davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (WA)

A collection from Vance Huffman was place on my Credit Report. The original creditor says, XXXX XXXX XXXX XXXX XXXX. I have never heard of this company, they appear to have something to do with phones. I have had the same phone through XXXX for years and have never used anyone else since at least 2017, prior to that I was living overseas. This is clearly a scam, I have tried to dispute this ; however, my calls are ignored.
Consumer complaint received 2018-11-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

1- SPS has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State XXXX Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, XXXX states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. XXXX held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). XXXX sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' XXXX has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, SPS continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented SPS 's actions are both fraudulent and deceptive.
Consumer complaint received 2022-04-06
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: I.C. System, Inc. (MI)

In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 




In accordance with the fair credit reporting act I C System # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-02-16
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (RI)

Experian reported account is no mine of XXXX XXXX XXXX XXXX send police report and identify thef report and dont received answer only say is verify how is verified account for them This account hurt my possible get my home and need fixed this account of my credit because is no mine and waiting 90 days for them Dont received answer only say verify
Consumer complaint received 2022-04-06
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2018-11-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

1- XXXX has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, HSBC states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. HSBC held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). HSBC sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' HSBC has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, XXXX continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented XXXX 's actions are both fraudulent and deceptive.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Complaint of Bait & Switch conducted by OneWest Bank, A Division of CIT Bank, XXXX. 

Address : XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Phone : XXXX XXXX XXXX local branch ; XXXX XXXX XXXX toll free The problem : I opened a checking account with {$10000.00} as advertised XX/XX/XXXX. The banker said I qualified for receiving {$300.00} bonus if I complete all the XXXX steps within XXXX days. I completed all the requirements and the bankers admitted that I did. I gave the bank more than the promised period to process the bonus, however, I never receive it. XXXX  months later, XX/XX/XXXX, I called my branch and the center office, to my surprise, the answer was that I would not be eligible to receive the {$300.00} bonus anymore! During the XXXX months, no one contacted me by mail or phone to inform the change. I believe that the banker checked my account history at the time of the account opening and found it ok to open a new account and the there was no disclosure on the promotional literature to describe anything particular as they changed the rule. Assume if my account were not qualified for the bonus, why did the bank opened this bonus account for me? Why did the bank not inform me all this time if they found any error or any change? Why did they let my account remain open with {$10000.00} balance required for the {$300.00} bonus? This is typical XXXX XXXX XXXX, it is unethical. XXXX XXXX is a senior community. I wonder how many seniors have been mal-treated like this, people responded to the XXXX to open an account with large balance for a bonus and just to find it unqualified when it is time to receive the bonus. I am left no choice but to make this complaint with your org. I have uploaded the evidence of the promotional Advertisement and my receipt of deposit at the time of opening my account. ( No other documents with fine prints were provided to me at the time of the account opening. ) I wish your organization help me get fair treatment, not to let the small private bank take advantage of me and other seniors customers anymore. 

Thank you for looking into this matter! I look forward to hearing the resolution soon! I can be reached at XXXX XXXX cell/ XXXX XXXX ; email XXXX XXXX ; my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please note that the bank will be bought by another financial institution in a month or XXXX.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation (CA)

multiple phone calls to my cell phone 3 calls in a row within 2 minute span - attempted on XXXX separate occasions- emailed XXXX XXXX XXXX XXXXXX/XX/22 and still communicated with me XXXX min later
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-28
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. (TX)

I am writing to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. 
XXXX XXXX Balance Owed : {$14000.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part.
Consumer complaint received 2022-02-16
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (IN)

XXXX accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX L Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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.
Consumer complaint received 2022-02-16
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: CBC Companies, Inc. (WV)

There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status. 

Letter of intent mailed XX/XX/2022 if report is not corrected complaint will be filed under section 609
Consumer complaint received 2022-02-16
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. (WV)

There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status. 

Letter of intent mailed XX/XX/2022 if report is not corrected complaint will be filed under section 609
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This credit company XXXX Capital One / Walmart Rewards ) is reporting my balances. Outside of the 31 days cycle. My cycle is from the XXXX to the XXXX of every month. Reporting my statement on the XXXX to all the bureaus across the board. This is within the 31 days cycle. But they have reported me to XXXX and other Credit bureau 's within 10 days of the 30 day cycle showing my spending at a higher percentage then it would be at the end of the 31 day cycle. This is happened more than once over the last four months. I've communicated with them on several occasions to see what the problem was. They said that they never report outside of the statements. Got in contact with my credit bureau XXXX they said they would be no reason for XXXX to update anyone 's balance unless creditors reported or requested. Capital One / Walmart Rewards Act # ... ... XXXX
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-16
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. (WA)

I reported that all of my child support has been paid in full and that debt has been satisfied. Experian XXXX and XXXX is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

I have, with no avail tried to get this off my credit report. 
this company L J Ross, is reporting that I owe. I've was notified by XXXX that i was part of a nation wide breach an my information an identity was exposed.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (WA)

I reported that all of my child support has been paid in full and that debt has been satisfied. XXXX XXXX and Equifax is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED
Consumer complaint received 2019-01-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: iMove Mortgage, LLC (PA)

Received a physical letter in the mail from iMOVE Mortgage in regards to our FHA waiting period ending. After reading and receiving the letting, I called the company this morning at the number on the letter, XXXX. 

The gentleman who answered the call was rude and was arguing over my request to simply remove my address from future mailings. I informed him as well that if I would be interested in refinancing in the future, I would initiate that with a company of my choosing. 

At this point, I do not truly know if my address will be removed from their mailing list as requested. The argumentative behavior from the gentleman was unnecessary, impolite, and bad business. This simple request should not have been treated as such.