need to be verified just like accounts? I know that the inquiries werent verified because of the time frame from when they received my disputes and their reply back, it is like 3 days, too quick for verifying data, to me. 

That being said let me say I want the following inquiries deleted from my credit report for a few violations that Equifax has committed. I want Equifax to delete these inquiries for violation because they ( Equifax ) are still continuing to report these inquiries without ever verifying them in the last 7 months and I want Equifax to delete these inquiries for violation because these inquiries obviously do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

The following is a list of inquiries that need to be deleted from my credit file : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Again here are the violations being committed by Equifax when they dont delete the inquiries above in the list : - They ( Equifax ) are continuing to report these unverified, illegal and unauthorized inquiries without ever verifying them. 

- These inquiries do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

- Failing to provide documentation and method ( s ) of verification when asked for within the 30 day time allotted window ( see letter dated XX/XX/XXXX and letters dated XX/XX/XXXX ). 

- Failure to do an investigation and an independent re-investigation ( see Letter dated XX/XX/XXXX ). 



Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Equfax has refused to put a freeze on my credit report! 
Equifax XXXX XXXX are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter XXXX bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021
Consumer complaint received 2022-11-30
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)

Upon review of my consumer report I have found false and inaccurate information being reported. FCRA states that I have the right to have accurate information be reported and these items are not.
Consumer complaint received 2020-06-11
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. (GA)

I have requested that XXXX  remove an unverified account that has been placed on my credit report from XXXX XXXX XXXX. I have no agreement with XXXX XXXX XXXX and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed XXXX  and Experian  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (NJ)

Terrible company. 
Asks for unnecessary paperwork and tried to do bait and switch. Tried refinancing a home mortgage from 15y 2.1 % to ally for 30y 2.625 % o. A home appraisal by them $ XXXX equity and they have me looped into papers after papers making it impossible unless j give extra fee etc. Managers and e elusive teams all frauds- this bank should be closed for bait switch and harassment
Consumer complaint received 2021-10-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACCESS GROUP INC. (CA)

I have had private loans with Access Group since 2001, and I have made payments and remained current on these loans for over 20 years. Access has consistently been deceptive with how they have applied payments- for example using extra payments to apply to interest instead of principal. The first time I was ever late on student loan payments was due to Covid. I am a single mom with XXXX young children, and I was left unemployed and homeschooling my kids for a significant period of time. I was under the impression that I was on a forbearance with Access Group. I attempted to contact Access group and was told that my loans were sold to XXXX -- -- in reality the loans were sold to a predatory collection company - XXXX XXXX -- that has been calling me as well as my family members. I just want my loans to go back to the loan servicer so that I can continue to make my payments- and not in collections which has devastated my credit.
Consumer complaint received 2020-03-29
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. (GA)

Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXXXXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXXXXXX -  towards the end of the payment program, I started making large payments. 

XXXXXXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXXXXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.