davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
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. (SC)

Good Afternoon, XXXX XXXX XXXX submitted a fraudulent collection credit item to my Experian and XXXX XXXX credit report. The collection does not belong to me. The date the collection was submitted to my credit report was XX/XX/2018. I tried several times to resolve this issue with the collection agency and credit bureau. XXXX continues to report the fraudulent collection and continues to increase the amount of the fraudulent debt every month. The original amount reported was {$3000.00}. As of XX/XX/2018, the debt now shows an amount of {$3400.00}. I sent letters to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2018.  XXXX continues to send documents stating the account is mine that doesn't bear my signature authorizing the debt. I've sent letters to Experian on XX/XX/XXXX and XX/XX/2018. I've sent a letter to XXXX XXXX on XX/XX/2018, Experian continues to send me a credit report stating outcome updated. The comment written under the collection states account information meets the FCRA requirements. XXXX XXXX removes the collection debt twice, then place it back on my credit report. I never received any documents from XXXX XXXX regarding my credit letter I sent them on XX/XX/2018.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance  procedures XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX  XXXX XXXX, NC XXXX BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I was hit hard by COVID, selling assets to bring my loan current in XX/XX/2021. I contacted my servicer Flagstar for options and was told for a loan modification, my loan must be delinquent and to not make my next payment. I did as instructed and re-contacted for a loan modification. I went thru the process and was informed I would receive an overnight package with term options. No formal underwriting was required and Id met the guidelines. I received nothing.I contacted the servicer and have had to repeat the exact same process more than 5 times. 8 months have passed. At last contact the employee stated I was the one causing my loan to be recoded out of loss mitigation process by logging onto the website. Their recording states, IF Im in the loss mitigation process I dont need to do anything. Then I receive a letter saying, we have received your notice that you are resuming your mortgage payments. Employees have assured me, due to my status and COVID requirements, the modification would be 4-6 weeks. Im now at 8 months and recently received a full application for a loan modification to include taxes, financials etc, after being told several times my loan was in underwriting to reduce my loan payment. I believe the delay was intentional to wait out COVID requirements, so they can foreclose. I have a decent amount of equity and homes are selling within a day of hitting the market. Ive stressed my situation repeatedly. Last year, their tone was gracious and helpful. Now, its abrupt, rude, collection calls and Im very afraid I will lose my home.
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: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (WI)

I have a merchant account with First data. Out of nowhere they sent me an email asking me several questions about the business but before I could respond to the email someone called asking me those same questions. I answered all of those questions and emailed over the bank statements they requested on XX/XX/XXXX. They never mentioned putting a hold on my account. On XX/XX/XXXX they did not release my funds of {$2300.00}. They also held my funds from XX/XX/XXXX of XXXX They told me someone would follow up with me within 4 days. It has been 17 days, I cant get in contact with the risk management team nor has anyone reached out to me with a resolution for this situation.
Consumer complaint received 2019-01-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

this complaint is continue for the case XXXX which was filed on XX/XX/XXXX. 

After the first complaint filed, the bank did contacted me and told me they are working on it, and transferred my case to their searching department. I was happy with their response. but they are very slow as they responded to this case like around 60 days. I also made my XX/XX/XXXX payment which I should pay and received on XX/XX/XXXX. 

I requested payment history, but I never received it from the bank. what they are doing is trying to collect the debt I didn't own. 

I can wait if they are doing searching, but their collect department keeps bothering me and my wife, trying to collect the money which I should not pay, it already interrupt our regular daily life. they don't have any communication between different deportment. their searching department response is very slow, but their collection depart is too active. 

If they couldn't resolve the issue with short time, please ask their collect deportment stop collecting the debt before they finish their searching job. Here I updated the supporting material in the attachment.
Consumer complaint received 2023-08-07
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: CL Holdings LLC (KS)

Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan XXXXue to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed some items that Experian has listed on my consumer report on XX/XX/2020. I received correspondence from Experian on XX/XX/2020, stating " the information was verified. 

On XX/XX/2020, I sent another letter to Experian again disputing the items and requesting their method of ( verification ) Validation of the disputed items. In the letter, I enclosed a copy of my social security card and Georgia Drivers License. I also sent the letter certified ( see supporting documents ) On XX/XX/2020, after receiving correspondence from Experian once again stating " verified '' but no explanation or documentation of the method used to verify ( validation ) the disputed items, I sent another letter to Experian clarifying that the method used to verify ( validate ) the items were what I was requesting. Again, I sent the letter certified ( See supporting Documentation ). 

On XX/XX/2020, I went and had a sworn affidavit drawn up stating the facts up until that point and had it notarized, and sent another letter to Experian demanding deletion of the unverified ( unvalidated ) items. Again, sent the letter certified. ( See supporting documentation ). 

On XX/XX/2020, I received an email from Experian stating " results of the investigation complete ''. I checked the results of the investigation and once again it stated verified or updated but no information or documentation on how the items were verified ( validated ). ( See supporting documentation ) At this point, I am reaching out to the Consumer Financial Protection Bureau because I feel Experian is willfully violating the rights afforded to me under the Fair Credit Reporting Act.
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. (TX)

I have been sending numerous letters to the Credit Bureaus and yet they have kept ignoring the letters I sent! I am frustrated by this action done by the Credit Bureaus and I am inclined to pursue legal action against the Credit Bureaus. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 650b. The last letter I sent to the Credit Credit Bureaus was XX/XX/XXXX with complete attachments such as my driver 's license and the ID THEFT REPORT I received from the FTC which are the requirements of the FCRA Section 605b. Despite all my efforts to correct my Credit Report, the Credit Bureaus have grew negligent of their duty to comply with the FCRA regulations and have kept ignoring my letters which is a clear violation of the FCRA statute. I need the following items removed at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX FM XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX, TX XXXX KEY XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC (KS)

With reference to the letters dated XX/XX/XXXX2021 ; XXXX XXXX, 2021 ; XX/XX/XXXX2021, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that DIRECT RECOVERY SERVICES , LLC has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by DIRECT RECOVERY SERVICES , LLC has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring DIRECT RECOVERY SERVICES , LLC from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of DIRECT RECOVERY SERVICES , LLC agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
Consumer complaint received 2023-03-28
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. (VA)

In accordance with the fair credit report act XXXX  account # XXXXand any inquiries on my credit report is in violation of my rights. 15 USC 1681 section 602 a. States I have the right to privacy.plus 15 USC 1681 section 604 a.states a consumer reporting agency CAN'T FURNISH A ACCOUNT WITH OUT MY PERMISSION
Consumer complaint received 2022-03-14
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. (GA)

To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX XXXX XXXX ] ran an unauthorized credit inquiry on me on [ XX/XX/XXXX ]. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX as well as a violation of my rights to privacy. Please contact [ company ] and investigate such occurrence. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below. 
Thank you. 
Sincerely,
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One utilizes deceptive practices when provided users with their credit card statement via email. On two occasions my payment has been late due to the fact that the email highlights the " Statement Close Date '' and buries the " Statement Due Date ''. All other credit card email statements I receives highlights the Statement Due Date and payment date. The manner in which Capital One disseminates the information on the email highlight statement it is easy for a user to miss the payment date and incur late fees. After presenting the emails I have received from Capital One to numerous individuals, they all thought the Payment Due Date was the highlighted Statement End Date and missed the Payment Due Date buried in the first paragraph. 

I feel this is done purposefully by Capital One in order to increase their late fee revenue rather than provide the consumer with an easy to understand email highlight statement of when and how much is due.
Consumer complaint received 2019-01-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Arbor Residential Mortgage LLC (GA)

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who's involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

note date XX/XX/XXXX mers report XXXX stated it was sold to XXXX  MAILING ADDRESSES FOR PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  FOR OVERNIGHT MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX  PHONE XXXX CEO GA ATTORNEY Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Contact : XXXX XXXX XXXX : Chief Executive Officer Phone : ( XXXX  ) XXXX  Website : XXXX
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I was recently looking through my Experian file on XX/XX/XXXX I noticed there were Inquiry 's I never gave authorization to or have no knowledge of. This was not done by me. I Called the companies involved they said it's best for me to deal direct with Experian to get them removed as they have no signed documentation since I did not deal with these companies Here are the inquiry 's that are not accurate and I would like removed from file.

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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. (TX)

I have been sending numerous letters to the Credit Bureaus and yet they have kept ignoring the letters I sent! I am frustrated by this action done by the Credit Bureaus and I am inclined to pursue legal action against the Credit Bureaus. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 650b. The last letter I sent to the Credit Credit Bureaus was XX/XX/XXXX with complete attachments such as my driver 's license and the ID THEFT REPORT I received from the FTC which are the requirements of the FCRA Section 605b. Despite all my efforts to correct my Credit Report, the Credit Bureaus have grew negligent of their duty to comply with the FCRA regulations and have kept ignoring my letters which is a clear violation of the FCRA statute. I need the following items removed at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX FM XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX FM XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX  ( Original Creditor : SPRINT ) XXXX Balance Owed : {$690.00} 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX