davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. XXXX IN THE AMOUNT OF {$3900.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX XXXX AND TRANSUNION MORE THAN ONCE THAN THIS ACCOUNT DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE. I HAVE CONTACTED XXXX ON NUMEROUS OCCASIONS THEY HAVE NO CONTRACTS NO PROOF AND FAIL TO PROVIDE THE LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE. THIS IS A FRAUD ACCOUNT. I DID NOT MAKE AN BUSINESS TRANSACTION WITH THIS COMPANY OR WHOMEVER THEY REPRESENT. I WILL BE FORCED TO SUE IF NOT REMOVED IMMEDIATELY.
Consumer complaint received 2019-03-28
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: ProCollect, Inc. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. PROCOLLECT IN THE AMOUNT OF {$3900.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX   XXXX AND XXXX MORE THAN ONCE THAN THIS ACCOUNT DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE. I HAVE CONTACTED PROCOLLECT ON NUMEROUS OCCASIONS THEY HAVE NO CONTRACTS NO PROOF AND FAIL TO PROVIDE THE LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE. THIS IS A FRAUD ACCOUNT. I DID NOT MAKE AN BUSINESS TRANSACTION WITH THIS COMPANY OR WHOMEVER THEY REPRESENT. I WILL BE FORCED TO SUE IF NOT REMOVED IMMEDIATELY.
Consumer complaint received 2020-12-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (TX)

I have tried to recieve assistance from my mortgage company to save my house 4 different applications for assistance have all been denied because they said i ran out of time, but i was never contacted if anything was needed. I have a foreclosure pending and have sold this house closing is set for XX/XX/2020 I let me servicer know that i needed a payoff and they have sent over XXXX over what is due on the house adding all kinds of fees and such that i can't sell me house now because I can not afford to pay out of pocket. I have even asked them to modify the amount so i can sell and they sent me a letter increasing the amount making the sale impossible and now I will have to let the house foreclose. And I have to pull the house from the sale because I can not afford to pay out of pocket to close, nor relocate.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (TX)

Reported hardship to Flagstar bank in response the COVID pandemic during the month of XXXX. Flagstar bank initiated the forbearance under the XXXX XXXX but still reported the month of XXXX as delinquent to all three credit bureaus. I have disputed this with all three credit bureau 's but they were unsuccessful at removing the derogatory remark. I have also reached out to Flagstar bank but they have been uncooperative in helping to remove this inaccurate remark on my credit report. I am now unable to refinance my home at a lower rate due to this report as VA require no missed payments in 12 months. Your help in this matter is greatly appreciated.
Consumer complaint received 2023-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : CAPITAL ONE XXXX Date Opened : XX/XX/2019 Balance : {$68000.00}
Consumer complaint received 2018-05-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC. (GA)

The debt collector and the credit agency are in direct violation of the FCRA. The debt collector did not send proper documentation notifying me of the debt or me right to dispute. Several written notices have been forwarded to both the debt collector and the credit agency. The debt collector and the credit agency have failed to show legally DOCUMENTED proof that a notice was sent. In an effort to continue to falsely collect on a debt I do not owe the debt collector and credit agency are reporting erroneous information. Also, the debt collector has violated the FTRA by not properly reporting valid information.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO Bank, N.A. (MO)

I purchased a vehicle in XXXX that was financed by bank of the west, as of XXXX they were bought or by BMO Harris My original loan was transferred to BMO, apparently Bank of the West had been charging me late fees and applied them to my account not the bank end of my loan. My original loan amount {$20000.00} when my loan was transferred I only had in XX/XX/XXXX my balance was {$3300.00} I made a payment of {$360.00} leaving me at {$3000.00} and then I made an extra payment of {$110.00} bring my balance down $ XXXXnow fast forward to XX/XX/XXXX I made a payment bring my running balance down to $ XXXX.on XX/XX/XXXX I entered one of BMO banking branches and made a cash payment of {$990.00}. But because it was a Saturday it did not show the occurring interest of {$3.00} so on XX/XX/XXXX I went ahead and paid that {$3.00} which should have brought my balance to paid in full XXXX. I contacted the bank to verify that was the case and then they spring on me these so called late fees that were added on to the bank end, but not to my monthly payments the following months. They are refuse to report the XXXX as paid in full and they reported to all 3 credit reporting agencies false information.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ).

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am the original creditor. I'm demanding deletion of all transactions on my consumer report. Remember, I am the original creditor. 
Pursuant 15 USC 1666b the following account XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law.
Consumer complaint received 2020-12-23
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. (TN)

TransUnion has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I had Trying Fixing this problem with XXXX  XXXX XXXX numerous times.The problem is still there showing late payment XX/XX/2019 which was error from XXXX they even waived the late fee because auto payment system error. I have Secure card with XXXX  suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Called Bank of America 2 times in last 2 weeks because bank texted me that my credit card had been approved. I did not apply for a credit card and told the bank not to issue the card. bank said they would not issue the card. this happened again a week later happened 3 times.
Consumer complaint received 2022-03-08
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: Google Compare Credit Cards Inc. (CA)

Loged on to check my credit report, it start sakin about charges iv hever herd of, dates i dont rememb3r buying anything.then said to contact customer sct atXXXX  number, just like that.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX - XXXX XXXX XXXX has violated my rights. 
Department of ED / XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX ) has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-20
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Department of ED / XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX ) has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/22 I sent in a request for the Credit reporting agency to delete the inaccurate information on my consumer report. It's now 37 days and I haven't received any responses from them.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

I had a loan modification done in XX/XX/XXXX. The principle amount as of XX/XX/XXXX was {$350000.00}. Several months into this loan, they transferred it to a new company. This company has changed names, but it's been the same one since early XX/XX/XXXX. 

In XX/XX/XXXX, I received my mortgage statement stating that I owed {$77000.00} for the next payment. I called and asked what that was about. They informed me that it was an error on their side and that they would be taking care of it. I then received several more statements over the next few months with several different amounts " due immediately. '' I kept making my payments as usual and also called several times during this to ensure I wasn't missing anything. They insisted it was their mistake and they were fixing it. 

I finally received a statement in XX/XX/XXXX that looked like it was back to my normal payment. However, the principle amount had gone all the way up to {$350000.00}. This is more than what it was 3 years prior when the loan was modified. 

Since then, I have repeatedly tried to contact them ( both in writing and via phone ). Sometimes it takes several attempts to contact them before I receive a notice saying they are investigating. Each time they have been " investigating '', they have come back later and either said they have resolved the issue ( without telling me what it was ), or that they can not continue because I didn't supply the supporting documents that they had requested and so have closed the dispute. In EVERY case of the latter, I never received any kind of communication or request from them. 

I have seen on the payment history, downloaded from their site, where they have taken the money out of my account starting in XX/XX/XXXX for " reallocation, '' however, there is no record or explanation of where and/or why it was reallocated. 

I am currently selling my home and today, XX/XX/XXXX, almost 4 years after the modification, my payoff statement is a dollar figure that almost exactly the principle amount from the origination of the loan. 
XX/XX/XXXX Payoff statement : {$350000.00} XX/XX/XXXX New loan amount : {$350000.00} I have never missed a payment. I have copies of my bank statements that show every single payment since my modification.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

The original balance being reported owed is {$1500.00}, yet it's being reported the balance owed is {$1500.00}. Also, a collection account can't have a past due amount. To many clear inaccuracies as this is grounds for deletion and to be in compliance with FCRA guidelines.

I've sent two certified letters to the company which to no avail have no address the letter in detailed as it pertains to the alleged debt.

Please see the supporting documents that were ignored per XXXX XXXX and/or company at Convergent Outsourcing XXXX
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NC)

In XX/XX/XXXX, I had an acct for internet and TV with XXXX XXXX and discounts were about to expire. I contacted them prior to the discounts expiring in XXXX and they told me they were actually lowering my bill. When the bill came in XX/XX/XXXX, it was significantly higher. When I contacted the XXXX XXXX about this error they acknowledged that I had been given incorrect information. They said they could not honor the price they had quoted. 

On XXXX XX/XX/XXXX, I closed the XXXX XXXX acct via phone. I was told two equipment boxes would be sent to me ( one for Modem and one for TV equipement ). I was instructed to wait and mail both boxes back at the same time, regardless of when they arrived. When none had arrived, I contacted XXXX XXXX on XX/XX/XXXX requesting the boxes again. By XXXX XXXX, no boxes had arrived and I made a 3rd request. Still no box arrived. 

On XXXX XX/XX/XXXX, I received an email from XXXX XXXX saying I owed {$640.00}. This appeared to be for equipment. 

On XXXX XXXX at XXXX XXXX, I contacted them. After waiting on hold for 12 mins, XXXX from XXXX XXXX answered my call. He said that someone had put in the wrong info. The previous representative didn't put in the address and the " offsite group '' that handles the boxes couldn't send me the box. He claimed to have corrected everything and a box should be forthcoming for the TV equipment. He also said that the previous representatives were incorrect and that XXXX XXXX wouldn't send a box for the modem and that I should go online to XXXX to initiate the return of the modem. I was told to use a XXXX Drop box. 

I went on line as instructed and took the Modem to a XXXX store on XXXX XXXX at XXXX. I retained a receipt. 

On XXXX XXXX I contacted XXXX XXXX because the TV equipment box still had not arrived. This was my 5th request for the required equipment box. XXXX confirmed that XXXX XXXX had received the modem on XXXX XXXX and credited my account. She said she was sending ANOTHER box for the prism TV equipment.I was beyond frustrated and just wanted their junk out of my house. Every time I have to call them, it is an hour of my life spent on hold and being bounced around to different sections. I offered to deliver the box to a XXXX XXXX store but XXXX said that wasn't allowed. I also asked if one of the  many techs I see doing installs in the neighborhood could pick up the equipment. I was told that wasn't allowed either. 

In XXXX, I also began to receive collection calls for the " debt '' associated with the equipment. I instructed them not to contact me further. 

Finally, an equipment box arrived. I packaged everything up and XXXX picked up the package from my home on XXXX XX/XX/XXXX. 

As of XXXX XX/XX/XXXX, I am still receiving calls and text messages from MRS Assoc. regarding they XXXX XXXX " debt ''. Apparently, because the equipment wasn't returned within the time allotted by XXXX XXXX following the original closing of the account.
Consumer complaint received 2022-03-08
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. (GA)

I SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

Today, XX/XX/2022, I accidentally clicked " Create an Account '' instead of " Continue as a Guest '' while trying to make a purchase off of XXXX from a vendor who only accepts Paypal. Because there was no confirmation modal, I immediately got an email asking me to set up a password. I tried to see if there was a way I could close the account without setting one up, but made no headway. I then set up a password, and tried to close the account but was blocked and told I needed to contact customer service. Because this issue arose outside of their business hours, I tried their chat bot, which informed me that my account was limited, and that to close it, I would need to undo the limits by confirming a credit card and by uploading a photo ID. I do not want to give this company any more of my information, and I do not want to have to waste any more time jumping through their hoops.