davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NC)

I am a federally protected consumer.This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( 1 ) and 15 usc 1692d ( 2 ). This company is communicating that I owe a debt. This is a violation pursuant to 15 usc 1692b ( 2 ). These all are violations of my consumer rights under the FDCPA. This company has called me 11 times from XXXX, left voicemails ( I have the proof with transcripts ) and has sent numerous letters. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 11. Citibank has been utilizing robocalls without my consent to receive these calls which is illegal. Pursuant to 15 usc 1692k ( 2 ) ( a ), I am owed {$1000.00} per violation.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was not.
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (MI)

Experian continues to report inaccurate information onto my consumer report. My name is XXXX XXXX XXXX that should be the only name on my consumer report all the other names should be deleted immediately because they are not mine and I have stated this on several occasions and you have been provided identity documents. My address is XXXX Timber XXXX XXXX XXXX # XXXX XXXX Michigan XXXX any other address is incorrect and should be deleted immediately. Delete all those phone numbers they are not mine. Experian continues to violate me everyday although I have called and submitted disputes they still continue to report inaccurate information this is a violation of FCRA. 

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 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX  APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE CASE BANK APP IS XXXX AND THE SCORE I SEE ON XXXX  XXXX APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED GURANTEED RATE AFFINITY THEY ADVISED ME THAT MY CREDIT SCORE IS XXXX THROUGH EXPERIAN, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST XXXX POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME XXXX IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to dispute the information currently present on my consumer report. My name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It has come to my attention that there are additional credit inquiries, names, addresses, phone numbers, and employers listed on my consumer report that are inaccurate. These inaccuracies are a result of my nonpublic personal information being shared by financial institutions with consumer reporting agencies without my written permissible purpose or a court subpoena, which is a violation of the Fair Credit Reporting Act. 
In compliance with the Fair Credit Reporting Act, obtaining a consumer report on an individual is only permissible if the consumer is explicitly informed in writing, or by mail within three days from the credit inquiry date, that an investigative report may be generated for them. The individuals listed below failed to furnish written disclosures to me, and I request the prompt removal of these unauthorized inquiries from my records. 

XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  TransUnion I kindly request the following actions : Delete these unauthorized credit inquiries associated with my consumer report immediately and permanently. 
Delete all other names, addresses, phone numbers, and employers listed on my consumer report. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I recently checked my credit report because I am in the market of buying a home. Upon checking my report, I noticed that both XXXX and Equifax are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report 4 times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold Equifax and XXXX accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT 4 TIMES. I expect them to be deleted immediately.
Consumer complaint received 2022-02-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

US DEPT ED XXXX {$7300.00} US DEPT ED XXXX {$5900.00} US DEPT ED XXXX {$2800.00} US DEPT ED XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

You ( Credit Reporting Agency ) is violating my consumer right to privacy pursuant to 15 USC 1681b ( 2 ), company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 ( a ) ( 4 ) My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act. Pursuant to 15 USC 1602 ( p ) the term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) by a person other than the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use and from which the cardholder ( Consumer )
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc. (IL)

MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.
Consumer complaint received 2021-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I am requesting action to correct a mistake made on the part of FedLoan Servicing regarding my student loans. It is delaying my qualification for loan forgiveness and thus costing me 5 months of extra payments that I should not be responsible for. 

As you may know, the PSLF ( Public Service Loan Forgiveness ) program provides a path to forgiveness of remaining loan balance after 120 payments made while working full time in nonprofit, government or military. 

Between XX/XX/XXXX and XX/XX/XXXX, while working full time in nonprofit, I made full monthly payments towards my Federal Direct Loans. These 5 payments were made while my loans were serviced by a different servicer, XXXX XXXX. The loan was transferred to FedLoan Servicing in XXXX. XXXX XXXX no longer keeps records after this transfer. 

According to FedLoan, these payments do not counted towards the total 120 payments simply because it occurred prior to the transfer and they have yet to verify. I disagree as these payments were made with all stipulations of the program satisfied. They should be counted towards my total of 120. 

Over one year ago, I called to request a manual recount. The recount has not been completed. I called FedLoan Ombudsman today ( XX/XX/XXXX ) to get an update and was told there is no estimate time as to when this can be completed. The agent, XXXX XXXX did not provide any assurance that it would be done in a timely manner, or that it would be done at all. She did not offer to transfer me to someone who might be able to help. 
I am down to my last few payments of the 120 total, I do not have much time left to get this done and thus I am requesting your help. 

In the attachment, the circled payments are those pending review.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've had a problem with identity theft and reported this information to the credit bureaus. Transunion has removed credit freezes and fraud alerts from my account without even verifying that I was requesting that they be removed which I did not. They have also lied about placing them. When I told them I have the correspondence then the story changed. Transunion does not do their due diligence to insure protection.
Consumer complaint received 2022-10-09
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. (MI)

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, 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 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 a a
ccount with my written instructions
Consumer complaint received 2021-03-10
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: Paramount Recovery Systems, L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Told company by phone that this is not my debt. I have never done business with LVNV Funding managed by Resurgent Capital Services at XXXX on XX/XX/2019. 

They don't care that I do not have a written signature contract with them. I do not owe this company and they need to remove this from all credit reporting agencies and my reports and never be able to put this back on their again or try to call me or send me mail again. 

If they try to sell this to another company this is fraud as I will not owe that company either. 

Do not ever Call me repeatedly or/and mail letters.
Consumer complaint received 2022-02-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I have submitted for assistance from Mr. Cooper. They did advise me that my documents are there but were just sitting there. I asked why they were just sitting there and was given the runaround. No one could give me an answer.. I called numerous times and finally I was advised by XXXX XXXX based in Arizona, that the reason theyre not reviewing my file is because I have an attorney on record.They insisted that my file needs the bankruptcy attorney 's consent. Why did it take them so long to advise that? That would have been simple to provide but it also does not make any sense. Please see attached document from the bk court stating that and I quote- It is further ordered " in addition to potentially pursuing other loss mitigation alternatives including but not limited to, a loan modification. '' After going in circles I was then advised that my file will not be reviewed as it is a commercial property. So which is it. It is not a commercial property. I live in my house. It is a single-family residence. Not a commercial property, it's not rented out. I actually live there. I am a XXXX XXXX XXXX vet and I do not pay property taxes. That would not be the case if this was a commercial property or non owner occupied property. 
Please see attached utility bill showing that I live there and please also see attached documents from the county. Please also see my mortgage statement which shows the property and mailing address as the same. At this point I feel like I am being discriminated against based on my age and XXXX. My file has been neglected and looked over. Because I am older doesn't give anyone the right to ignore my inquiries. There is no valid reason why my file can not be reviewed for assistance. I do not want to lose my home. I have nowhere to go.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance - XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-03-06
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-05-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

For over a week I have been contacting Lakeview Loan to get my payoff amount corrected so I can complete my refinance. A week of endless headaches and calls with no resolve! No one will call me back and help me. No manger or supervisor has handled this or called me back as promised. I need help!!
Consumer complaint received 2024-03-06
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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.