davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (UT)

I had my credit frozen XXXX, in fact there was to be no further loans made on my SSN # due to over $ XXXX in fraudulent charges, credit cards, and loans made in my name of which I did not persue. In fact between XXXX & XXXX my credit score went from XXXX to under XXXX. When I reported the fraud, all major credit reporting agencies locked down my SSN & forced a statement to any person or company looking up my name for a potential loan. I have notified this law firm of these facts, but The company continues to provide me with what appears to be digital signatures on contracts originating from a city I do not/did not live in as evidence to support their claim that I am still going to be held responsible for the debt ( regardless of the fact that I did not initiate any such transaction ). This firm appears to be XXXX bent on collecting this debt from me rather than trying to find the person ( s ) responsible for causing their client to make a loan under false pretenses and identity. Add this all up and this is indeed makes the firm just as culpible for damages inflicted upon me in a counter suit which I do not intend to file/nor do I wish to file at this time but will not hesitate if these attempts to collect on a fraud debt do not stop : for the actions taken by the company who issued a loan in my name without my permission to a person who is not me & whom I have no knowledge of who they are ; the company took no action that I have seen to confirm the legitimacy of this particular applicant and collecting it from me as an illegitimate way to somehow offset their losses for questionable and highly suspicious business practices the collector hired this firm operating on with what appears to be the sole pursuit of collecting funds from a victim. One who has bent over backwards to accommodate ; honestly I just want this never ending story of fraud and questionable collection methods to end. Please stop treating me like a scumbag who deserves this constant barrage of intimidation and threat. Im just a guy trying to pick up the pieces and move on.
Consumer complaint received 2021-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I called transunion numerous times. I was told these inquiries will be deleted. They are still reflecting on my report. These are fraudulent inquiries that need to be deleted immediately.
Consumer complaint received 2021-12-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MD)

requests for payoff, pay activity statements, inability to verify lender, homeowners insurance unable to verify payor, escrow deduction payments are 3 times higher than tax, insurance payments, principle balance not reduced in 3 years, payoff notice of satisfaction on court record and XXXX land records, book liber payoff satisfaction filed PHH still shows mortgage balance and investor is activity statements show payoffs and Deed Title are assigned not released, XXXX XXXX and XXXX XXXX XXXX unable to provide detail of loan location of deed, title and lender identity theft fraud reporting to XXXX, cyber attack continues, evidence of money laundering via other home sales and DEED records on several county court and multiple states of cash transfers trust sales of property
Consumer complaint received 2022-07-05
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: CCS Financial Services, Inc. (NJ)

XXXX sold a collection to a company called credit collection service and it shows that this was paid! they continue to report on my report as a satisfied collection. Not only is this not mine but it's not reporting correctly! i asked credit collection service to validate this debt and I haven't heard anything from them as well as the credit bureaus to investigate this. All XXXX  did was illegally update the XXXX and so did XXXX. but they never actually validated the account. I have asked for 5 months now. this is causing great damage to my credit score and each bureau reports a different XXXX Furthermore, it's a violation of the fdcpa to continue to report an item that's disputed and credit coll continues to report this without having validated this.
Consumer complaint received 2021-08-25
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. (KY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 2022-03-27
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: SYNCHRONY FINANCIAL (GA)

My information might have been impacted by the XXXX XXXX breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OR)

I received an offer in the mail from Citibank for their XXXX XXXX  XXXX. The ad said if you spend {$750.00}. In the first 3 months after receiving your card that you will get {$200.00}. In rewards. After 4 months and {$900.00}. Later I called and was told the offer was for {$200.00}. After spending {$1000.00}. I said no I have a screenshot of the ad and it clearly says {$750.00}. After going through a few others I finally got to speak to XXXX, who gave me dispute # XXXX and said the money would be in my rewards in 3-5 business days. When that didn't happen I called back and ended up texting and sending them my screenshot of the ad. In the end they said they were filing the dispute and I would here something in the mail, which I did, the next day. It also said my offer was for {$200.00}. After spending {$1000.00}. Unbelievable, after spending them the proof.
Consumer complaint received 2022-03-27
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. (GA)

TransUnion is It's not updating my credit reports activity I have restoutlined numberestart to the XXXX XXXX XXXX  and maybe fuse to correct the mistakes which is making it hard for me to establish credit and to get the assistance that is needed during these rough times I have no other option button reach out to the consumer protection bureau and hopes that they can reach out to TransUnion to correct this so that way I may be able to able to sufficiently provide for my family and my family and retrieve the help that is so desperate needed at this time
Consumer complaint received 2021-08-25
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. (MD)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2023-12-29
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. (GA)

I am writing this follow-up letter exclusively to your organization to express my concern regarding the absence of any response from your end regarding the incorrect, unverified, and misleading information present on my credit report. On XX/XX/2023, I sent my dispute via CFPB to notify your agency about this issue. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE ORGANIZATIONS LISTED IN MY ATTACHMENT BELOW DID NOT RECEIVE WRITTEN PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT FROM ME. REPORTING LATE PAYMENTS, CHARGE OFFS, AND ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND WHICH IS FRAUD ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THESE ORGANIZATIONS HAD NO PERMISSIBLE PURPOSE TO PULL NOR FURNISH MY CREDIT REPORT. I DID NOT GIVE MY WRITTEN CONSENT WHICH IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2021-08-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (PA)

This company has directly violated Title 15 U.S.C. 1666d in the treatment of an account with a credit balance. This company has also neglected prior violations against the consumer as well as openly stating nonpayment of the alleged debt would result in the seizure of my property directly violating Title 15 U.S.C. 1692e ( 4 ). The company never validated the alleged debt under Title 15 U.S.C. 1692g. In addition the company is still in violation of all the laws sited on the invoice that was sent to them along with an affidavit of truth that was not rebutted point by point as required and stipulated in the communication. The contact through a indirect medium has yet to cease as ordered to do so via the previously sent cease and desist order now showing willful noncompliance with federal law. 

In response to notice received XX/XX/2021.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX and Chex Systems have blocked my credit and consumer reports. I have not had access to my files years because they decided to let identity thieves use and have access to my credit instead of me. In XXXX 's case, when I log into their XXXX product, another social security number is being displayed along with a blank credit file. The same product I have used for years allnof a sudden displays someone else 's information. 

ChexSytems has denied me my consumer file and has also let identity thieves have their way with my consimumer file. 

Both agencies have denied my requests to remove fraudulent addresses, inquiries and accounts or other outdated or fraudulent information not belonging to me nor initiated by me.
Consumer complaint received 2021-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (OH)

On XX/XX/2021, a balance of {$1100.00} appeared on my credit score after being acquired by Nationwide Recovery Systems in XXXX, TX. This balance is for treatment I received from XXXX XXXX XXXX XXXX years ago after an injury while on the job as a XXXX XXXX for the XXXX XXXX XXXX Kentucky at XXXX XXXX XXXX XXXX in XXXX, KY. 

My complaint is twofold. Firstly, I have attempted to contact XXXX XXXX XXXX at the email address XXXX, which is listed on the " Contact Us '' page of their website, for a debt verification letter. I sent this address a message asking for the debt verification letter on three separate occasions, once on XX/XX/2021, again on XX/XX/2021, and a final time on XX/XX/2021, and each time these messages were met without response. Failure to send me this letter would be in violation of the Fair Debt Collection Practices Act. 

Secondly, in the event that this debt is valid, it should still fall under Workers ' Compensation as I was working for the XXXX XXXX of Kentucky during my time of injury, and thus, not be my responsibility.
Consumer complaint received 2018-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have been trying to settle this account that I don't even own with portfolio recovery to no avail. Upon checking my reports today I realized that they are reporting as an open account with me having 2 late payments in XX/XX/2018 120 days late. I HAVE NEVER made payment arrangements of any sort with this company and I believe that would mean they are acting as a factoring company. This has to be some sort of violation with them.
Consumer complaint received 2021-12-12
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. (MS)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance $ XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2021-12-12
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. (MS)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$6700.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX Balance {$9900.00} XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry Date XX/XX/2020 2020
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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


In accordance with the Fair Credit Reporting act 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 my written instructions.
Consumer complaint received 2021-12-12
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. (MI)

XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments.

One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic
Consumer complaint received 2021-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (WA)

I am coming off of a forbearance and the mortgage company offered me a flex-modification. 

The flex-modification offer is supposed to offer a combination of extended payments and a lower interest rate. They originally indicated I was not eligible for the lower interest rate because my loan was behind before the forbearance. This was completely incorrect. As such, they did not apply the flex-mod rules correctly. Instead, they just extended the loan by 140 months ( over 10 years ) to give me a 2.6 % reduction in monthly payments. This adds {$380000.00} to the total cost of a {$400000.00} loan for a minuscule reduction in monthly payments.. It isn't reasonable nor doable. 

It's own instructions say that, if I can not afford the modification offered, that I need to call them to discuss other options that may be available. However, they will not put me through to anyone authorized to discuss this with me. The authorized individuals will not return my phone calls and the company will not provide any other contact information ( such as email ). I have called them five times, including requesting supervisors. Each time, I am promised a return phone call within XXXX hours. I have never received a return phone call. 

I have documented every call with them. I do not think they have any intention of talking with me and are letting the limited time I have to respond just run out. 

This is a Fannie Mae loan. The mortgage company is Guaranteed Rate, although I believe that the forbearance is being handled by another company contracted by them.
Consumer complaint received 2021-08-25
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. (AZ)

I demand the XXXX late marks reporting to my credit reports in error be removed right away. The XXXX late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans XXXX accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a XXXX late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX XXXX late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever XXXX late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
Consumer complaint received 2022-07-05
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. (NY)

I have tried for months now, via disputes with credit bureaus, emails to XXXX, and more... they have not only marked my payments as late for 8 of the months since there has been a moratorium on student loan payments, interest, and collections due to covid but also tacked interest on to the account! I'm already on the winning end of a class action suit against them for their failure to provide viable repayment options before this, but now, I'd love to start a new one over this. 

My credit score is PERFECT with the exception of the lies these people refuse to correct.