davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/24 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-29
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: Resurgent Capital Services L.P. (AZ)

I have account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck
Consumer complaint received 2019-09-29
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. (AZ)

I have account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck
Consumer complaint received 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

My original first mortgage with XXXX XXXX XXXX was sold to Nationstar without my consent or advanced notification. It took Nationstar 1 year to get loan information into their computer system. During this year, they refused to accept mortgage payments as did XXXX. Nationstar stated they had no account for me. When they finally got my info into their system, they pinged my credit reports with late payments!! This caused me no option but to stay with Nationstar. 
In XX/XX/2017 my loan came to end and I requested a new loan or refinance. They agreed but never got me the documents I requested. They refused to accept any mortgage payments and again pinged my credit report with late payments. Early this year, they refused to refi my home and now put in into Foreclosure on XX/XX/XXXX. I am in the process of refinancing with another lender, but they will not give me the extra time to close this loan. They will be selling my home and putting me on the street with no place to live. 
Also, they were supposed to notify me in writing that they were foreclosing and I never received any notification. They also said a XXXX Country Sheriff hand delivered a notice to me personally. That also never happened. What did happen was they sent a notice to a former attorney I ceased working with earlier in the year. I notified Nationstar of this on numerous occasions verbally and in writing and they neglected to change their records. When they finally got my loan info, they misclassified it as a HELOC and refused to refinance a HELOC. I tried for over a year to prove to them it was my first mortgage and after much effort on my part, they finally agreed they were at fault. 
Also, I had severe storm damage to my home on the tornado force storms on XX/XX/XXXX and XXXX of this year. My insurance company approved the repairs. Nationstar has the insurance monies and refuses to release the funds to my contractors. The roof is near collapse. I need Nationstar to give me the time to close this new loan and keep my home which I have had since XXXX and get the repairs complete. This is most urgent!!! Please expedite.
Consumer complaint received 2022-03-30
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

Last year Citibank was required to provide a refund to customers due to overcharging on credit card interest. I waited for this refund to arrive in the mail. In XXXX I was notified that an attempt had been made to mail the refund check, in the amount of {$1100.00}, to my address, without success. This notification reached me by mail, but apparently a check to the same address did not reach me. I called the number in this notification. After being transferred between a number of people, I was finally told a check would be re-issued to me, to be patient and wait 40 days. When that check did not arrive, I called again. I was transferred around between at least eight people, spending more than an hour on the phone. In that call I was told the refund check had spoiled and the money reverted from the refund company back to Citibank - in XXXX, 2019. I was told the money had then been credited to my now closed ( and inaccessible ) credit card account ( who would want an account here? ). I requested that one or the other of the companies send the money to me right away. Finally, a customer service rep guaranteed me that she would take care of sending a check to me and guaranteed it would arrive no later than XX/XX/2019. It has not. Each person I have spoken to apparently has simply lied about sending out a check, probably saying so only to get me off the phone. I believe the 'refund ' idea is a scam. If it is real, then I would like the money owed me, plus interest sent immediately ( since it is more than a year overdue ). I have attached the Notice from Citibank which includes my phone call notes. Can you please help me to resolve this matter? Thank you.
Consumer complaint received 2023-01-03
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-20
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: AMERICAN EXPRESS COMPANY (AL)

XXXX  is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but Transunion has done nothing still. 

The inquires are XXXX Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 American Exp Inquiry from XX/XX/2019
Consumer complaint received 2019-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

I have disputed this collection account before, and I asked Peter Roberts and  associates, inc. to provide me the original contract bearing my signature in order to validate this debt, all they have done is send me a letter by USPS telling me that the debt was verified with the original creditor. I think they shouldnt have a problem providing me the original contract that they claim I signed, they also included copies of what they used to validate this debt and according with the federal law and the FCRA, that is not enough to validate this debt. I want this debt validated the correct way, meaning that a contract was signed by me with either the service provider or with peter Roberts and associates, inc. obligating me to pay a debt that hasnt been validated. Delete and expunge all of the accounts that you have in your files and also remove them from the credit bureaus. As a consumer I have every right to ask for the original contract bearing my signature. Also the hospital where it says that this was done has shared health information with peter Roberts and associates, inc. and that is breaking the hipaa law.
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

Got a thing in the Mail by XXXX sent their office by Cach LLC for a Debt that's no longer owed the Original Creditor XXXX XXXX XXXX written it off years ago the Statute Of Limitations for Consumer Debt in Tennessee is 6 years Cach LL C is a bottom feeding Junk Debt Buyer of Old Debt they bought this from XXXX XXXX XXXX for Pennies to the Dollar these bottom feeders will never learn so whenever I get one of these things from these liars posing as fake debt collectors gon na file complaint then gon na report them all the bottom feeders to the FTC for harrasment they didn't use abusive language or anything but still trying to collect on a debt that's no longer owed is XXXX and somebody has to stand up to these people like I said they count on the ignorance of consumers not knowing their rights of the consumer debt laws and they're always breaking the Fair Debt Collection Practices Act Laws I want the true copy verifying that this Debt from XXXX XXXX XXXX is indeed past the Statute of limitations and was written off by them and also show the true copy where Cach LLC and all of their affiliates bought this debt for Pennies to the Dollar and for them to quit scamming consumers out of their money and not applying the money toward the debt itself and instead putting the money into their own pockets and yes I know I'll get a response back from Cach LLC and XXXX   saying the Statute Of Limitations saying it limits them from suing but not their ability to collect on the debt but to begin with they ain't nothing but bottom feeders and they're fakers and they all have shady business practices that's wrong to begin with and they know their lying when they do that stuff and lying is wrong and having shady business practices is wrong but the Good Lord above is taking notes
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NJ)

I wrote a check out to myself for {$8600.00} from my citibank account and after the funds were removed from my account. However on XX/XX/XXXX, I was made aware that the check had been returned for insufficient funds despite the funds being withdrawn from my account already, but the funds were never deposited back into my account once it was returned. Since then I have been calling the bank hoping for them to resolve the issue. On XX/XX/XXXX, a representative told me that the process would take 5-7 Business days. Despite my calling every day to check up on my request and being assured that it was being handled and would take 5-7 days as had been told to me previously, when the day arrived that the 7 days were up, I was told that the request had never actually been submitted so there was no pending request from my account and that they had proceeded to place the request on that day so now it would take 5-7 business days to process my request. Today XXXX XX/XX/20 XXXX is the 6th business day of that period and still I have not received the check back and after speaking to an in-branch representative, I was told that there was nothing that could be done to help me. Can anyone help me please?
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (WI)

I have documentation to back up my complaints as outlined below : My auto insurance rate increased and was based on a credit score from Lexis Nexis. The insurance policy provided a website of XXXX to obtain the LexisNexis credit report per my legal rights. I went to the website on XX/XX/XXXX and requested the report using their online form. ( I have a time stamped screenshot showing that my request was received ) I received a letter in the mail from LexisNexis on XX/XX/XXXX. The letter was dated XX/XX/XXXX, but not postmarked until XX/XX/XXXX. The letter stated that they could not verify my identity based on the online form, and in addition to the letter, there was a form to complete with the additional information they required to obtain the report. The form was to be accompanied with a picture of my id which could serve as both proof of id and proof of address, and the letter stated that this form could be emailed to XXXX or mailed to the address provided, but it came with no postage paid envelope. 

I opted to email the information to the email address on the form, so I completed the form and scanned it to the email address listed above along with a copy of my id on XX/XX/XXXX. Response from LexisNexis on XX/XX/XXXX was to provide my mailing address despite this appearing on my id and on the form I emailed on the 15th. I responded on XX/XX/XXXX with my address. They responded on XX/XX/XXXX by requesting my id. On XX/XX/XXXX I responded that I had already sent them my ID on the 15th and they replied that I should send it again to the email address of XXXX with the subject heading of my consumer ID ( which they provided ). 

I sent a copy of my id to that email address on XX/XX/XXXX, and got an automated reply that my email was received. On XX/XX/XXXX I emailed again requesting information and told them I would be filing a complaint. There was no response from them on this. I replied today, XX/XX/XXXX by again sending the request form, my id and a property tax bill since they indicated that an ID was not enough to prove mailing address despite an alternate message in the original letter they mailed to me, and I have not received a response yet. It is now 14 days since my initial request for my personal information. The last four of my social are XXXX
Consumer complaint received 2019-09-20
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. (AL)

Transunion is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but Transunion has done nothing still. 

The inquires are XXXX/XXXX  Inquiry from XX/XX/2019 XXXX/XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019
Consumer complaint received 2019-09-20
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: AMERICAN EXPRESS COMPANY (AL)

I have several hard inquiries on my credit report that I DID NOT make and XXXX  is refusing to delete them. I have spoken to the inquirers themselves and they have all stated that they would send a request to XXXX to delete the inquiries but they still have done nothing and state they never received any word of this. After this long, that can not be true. 

The inquiries are AMEX : XX/XX/2019 XXXX/XXXX : XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX : XX/XX/2019 XX/XX/2019
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to address a formal grievance and urgently request swift action on your part regarding improper reporting to the major credit bureaus, which has resulted in significant damage to my credit profile. Your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), and the consequences of this non-compliance may include fines and damages.
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Ocwen has referred me to a company for foreclosure. That company is XXXX XXXX , XXXX of Atlanta, Georgia. I use the auto pay system that my bank provides. I have been making my payments to Ocwen however they have been sending them back. In XXXX my checking account was hacked and the mortgage payment did not go out as scheduled. However, I sent it out immediately after the Credit union issued a new checking account. I keep sending in payments and Ocwen keep returning them. Now they said they are going to foreclose. 

Also they failed to maintain my escrow account properly and did not pay the Insurance company the correct insurance. I had a house fire and found out that Ocwen failed to pay coverage to rebuild the house. They lowered my policy over {$10000.00} and my mortgage was more than the coverage and I was left without enough coverage.
Consumer complaint received 2019-09-20
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: ENCORE CAPITAL GROUP INC. (GA)

I contacted Midland Funding today regarding the information they are reporting to my credit file. The representative stated that if it didn't belong to me over the phone that I could send them a dispute letter. I explained to him that I have disputed with the credit bureau before and all they have done is update with the bureaus that the debt was accurate. I requested they provide me with information regarding the account from the original creditor and he gave me a website to check which only details what they are suggesting I owe. I would like for this to be removed from my credit file as I have no knowledge of this account.
Consumer complaint received 2022-10-06
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name-XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX Account- XXXX Account name- XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXXXXXX 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-30
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. (IL)

This is my other 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 accounts 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 Original Creditor : XXXX XXXX ) XXXX Balance : {$8700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

How is it possible that the DATE OF LAST ACTIVITY on XXXX reports XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX   XX/XX/XXXX. That's months, and year apart!!! There is no way that the same company/bank would send totally different data to the credit reporting agencies.