davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (NV)

XXXX of XXXX, I received a Final Notice ( first interaction ) from XXXX about an outstanding balance of {$530.00} for a policy that was canceled, but the address on the letter was incorrect with my correct name. I've also never worked with XXXX. It had moved to collections and XXXX XXXX XXXX was calling me and sending letters as of XX/XX/XXXX, so I both faxed and told them over the phone this was not a debt I recognized and was not mine on XX/XX/XXXX. I also sent a letter requesting proof of validation XX/XX/XXXX. Time passed with no responses, so I ended up reporting it online to the FBI and on XXXX, on XX/XX/XXXX and reached out to XXXX and sent them those reports. Then they ( XXXX ) told me they had closed the account but couldn't give me any documentation on the account. They were able to tell me the policy was started on XX/XX/XXXX online. Now, a company called Viking Services has been calling me since the issue with XXXX, but they told me on XX/XX/XXXX that there are now two different debts under my account. One is for {$1200.00}, and another for {$410.00}. I am not sure which is for what, but they were able to tell me one was from a rental with XXXX, which I have also never used. I asked them to send proof of this debt, and when they confirmed my address to send, the address they gave was not mine and was in a completely different state.
Consumer complaint received 2020-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America closed a personal checking account in XX/XX/XXXX without notice. 
The impact of the actions is seen on the credit score which thus far has been in the 700s and has dropped to below 600. 
Communication with various front line staff has not provided any feedback as to why the Bank suddenly closed the account after being a customer from XXXX. 
The resultant implications include : not being allowed employment on account of credit scores Communications with possible employers Intent to repossess property which is mortgaged through XXXX under XXXX XXXX Requiring information verbally but not providing any written documents thereafter for more than 30 days.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As per XXXX a XXXX XXXX XXXX  servicer the XXXX  loan was forgiven on XX/XX/XXXX. But did not get reported to the credit bureaus until XX/XX/XXXX. Someone needs to pay me {$1000.00} per month from each credit bureaus. Not reporting on time correct information. This has caused emotional stress and embarrassment. Per the United States code 15 USC 1681.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (PR)

I'm getting these accounts on my credit at XXXX. 
I am very upset, because I have written directly to the companies ( XX/XX/2023 ) and sent them the police complaint in XXXX XXXX. These accounts were opened fraudulently and they say they are mine. When they are open with information from the United States that I have never lived. 
I have also written and called XXXX and nothing either. 
Who regulates consumer rights, I don't know, it's just that there is no one to protect me. 
XXXX XXXX XXXX XXXX Account Number XXXX .... 
XXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX ATTACHED COMPLAINT POLICE IN XXXX XXXX
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

YESTERDAY XX/XX/2020 I WENT TO TRY TO PURCHASE A HOUSE WITH XXXX XXXX AND WAS DENIED FOR HAVE 5 NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I HAVE NEVER AUTHORIZED ANY OF THESE ACCOUNTS FROM BEING OPEN NOR HAVE I EVER LET XXXX XXXX OPEN THESE ACCOUNTS IN MY NAME. I HAVE NEVER BENEFITED FROM ANY OF THESE ACCOUNTS EVER BEING OPEN OR HAVE RECEIVED MONEY OR GOODS IN GOOD FAITH FROM THE ACCOUNTS. PLEASE REMOVE THEM FROM MY CREDIT REPORT. I HAVE FILED A POLICE REPORT REGARDING XXXX XXXX AND THE ACCOUNTS THAT HE OPENED. 


I HAVE REACHED OUT TO EVERY COMPANY THAT OPENED THESE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHED DOCUMENTS
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2020-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

Mortgage loan LTV reached 80 % in XX/XX/XXXX. My husband and I requested a PMI cancellation, in writing, to the company. They then sent a letter to use stating the need for a BPO to determine the current home value. At this time, the representative stated that when PMI is cancelled, since it would take a few weeks to review, we would receive a reimbursement for any unnecessary PMI we have paid. Instead of having the BPO completed, in XXXX, we made an additional payment, bringing the LTV below 78 %, at which point, the website states that PMI will automatically be terminated. PMI continued to be applied to our payment. On XX/XX/XXXX, after I had not heard back from the company twice after submitting e-mails through their website, I spoke to a representative at the company by phone regarding PMI cancellation. They stated that a work order had to be submitted in order for PMI to be cancelled and we would hear back by XX/XX/XXXX at the latest, but likely sooner. After not hearing from anything or receiving documentation, I called the company on XX/XX/XXXX, who stated that they sent the letter on XX/XX/XXXX ( we had not yet received it ) stating the need for a BPO but  that the work order was never actually investigated. After I reminded the representative that the BPO was not required once the LTV was below 78 % ( per the Homeowners Protection Act of XXXX and their website that states automatic termination ), the representative supposedly spoke to a supervisor. They then said that a new letter would be sent out with the next 7 days confirming cancellation of PMI. As of today, XX/XX/XXXX, PMI is still applied to our account and we have not received a letter regarding PMI.
Consumer complaint received 2022-10-02
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 wrote letters to Experian and XXXX requesting the payment history for this account to prove that it should be charged-off. I have not received any validating documents proving the attached account is correctly classified as a charge-off. Failing to verify within 30 days when requested is a violation of the FCRA.
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MD)

My card advertises certain protections including purchase protection. As long as the terms are met, my purchases are covered from accidental damage/theft/etc. I bought a XXXX action camera that I accidentally damaged. I was within the protection period for purchase protection. I submitted a claim and was subsequently denied because I did not take " reasonable '' care of my camera. I used the camera exactly as it was intended and always had it in my possession and safe. It was damaged due to accidental use. The claims adjuster provided no definition of " reasonable '' care nor did they explain why they are an expert on what reasonable care of a XXXX  is. I requested reconsideration twice and received no response except a duplicate of the denial letter. I called and requested a formalized complaint and was assured my issue would be addressed. I never received any further communication about it There is no definition of reasonable care in the terms and conditions. This allows adjusters to arbitrarily decide what is considered reasonable and what is not. It creates an option to unfairly deny customers ' claims while still advertising the benefit.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

Back in XX/XX/XXXX, we were trying to place a credit freeze on our credit report for security purposes. Of the 3 credit bureaus, Equifax has been an extreme nightmare. XXXX and XXXX were exceptional in the  ease of placing our freeze, however Equifax took several days before we could even speak to someone who could help assist and we couldnt access their online services. Fast forward to today, XX/XX/XXXX and we went to lift the freeze. Again, with XXXX and XXXX we were able to lift the freeze effortlessly online within seconds. We tried to log in to our online account to remove the freeze but their system wouldnt allow us. Equifax, yet again, can not help us because their systems are updating in the middle of the day which we finally found out after calling multiple phone numbers listed for them. My problem is with the inability to contact them and to speak with a representative. It would be different if there was a choice to use them but there is not. If they can not take care of a minor request, why are we using them? They are absolutely terrible and should be held to much higher standards if reporting something as secure as our credit.
Consumer complaint received 2019-12-02
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. (UT)

XXXX XXXX  XXXX XXXX Cred # XXXX is reporting an account to my credit that is past the Statute of Limitations in Utah . I no longer legally owe this debt and I need it removed off of my credit report.
Consumer complaint received 2019-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score. 

Do not ignore any evidence of account re-aging. 

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made.

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (NY)

I have never applied nor perform services or business with XXXX XXXX XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023
Consumer complaint received 2022-10-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a letter of dispute to TransUnion credit bureau regarding a BANKRUPTCY reporting on my credit report and TransUnion responded with a letter refusing to process my request because they claim that ( MY DISPUTE LETTER APPEARS THAT I DID NOT SEND IT ) See attached letter marked EXHIBIT ''A '' with a copy of the letter from TransUnion marked EXHIBIT ''B ''. Clearly the letter to TransUnion came directly from me, as proof it was from me, I had the letter notarized by a State of North Carolina notary public, presented my driver 's license as proof of my identity, notaries are officers of the state who in my opinion are beyond reproach. There should not be any question as to whether or not this document was provided by me. I sent the request to TransUnion via certified mail, see copy of postal signature card marked EXHIBIT ''C '' received by representative of TransUnion on XX/XX/2022. 

TransUnions frivolous excuse for rejecting my dispute letter is clearly a violation of the Fair Credit Reporting Act. My TransUnion file number is XXXX
Consumer complaint received 2019-12-02
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. (UT)

XXXX XXXX  XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in Utah . I no longer legally owe this debt and I need it removed off of my credit report.
Consumer complaint received 2023-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Hello, our names are XXXX XXXX XXXX and XXXX XXXX. 
We are placing this complaint because we are having some issues with our mortgage bank ( SHELLPOINT MORTGAGE SERVICING ). Its about an imposed charge for extra coverage on our escrow account. That had happened last year with the amount of XXXX $ ( see attached table on XX/XX/XXXX ) ; that was then when everything started. We received some letters regarding our propertys hazard insurance. We took the letters to our insurance agent ( XXXX XXXX XXXX, XXXX, his name is XXXX XXXX. At that time, we were able to provide them with the master policy from the townhouse retroactively for 4 years ( XXXX, XXXX, XXXX, XXXX ) because they were charging us for all these years backwards.They reviewed and recalculated my escrow accordingly by XX/XX/XXXX ( see attached table ). The thing is that when we thought that everything was resolved, they started again in XXXX, XXXX. They sent us another letter. This time they were requesting an HO6 for extra coverage ; and again, they wanted it retroactively up to XXXX, XXXX, XXXX. We sent them a policy we bought through our insurance agent ( XXXX XXXX ). At first, they didnt want to include it on my escrow, so they didnt accept it on XXXX, XXXX when I sent it. Later, they accepted it, but it was too late because, once again, they bought an insurance and disbursed $ XXXX on XXXX XX/XX/XXXX and {$330.00} on XX/XX/XXXX respectively. As you can see on the attached table on XX/XX/XXXX, we sent our policy through our agent and this time it was accepted. We called several times spending so much valuable time over the phone without success. They said they are NOT going to reimburse ( XXXX $ ) that money back into our escrow because they are arguing that they had sent me letters regarding that issue in the past, which is not true. By the way, that was the very first time they requested that type of insurance ( HO6 ) because the previous times they were referring to the hazard insurance ; and we accordingly took care of that. My agent, XXXX keeps in records all the letters. 
Here, I am attaching this table so that you can better understand our request. Please, advise I am really disappointed with this Bank. I really want to solve this issue because it is so unfair. This is a mess! They have just Increased our mortgage payment by more than {$400.00} a month until XXXX because the escrow account is in negative balance for up to {$4000.00}. Please, take your time to review this for us because we are done dealing with this bank. Please, advise Thank you in advance. 
Best Regards, XXXX XXXX. 
XXXX XXXX.
Consumer complaint received 2022-10-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft there has been attempts to open credit cards and car loans under my name giving me hard inquiries on my credit report that are not mine. Im attaching my identity theft report which states all the inquires that are fraudulent & must come off. I will also be attaching my license as proof of my identity. The inquiries that are fraudulent are XXXX XX/XX/202XXXX 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 2020-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Glasser and Glasser, PLC (DC)

XXXX XXXX XXXX has falsely reported a credit line of extension. 
The Bank has sold the alleged debt to a collections agency Glasser and Glasser as of XX/XX/XXXX The Bank has not provided any documents-emails, calls, letters from any branch in the amount of the debt {$10000.00} ( approximate ). 
The Bank has attempted to open a law suit on the alleged debt through XXXX without notification of the sale of this debt notice of sale Glasser and Glasser has furthermore not provided any communication on the any collections actions Under 15 USC 1692 ( e ) ( 8 ) request XXXX to be investigated for intentional non compliance and knowledge that its agents have violated FDCP statutes in XXXX and XXXX XXXX XXXX ( affirmative false representations and omissions of material facts to a third party collections agency ). 
Glasser and Glasser regularly collects debts as part of their business activities. 
It has threatened to collect on a charge off that has not been affirmed by the defendant or through the Bank with original signatures of the contract The harassment, illegal actions include vandalism of the property, stalking in XXXX. 
The Bank has from XX/XX/XXXX not responded to any requests for documents or communications. They have not responded to any mails. 

Please also include investigations into transfer of {$770.00} by XXXX XXXX XXXX without any notice in the mail or through email or call. 
Thereafter within, 30 days I received notice of private suit on a line of credit for {$10000.00} approximately opened in XXXX by the Bank through a third party collections agency ( XX/XX/XXXX XXXX   XXXX XXXX  ) Lawsuit in XXXX is further harassment impacting credit score and ability to obtain employment in XXXX and XXXX XXXX XXXX. The additional burdens of requiring lawyers who have the knowledge and ability to work on contingency has reduced my income and savings to below acceptable. The Bank has in various ways attempted to take private property and my access my 403 B on false grounds through harassment on the checking accounts and by alleging a false line of credit on card through fraudulent actions of bank employees.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  15 usc 1681 section XXXX A states I have the right to privacy 15 U.S.C. 16815-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies.