davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (LA)

I've given dates on when I will pay my debt and they continue to harass me with repeated phone calls. They don't care when you give them a date to pay because they will continue to harass you. Even when I've told them repeated that I would be making my payments through my bank 's bill payment system, they will still call you and harass you. I've also told them repeatedly that I do not want to opt for the payment help because they asked additional questions that I thought were not appropriate and yet they continue to call and push their unethical plan.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (PA)

Received a letter from Truist bank stating that I owed XXXX $ for a closed and overdrawn balance on XX/XX/2022. I have never opened an account with Truist. I contacted them, and they requested I fill out this complaint while they investigate
Consumer complaint received 2022-09-01
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXX XXXX XXXX XXXX XXXX ...... Date Opened XXXX XXXX XXXX Balance {$1900.00}
Consumer complaint received 2022-09-01
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: FIRST NATIONAL BANK OF OMAHA (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. FNB OMAHA XXXX Date Opened XX/XX/2017 Balance {$3500.00}
Consumer complaint received 2022-09-01
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2022-09-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If Transunion choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Opened : XX/XX/XXXX Balance : {$8100.00}, XXXX XXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Balance : {$7700.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Consumer complaint received 2019-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (AZ)

Called several months ago about the chain of custody of my loan documents and proof that I am paying the organization with legal right to my debt. I was told they would send me documentation proving that they owned the debt but I have not received this documentation.
Consumer complaint received 2022-09-01
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 have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variations of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Consumer complaint received 2019-01-29
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. (WI)

I have tried several times to remove a public record that is still showing up on my Experian credit report. XXXX investigated and found that the bankruptcy was indeed not mine, and it's not. The record was removed from XXXX and the other 2 credit bureau files. The only one to remain is Experian. They continue to state, " the reporting company verifys the account is yours. '' XXXX has send me a copy of my report which also verifys the record has been deleted. When speaking to the Experian dispute person, she told me they send the dispute to XXXX and they have 30 days to respond. When talked to XXXX they claim they do not receive the dispute from them. So which is it? There is no way for me to get this corrected unless someone else steps in and forces them to do the right thing because they want my credit to remain bad. Experian has been told time and time again that they are reporting false information on my credit report and it needs to be deleted per the FCRA. They are clearly not doing their due diligence in the dispute process. They can't or won't event tell me how the process works. It's clearly a rigged system where no one is held accountable to uphold federal law. I demand the public record be removed immediately or legal needs to be taken.
Consumer complaint received 2022-08-29
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-06
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXXXXXX
Consumer complaint received 2022-09-01
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either
Consumer complaint received 2022-09-01
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (TN)

XXXX XXXX bought my loan and my first payment was to be in XXXX. They reported two late payments in a row to all three credit agencies and one of them was even for XXXX. When I initially disputed this and said it was paid they refused to fix it. It took almost two months. There was only one late payment at first then they added another one during the process. They eventually took it off but massive damage has been done to credit that can not be reversed. My XXXX card was closed when Im in the midddle of remolding my house, other cards lowered my credit limit. My score dropped over 100 points even after they fixed it its still almost down 100 points from there negligence. Now I cant get Heloc, a refinance, or a new card to help cover the cost of the massive repairs of this house.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (FL)

My personal information was stolen in XXXX of XXXX  since then I've been seeing a lot of unauthorized inquiries and accounts from Equifax credit profile. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquires have been found on my credit report please investigate and Remove all inaccurate inquires I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  : XXXX XXXX, XXXX XXXX : XX/XX/2022 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 an account without my hand written instructions.
Consumer complaint received 2022-09-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-08-29
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (OR)

I took out a loan for {$1000.00} on XX/XX/XXXX. As of XX/XX/XXXX I have paid {$1000.00}. When I called today to get the payoff amount I was told it would be {$1100.00} which is more than the cost of the loan. Apparently, none of the money I paid thus far went to the principal balance. I was unaware that would be the case when taking out this loan.
Consumer complaint received 2019-01-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hawthorn Recovery Services, Inc. (MO)

The individual XXXX lied to me stating that the number he called was my personal number and only one listed he called me at work jeopardizing my job then would not stop and DEMANDED me give him my home phone number or he would keep calling my work number which means I'd get fired. He also admitted he has sent letters and i did not respond so he called this number. I am under NO obligation to respond to his letters.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I have a series of complaints with Wells fargo. 1 I was sold a 10/1 arm mortgage under false pretense. I was approved for a 30yr fixed but was pushed into a loan with bad information, 2 When I was in a small finance hic cup in XX/XX/2014 this came to light so I reached out to Wells fargo for help. The bank steering me in to a HAMP program. # 1 A HAMP program in a MBS. Mortgage Backed security. the lender was WELLS FARGO so they proceed Sent me 7 Home preservation packets thru 5 different agencies all over the country The security was owned By Wells Fargo, They purposely held back this information. not only from the home Presorvation but also the Vice presidents department as well. Sent overwhelming letters that was contradictory to each other SO This put me into a program that has a 100 % Failure rate lead to a forclose., tried to vacate my home, as well as my tenant 's was an attempt to financially sink me Then Maintained this HAMP process for over a year, assuring me success Denied my Loan Mod put me in court under duress and charged me exorbitant fees on the back end of my Mortgage because I had equity.
Consumer complaint received 2019-01-29
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. (TN)

I was never late and they reported me 30 days late even after showing them the payment was sent in and on time. XXXX  XXXX did this in the past to me as well and always refused to not report after showing and proving proof
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX XXXX has reported to my XXXX credit report that I was over 30 days late on a car payment I was not late I filed a claim for lemon law for that car and XXXX bought the car back because of the problems with the car. The offer was made to buy the car back on XX/XX/2008 I turned the car into XXXX I have no idea why it took them past the 30 days to pay off the the car
Consumer complaint received 2019-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (AL)

It looks like they are saying I owe a bill from XXXX XXXX of XXXX from XX/XX/XXXX. Ive contacted the company multiple times and they dont have anything in the system about/for me. Its basically showing me as non existent. I asked SCA Collections to verify the debt, but they couldnt & mailed something on XX/XX/XXXX thats totally in violation with the HIPPA law. Its a bill thats been reported wall 3 credit bureaus and having a negative impact on my credit for {$94.00}. I even offered to pay the debt without verification because of the damage its doing to my credit and SCA wont allow it! Im very disappointed in this unfortunate situation and really need help! Ive contacted the 3 credit bureaus of this situation via mail and Im currently waiting on a reply. I just want someone to actually listen and help with this situation.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

JPMorganChaseMortgage paid my XXXX XXXXl Homeowner 's policy 6 plus weeks in advance ( on XX/XX/XXXX ) {$490.00} when it is due XX/XX/XXXX-XX/XX/XXXX period, created shortage in escrow account, I asked them to pay end XX/XX/XXXX, early XX/XX/XXXX.

New escrow analysis ( XX/XX/XXXX-XX/XX/XXXX ), showed due in XX/XX/XXXX, {$500.00} for anticipated H/insurance they paid XX/XX/XXXX..

{$490.00}. This XX/XX/XXXX paid out from escrow, deliberately LEFT out of activity current escrow period XX/XX/XXXX-XX/XX/XXXX.

JPMC, created escrow shortage and now increased my monthly payment for " escrow shortage.

Spoke with XXXX XXXX ( XXXX x XXXX  ) who was closing the escrow effective XX/XX/XXXX. Does not likely to happen.

JPMC has mismanaged my escrow account prior to this and I requested to cancel the escrow.