davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1800.00}.
Consumer complaint received 2019-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I got this loan in XX/XX/2014 only had 8 late payments, loan started at XXXX now after 4 yrs balance is XXXX, It hadn't went down only up this can't be right. I had no help from them, they just say pay more, I need help so I can pay it off
Consumer complaint received 2022-07-27
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. (IN)

XXXX XXXX XXXX XX/XX/XXXX XXXX I have been disputing this inquiry on my credit report that I have nothing to do with and it do belong to me at all please help me understand why they keep telling me that is flexible when it's fraudulent I have no contract with this company at all and it does not belong to me Inquiry XXXX. Date XX/XX/XXXX
Consumer complaint received 2019-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I am requesting the proper documentation showing proof of a debt purchase. I understand that the Federal Trade Commission is explicit on debt purchase arrangements, where such proof can not be just a letter from the original creditor. If proof is not certain, then my rights are still in play under the Fair Debt Collection Practices Act. At no time was I even given proof of transfer from XXXX XXXX XXXX of an actual purchase of the {$1100.00} credit card obligation. If I do not receive such proof within the next 30-days, I will take the position that XXXX XXXX XXXX is operating as just another collection agency, not a debt buyer. The XXXX v. XXXX XXXX XXXX decision from the United States Supreme Court in XXXX of 2017 is causing problems in the debt collection industry, where debt collectors are now classifying their organizations as debt buyers without proper protocol.
Consumer complaint received 2019-01-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2018 I submit a request to all 3 credit companies with documentation in support of asking them to investigate and remove XXXX XXXX XXXX XXXX loan because it was fraud and obtain through Identity theft. All 3 investigated and XXXX   along with XXXX  decision was it was deem fraudulent and removed it from my report. Experian did not remove XXXX XXXX XXXX XXXX but as you can see in my documents they remove XXXX XXXX XXXX XXXX/XXXX XXXX. One part of the loan. I am begging for assistance to get this resolved.
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (WI)

Paypal transaction Afternoon XX/XX/2019 I received a text message about an amount of money being sent. Paypal sent me a text message to reply yes or no to confirm suspicious transaction. It opened a case then a comment was left on " spoof case created via IVR XXXX ''. I did not make that comment. 
I change my account information immediately. 


The money in the transaction was pulled from my banking to paypal to a sketchy account. 

This is the transaction ID XXXX
Consumer complaint received 2019-06-11
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. (NM)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MO)

We refinanced our mortgage in XXXX XXXX. It was quickly sold to RoundPoint Mortgage Servicing. On XXXX XXXX, XXXX I first contacted RoundPoint to notify them my initial escrow deposit of {$3300.00} was missing from escrow. It took until XXXX XXXX, XXXX for the funds to finally be deposited. The agent I worked with told me no analysis would be done because the Initial Escrow Analysis from origination was accurate. The deposit is incorrectly credited on the account as a Hazard Insurance Refund. Today I went to make my XX/XX/XXXX payment and noticed the payment has increased from {$1200.00} to {$1200.00} - increase of {$9.00}. I looked further and realized on XXXX XXXX, RoundPoint performed a short cycle analysis effective for the XXXX XXXX payment. They are violating RESPA guidelines and are not providing at least 30 days notice of a payment increase due to escrow. I was on the phone with customer service for over 1 hour and am no closer to an explanation. The level of customer service I have received is far below the level anyone should be receiving. For example, on the phone today, the agent informed me the analysis was performed and payment increased due to taxes increasing, which is completely false. I was also advised that they received an insurance refund on the account, again false. I should n't have to hand hold every customer service agent I speak with to tell THEM what is happening with my account.
Consumer complaint received 2019-01-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In reviewing my credit report in XX/XX/2018, I learned a company, XXXX XXXX XXXX, had reported a debt in XX/XX/2018 and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and USPS returned the mail undeliverable. I submitted online disputes with Transunion and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for XXXX XXXX and have never received any response. I sent letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 to XXXX. The online disputes were submitted to the credit report agencies during that time and again recently. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by XXXX to contact me.
Consumer complaint received 2019-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (PA)

Customer service advised extension would be provided when I was eligible only to deny it I fell behind on payments but have called and talked to multiple reps who told me when I'd qualify for the extension. I have missed payments and returned payments that I have replaced. I was told I'd qualify around XXXX in XXXX. Called XXXX and was told to wait till the end of XXXX only to have it denied now because of payment history. I'm obviously struggling and that's why I asked for the extension. The representative should have told me I wouldn't get one from the start instead of me making arrangements to get to the point of getting the extension to be turned back around.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (ID)

XXXX, XXXX  .XXXX I have done online disputes disputes by mail and called there fraud depts about in authorized disputes and the always say they were validated and accurate which ifalse is have filed complaint with fcra filed a identity theft report called each individual inquiry 1 company removed it These are the inquires that Still remain and are so called validated By bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These r violations 15 u s c 1681 section 602 a states I have a right to privacy 15 u s c 1681 604 sec 2 also states a consumer reporting agency cant furnish a account without my written permissin
Consumer complaint received 2022-07-27
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION ()

This is an update on complaint XXXX against SunTrust mortgage/Truist Bank . We have now received our telephone bill - and despite being given a list of free fone numbers, ( following our annoyance at having clocked up over {$60.00} of telephone call charged ) by Truist bank agents NOT ONE is actually free - as a result we have now been charged a further XXXX = {$170.00} approximately and still have yet to receive the balance of our account which was completely changed without our knowledge nor consent by Truist bank. 
Truist bank is not functioning as a customer friendly unit!! 
XXXX and XXXX XXXX
Consumer complaint received 2022-07-27
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. (GA)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance XXXX {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servis One, Inc., Titusville, PA Branch (CA)

Dear CFPB, I want to report that there has been FOUR different entities claiming ownership of the alleged Note on my XXXX XXXX XXXX XXXX XXXX, CA XXXX property in the last four months. These entities are XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XXXX XXXX, XXXX XXXX XXXX, Trustee to the XXXX Trust X, XXXX, XXXX XXXX, and XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX XXXX.

On XX/XX/XXXX I served a QWR and Debt Validation Demand Letter to XXXX XXXX the new servicer effective XX/XX/XXXX. Copy of QWR Attached.

Attached are the four correspondence letters for confirmation from the following entities including XXXX XXXX XXXX., XXXX XXXX and XXXX First, on XX/XX/XXXX, XXXX XXXX acknowledged that the beneficial interest was assigned to XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XX/XX/XXXX-XXXX Trust. Also included on the correspondence was a Lost Note Affidavit dated and notarizedXX/XX/XXXX.

Second, On XX/XX/XXXX XXXX XXXX acknowledged that the current owner of the note was XXXX XXXX XXXX, Trustee to the XXXX XXXX XXXX.

Third, on XX/XX/XXXX, XXXX XXXX acknowledged that XXXX, XXXX XXXX was the owner of the note. In addition XXXX XXXX confirms that they have the collateral file, which includes the wet-ink signatures Note for this account. Copy attached to the Correspondence Letter.

Fourth, on XX/XX/XXXX, XXXX XXXX   acknowledge that the investor owner of the note is XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX  Trust.

I'm demanding immediate cancellation of Trustee Sale scheduled for XX/XX/XXXX and rescission of all the fraudulent, forged, robosigned documents, assignments, notice of defaults and notice of trustee instruments recorded on my property XXXX XXXX XXXX XXXX, CA XXXX recorded at XXXX   County Recorders Office. Please email immediate cancellation of trustee sale confirmation to my email XXXX and respond to my QWR Demand Debt Validation letter pursuant to my FDCPA, TILA, RESPA, FCRA consumer protection rights.

attentively, XXXX XXXX XXXX
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC. (FL)

*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against navient and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.
Consumer complaint received 2019-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is reporting all obsolete student loans. I have attached the credit report with all of the obsolete loans displayed. I have requested for the old student loans that are too old to be in credit file to be deleted numerous times but yet the organization refuses to delete. I have attached a copy of my credit report with the obsolete student loans and again requesting for the immediate removal of the old loans. It seems they are re-aging. I have asked TransUnion to request opening of student loans and payment history of each which would support that all loans meet the criteria of being too old to be on file.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have asked this company several times to correct the personal information on my credit report. It has been such a struggle to get them to report the correct information. You continue to report addresses to my profile that i have not lived at. I will attach again the only and proper name, and address that should read on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/1977 XXXX XXXX is my only employer. 
Please correct this on my credit report.
Consumer complaint received 2019-01-13
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: EQUIFAX, INC. (MO)

This account was opened by deception, upon attempts to payoff and close the company proceeded to violate the The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999. It is a United States federal law that requires financial institutions to explain how they share and protect their customers ' private information.
Consumer complaint received 2022-07-27
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: CCS Financial Services, Inc. (CA)

I was promised over the phone by Credit Collection Services that if I paid the amount they were charging me, they wold remove the item from my credit report. And this was the only reason I paid, since I had absolutely nothing to do with the original charges. Mainly because I don't have or never had any business with Credit Collection Services, they don't have a single paper signed by me, and they simply can't verify the debt. 
And now comes the worst part, even after I paid a debt that I didn't recognize, they promised over the phone they would remove everything from my credit report, and then after I paid, they just failed to follow through with the agreement. More than a year has passed. 

I assume they are going to ask for more money so they can finally remove the item from my credit report. If they actually do. 

PS : For XXXXAccount number XXXX In accordance with the Fair Credit Reporting Act XXXX account number 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.DELETE THE ACCOUNT
Consumer complaint received 2020-12-16
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 — Investigation took more than 30 days
Company: A+ Loans, Inc. (GA)

A dispute letter was mailed on XX/XX/2020 in regards inaccuracies of the inquiries and the collection account from A+ LOANS. I did not receive any letter indicating that the information was accurately reported and verified. I sent a 30 day demand letter on XX/XX/2020 informing XXXX that I had not received any correspondence in 30 days and that the reported inquiries and collection account from A+ LOANS need to be deleted.