davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (CA)

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

On XX/XX/2023 XXXX I attempted to transfer {$630.00} from Cash App to my account at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX It is an account I seldom use and was closed without my knowledge so the funds were denied. After many attempts to work this out Im told the case is closed and they are unable to help. Cash App still insists they dont have the funds but I have sent them the statements twice showing they are still trying to deposit to a closed account. I have asked them to stop payment so I am able to deposit to another account. Im positive they have the money in holdings somewhere and they cant find it. My printout seems to prove this. I just want the funds as it was a payment for services I already completed. Any help would be appreciated.
Consumer complaint received 2022-12-16
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)

XXXX is still reporting an account I closed last year as open, this account was settled with the original creditor and closed the date of payment. This is not a joint account, this is an individual account with one obligee. This account states inaccurate information. 


Account number XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I attempted to pay my credit card after my bank account with Capital One was closed. I reported an issue with online pay and I was told it was a technical issue. Eventually, I got to a representative who kept telling me to call. I told him I was XXXX and very sick and needed accessible chat or communication options. I was never provided a way to pay my bill while sick at home, and eventually capital one XXXX the chat function on my account for their app and website. I was unable to reach support and couldn't call due to my XXXX. This is unethical and infringes upon my rights as a XXXX person. When I first complained about the online pay not working, I was told it was a technical issue and that it would be fixed. I believe Capital One lied to me in order to accrue fees and subsequently close out my credit card.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I had closed a mortgage refinance with Loandepot in XXXX. The Closing disclosure at the time of the loan closing is dated XX/XX/XXXX. The amount due from the borrower was {$1300.00}. 

On XX/XX/XXXX, I received another Closing Disclosure from Loandepot with all terms of the loan the same as before, but the amount due from the borrower was {$1000.00}. I assumed that the company has made a mistake in the Disclosure earlier and they would send me a credit for ( {$1300.00} - {$1000.00} ) = {$22000.00}.

I contacted the loan contacts and asked them why a new Disclosure was sent to me. List of contacts I contacted is below. I also called Customer Service and inquired about the new Disclosure. It has been 2 months since I raised the questions but have not heard any clear answer from them. I am not sure now which Disclosure is the correct one, and whether the company has made any other mistakes while processing my loan. Would appreciate any help. 

XXXX XXXX Licensed Lending Officer NMLS # XXXX Direct ( XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Manager NMLS # XXXX Direct ( XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Processing Manager Direct XXXX XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Consumer complaint received 2018-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (WA)

Applied for and received a XXXX dollar loan in XX/XX/2017. To date, I have paid back XXXX and the company is claiming I still owe 13 weekly payments of XXXX, or XXXX dollars in principal.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Loan Servicing would send me a voluminous amount of letters stating that Bayview would like to help me avoid Foreclosure ; With options such as a Repayment Plan, Short Sale, Modifications and/or Deed-In-Lieu of Foreclosure. My home has an accepted purchase contract of {$530000.00} and is currently in escrow. The current total unpaid principal balance is approximately {$470000.00}. But with the late fees and other charges to Bayview Loan Servicing, the total payoff amount is about {$500000.00}. To make a long story short, because I need to pay fees and closing costs ( escrow fees, title insurance, real estate agent fees, HOA documents, transfer fees, government recording fees, termite repairs, etc., ) associated with selling a house ; I requested Bayview to waive about {$4000.00} from the {$500000.00} Pay Off Amount so we can close escrow. Bayview said " No. '' So, I asked Bayview if I can do an IOU ( installment agreement ) for the {$4000.00} shortage and I would pay Bayview in installments so that we can close escrow. Again, Bayview 's answer was a " No. ''
Consumer complaint received 2022-11-30
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)

On XXXX XXXX, 2022 I contacted Experian 's fraud department to report the address on XXXX XXXX, XXXX TXas incorrect. The woman from Experian, refused to have it disputed because it is an address that a creditor, XXXX Bank for a XXXX Credit Card ) submitted. She explained that her job is to report what the creditor tells her and that Experian does not work for the consumer. Whatever information the creditor gives Experian is what Experian will report. 


I have never lived in XXXX Texas but Experian Refuses to remove it I have submitted a dispute for this Synchrony Account Every month for the past 5 months and Experian will not remove it. I have a letter from XXXX Explaining that this account will not affect me or show up on my report but Experian continues to report it. 


How can I hold Experian accountable when their employees are confirming they will only submit what the creditor says?
Consumer complaint received 2019-11-13
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: Experian Information Solutions Inc. (FL)

currently XXXX is reporting a fraudulent account on my report. I'm beyond frustrated. I've had to file a complaint and hopefully they'll catch the theif. I understand the credit reporting agency are simply doing their jobs but by them not responding and deleting the fraudulent information it's unfair to me. I am asking them to block the unauthorized inquiries from my report as well as block the XXXX account from my file. I found out that my information was exposed in several data breaches around 2015 and ive not known until 3 months ago that I could correct this according to the Federal Trade Commission and CFPB XXXX XXXX XXXX XX/XX/2015 XXXX XXXX-NEVER LATE INNACURATE LATE PAYMENT REPORTING/ I WAS TOLD MY ACCOUNT WAS CONFUSED WITH SOMEONE WITH A SIMIALAR NAME BEING MY NAME IS VERY POPULAR PLEASE SEE ATTACHMENT FOR THE 40 UNATHORIZED INQUIRIES THAT NEED TO BE BLOCKED IMMEDIATELY
Consumer complaint received 2022-11-30
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. (NC)

I received a copy of my credit report and found the following item ( s ) to be in error. You also do not have any permissible pupose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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. (SC)

This account has not been properly verified for inaccuracies. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Every bureau is reporting a different date of last activity and date opened for this account.
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (TX)

I have placed a complaint once before with no resolution. XXXX is reporting inaccurate information about me on their consumer reports. These inaccuracies are being used to generate the digital security questions that are used to identify a person when applying for federal/state benefits, replace a State ID, any banking done online, or anything that requires passing security questions online or by phone. I have contacted XXXX XXXX about this and they took my disputed items off of their report but never reset the digital security questions to reflect that. Also, the information is back on the report as of XXXX. Again, it is making it difficult to do anything online or by phone.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

I signed up for a secured card with XXXX XXXX on XX/XX/XXXX for {$300.00} to help boost my credit profile. At the beginning every was going well until I ran into some hard times. With the balance, the account was paid off with my {$300.00} deposit which left a balance of {$79.00}. On my credit report, it is listed as an adverse item of information, 15 USC 1681c states that requirements relating to information contained in consumer reports ; Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports. On the report this item is labeled as a charge-off. According to IRS Laws, charge-offs are considered certificate of indebtedness which is income. That item MUST BE REMOVED IMMEDIALTLY from the credit report. They also violated 15 U.S. Code 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX  reported to XXXX, XXXX, XXXX, and Innovis, which violates that directly towards me. All actions are subject to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation plus emotional damage. One of the biggest violations that was bestowed onto me was 15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) - report containing information solely as to transactions. That means reporting transaction history is illegal.

In your response back, you need to provide me with the address or email of the destination of my invoice for your willful violation. 

EXCLUSIVELY for XXXX, XXXX, XXXX, and Innovis, your role as a consumer reporting agency is to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and IRS Laws. 

XXXX XXXX, you as well need to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and in addition the IRS Laws as it is for helping with income regardless on how you got it. REMOVE that item immediately off my report. I DO NOT WANT PAID AS AGREED, remove it due to your actions.

Other violations against me : 15 USC 1681b 15 USC 1681c 15 USC 6802 12 CFR 1016.1 ( a ) ( 1 ) ( 3 ) and the list goes on but it will be listed on the invoice. 

NOTE ONLY TO XXXX and INNOVIS : XXXX XXXX XXXX, XXXX, and XXXX have all received the same notice.
Consumer complaint received 2018-06-28
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: Experian Information Solutions Inc. (CA)

On XX/XX/2018 I mailed out a notarized dispute letters to XXXX and Experian via USPS Certified Mail, tracking # XXXX and Experians Tracking XXXX. XXXX and Experian received my dispute letters on XX/XX/2018 at XXXX XXXX ( see screenshots attachment from XXXX. ) I received an email from XXXX on XX/XX/XXXX with the subject titled " XXXX Confirmation Number : XXXX - Dispute Completed '' to review the results online and prompted me to login and answer security questions to access the disputed results. 

Experian has not mailed me any dispute investigation results or any notices regarding my dispute sent to them and are currently 7 days passed the 30 days they have for instigating my dispute as I submit this complaint with the CFPB. 

I believe XXXX  is acting unfair and deceptive since I have never opted in to receiving dispute results by email, I have always received dispute results by mail only. 

After I attempted to login to the link XXXX sent me, I answer the security questions as prompted and was declined access to my credit report results because I appeared to have answered the questions incorrectly. 

The questionnaire XXXX provided to gain access to the " completed results '' DO NOT relate or pertain to me in any way.
Consumer complaint received 2017-08-23
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: Freedom Mortgage Company (CA)

Dear Sirs ; I recently called Freedom Mortgage to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined.
The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by Freedom Mortgage until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you
Consumer complaint received 2022-11-30
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)

This account has not been properly verified for inaccuracies. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Every bureau is reporting a different date of last activity and date opened for this account.
Consumer complaint received 2023-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-24
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. (FL)

I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, XXXX and Experian. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (FL)

My complaint is that XXXX XXXX sold my account to Receivables Management Partners Llc when my account did not go into default for failure to pay. I had spoken to multiple representatives at XXXX XXXX because my payment for XX/XX/2021 never went through, even though it did on my bank account and nobody seemed to know where the payment went. They had me forward my request to a supervisor who never got back to me about the matter. Each time I spoke to someone there I asked them to assure me my account wouldnt go into default, which they assured me each time it wouldnt. 

I have attached my receipt for said XXXX payment, the emails I sent regarding the matter to XXXX XXXX which they never responded to, and the letters I received from the debt collection company. 

My complaint is about both XXXX XXXX for selling my account to a debt collector after being told it wouldnt and for also not being advised it would be going into collections. 
My complaint is also for Receivables Management Partners Llc, the debt collection company, for never sending me an itemized bill from XXXX XXXX.