davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-08-12
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)

SOMEONE STOLE MY IDENTITY ABOUT A YEAR AGO AND OPENED UP CREDIT IN MY NAME. IT APPEARS THAT TWO OF THE ACCOUNTS WERE SOLD TO A COLLECTION AGENCY.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

SOMEONE STOLE MY IDENTITY ABOUT A YEAR AGO AND OPENED UP CREDIT IN MY NAME. IT APPEARS THAT TWO OF THE ACCOUNTS WERE SOLD TO A COLLECTION AGENCY.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the collection account listed on the following account. This delinquent account record is inaccurate and is not my account, I am a victim of identity theft. I request that the following account be promptly removed. My identity theft of my personal information is still ongoing and any credit that was issued out with out my consent must be removed. 

XXXX XXXX XXXX : {$910.00}
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (GA)

In 2008 I received a mortgage loan from XXXX loan in the amount of XXXX. My loan was then sold to IndyMac bank. The loan was 10 year interest only then principal would start and because I was young and dumb. My first home I didn't really think about it much. I just assumed I would transfer it into a regular 30 year loan in a year or two. Little did I know that was going to be virtually impossible. Despite my financial circumstances changing IndyMac later switched to OneWest bank refused to provide any type of mortgage assistance or modify my loan. I have a ton of paperwork showing I qualified but they would not fix the problem then when it was almost 10 years my loan miraculously transferred to another provider. Now after 12 years of payments most over XXXX a month. I still owe XXXX on this mortgage and it was recently transferred to XXXX XXXX management. I feel like a XXXX just keeping getting XXXX by these lenders over and over again. And now due to Covid 19 I'm not working and only drawing unemployment. Please provide some type of guidance or assistance on who or where I can turn to for help. I think it's a major sin that this has occurred to me and continues to keep happening. I know I've been a victim of predatory lending. My primary issue are with Indymac Bank and OneWest bank for the horrible practices they put on me and my sick older mom.
Consumer complaint received 2020-06-18
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. (NC)

Experian continues to mark my legitimate credit disputes as frivolous. I'm starting to interpret that as willful non-compliance in their continued reporting of a negative information that does not belong to me to me. See attachment.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I sent Portfolio Recovery Associates, ( PRA ) a letter a few months ago. In part, it reads ; I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof of full history of the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 


PRA in turn sends a 1 page letter. No history of anthing for me to validate.
Consumer complaint received 2020-08-12
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. (CO)

Experian is reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. )  This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-08-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

i notice a negative item on my credit report from HEAD MERCANTILE COMPANY ON XX/XX/2020 SAYING I OWE A ALLEGED DEBT OF XXXX. I sent them a complaint letter for this debt which I attached a copy below.I am asking for any assistance in this matter
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (MA)

In XX/XX/XXXX, CNAC was sued by the XXXX   Attorney General. A settlement was announced on XX/XX/XXXX indicating that I would be notified by the Attorney General about the impact that this would have on my account. On XX/XX/XXXX, CNAC sent an unsigned letter describing the way they believed my account was impacted and indicated that my payments would be lowered accordingly. On XX/XX/XXXX, I made a payment and I informed CNAC that I would need a copy of my account history to analyze the changes that CNAC suggested were a result of the Attorney General settlement agreement. I received the statement in mid XXXX, XXXX. I have now assembled all information related to this loan and sent a copy to the XXXX Attorney General to ask for their guidance.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had 3 accounts at Bank of America ( 1 checking, 2 savings ) that all used to be free accounts. At some point, the fee rules supposedly changed and I was not notified. Fees continued to accrue on my accounts for 18 months, totaling about {$280.00} in fees. I called Bank of America and they acknowledged that all of the fee rules changed for my accounts at some point and I was told that the information was included " on a small line on one of my statements ''. This should have been sent out as a big bank notification, like they send me an email every time my account is low. They also could have sent out a second obvious mailer. I  believe that they did not want consumers to notice all the new fees. I also believe that have a suspicious practice of giving a free account and then at some point that transitions to having fees. So basically they are trying to hook you and then trick you into accruing a bunch of fees on your accounts. Bank of America only returned {$8.00} I believe, which was one fee on one of my accounts. I closed 2 of those accounts that day but need to stop a direct deposit on the third before closing. I believe Bank of America should be closely investigated for this practice and penalized.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My mortgage was sold from XXXX to Shell Point Mtg. I have not received any statements or requested documents in months. I'm trying to get this paid and they will not send me a statement or itemized bill. My records show a balance of {$34000.00} and they are saying its well over $ XXXX. Also, the online website for my account will not give me access. I have called several times with no assistance. This is borderline fraud. Please help with this.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

A debt validation letter was sent to CAPITAL ONE AUTO FINANCE ON XX/XX/2020 with regard to a concern with possible non full disclosure and fraud with regards to the auto loan in question, by certified mail, which i have not received a response in the fair amount of time of 14 days that were given to them. below is the amount presumed to be owed that was not validate as of today. 

CAPITAL ONE AUTO FINANCE - XXXX, XXXX " WITHOUT PREJUDICE '' Sincerely XXXX XXXX XXXX of the XXXX XXXX family
Consumer complaint received 2020-08-12
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1300.00} DTEDPXXXX  XXXX {$14000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$13000.00} XXXX   XXXX {$480.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$620.00} DTEPXXXX   XXXX {$7900.00} XXXX XXXX {$13000.00}
Consumer complaint received 2020-08-12
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1300.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$13000.00} XXXX   XXXX {$480.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$620.00} XXXXXXXX   XXXX {$7900.00} XXXX XXXX {$13000.00}
Consumer complaint received 2020-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (FL)

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. I demand to see a written instrument bearing with my signature.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have made bi weekly payment to my mortgage. I was advised that because the payments were made separately that a portion of the payment went to the principle balance, and the remaining went to an unappiled status. I informed the representative that I need to have both payments applied to the mortgage. I have made 5 calls to Shellpoint Mortgage LLC, each time I was advise this matter would be resolved. I am now receiving calls and emails that my mortgage is pastdue and late fees will be applied. I do not know what to do. I'm afraid of getting a credit hit. Please help me.
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings (FL)

IT WAS THE END OF MY LEASE, I TRIED TO RENEW BUT NO ONE WAS IN THE LEASING OFFICE DUE TO COVID ; SO I WAS UNABLE TO RENEW MY LEASE. DUE TO NO CONTACT WITH THE OFF I MOVED OUT LEFT THE KEYS IN THE DROP BOX WITH A LETTER SAYING I COULD NOT REACH ANYONE. TO MY KNOWLEDGE THEY DID NOT CHECK THE KEY BOX REGULARY SO THEY THOUGHT I WAS STILL ON THE PREMISSES BUT I HAD ALREADY VACATED. THEY THEN EMAILED ME AND SAID I OWED THEM MONEY BUT I HAD MOVED OUT ALREADY AND TURNED EVERYTHING IN.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates acquired a credit card debt I owed to XXXX XXXX XXXX in the amount of {$2300.00}. I hired the services of XXXX XXXX XXXX to help me with my credit card debt. XXXX XXXX reached a settlement agreement with the XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/2019, who represented Portfolio Recovery Associates. The agreement required me to pay Portfolio Recovery Associates the amount of {$1600.00} to settle the debt by XX/XX/2019. XXXX XXXX XXXX, submitted the payment to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my behalf, as per the terms of the agreement. On XX/XX/2019, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued the XXXX Balance Letter after receipt of payment of the settled amount. Nevertheless, and despite the amount being settled and paid as agreed, Portfolio Recovery Associates has continued reporting to the credit bureaus that I have a pending balance of {$740.00}. I attempted to resolve the issue with Portfolio Recovery Associates over the phone and was told that I had to pay the remaining balance regardless of the settlement agreement. I have filed disputes with ALL 3 credit bureaus to no avail. This is now an issue because I am applying to practice law in the State of Florida and this inaccurate report on my credit is affecting my licensing process negatively. Furthermore, Portfolio Recovery Associates has misreported this debt for almost a year which has also affected my ability to secure credit for other purposes. Their predatory tactics and unscrupulous business practices make it impossible for clients like me to resolve their issues, and when attempting to discuss the issue with them, they are rude and disrespectful.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I have tried several times to get Chase to correct their mistakes and get no response. I've called, faxed letters and messages on-line to get this resolve but get no response to fix it. 

I put my mortgage payments on bi-weekly and Chase withdrew a whole payment at one time and then withdrew another whole payment 2 weeks later. I have correspondence to attach to this complaint. 

Originally they said it wasn't set up right and I told them what I wanted and they said they'd fix it that way but didn't. 

I had to put a stop payment on my account because they were causing NSF charges for over-withdrawing. 

Please see the attached and make Chase service their mortgage propelry. 

Thank you.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX XXXX  is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to XXXX XXXX on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they XXXX XXXX was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX XXXX XXXX verified this account with XXXX  Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (CA)

Experian is refusing to look into my request which I feel is in complete violation of the FCRA. I sent them letters OVER 60 days ago that they have yet to respond to, so then I come here and submit the letters showing that they are not responding and they say they will not look into the issue. I am surprised that CFPB actually allows this response, so PLEASE actually help me with this situation! 

Attached is my ID and proof of address so please do not use the same excuse as to why you're not going to help me
Consumer complaint received 2020-08-12
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)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$3200.00} XXXX XXXX {$17000.00} XXXX  XXXX {$19000.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-12
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$370.00} XXXX   XXXX {$36000.00} XXXX  XXXX {$370.00} XXXX XXXX {$54000.00} US DEPT ED XXXX {$26000.00}
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (WA)

We deposited a check with Citibank XX/XX/XXXX, and they put it in my Checking Plus account unauthorized. It was supposed to go into checking. We were released {$7100.00} on XX/XX/XXXX, and we were just released a letter stating that my credit line was reduced to {$300.00} from {$3000.00}, so they were not able to release the rest of the funds. Now, these funds were not intended to pay off loans, which I was paying every month. So, this was an unauthorized move by the bank. We need the {$3000.00} to pay our movers, and we have asked a relative to cover this, which they may not do. I would like compensation from the bank Citibank, to cover this problem.