davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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. (TX)

INACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX XXXX XXXX  OPEN XXXX XXXX. {$440.00} XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX XXXX. {$430.00} THE NAMES : XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

Identity was stolen/compromised and later discovered that my personal information was utilized to rent/lease an apartment/home in my name even after informing of identity theft National Credit System continued to attempt collection and refused to remove from credit report. 

FTC Report Number : XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$460.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I have requested multiple times that my loans be consolidated and a single payment amount be given. I was in turn placed into forbearance, deferment, and unemployment hardship. I have not once requested these things. I would like my payment to match the payment I was given on their calculator. I have verified my income, and when they asked if I wanted to begin repayment, I clicked yes. I have received 10 letters in the mail, each with a different payment amount from the SAVE plan all while maintaining my employment in the public sector to apply for PSLF. MOHELA became my servicer when I indicated I would be applying for PSLF and they can not seem to get it together. I just want to ensure Im credited for payments, and not place into forbearance or deferment that I did not want! Ive also requested a name change 4 times- to reflect the correct name- and it still has not been done, the IRS and my employer changed my name immediately but MOHELA wont!
Consumer complaint received 2020-08-18
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. (OH)

I mailed letters to all 3 credit reporting bureaus ( TransUnion, XXXX, XXXX ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no response.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/23 Bank of America transferred funds without the consent of the account holders to cover an overdraft on an account that has been opted out of overdraft protection. I have spent hours being bounced around to 5 different people at different departments all saying someone else would return the money only for another agent to tell me that they're allowed to take money from any account and will not stop the transaction in spite of the account not being allowed to make overdraft transactions and being opted out of 'overdraft protection '.
Consumer complaint received 2020-10-02
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)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (OK)

CMRE financial Services keeps posting a debt on all my credit reports. I will get them removed because they can not be validated and they put them on again. 

I have no idea what this debt is. And now when I try to get dispute the debt again, it will bot let me, even though it was already removed. This is not be debt and if it was already removed, it should not be constantly put back on my credit report. 

XXXX : : CMRE
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (NY)

On XX/XX/XXXX I was called on my cellular phone by Cedars Business Services for a supposed debt collection measure arising from a XX/XX/XXXX incident which never had occured. I had not seen any letter from the company prior to this phone call. It was for a supposed non-US parking violation outside of the United States in XXXX. The person on the phone insisted I was in violation and must pay immediately. 

I explained in the phone conversation that no amount is due, no infraction was ever done, and that calling as a debt collector is not appropriate without any letters of information. Following the phone call I was sent a letter. I immediately sent an email explaining my position of an incorrect / erroneous debt collection, which was outside of the United States and never sent to me. I had never been in violation of anything during this time period. 

The company 's phone number is XXXX They are at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX -Date of inquiry : XX/XX/XXXX
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I notices there are A LOT of inaccurate information including personal information ( name, address ), account information inaccuracies including but not limited to incorrect or inaccaruate balance, terms, dates of reporting, mis-information regarding account information. Furthermore, late payments Listed under the collection account name account number from my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency this collection claiming a history of late payments is a false representation to my relationship with them they can not report any payment history on the account from the alleged creditor before them a collection is by default derogatory this goes without saying please delete ALL negative information from my credit report immediately ( I have provided proof of negative informtion in this letter. Under the FCRA certain inaccurate information in all reports ( XXXX, XXXX, and XXXX  ) also to include third party consumer reporting agencies. The following are violating my consumer rights : NEGLIGENT VIOLATION- failure to comply with the FCRA Litigation Activated- violated the FCRA by negligently Failing to follow reasonable procedures for ensuring the accuracy of consumer information.

Failing to properly investigate or reinvestigate a consumers dispute.

DAMAGES AND REMEDIES- failure to comply with the FCRA I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

I am requesting that the item be [ removed, updated, or other suggested change ] to correct the information.
Consumer complaint received 2020-10-02
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. (AL)

THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-10-02
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. (AL)

THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/20 I deposited a check into my account by mobile deposit for {$1200.00}. I discarded the check by throwing it away in the trash and the money was credited to my account. On XX/XX/20 I check my account and noticed some money was missing. I called the bank Wells Fargo and they informed me that the check was deposited twice. They told me the check was also deposited on XX/XX/20 at a XXXX  XXXX  into someone elses account. The bank never contacted me to inform me of the situation but kept accusing and calling me a thief. I have been calling almost everyday to get this resolved but havent received any resolution. I have filed numerous complaint with then and also no resolution.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I disputed two charges with XXXX after XXXX refused to help. 
Capital one asked me for proof of return, so I sent them the XXXX tracking numbers that XXXX provided to me which shows both were received by XXXX. 

That should be ample proof, yet Capital one, without even reaching out to me to ask for more detail, closed the disputes stating they didn't have the information I asked for. 

I wasted 40 minutes of my time today talking to an incompetent Account manager who didn't seem to understand what I was saying and not once did she say I needed to send screen shots of the XXXX site showing it was delivered. Why can't Capital one plug the tracking number into the XXXX tracking site and see that themselves? 
Takes seconds. 

I sent the screen shots today but have no faith after this they will handle accordingly an dthis is a prepaid account so that's my money. Not happy with how they have handled this nor their lack of decent service agents I will attach documents for more information.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (IL)

I have friends in XXXX to whom I send a few XXXX dollars per month!! 
I was sending some money with Xoom!! 
They now refuse to transfer money money for me!!! 
They also told me that it is against company policy to give me any information about their refusal to allow me to use their service! 
Isn't this like a loan company refusing to tell why my loan was denied??? 
XXXX XXXX, and XXXX XXXX have also blocked me, stating fears of fraud!!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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.

has violated my rights. Or a list of inquiries : 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 a 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 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 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-10-02
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. (AL)

THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (LA)

I just completed a 5 year bankruptcy with M & T Bank. It has been a complete and utter nightmare! Though my payments have not always been on time, they are being made. Since XXXX i have been having trouble with the bankruptcy department giving me correct information and breakdown. I always asked before paying my payment which month it is being added to because i know it is a recorded line and the next time i would call funds would be applied to a separate month and i would have to file a complaint and they would look into it and of course i would end up paying extra money. Now, i have been keeping records and in XXXX they sent me a breakdown of what was owed and i sent a check. Every month i would have to send a check via UPS ( as per their request because they would not let me make payments over the phone ) since it was the end of my bankruptcy and my account was in " suspense '' i kept track of every check in 2020 and in XXXX i sent two checks one for XXXX one for XXXX. M & T Bank held one of the checks in suspense and when i asked for the funds to be applied in XXXX & XXXX, finally in XXXX they applied the funds to XXXX. Now they are claiming i owe for two months and i filed a complaint with back-up documentation including a breakdown that was sent from their lawyer to my lawyer and the representative is still arguing with me telling me im incorrect. I have made monthly payments, lawyer payments, suspense payments and i should be due for my XXXX mortgage payment. I have attached all of the recent payments made and the breakdown sent to my lawyer from M & T bank. I am petrified they are actively trying to foreclose on my home! Please help. i can answer any and all questions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (NJ)

On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.
Consumer complaint received 2020-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person (
company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of
debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter
very serious ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION   Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to follow up my complaint regarding the presence of several delinquent accounts listed on my recent credit report, which I obtained and thoroughly reviewed. Upon examination, I discovered numerous inaccuracies and discrepancies that have caused me significant distress and concern.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XXXX XXXX I spoke with a representative at Equifax regarding the reporting of inaccurate and undeliverable addresses being reflected on my credit report. Subsequently a dispute was filed. The following dispute results were mailed to me reflecting the addresses were deleted. *see attached document* When I pulled my credit report yesterday ( XX/XX/17 ) they were still on there. I have contacted Equifax again and they provided me with no assistance in removing what they were supposed to delete.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

XXXX XXXX XXXX keeps trying to collect more than what it owed. I've reached out to the apartment complex and i've spoken to a couple of people at the collections office. This still has not been updated with accurate information and they keep reporting it to my credit profile.