davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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. (NY)

Since XX/XX/XXXX Transunion, XXXX and XXXX have been reporting multiple entries on my credit report incorrectly. XXXX continues to report on accounts that have been closed for 6 years with current activity there are 3 in particular that enrage me. they are XXXX XXXX accounts and a XXXX  account, and they refuse to correct or update or delete my accounts. They just send a fake letter saying they have investigated the items when they haven't. The other bureaus just continue to report incorrect dates of last activity or just don't investigate at all. I have sent my investigations to the bureaus for the last 8 months and they refuse to correct my credit report. I sent another round of investigations today XX/XX/XXXX
Consumer complaint received 2022-03-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter to transunion about items furnished on my credit report w/o my consent. These items are damaging me as a consumer! I can not succeed in the things as a consumer that I wish such as purchasing a home because of these damaging items on my report. It has been over 30 days and I have yet to receive a response.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DC)

I am a XXXX  resident, jointly owning a condo ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with my wife. I was a Mr. Cooper ( Formerly known as Nationstar mortgage ) customer from XX/XX/XXXX until XX/XX/XXXX. They were my mortgage servicer. During my refinance in XX/XX/XXXX, XXXX XXXX ( new servicer ) informed me that no property taxes were paid on my behalf in XXXX by Mr.Cooper. This confused me as Mr.Cooper said, in writing, that they paid my XXXX and XX/XX/XXXX property tax payments ( {$2200.00} and {$110.00} respectively ), which were taken out of my escrow account ( i have a paper trail! ). These payments were NEVER applied to my property tax bill. This is because Mr.Cooper incorrectly paid my neighbors property taxes ( SSL XXXX XXXX ) from my escrow account, which I confirmed on a call with a Mr. Cooper representative. As such, my XXXX property taxes ( Property XXXX XXXX XXXX ) were not current and I've incurred {$220.00} of penalties and {$330.00} of interest ( see tax bill attached ). I have called Mr.Cooper over ten times to rectify the issue and nothing has been resolved. I have submitted a XXXX XXXX  XXXX  complaint, a XXXX  complaint and now this complaint. Additionally, I will continue to pursue greater legal action if this is not resolved, as I have already spent over 50 hours of my time on this matter.
Consumer complaint received 2022-07-25
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any inaccurate information and account in my credit record that came about due to an alleged fraud or extortion. The items are listed below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP (TX)

On Wednesday XX/XX/XXXX ; Rausch, Sturm, Israel, Enerson and Hornik filed a debt claim lawsuit on me in XXXX County, Tx ( Case XXXX ). The claim stated that it was made on behalf of XXXX XXXX  and XXXX on a credit card that I previously owned. It wasn't until I began to receive solicitations via United States Postal Service offering their services to represent me did I find out about the lawsuit. 

On Wednesday XX/XX/XXXX at XXXX CST, I contacted XXXX XXXX XXXX at XXXX. During this phone conversation, I was advised that XXXX  was no longer in control of the debt and that it had been turned over to debt collection offices of Rausch, Sturm, Israel, Enerson and Hornik.

Rausch, Sturm, Israel, Enerson and Hornik has never advised me that they were assigned, purchased, or otherwise took over this debt. At no time did Rausch, Sturm, Israel, Enerson and Hornik provide me with : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement that, unless I dispute the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector. 

A statement that, if I notify the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.

A statement that, upon my written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

It is my belief that Rausch, Sturm, Israel, Enerson and Hornik violated section 809 of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-25
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. (PA)

I AM WRITING DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM VICTIM OF IDENTITY THEFT, I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT.
Consumer complaint received 2018-12-18
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. (FL)

I have been fighting TransUnion & XXXX  about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I was charged a late fee of {$25.00} in error plus interest charges of {$1.00} by Citi in connection with my XXXX XXXX credit card. When I called to complain about the charges, the representative told me these charges were made in error. Not everybody checks their monthly statements. I want to make sure nobody else was charged fees in error.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Bureaus, Inc. (PA)

THE BUREAUS INC Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called THE BUREAUS to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Garcadia Financial LLC (CO)

This car loan was taken out without my permission. I have not idea who took out the loan. Where the car is > found out that this car loan was showing up on my credit. I took out a police report, sent a letter and a copy of the police report to the company. This is not my loan. I have also retained legal counsel to assist me this problem. This company needs to take this loan off my credit reports.
Consumer complaint received 2018-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

Repeated robo/computer-animated voice calls from XXXX  (? ) for XXXX XXXX (? ), which we have never heard of, used, or owed money to. There is no " XXXX '' hospital (? ) where we live. We have excellent credit and have never had overdue bills anywhere. We have received but have not answered telephone calls ( and a number of voice mails ) from ( XXXX ) XXXX on the following XXXX dates/times as documented on our Caller ID : XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. It's time for this scam/harassment to stop.
Consumer complaint received 2023-01-27
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. (PA)

XXXX is the card company XXXX uses to offer financing for their services. XXXX is out of compliance with their card postings. As you can see, my payment was made on XXXX XXXX at XXXX, but the submission to the credit bureau was made on XX/XX/XXXX. According to the CARD Act of XXXX, which is a federal regulation/law, card payments made by XXXX must be posted on the same day. XXXX is breaking a federal law with how their payments are being posted to accounts. 

I am submitting XXXX documentation of my payment history, along with my time stamped payment, which should have been applied on XX/XX/XXXX.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (TX)

XXXX  & Experian, you issued my credit report in XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX ) refuses to talk with me and refuses to send me a copy of the credit report used. The date of the report will reflect XXXX did not have permissible purpose to access my credit. I am requesting XXXX and Experian to have XXXX send proof of the permissible purpose used to access my credit report for loan # XXXX. XXXX needs to send dated copy of credit report and fully completed and dated copies of anything else XXXX  submits. I request XXXX  and Experian to review and then remove immediately the negative listings on my credit report. Please do not request XXXX  to investigate and then simply state XXXX is reporting correctly. I request XXXX  and Experian to validate this since XXXX  refuses to.
Consumer complaint received 2023-01-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (TX)

On XXXX XXXX I mailed a letter to Williams & Fudge informing them of the charge off they listed through XXXX. Williams & Fudge provided a deceptive document to verify the alleged debt which is violating me as a consumer.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX  Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : Creditor Name, Account Number, Month/Year of Late Payment XXXX  XXXX ; ACCOUNT NUMBER XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER:XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A few months ago, my credit score was above 700. Today, after paying all my bills on time, my credit score is XXXX. The reason is because Capital One continues to negligently accept fraudulent charges related to identity theft on my ( now closed ) accounts without notifying me. I recently filed a complaint about this exact same issue, and while awaiting a response, I discovered by looking at my credit report that Capital One struck again, and negligently accepted another fraudulent charge on my former credit card without notifying me. Capital One then once again reported additional false derogatory information about me to the credit bureaus. In other words, Capital One is a serial abuser of their customer 's credit ratings, they apparently have no decent security apparatus, and there appears to be no end in sight to their shenanigans. Capital One knows or should know by now that the derogatory information they continue to disseminate against me is false. 
Capital One, just like any other company, is required to report only correct and accurate information to the credit bureaus, yet Capital One continues to brazenly flout the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
Capital One regularly advertises zero fraud liability. How much longer do you think that I should be liable for Capital One 's facilitation and embrace of identity theft? 
The next correspondence you receive from me will not be nearly as friendly as this one, Capital One. I'm looking at legal options. You need to stop lying to the credit bureaus about me, today. 

P.S. How would you feel if your credit score went down 100 points just because somebody you have no business with and haven't had any business with for several years would not stop disseminating derogatory information about you which they know to be false? What would you do? Would you sue them?
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Late payments are being reported on my consumer reports, although I was never late. According to the XXXX XXXX effective XXXX preventative measures were supposed to be taken to keep my credit scores from being ruined by preventing adverse information from being added to my consumer reports, and preventing credit score furnishers from creating and/or implementing new credit scoring models that would lower my existing consumer credit scores during the XXXX pandemic. This information has defamed my character, because it is derogatory and causing me XXXX XXXX XXXX XXXX XXXXnd preventing me from obtaining credit. 

please see attachments
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX BANK XXXX XXXX BANK XXXX
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX UNIVERSITY XXXX  ) XXXX XXXX BANK XXXX XXXX BANK XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!