davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
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. (FL)

I have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (NY)

ASSOC CREDIT SERVICES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSOC CREDIT SERVICES XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX  XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/2000 CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2020-07-26
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)

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$0.00}
Consumer complaint received 2020-07-26
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. (IL)

I have contacted TransUnion many times and explained that the accounts that they are reporting under my name a fraud accounts. I have sent all the requested documents & they continue to report the accounts that do not belong to me. I am requesting again for the fourth time to please delete and block the accounts that you are reporting for several Accounts from the Dep of Ed/XXXX. I am asking again to please delete & block this information. I have been sending the request for these accounts to be deleted since XX/XX/2019 and nothing has been done just a computer generated response. Please delete these accounts.
Consumer complaint received 2020-07-26
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)

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$0.00}
Consumer complaint received 2018-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (OH)

On XX/XX/XXXX a annual escrow disclosure statement was applied on my mortgage account. The statement stated that there was a change in my escrow account and that my mortgage payment was increasing from {$1200.00} to {$1600.00}. Which is an increase of {$380.00} per month. The calculation they used was projected escrow balance of ( {$1600.00} ) minus allowable low escrow {$1100.00} which is how they came up with a shortage of ( {$2700.00} ) which is incorrect because I qualify for a homestead exemption which is a credit I receive on my real estate taxes because I am XXXX. I have sent them documentation proving that a qualify for the tax credit. The bill that they paid in XX/XX/XXXX was for the first half of XXXX for dates XXXX XXXX - XX/XX/XXXX. I bought the house XX/XX/XXXX of XXXX. XXXX County bills a year in arrears so the tax bill that was paid this year was for the sellers portion of the bill. My first full year of homeownership will be the end of XXXX which will be when m homestead exemption credit will be applied. Currently my escrow account is not short they are trying to add the ( {$2700.00} ) from XX/XX/XXXX to my current payment. That analysis was done based on the sellers tax bill which is not my full year tax bill I will receive that bill XXXX XXXX due in payable in XXXX of XXXX.
Consumer complaint received 2024-06-02
Product: Credit reporting 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. (NV)

I did not apply for credit with XXXX XXXX XXXX XXXX XXXX. I did not apply for XXXX XXXX. 3 inquiries are on my credit file are fraudulent. Identity Theft Report Filed. Fraud.
Consumer complaint received 2024-06-01
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. (MA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

In XXXX of 2020, I have filed a notice with Experian,XX/XX/XXXX, and XX/XX/XXXX for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XXXX of 2020, I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XXXX 2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
Consumer complaint received 2020-07-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I am writing to request assistance regarding my student loan. My student loan started in XXXX at XXXX and is now over XXXX. My current payment is over XXXX. Since XX/XX/XXXX, I have paid {$4400.00}. Out of {$4400.00}, only {$310.00} has been applied to the principal. There is no way that this agency or Navient, can think that is fair or acceptable. At some point, there should be an acknowledgment that this should not be allowed. When I was struggling financially, I was never told about income-based payment plans. I was always placed on forbearance. I filed for bankruptcy in XXXX and the loan was not included. I am asking for assistance in either loan forgiveness since I have been paying for over 25 years or loan reduction. Thank you in advance.
Consumer complaint received 2020-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

I filed chapter XXXX Bankruptcy in XX/XX/XXXX and received discharge XX/XX/XXXX. One of the debts discharged on that date was Macy 's Department Store. XX/XX/XXXX it was placed for collection with XXXX XXXX. 
I've reached out to them and all 3 credit bureaus and submitted supporting documents to no avail. On XX/XX/XXXX XXXX I received mail from XXXX  verifying the account as accurate and updated. How can it be accurate If a judge in a court of law ordered it discharged and no representative from Macy 's or anywhere else showed up to contest it? This is reflecting negative on my credit reports and I'd like it removed promptly
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MD)

I did not make these inquires. I did not grant permission for these inquiries. It is likely that these inquiries are the result of fraud. I would like each company to provide written proof that I gave them my written permission to access my credit report. I have made an effort to resolve this where I have good contact number. Those companies have not been helpful. Instead, they have given me the run around. I have I contacted the credit bureaus and they send me back to the companies. This is extremely frustrating.

Thank you.
Consumer complaint received 2020-07-26
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. (TX)

FTC Violations I never live at these addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX PASS XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Names is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES CAPITAL XXXX BANK XXXX XXXX
Consumer complaint received 2020-07-26
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)

FTC Violations I never live at these addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX PASS XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Names is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES CAPITAL XXXX BANK XXXX XXXX
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America auto debits monthly for my payment towards my credit card.. they reported the payments late on my credit report. When this was brought to my attention ; I called and they reimbursed me late fees and interest/penalty charges. They have changed the reporting on every month with exception of XX/XX/2020.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONLINE Information Services, Inc. (OH)

I have been attempting to try and remedy negative marks on my credit score by paying off past due debt. Last week I contacted Online Info Services regarding a {$600.00} past due XXXX XXXX XXXX from when I was laid off and ended up selling my house. I initially tried to challenge the amount because I believe it was inaccurate but at this stage I just want it off my credit report. 

When I called today to try and may payment arrangements, the first representative was nice. She told me my only option was to pay the balance in full or make 3 installment payments of {$200.00} each every two weeks. I can not afford that so I explained to her I wanted to set up bi-weekly payments of {$50.00} a week to get the bill paid in full. I also told her I have student loans I am paying on top of my regular bills and medical expenses. She placed me on hold and sent me to a manager. 

The manager was rude, belittling, and insulting. She was not concerned that the debt was incurred during a time I was laid off for more than a year. She basically said my offer to pay what I could afford was unacceptable. If I didn't pay in full, or do the three installment payments she would not accept anything. Period. 

This is a bullying tactic that should not make consumers feel less than human when they are trying to pay off what is owed. I called on my own to make arrangement. I offered to have the payments made every two weeks until paid in full but she basically said what I could afford was unacceptable and her company rejected any attempts to accept a payment from me. 

I've reached out to XXXX XXXX of Ohio to also see if they can step in but I have no other recourse but to file a complaint against them for abusive collection tactics.
Consumer complaint received 2024-03-05
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. (TX)

Equifax has failed to remove unauthorized inquiries that may have been due to a data breach. They were informed of this error last year and failed to remove this information. I have already sent my Equifax data breach claim id and FTC report, but I will attach the FTC report again for your reference. Remove the following unauthorized inquiries from my credit within 7 days or I will have no choice but to pursue legal action : 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 2024-03-05
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. (OH)

I am writing to express my dissatisfaction and frustration regarding the unresolved issue with my open account, despite numerous attempts to dispute and rectify the situation. 

It has come to my attention that there is an inaccuracy in my open account, specifically pertaining to a late payment that has been erroneously recorded. Despite my repeated efforts to dispute this discrepancy and provide evidence of timely payments, the issue remains unresolved. 

This oversight on your part has had a detrimental impact on my financial standing and creditworthiness. As a responsible customer, I have upheld my end of the agreement by ensuring timely payments and fulfilling all obligations outlined in the terms and conditions of my account. However, the presence of this late payment on my account unfairly tarnishes my credit history and undermines my financial credibility. 

I demand immediate action to correct this error and ensure that my account accurately reflects my payment history. It is imperative that the late payment is removed from my account without further delay to mitigate any further damage to my credit score and financial reputation. 

Furthermore, I expect your institution to implement measures to prevent similar errors from occurring in the future and to provide better support and assistance to customers who encounter disputes with their accounts. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.
Consumer complaint received 2022-06-15
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 (CA)

I am an XXXX XXXX XXXX XXXX service member. Freedom Mortgage has inaccurately and unfairly reported various 30 day late payments on my credit report. In fact, The 30 day late mortgage payments are creating an inability to financially create security for my family. The inaccurate and unverifiable information has been disputed by me directly with the data furnisher ; Freedom Mortgage. 

My rights under the FCRA have been violated along with what appears to be a COMPLETE disregard for my rights under the Service Members Civil Relief Act. 

These " late '' payments were a result of being forward XXXX in direct support of military operations in a foreign country. Internet services would go down for weeks at a time making it difficult to make payments on time. I had zero control and couldnt predict when internet services would be impacted. Mortgage payments were on time during the months where internet services remained online. There was NEVER a time however that my late payments exceeded 30 days. I have disputed these late payments as they are not only inaccurate but illegally reporting. 

My role as an XXXX XXXX service member is to protect the country. " FREEDOM '' mortgage is not only protecting me as an XXXX XXXX member but is contrarily causing severe hardship to myself and my family by refusing to update my credit report to reflect accuracy. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CT)

I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX. 

This account has since been sold to Security Credit Services
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

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

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