davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail XXXX. 

While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXX, XXXX. 

All rights Reserved Without Prejudice
Consumer complaint received 2022-05-04
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. (TN)

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXXXXXX XXXX  XXXX XXXX, never at any other address on my credit report. I have attached a copy of my DL, Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Consumer complaint received 2022-05-04
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: Global Lending Services LLC (TX)

I called the company & they could not give me any information. 
XXXX XXXX Global Lend XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
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. (TN)

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, never at any other address on my credit report. I have attached a copy of my XXXX, XXXX for proof once again. I dont know why the credit bureau XXXX so consistent with causing harm to my person and financial obligations by reporting information and accounts that is in correct and do not belong to me even after there were sent the Federal Police Report of proof of my identity theft. They even have duplicate accounts on my credit report, why is this.
Consumer complaint received 2022-05-04
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: ALLY FINANCIAL INC. (TX)

I called the company & they could not give me any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

My issue is with comenity banks XXXX XXXX card. I have called and asked to pay the balance 4 times and they say I'm good and then they add a late fee on there to keep my account open, or they leave like XXXX dollars on there in hopes people will think they are good and then they hit you with late fees. I am sick to death of this and I want the problem gone. This is absurd at this point and I just want them to stop without hiring a lawyer. I've asked to speak to a manager or supervisor and they will not do it, they say they are having issues.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We have given Bank of America everything they have ask for and everyday a different person call and say the same pages are missing I keep faxing the same pages over and over and I keep getting the run around after these pages were fax to the numbers they have given me. This is not my fault because back in XX/XX/2019 I reach out to Bank of America representative and my Balloon loan expire in XXXX he sat on my application and waited until the Balloon loan expire when I called him he said he never submitted my application leave me in a bad situation which now I can loose my house please help me right now I am planning my mother funeral and this is too much stress for me and my family PLEASE!!!!!!
Consumer complaint received 2022-08-15
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. (MO)

I was a victim of Identity Theft and I am a victim of Identity theft and I have been requesting that the items I am disputinbe deleted from my Credt report in accordance with the FCRA section 605b. It has been a battle going through this and I am submitting this complaint to request for the removal of the Fraudulent items completely from my Credit Report. I have read that the Credit Reporting Agencies are required to remove any account and information that the consumer identifies as an item resulting due to identity theft. I hav ebeen sending dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items but desppite all my eforts, the Credit Bureaus are yet to comply with the Federal Law. I am submitting this complaint through the CFPB to inform the Credit Bureaus that they only have much time to remove the disputed fraudulent information before I take legal action against them. under the FCRA section 605b, I am requesting that the disputed items removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, 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
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (ID)

XX/XX/2018 I own two homes. We reside in one and rent the other home.. Our Mortgage company was XXXX XXXX at XXXX XXXX XXXX XXXX XXXX VA XXXX phone # XXXX, service transferred to Freedom Mortgage in XX/XX/2018. Money Orders were sent to XXXX XXXX on XX/XX/2018. One in the amount of {$1000.00}. the other for XXXX. This amount was for XXXX 's house payment. XXXX XXXX acknowledged they received them and said they overnight-ed them in their bulk mail without being cashed on XX/XX/XXXX. The money orders were made out to XXXX. Freedom Mortgage can not find them. We found out they were cashed on XX/XX/2018. In order to find out exactly who cashed them we will need to pay {$30.00}. and send the information on the back of the stubs to the dept. that handles that. Freedom Mortgage contact info. is XXXX XXXX XXXX XXXX TX XXXXphone # XXXX. Copies of both money orders receipts were sent to Freedom and XXXX for their records. Please help us to figure out what is the next action as neither Mortgage companies want to take responsibility for this. I have spent hours on the phone with many people from both companies. Freedom keeps sending threatening letters of collections. We have never been late on any payment and have excellent credit. This is insulting and frustrating. Here a a list of people I have talked to from Freedom : XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX { a three way call was done to XXXX   where we talked to XXXX. XXXX was to send Freedom info. as to bulk amount sent to Freedom and he said it could take up to eight days for Freedom to recieve it. He was to send it to Freedom Mortgage at XXXX XXXX  promised she would call me back asap but she never did and is no longer with the company. } XX/XX/18 XXXX ID # XXXX   XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX { three way with XXXX from XXXX. XX/XX/18 XXXX ID # XXXX. XXXX wants us to send proof of purchase of money orders from our bank. They already have copies of the money orders receipts and proof they overnighted them on the XX/XX/XXXX. We are not comfortable giving our personal bank info. to anyone. Clearly something illegal happened here. Every payment has been made on time. Why am I suppose to investigate this myself. I am being put through the wringer and I need help. If I pay this again just to keep out of collections, it would be admitting guilt to something we did not do and we would never see our payment that was sent found by Freedom. Payment was sent on the XX/XX/XXXX to XXXX. We did not have a payment book or new loan number yet from Freedom. XXXX overnight-ed to Freedom both money orders on the XX/XX/XXXX. They were cashed by someone on the XX/XX/XXXX, even tho they were made out to XXXX. Something is seriously wrong, please help. Any assistance would be greatly appreciated.

Thank You,
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

Account Numbers 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 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A Capitol one credit card was opened in my name by identity thieves in XX/XX/XXXX. At the same time several other fraudulent cards were opened in my name at XXXX XXXX and XXXX XXXX. This occurred because my personal info including social security number was leaked as part of a data breach. 

I became aware of the fraudulent cards in XX/XX/XXXX and reported them to all three banks, as well as opening a report on identitytheft.gov, filing a police report, and freezing my account with the credit agencies. 

To this day one year later Capitol One has failed to adequately investigate and resolve my dispute. Their security practices are dangerously inadequate and pose a serious risk to all consumers. They allowed a credit card to be opened on the basis of an incorrect phone number which has now been removed from all of my credit reports and a pre-approved credit card offer they sent me that someone had dug out of the trash. 

Despite the phone number being removed from all three credit reports, they refuse to remove the account. 

I have initiated 2 investigations with Capitol One, and in both cases they have failed to come to the correct conclusion that other banks were able to reach within days. I have spent dozens of hours of my time trying to get them to resolve this card, which is ruining my credit score and preventing me from buying a home.
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX XXXX XXXX XXXX XXXX Please help
Consumer complaint received 2022-06-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was denied credit after applying for an extension of credit from Capital One on XX/XX/2022, twice on XX/XX/2022 and XX/XX/2022, which are violations of 15 USC 1611 and 15 USC 1691.
Consumer complaint received 2022-02-02
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)

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and lexis XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

After carefully reviewing credit report Ive noticed that Experian have not removed the collection item listed on my consumer report XXXX XXXX XXXX {$3800.00} XXXX settled the case. They have agreed I don't owe them anything, they will dismiss the case against me and request any negative credit reporting be removed. Attached is the settlement agreement with both parties signature from XX/XX/2021 XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the fair credit reporting act XXXX Accounts # XXXX and # XXXX. have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on an account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-04
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. (NC)

The consumer reporting agencies XXXX, Transunion, and XXXX or The CRAs is willfully noncompliant in blocking false misleading reporting at my request. I sent The CRASs a notarized litigation hold notice on XXXX ( see attached file ) and it was received and signed by an agent. The CRAs failed to send me the demands I demanded inside the notice ( see attached file ). Without this information being sent to me, the accounts in question are indeed unvalidated, being fictitiously reported, and should be blocked immediately until The CRAs can validate the information they voluntarily furnished. Along with my hold notice, I informed The CRAs that I dont consent to generic responses, notice to one is notice to all, and they had 4 days upon receipt to block the false misleading reporting ( see attached file ). Now, The CRAs are in violation of 15 USC 1681c-2. Experian also sent me a generic response that displays their noncompliance toward this ongoing issue ( see attached file ). This is a block request, not a 30 day dispute. The CRAs are failing their grave responsibilities by reporting with partiality. I demand these unvalidated accounts be blocked until the proof of my obligation is validated. I will now state that along with my hold notice, I included my proof of identity, a clear representation of the fraudulent accounts, a Identity theft report from the FTC, and a clear & conspicuous section stating my demands ( See attached file ). If the CRAs comply with my demands, they will prove that the false reporting is unlawful and being willfully reported.
Consumer complaint received 2019-08-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (NY)

On XXXX of XXXX, I closed on my home. During the closing the figures were not correct according to the closing attorney. She advised me to continue with the closing, pay the monthly amount plus additional to complete the total amount that the mortgage was supposed to be. In doing so for several months, and also contacting Plaza Home Mortgage on several occasions. I was informed by a few representatives to cease sending in additional payments as my monthly obligation was enough and correct. Fast forward a year a some months later I received a letter stating that my monthly mortgage would be increasing to XXXX monthly. I was not in a financial position to pay this huge increase, so i was advised to apply for a loan modification. After applying for a second time ( since the first time I was denied because the mortgage company said I had to be behind in order to get approved ), I was approved and was given a 90 day trial to pay The amount required. After the 90 days I received a final mortgage approval packet to have signed/dated/notarized after reading. I took care of getting that done and was required to send it back certified mail. After sending back the signed documents I eventually received the packet back. No where in this packet or in HUDs packet was this undisclosed amount. I hired an attorney in which it took the attorney two years exactly to find this undisclosed lien/second loan. Also in finding this amount with a third party of HUD were my supposed signatures on a promissory note that I have never seen until Friday XX/XX/XXXX. I spoke with a second attorney whom had thoroughly explained where this undisclosed amount have possibly come from, but the attorneys also agreed that something was missing from my documents ( The disclosures of what I was supposed to be financially responsible for due to the loan modification ). I was unable to refinance in XXXX, which is when I found out about this undisclosed amount of money that was being held against my property. The mortgage company and or third party XXXX XXXX XXXX failed to include in my documents the promissory note and the second packet of which this undisclosed lien Ian being held.
Consumer complaint received 2024-02-06
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

Vanderbilt stated there was nothing they could do my income was too low, also I did not qualify for their programs being offered I could receive {$500.00} and surrender home. thats not an option for me.