davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 as soon as possible!
Consumer complaint received 2022-03-15
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. (NJ)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 as soon as possible!
Consumer complaint received 2022-03-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have notified Experian that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report.
Consumer complaint received 2024-03-06
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. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. lam attaching proof that XXXX has admitted that'l was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA, XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act, the following accounts listed have violated my rights : - XXXX XXXX Account # : XXXX -US DEPT ED Account XXXX : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX -XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX MORE ) Account # : XXXX* 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 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act, the following accounts listed have violated my rights : - XXXX XXXX Account # : XXXX -US DEPT ED Account # : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX 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 2024-03-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC (TX)

My complaint is 1. Notice of Error & Request for Information Certificate and mailed sent to Selene Finance XX/XX/2022 refuses to answer request, I've been trying to get information for over two ( 2 ) years 2. Attempted to due an Non-judicial foreclosure sale without answering Validation of Debt/proof of Claims and all other information that was requested 3. Did not inform me that the Debt that they are attempting to collect is time-barred Debt pass Texas 4 yr statue of limitations and the 6yr Federal statue of limitations to 4. Placed and recorded incorrect assignments on land records attaching itself to a judgement order 5. Attempted to foreclose on Servicing rights only with no evidence of transfer of the Debt 6. Standing in position of Holder in due cause on accelerated defaulted debt, time barred for more than 9 yrs according to the Transferred and or assigned.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX I disputed the inaccurate items on my credit report with XXXX, Experian, and XXXX no response. I wrote requesting an investigation on XX/XX/2022 into the inaccurate items. To this date I gave yet to receive a reply or any type of acknowledgement regarding their investigation.Today XX/XX/2022 I am fed up. The following inaccurate information motion is as follows : Student Loans from US Dept ED need to be removed from my credit report from all 3 bureaus due to successfully completed the rehab program. 

Please Help thank you XXXX XXXX
Consumer complaint received 2022-03-15
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. (TX)

On XXXX XXXX I disputed the inaccurate items on my credit report with XXXX, XXXX, and Transunion no response. I wrote requesting an investigation on XX/XX/2022 into the inaccurate items. To this date I gave yet to receive a reply or any type of acknowledgement regarding their investigation.Today XX/XX/2022 I am fed up. The following inaccurate information motion is as follows : Student Loans from XXXX XXXX XXXX need to be removed from my credit report from all 3 bureaus due to successfully completed the rehab program. 

Please Help thank you XXXX XXXX
Consumer complaint received 2022-02-09
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I did not open any account on my own volition my information must have been recently leaked or stolen. Please close the account, and remove the inquiry from my account.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MO)

On XX/XX/, I paid just over XXXX to Hyundai Motor Finance in XXXX Texas. They requested an odometer statement. I did it and got confirmation by docusign same day XXXX. XXXX asked about XXXX times and I filled it out on XXXX, XXXX, and XXXX of XXXX. I called several times. Finally hmf said they received it but I havent received the title. The buyer of my vehicle is threatening to walk away and I dont blame him ; they sold their vehicle already in anticipation of my vehicle sale. Please help! XXXX took my money immediately and I have no proof of actually owning my car and this have no ability to sell it. Ive already bought a new vehicle and am paying double insurance! Please help!
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America ( BoA ) through their Card Services division is using their size and might to influence legal transactions by discouraging legitimate commerce in otherwise private transactions. Specifically BoA is advocating for anit-gun groups by refusing to do business or allow business transactions to occur using their credit/debit card services for firearms and firearms accessories. It is not, in any manner, a good business model for a large corporate bank to stick their nose into my affairs by tracking/assessing what goods and services I choose to purchase which are legal, and thereby disallowing my transaction to occur simply because of the BoA mantra in how they want to influence the marketplace.
Consumer complaint received 2022-10-09
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Emails, even as essential as those with statements, from this credit card company contain third party tracking pixels. Also known as web beacons, these codes are embedded in invisible pixels in most service emails and are designed to collect private data such as IP address, device and browser details, time, forwarded email addresses etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is considered inadequate as per all privacy laws I am aware of. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and any optout options. After complaints via public boards, only things I heard are PR statements such as reference to their privacy statements and ultimatum about unwillingness to remove secretive trackers. Additionally, the company does not honor do-not-call requests.
Consumer complaint received 2022-03-15
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: Kikoff Inc. (CO)

I noticed, ( while on XXXX XXXX ) a new account opened on my credit report through XXXX XXXX XXXX. It had an incorrect place of employment and I never opened an account with them. I contacted XXXX and submitted a complaint. They responded a couple of days later that the company said the account was mine. So I called them and they wouldn't answer their phones. So I emailed them. They responded telling me they don't recognize my email and asked me for all my personal information. I didn't want to do that at first but I finally agreed to give them my last XXXX digits of my SSN. After that, they said they found the account and froze the account. But they said I am still responsible for paying it. ( I didn't open the account, I don't receive bills, and I don't have account information or passwords to pay the money I didn't even receive. ) So, because it is not being paid, they keep reporting me to XXXX and my credit score is going down. It's only {$25.00}. But it is destroying my good credit and I have no way to stop it. And they refuse to take responsibility for fraudulently opening and account without verifying the information! I don't know who has my SSN out there but I put out a fraud alert through XXXX. No reputable company would think that you should be liable after you show them proof that you did not open the account.
Consumer complaint received 2021-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I have been on the income based repayment plan since 2010. I have re-certified on time when information was requested. Recently you are able to log into the student aid portal. There was an issue with the IRS site and it allowed me to complete the re-certification. On XX/XX/XXXX, I received an email stating that my request was incomplete so I sent my income tax return to them. This is not the first time that I have had trouble with AES removing me from my IBR and I want them to verify the start date of my plan, and if the terms are 20 or 20 years. How many years that I have remaining. 

They have sent my information to a collection agency, which I want this information removed, and any negative credit reporting corrected.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

Thank you Amx for fixing some of the credit reporting issues on my bureaus. However, recently pulled today on XXXX, you are showing my Charge off in XXXX. That is not being reporting correctly. However, I appreciate you deleting the reporting " data '' on the other months and leaving those dates BLANK as should be done by the FCRA after the actually charge off date. Which I think is some where around XXXX or XXXX of XXXX. 

So, I am asking if you can please fix this, see image, and only show charge off on the date it was charged off, and NOTHING reporting after that. Thank you!
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (ME)

XX/XX/XXXX what I had thought was " payment in full '', for hearing aids, was sent to the lender, XXXX XXXX XXXX. The amount for the " payment in full '' was received from the lender via a telphone conversation. The lender had no problem depositing the payment. The next correspondance from XXXX received XX/XX/XXXX in the form of a delinquent account notice of {$750.00}. At no time between the time the " payment in full '' was made in XX/XX/XXXX and receipt of the delinquent account notice did I receive any correspondance from XXXX. I called the company 's customer service department on XX/XX/XXXX to dispute this notice. I was informed that the loan had not been paid in full, that an outstanding amount of {$16.00} was still owed. It is unclear if XXXX cited the incorrect amount due of if the mistake was on my end. That {$16.00} difference continued to build finance charges and ultimately late charges totalling {$750.00} as of XX/XX/XXXX ( date of delinquency notice ). Not once throughout XXXX did I receive any notice of continued finance charges. Since my telephone conversation, of XX/XX/XXXX, with the lender, I have received a copy of my original contract and a voice message to contact XXXX if I had further questions. I returned the call, but never received a response from the lender to help solve this issue. I am more than willing to pay the {$16.00} owed. However, the additional charges, in my opinion, are unfair and uncalled for - not to mention immoral - especially in the light of lack of communication throughout XXXX on the part of XXXX XXXX XXXX. Consumers seem to be at the mercy of such unfair business practices.
Consumer complaint received 2022-03-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

From approximately XXXX while attending the University XXXX XXXX XXXX  XXXX XXXX XXXX ) I borrowed money to attend college at XXXX. I believe that these were XXXX guaranteed student loans. 

Now, all of these records are missing from my credit bureau reports. The loans were taken out at the Bank of America XXXX XXXX loan department. All of these loans were forgiven, but I want payments on the loan reflected on my credit bureau report, because these loans and payments were a material and significant financial event. 

I have had no help about this matter from the Bank of America. The loan check ( s ) were deposited into my checking account at the XXXX Branch of Bank of America.
Consumer complaint received 2019-07-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

Please see CFPB complaint XXXX which has been closed and still unresolved with Ditech. The letter that you received from Ditech is a total lie. I have received NOTHING from Ditech except 2 certified collection letters on XX/XX/2019 and 2 of the same in direct mail threatening foreclosure. They HAVE NOT posted my {$15000.00} as a payoff and still show that I owe over {$12000.00} as a balance on the account with them. They have stolen from me for 19 years including collecting mobile home insurance payments that they did not forward to my insurance company and that I again had to come out of pocket to pay to keep my insurance from lapsing. I have my payment history from my insurance company and DItech showing that they collected ins. payments for a year and 4  months and did not pay my insurance with it. The title that they sent to you IS NOT released and these papers that they sent to you are JUST COPIES of my original contract and NOTHING more. They refuse to talk to me and have NEVER tried to to the right thing regarding this settlement agreement. THEY STILL are fraudulent pulling the wool over your eyes as they have always done to me and many many others customers who are filing suit against them as well. The whole company is nothing more then a bunch of crooks who has stolen my life savings from me this time.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I receive a letter dated XX/XX/2020 XXXX XXXX XXXX XXXX will update my account and no longer be charged to the listed accounts. 

Effective today, the Customer Service Representative at XXXX XXXX has read quite different things to me about how my account will always be reported as ongoing charge off. I said that the letter did not express anything verbose.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IL)

Equifax free ID Theft Service is of no use to me as I had problems months ago logging into my account. I have tried to reach out by email to Equifax but the email bounced back. My old email address was : XXXX ( closed this email account this month ). I would like to use the free service but was unable to see any data of myself in my Equifax report since I was locked out of report. I was told by Equifax that my information like millions of Americans was breached.