davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
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. (NC)

My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  The following accounts need to be removed immediately. It is fraud!!! 

XXXX/XXXX  XXXX XXXX {$570.00} Opened XX/XX/2018
Consumer complaint received 2023-07-06
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. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-05
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. (AZ)

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 items XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/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 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AZ)

Today I found fraudulent collections reporting to my credit. So I reached out to the number provided on my credit report and they are claiming I owe an ER bill from XXXX. To be clear This debt is not valid and I does not belong to me. I have already disputed this with the credit bureaus. They reported the date on my credit report in XXXX and not in XXXX, Which I believe violates the FCRA and FDCPA. I had this same issue with the previous creditor and let them know it was fraudulent, disputed it and had it removed. It appears as if it was sold to this company. During my call today I advised them of the situation and let them know to remove it from my credit report. The supervisor I spoke with refused to help me with this and said she will put notes in the account. I asked to speak to someone who will help me with removing this fraudulent debt, the supervisor would not give me any information and hung up on me.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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 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 2019-04-18
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)

My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following accounts need to be removed immediately. It is fraud!!! 

XXXX XXXX XXXX {$570.00} Opened XX/XX/2018
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I recently submitted a complaint to CFPB on XX/XX/XXXX since I was given a loan modification by Ocwen Loan Servicing Company ( Complaint No. XXXX ). Therefore, since I was granted a loan modification and accepted the Streamline Trial Period Modification I was reassured once again by the Relationship Manager XXXX XXXX XXXX that the foreclosure case would not proceed. Please keep in mind that this foreclosure action was dismissed in XX/XX/XXXX and signed by the XXXX Supreme Court Judge XXXX XXXX on XX/XX/XXXX ( Index No. XXXX ). However, on XX/XX/XXXX the attorneys for XXXX XXXX XXXX and XXXX did not remove their motion to restore this foreclosure case even though a Consumer Financial Protection Bureau XXXX HOLD '' applies to this action. The attorneys for Ocwen wrote a letter to The Honorable XXXX XXXX of XXXX Supreme Court on XX/XX/2018 informing him of the CFPB " HOLD '' applies on this case, and it was XXXX -filed on XX/XX/2018. I Quote the letter by Attorney XXXX XXXX " We have been advised by Plaintiff, through its servicer, that an active Consumer Financial Protection Bureau ( hereinafter " CFPB " ) hold applies to the Action based on loss mitigation activity. The subject hold takes into consideration any appeals, as stated in 12 CFR Section 1024, which may be taken by the borrower. '' " In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time it prepares to foreclose on the subject property. See 12 CFR Section 1024. '' " Accordingly, Plaintiff respectfully requests that the pending motion practice is held in abeyance while the matter remains on a CFPB hold. We thank the Court for its time and understanding '' ( END QUOTE ).

When I spoke to Miss XXXX my relationship manager at Ocwen today XX/XX/XXXX she told me that their was a foreclose hold on this case, but when she emailed me today she stated that there was a foreclosure sale hold on my case. Please keep in mind that this action was dismissed and not restored, and there is currently a motion pending to restore this case. However, since I accepted a Streamline Trial Period Modification their motion to restore must be removed, immediately. Ocwen is violating RESPA Regulation X. Sincerely, XXXX XXXX
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

I am writing to file a complaint against TD Bank for their failure and denial to respond to my request for a correction on my credit report, regarding the way they have been reporting my business credit card information on my personal credit report. Despite repeated requests to stop this practice, I have noticed that you continue to report my business information on my personal credit report. This is causing serious damage to my personal credit rating and making it difficult for me to obtain credit or financing. Despite numerous attempts to resolve this issue with TD Bank, I have received no satisfactory response. 

XXXX XXXX XXXX  XXXX I have made multiple attempts to resolve this matter with TD, including emails, phone, and in person. However, I have received no resolution or acknowledgment of my concerns, all I have gotten is that they won't stop. 

I believe that TD Bank 's actions are in violation of several laws and regulations and are causing me significant financial harm and distress.
Consumer complaint received 2018-09-11
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: United Revenue Corporation (TX)

I filed a complaint with the CFPB -Experian has responded that United Revenue STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm United Revenue- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and handicapped this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a complaint and Per FCRA section 605b Credit Reporting Agencies are required to remove & block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 
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 . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Consumers Inc (MD)

United Consumers engages in harassing tactics to collect debt that has been paid. They have robe called my home repeatedly and when I press 2 to talk to a representative the call is dropped. XXXX I reached XXXX XXXX, who refused to contact the medical provider verify the debt, which was already paid a while ago. XXXX XXXX insisted that I had to prove to her that I paid the debt or the harassing calls would continue.
Consumer complaint received 2019-04-18
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. (WA)

I was advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans (WI)

I contacted RSVP Loans to see why they were calling me 2 to three times a day everyday I wanted them to lower the payment they refused to work with me then continued with a lecture I hung up. They continued to call me everyday so I sent them a cease and desist order which they still are violating through e mails which I am saving they are sending them every other day. I've warned them of the violation they just don't get it .Its a shame a company wont work with the consumer.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After filing complaint XXXX, i was contacted by a Capital One representative who was very polite and said " she called to help resolve my concern. '' I explained the reason for the complaint was to change the report to " closed '' and settle the debt in full. I explained my rationale for their reporting the account " closed/charged off '' monthly as punitive only to continue damaging my credit with no valid interest in recovering the money. The complaint was filed after several attempts to resolve this with Capital One unsuccessfully. It was my understanding they had agreed to this when we entered into the payment plan provided by a government sponsored consolidation company. The payments were automatically paid monthly and never late. 

I requested to pay the remaining balances in full if they were willing to change the status to " closed '' and remove the " charged off. '' The representative acknowledged this was a reasonable request and she would get back to me soon. This was two weeks ago and today, i discovered they changed the status from " closed/charged off '' to " In collections/charged off '' and now added a remark of " Charged off as bad debt Canceled by credit grantor '' in an attempt to further damage my credit. This is predatory and beyond punitive. They reported to CFPD still investigating and never contacted me again.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, Citibank responded to my complaint that I filed with CFPB under complaint # XXXX. The company responded with the following : " A letter will be sent to the customer advising that the inquiries dated XX/XX/XXXX were changed to non-display inquiries. We explained that non-display inquiries are viewable to her but not to other creditors. '' Citibank never sent me a letter and this company never changed the two inquiries from hard to soft inquiries. Creditors can still view these inquiries.
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

My venmo account was frozen and I was notified via email that I had to submit proof of identity. After sending a picture of my license ( front and back ), my account was permanently deactivated. They will not provide me with a valid reason as to why ; however, it seems suspicious that they requested a copy of my ID prior to permanently deactivating my account.
Consumer complaint received 2023-10-18
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (IL)

I was issued a pre-paid visa card by my employer. The card had expired, but had a balance of {$290.00}. There is a {$3.00} fee being charged each month. 

The website related to the card is still active, but there is no customer service live person option to report a missing or stolen card. 

According to the card agreement on the website, the card was administered by Blackhawk Networks. The process to report a stolen or missing card via email also references Blackhawk Networks.

When I called Blackhawk Networks, they acknowledged the initial purchase of the gift card. Then, they denied that the card was under their administration. They refused to issue a new card with a valid expiration date. I have no way to access the cash -- and they will draw down a {$3.00} fee for years until the balance of the card is used up.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian, is giving me such a difficult time that I want to take them to court. I want to be heard in court in front of my peers. 

XX/XX/2019 I had spoke to a very nice lady regarding Fraud, Hard Inquiries, Soft Inquires that 99 percent I never initiated. After looking at my file the nice lady says to me that the hard inquiries were being duplicated by mortgage companies and yes they and a lot more needed to be removed. At the time the nice lady could not verify who I was and asked me to use Experian Upload in which I tried very unsuccessfully. At that point I called Experian only to be met by someone in XXXX. I could not for the life of me understand what they were saying so I hung up. 

At that point I knew there was missing credit card information, my hard inquiries were work and my credit file was a mess. Because I was having so much difficulties I decided I would write the resolution department. In my mailing were 2 years of bank statements, a copy of my drivers license, a copy of my electric bill and a copy of insurance papers. I also made a copy of my social security card. I did this will all 3 agencies and only Experian is completely out of there mind. First the wrote me a letter stating the changes were being made to my file. The I got a letter telling me that they Experian needed my bank statement and everything I sent above. My attorney and I review all documents that were sent and it clearly states I'm me. Now Experian will not own up and fix my file. This is driving me mad ... HELP!!!!
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I submitted my payment to Capital One a month ago for the full balance of the bill, which was around {$2000.00} dollars. I'm accustom to paying large payment dollar amounts on my credit card bills to keep my debt ratio low as possible. I deposited my pay check into XXXX XXXX XXXX two days prier so I could pay my bills on time, XXXX XXXX XXXX, while deposited my check, coded my check incorrectly and the check didn't go into my account on time to pay my bills. n the mine time I received an email from Capital One stating that they received payment, so I started using my card again. I wasn't aware that my check was improperly deposited in the bank by the teller that waited on me that day. I only found out when Capital One placed a thirty day late payment onto my credit file. I've had this account now for about six months with no thirty day late payments on it. I pride myself on having good credit. I work very hard at it. It's not my fault XXXX XXXX XXXX screwed up my payment.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2018.