davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (NJ)

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to along with an account that should no longer be reporting on my account.. Upon reviewing my credit report, I discovered the following unauthorized accounts : 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 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} I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent, that I the consumer did in fact open the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the account I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Robinson, Reagan and Young PLLC (AL)

I have not lived in XXXX   since XXXX and yet I find a collection on my credit report of {$350.00} reported in XXXX XXXX clearly my credit history shows I lived in XXXX  from XX/XX/XXXX until XX/XX/XXXX when I bought a house in XXXX  and moved there. someone in XXXX tn however used my identity to get utilities through XXXX and not pay for them. Robinson, Reagan and Young refuse to remove this from my credit history. I am willing to sue them for the damage to my credit score. This entire account was a surprise to me when I did my annual credit report check. I have had stellar credit for over ten years and am very angry with this identity theft.
Consumer complaint received 2018-10-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FULTON FINANCIAL CORPORATION (NJ)

We had a home built by XXXX XXXX XXXX in XXXX, NJ.in XXXX. The materials used during the process are off gassing a toxic gas called formaldehyde. Specifically the floor joists manufactured by XXXX. They are called XXXX joists. XXXX XXXX  was made aware of the problem and also made aware that with these products are in the home, the home resale value is much lower now because of the mere fact that these are in the home. The joists have been sprayed with a grey paint by a contractor hired by XXXX which was applied very poorly. It did not meet the standards that they set for the application of the paint. They came out a second time to repaint the joists. After a recent home inspection to check the air quality and what the white substance was growing on the joists, we noticed an electronic devise operating within the problem area. After research we found that the device is designed to eliminate formaldehyde  within a room of 2000 square feet. This devise was installed for no other purpose than to skew the air quality results. Even though that devise was present, the air quality still tested high. 
The tax accessor has devalued the property because of the problem, and the township has not given a certificate of occupancy because of the problem. The home is obviously worth much less than the loan amount. Anyone that is aware of the problem agrees that the home is devalued. 
XXXX XXXX  does not see it that way and have been trying to force me to close on the construction loan a transfer to a conventional loan. I have been making the payments per the loan agreement but in XX/XX/XXXX they stopped accepting my checks and actually refunded one of the recent payments. Then they sent me to collections which affected my credit score dramatically. I really need someone to have them to do what is right. 
Thanks
Consumer complaint received 2022-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (NY)

In XX/XX/2021, I applied for a personal XXXX with PenFed in the amount of XXXX USD through their Website. Upon finishing the application, I was requested to submitted additional information to confirm my identity such as my state ID and my Social security card, as both me and my father have the same exact name ( no junior or senior ) but different dates of birth and S.S numbers. After that initial request, I received emails 3 additional times to resubmitted these documents to confirm who I was, and I resubmitted each time. Once they had received my information Multiple times I then received an email stating that I was approved and would received a check in the mail. Once the check had arrived, I deposited the check into my account. roughly a week later I received a letter in the mail with the account information so I can make the payments and is when i had noticed that the last 4 numbers if the social were not mine. I called Penfed to try and have this corrected but have not been able to have this done. After some time of Penfed stating they would fix this issue and would send out a letter, we found out that it was my father 's social as it appeared on his credit report. My father did not authorize for them to use his social as i provided all my information. Eventually, Penfed tried to fix the issue by running my credit to see if I would be approved for the loan but unfortunately did not and did not provide any other remediation to an issue they created if they would have seen the verification documents submitted. My father did not agree under any terms to have a loan in his name and nor do I know his social security number and to this day we are unsure how the accounts got mixed but Penfed has offered no recourse to resolve this issue of stolen identity on their behalf.
Consumer complaint received 2022-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation (NC)

I have sent multiple ftc reports in XXXX XXXX along with id and they refuse to accept it as id and process the ftc reports even after providing personal info
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is still reporting an account that should have expired ( 7 year rule ). 
They refuse to fix the problem and continue to report account that should be deleted.
Consumer complaint received 2024-03-01
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. (PA)

Recently I have looked at a copy of my credit report and noticed a collection inaccuracy on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. I have contacted this agency multiple times in request for validation of debt and orignial contracts/agreements. per se my rights 12 CFR Part 1006.

Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX 
Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX ( Transunion ) XXXX XXXX XXXX XXXX 
Account Number XXXX ( XXXX )
Consumer complaint received 2022-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MS)

Caliber Home Loans failed to make my escrow payment to my County taxes for my Home. I received a letter from XXXX XXXX County telling me my taxes were delinquent. I called my escrow department and they could not give me a answer on why my payment was not made. I went to the court house and made my XXXX tax payment plus the first XXXX months of XXXX because of the non payment of my taxes. I paid XXXX towards the last XXXX months of taxes. I faxed Caliber Home loans my receipt of payment and asked for a refund. That was over 65 days ago. When I call all they can tell me is they will be doing an escrow analysis, this has been going on for 65 days now and no analysis.Management refuses to call me back and caliber refuses to refund me my taxes. Please help me.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (PA)

I owed XXXX a past due bill in the amount of approximately {$150.00}. I paid this bill a number of years ago. In XX/XX/XXXX or XX/XX/2016 I applied to have XXXX XXXX service to my home. I was informed by XXXX that in order to get the service I had to pay the outstanding bill of approximately {$150.00}. Despite having paid it before, I paid it again because my fiance really wanted the service ( happy wife, happy life ). Apparently XXXX has turned this PAID debt over to at least ( 2 ) different collection agencies that refuse to remove it from my credit report. Additionally, I've call XXXX numerous times only to be put on hold for ( 30 ) minutes each time. Once I get through, I'm transferred to the collections department where the call ALWAYS gets dropped. I've enclosed my current bill with XXXX and information on ( 2 ) collection agencies.Thanks for your attention to this matter
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. (TX)

In accordance with the Fair Credit Reporting act the account XXXX 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 written instructions.
Consumer complaint received 2018-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MS)

On XX/XX/2018 and XX/XX/2018, I have requested proper validation from Convergent Outsourcing stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to funish such information.
Consumer complaint received 2024-03-01
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 2022-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Someone has used my email account " XXXX '' to open an account with Coinbase. I have contacted the company twice and I am still receiving emails from the company. I am taking this means there is still an account under this email. When I call the company to lock the account, I am informed that this is an incorrect phone number and am unable to close the account. I have emailed the company twice and only receive an automatic response. Any help would be greatly appeciated.
Consumer complaint received 2018-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Hello, I regularly check my credit score has Im trying to fix my credit. Ive noticed that navient has popped up as a charge off on a student loan. I immediately disputed the derogatory mark has I didnt recognize the lender. Upon further investigation I saw that they use to be a part of sallie Mae. My mother paid off all of my student loans before she passed away in XX/XX/2014. According to the report payments stopped in XX/XX/2014. Navient made no attempts to reach out to me directly. Had I known there was a loan left out I would have picked up where my mother left off. Navient has stayed that they have tried reaching out to me with no response. Ive asked for the phone number and address they have on file which they say they can not provide. Im beyond disgusted with the lack of customer service in trying to get this debt resolved. I find some of what they are doing fraudulent. I have disputed this information to the credit bureaus numerous of times. I must have rights when it comes to this matter.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (OH)

Credence resource claimed they have been trying to contact me at another address and insist I live at the location. They threatened to continue to destroy me during the pandemic about the validity of such debt. The original company XXXX XXXX XXXX  ceased contact years ago because I never renewed contract with them it was cancelled and equipment was returned. Credence Resource has harassed and threatened me over the phone when I have called them. They have continued to call and not identify company or leave message. Repeated calls seven minutes apart. This is the second time I have submitted dispute. One was XXXX  now XXXX XXXX  but my contract was with XXXX XXXX XXXX
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have complained to and sent information to XXXX XXXX XXXX services. They have reported my account ending in XXXX as being 30 days late in XX/XX/XXXX. I made 4 payments in XXXX XX/XX/XXXX for {$73.00} and XX/XX/XXXX for {$55.00} and then XX/XX/XXXX {$840.00} and XX/XX/XXXX {$720.00}. Both times they applied to the other account ending in XXXX. I called numerous times to have this corrected. The 2 payments on XX/XX/XXXX were finally after repeatedly calling over at ; east a 2 week period were finally credited corrected but the 2 payment on XX/XX/XXXX and XX/XX/XXXX wee never corrected and applied to the account ending in XXXX causing the account ending in XXXX to show 30-days late. I have called, faxed repeatedly XXXX XXXX and have disputed with the Credit Bureau to no avail. I want the negative 30-days removed from my account ending in XXXX removed. Both accounts have been closed.
Consumer complaint received 2018-10-18
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. (MS)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, UNIVERSl1Y OF XXXX XXXX : XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I appreciate your attention in addressing the fraudulent items within my file resulting from an alleged fraudulent activity. However, there remain additional items requiring removal. This complaint serves as a formal request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Consumer complaint received 2020-07-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/2006 my brother took out a loan against our house. I had no knowledge or did I sign anything to approve the loan. But XXXX and XXXX XXXX XXXX went around the law and issued the loan ( I have proof from a title company that they knew there was a 2nd party on the title and they just took me off title ). Needless to say my brother defaulted on the loan. I fought for 3 years for this even tried to get a modification on his loan but I got no paperwork saying they rejected the modification just a call from an attorney that they said no. I have spent lots of time and money to fix this and in the end we paid to catch up the loan and the foreclosure was dismissed. I am refinancing the house now and since XXXX went bankrupt a new company took over the loan. They are trying to charge us again for the legal fees that were already paid. I showed then the proof and once again so sorry but no. This is a difficult situation made worse by XXXX, XXXX XXXX XXXX and Shellpoint mortgage. I have sent numerous e-mails and it went on def ears. They all have done illegal things and I find it horrible. I was lucky enough to be able to save my home but I am sure there are others who found themselves in the same situation that lost their homes. They all should be responsible for their actions.
Consumer complaint received 2018-10-18
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: EQUIFAX, INC. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Equifax : XXXX, N/A Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX  : XXXX, XXXX  : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX, XXXX XXXX. XXXX XXXX Equifax : XXXX, XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX.