davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (CA)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX A XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX  XXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/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 2022-10-06
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

My credit report has an error. Midland Funding reports that my account with Nordstroms was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

I received a letter stating that my payment to XXXX XXXX XXXX XXXX account in the amount of {$560.00} was returned to my bank on XX/XX/18. I never forward a payment Because I never was aware of this account.
Consumer complaint received 2022-10-06
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. (TX)

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 - 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 as soon as possible!

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 as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This complaint is against Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I have attempted twice sending out dispute letters via certified mail to Portfolio Recovery Associates LLC. on XX/XX/2018 andXX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$800.00} account # XXXX. At this time Portfolio Recovery Assoc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX. I have not gotten a response from them with proper verification.
Consumer complaint received 2021-07-23
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: GLA Collection Company, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-04-14
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. (NY)

I am a victim of the Equifax data breach and my social security number has been compromised. As a result of this. I am a victim of Identity theft and there are fraudulent accounts on my credit report. I filed an Federal Trade Commission Report. I have my Identification attached as proof of my name and address. This information is not information relating to any transaction by me. I also notarized my dispute letter to prove that it is me that sent the dispute.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

A mortgage counselor submitted a financial package on my behalf due to reduction of income. I was laid off from my employer due to downsizing and requested a modification. I was later told by HBSC that i did not qualify and gave me very little explanation. I feel that I was not reviewed properly because they requested an appraisal for a short sale before they even told me that i was denied. HBSC also sent a breach letter via certified mail that was dated XXXX days prior to being mailed. I feel I was not treated fairly.
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: iQuantified Management Services, LLC (TX)

XX/XX/2019 - XXXX XXXX  performed by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. 
XX/XX/2019 - Received the FIRST and ONLY bill from XXXX XXXX XXXX XXXX for {$230.00} XX/XX/2019 - Paid bill online with Visa Credit Card XX/XX/2019 - Received Voice Mail from Quantified Management Services about collecting an unpaid debt. 
XX/XX/2019 - Received second Voice Mail from Quantified Management Services about collecting an unpaid debt. 

XX/XX/2019 - Returned call to Quantified Management Services and inquired about the debt they are trying to collect on, and who the company was that I owed the debt to. 
They informed me it was for XXXX XXXX XXXX XXXX. I attempted to inform them I had no outstanding debts with XXXX XXXX XXXX XXXX but the individual on the other end would hear none of it and disconnected the call. 

XX/XX/2019 - Called the Billing Dept at XXXX XXXX XXXX XXXX. Spoke with  XXXX. She informed me that the bill showed " paid '' as of XX/XX/XXXX. I informed her that I paid online with a credit card on XX/XX/2019, and also that I checked my Visa Credit Card Statement and it shows a posted date of XX/XX/2019. She informed me that the bill was 90-days over due and that was why it was sent to the Collection Service agency hired by XXXX XXXX XXXX XXXX. I informed her that I received the bill on " XX/XX/2019 '' and that the statement date shown on the bill is " XX/XX/2019. '' Therefore, how could this bill be 90-days overdue, especially when I paid it within 10 days of receiving it? She surmised it was because their billing dept was waiting for my insurance to pay their share of the bill and it went past the 90-days and thus triggered the collection agency into collecting a debt past 90 days. So why am I being penalized for their shortcomings in their billing dept.? XXXX XXXX XXXX XXXX obviously has internal problems with the procedures they follow for their billing protocols. XXXX said she would notify Quantified Mgmt Services that the bill was paid and I should not be getting any more calls from their collection dept. 

XX/XX/2019 - Received yet another follow up correspondence via usps from Quantified Mgmt Services dated XX/XX/2019 attempting to collect on this same debt of {$230.00}. 

XX/XX/2019 - Wrote a complaint letter to XXXX XXXX, the Administrator for XXXX XXXX XXXX detailing the harassment I have been receiving from Quantified Mgmt Services.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Keeping payments on this account consistently prompt has been my practice, avoiding any instances of overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be enacted.
Consumer complaint received 2019-07-23
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. (NC)

I filed a dispute with TranUnion for a few accounts which were XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX that were reporting on my credit report incorrectly. TransUnion sent back the results of the first investigation which did not correct the inaccuracy. So, I took time to write a very detailed letter and provide a full credit report highlighting all the inaccuracies. I received notice that the investigation was completed and so i checked my TransUnion report online and nothing has changed nor has TransUnion has not answered any of the questions asked in the second letter or explained or corrected the blatant inaccuracies. As a result I was delayed on closing for a house. TransUnion has failed to met their obligations under the Fair Credit Reporting Act therefore I am filing a complaint to force them to delete this blatantly inaccurate information.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/19 I purchased a XXXX XXXX Money Order from XXXX for {$260.00} to make a payment on My Car Loan with XXXX XXXX XXXX XXXX. The payment never was Credited to my Loan Account. I went to XXXX XXXX and they performed a Search for the payment in their system and could not find it. They told me to contact XXXX XXXX and find out who XXXX XXXX   paid for the Money Order and XXXX XXXX said it was Regions Bank. I went to Regions Bank and they told me they can't search their records for it due to the Privacy Act. I asked XXXX XXXX to contact Regions, one financial institution to another to help me get the money back. XXXX XXXX said Regions would not help them. I filed complaints with FL Atty General against XXXX XXXX and Regions Bank. They sent it to the FL Office of Financial Regulation. The OFR said they could not help me on the Complaint against XXXX XXXX. I asked about the Complaint Against Regions Bank and the referred me to you. Please see all my attached correspondence and the actual Money Order in question for {$260.00}.
Consumer complaint received 2016-01-29
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: BlueChip Financial (NJ)

Upon change from one job to another, I promptly informed the lender that my pay cycle has changed and I would require a change of my billing dates to XXXX that. I was told no problem and representative took note of future pay dates and loan payment cycle. However vendor continued to bill on regular cycle causing overdrafts and fees.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (CA)

This was originally disputed when they contacted me last year. I was under eviction proceedings from XXXX. I had no idea, so as soon as I found out about it I hired an attorney and took care of it. The judgement was vacated prior to me moving out of the apartment. With the judgement being vacated, our lease was terminated and all obligations were therefore met. I had my attorney speak with Hunter Warfield after they refused sending me debt validation. He spoke with them in XX/XX/XXXX & XX/XX/2017  multiple times. They stated they were removing the account and it wouldn't be reported onto my credit report. I got a notification recently that as of XX/XX/2017 it is being reported to all XXXX bureaus in the amount of {$2300.00}. I have called repeatedly and they won't acknowledge anything unless they speak to my attorney. I have sent them multiple letters ( certified ) and emails with the order of the judgement being vacated. They are in violation of the FDCPA and not following the law. Please have them remove this from my reports as they have been in violation for almost a year. The next step is filing suit against them for violation and damages.
Consumer complaint received 2019-07-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

On XX/XX/XXXX I received a letter from LOANCARE , LLC regarding loan number # XXXX, that my hazard insurance is not renewed for the year XXXX. My insurance renewal date is mid XXXX. I immediately contacted my insurance and reactivated my hazard insurance, and they inform me that the reason for cancellation was lack of payment by the mortgage company after repeated attempts.Subsequently I was informed by LOANCARE that I have to pay {$2300.00} for some hazard insurance that they paid for in XXXX. I send them a dispute letter on XX/XX/XXXX, basically complaining that they misled me in having hazard insurance, exposed me to one year of potemtial loss of property risk. I also requested the followings : 1. Please provide me with copy of insurance you purchased and a copy of any attempt that you tried to notify me of the situation from XX/XX/XXXX through XX/XX/XXXX. 
2. Please explain why my tax breakdown of XXXX received in XXXX of XXXX still shows that my original insurance was paid via my escrow account. 
3. Please provide the reason why my original insurance was not paid as being claimed by XXXX XXXX insurance. 
4. I further requested that why I am being charged with PMI although I have paid more than 20 % of my original house value. 

I just received a letter from them ( yesterday XX/XX/XXXX ), totally ignoring my request, and demanding the full payment. To me this is totally unacceptable and violating my rights as a citizen. They are not accountable for what they have done with my money ; such as what happened to the payment in my escrow account, money paid for PMI payment, and why I was not provided with any timely notification. 

I have the copy of my dispute letter and a copy of registered mail which was received by ithem ( see a copy of the letter in the attached file ). There is also a general confusion of whom I am dealing with ; XXXX XXXX XXXXs, loancare services, or insurance center, etc. This is like a maze and there is no single point of contact with physical address ( they all have PO Boxes ).
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority (NH)

On XX/XX/2018, I paid off one of my student loans ( loan 3, group C ) with OSLA. A few days later, I checked back to make on my account via the online interface to make sure that everything had gone through, and it had. I continued to make payments. On XX/XX/XXXX, OSLA sent me my quarterly account summary confirming that I only had one loan outstanding ( loan 1,  group A ). 

On XX/XX/2018, I logged back into my account and noticed that while the total amount of the loan was similar, it had retroactively been divided between Loan 1 ( a 5.3 % interest rate ) and Loan 3 ( a 6 % interest rate ), despite OSLA sending me documentation ( the quarterly account summary mentioned above ) stating that only Loan 1 was outstanding. 

On XX/XX/2018, I contacted OSLA 's customer service. The first person I talked to failed to acknowledge any problem and seemed to not understand what the problem even was ( she said, " well, the total amount is the same, '' seemingly not understanding that the interest rates between the two loans would have an effect. ) She passed me off to her boss who took a similar stance. They only agreed that there was a problem after I sent them quarterly account summary and screenshots of the payments that I made. 

I had checked my account a number of times between making the payment and XX/XX/2018 and all was fine. It seems that OSLA retroactively managed my account to disperse the funds in a manner that would benefit them ( specifically partitioning the money between the two loans ( 1 and 3 ). Their actions seem to define predatory lending.
Consumer complaint received 2019-07-23
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. (NC)

I filed a dispute with Equifax for my XXXX XXXX XXXX account that was reporting on my credit report incorrectly. Equifax sent back the results of the first investigation which did not correct the inaccuracy. So, I took time to write a very detailed letter and provide a full credit report highlighting all the inaccuracies. I received the results of the 2nd investigation back and Equifax has not answered any of the questions asked in the second letter or explained or corrected the blatant inaccuracies. As a result I was delayed on closing for a house. Equifax has failed to met their obligations under the Fair Credit Reporting Act therefore I am filing a complaint to force them to delete this blatantly inaccurate information.
Consumer complaint received 2015-11-16
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NV)

American Express Serve card refuses to release funds on hold from a vendors error and even after vendor tried to contact them to release the funds, would not supply the vendor with the information needed to cancel the overcharge of {$83.00} from XXXX/XXXX/2015. Insisting that I wait 7 days for the change to just " Fall off ''. I understand that they have whatever policy in place for security, but after being presented with the necessary information from the vendor still refusing to relinquish funds, causing me to not to be able to buy food for my family.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (GA)

Freedom Mortgage is refusing to update my information with the all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). I have reached out to Freedom Mortgage in multiple occasions and requested that they resend the accurate status of my paid off mortgage account # XXXX and they are refusing to do so. 

I opened a dispute on XX/XX/2019 with XXXX whom requested an update from Freedom Mortgage but Freedom replied back with the balance of my mortgage going from {$230000.00} to {$230000.00} which is incorrect. This account has been paid off and the house has been sold on XX/XX/2019. 

I have opened another dispute with XXXX on XX/XX/2019.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I contacted the credit breau XXXX  and advise them my file was mix up with someone elses credit file and I disputed 2 accounts multiple times I even call the creditor and the confirm that the accounts did not belong to me but when I disputed it with XXXX  it never got taken off my credit report so I file a FTC report