davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
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. (MD)

I wrote on at least two occasions disputing the validity of two accounts. The first disputed account does not belong to me and I have been disputing this account for seven years, according to my credit report which states that an account was opened on XX/XX/XXXX and was closed with a balance of $ XXXX I forwarded a copy of my SS Card and my drivers lic accompanied with a letter disputing my credit report. I was seeking a security clearance with the federal government, due to reckless reporting practices, I was denied employment and I'm contemplating legal action against the credit agency. I would appreciate any and all help to rectify the situation as soon as possible. 

I took the same actions with letters and Identifying information forwarded to the reporting agency, I was told that an investigation had been conducted, I then forwarded a certified letter to the agency asking what methods were used to verify the misinformation, needless to say I didn't receive a response. The amount of the stated debt is {$1800.00} and opened on XX/XX/XXXX.
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL COMMISION 'S IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

Tired of the harassment and emotional abuse I have repeatedly tried to fix this and have filed numerous complaints with CFPB and they are still harassing me. The statue of limitations is done did over with it is 4 years in the state of California.
Consumer complaint received 2018-12-05
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: AMERICAN EXPRESS COMPANY (GA)

I contacted American Express explaining to them that the American Express card listed on my credit report belonged to my company, not me. They informed me that it had been listed as a write off and turned over to a collection agency. They said there was nothing they could do. My company has been making payments each month for the past 6-7 months to the collection agency. 
The card was issued to XXXX XXXX XXXX with my name under the company XXXX XXXX XXXX XXXX. 
They said because when the application was made, I had to list my personal information, name, social security number that I was responsible for the account. The statement came to the company address each month with the company name. I will attach copies of them to this. They have refused to take the report off of my personal credit report and charge it off to the company. My wife and I are attempting to purchase a house and this is killing my credit.
Consumer complaint received 2018-04-09
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. (GA)

This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.
Consumer complaint received 2022-06-13
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 XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-04
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. (AL)

In accordance with the Fair Credit Reporting act 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 an Account without my written instructions.
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Ocwen is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

Please see attached letter dated XX/XX/2018. 

Ocwen has failed to deliver required foreclosure protections. 

Ocwen is using faulty information in the servicing of this mortgage loan.
Consumer complaint received 2022-05-04
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. (AL)

In accordance with the Fair Credit Reporting act 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 an Account without my written instructions.
Consumer complaint received 2018-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

We have had a continual struggle with the Dovenmuehl Mortgage servicing department regarding every payment that is being made since the inception of this refinanced loan. They consistently call after my uncle has made every payment and out of confusion, sometimes he's been tricked into making multiple payments ( he has early onset XXXX ). I have sent the entity a certified mailing months ago to set up the uto payment, we have spoken to them twice about it on the phone, YET, the collections department continue to call and send early default mailings. Please do call me at XXXX for additional information. thi si XXXX outright Elder abuse and I WILL sue the pants off this company. I am a XXXX XXXX XXXX, and I hve over 30 years inj XXXX  and XXXX. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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. (AL)

I have multiple inquires from XXXX of 2020- XXXX of 2020. That I have no knowledge or memory of nor of giving consent and need them to be removed from my credit report.
Consumer complaint received 2020-01-30
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. (OH)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX/XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items needaf to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-05-04
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (MA)

XX/XX/2021 {$4400.00} My account was freeze. 
Have been calling the security team for months, they send me XXXX  link but the links expired in minutes it wont let me capture my face for the selfie
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from Transunion, XXXX and XXXX and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each Agency made me disclose my entire social security number which should not be asked for. Transunion, XXXX, and XXXX could have requested the last four. 

Transunion, XXXX and XXXX have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
Transunion, XXXX and XXXX are also selling my private information with out my consent which is aggravated identity theft.
Consumer complaint received 2020-12-11
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've sent several letters to Transunion regarding questionable accounts that are being reported on my credit report. i've asked them on several occasions to show me proof that these accounts belong to me AND how were they verified as accurate. since the burden of proof falls on Transunion because they are reporting this as accurate, they've failed to provide me with such evidence. the accounts are : 1.XXXX XXXX 2. XXXX XXXX 3. XXXX 4.XXXX 5.XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (NC)

There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

There is incorrect personal information on my credit report. Please delete these incorrect personal information from my credit report. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy. 

Also according to 15 USC 6802 no financial institution is supposed to share my information to a third party 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. 

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect numbers : XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX IL XXXX Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Consumer complaint received 2020-12-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: FIRST PORTFOLIO SERVICING INC (AZ)

# 1. I declared chapter XXXX bankruptcy in XX/XX/XXXX and was granted bankruptcy by the court in XX/XX/XXXX. My private student loans for Peaks Private Loans were included in that bankruptcy. Peaks loans was notified by me of my bankruptcy and I'm sure the court as well. 

# 2. In XX/XX/XXXX, after receiving phone calls from Peaks, I informed my attorney, who contacted Peaks on my behalf to end their phone calls. It worked, at least temporary. 

# 3. I attended XXXX XXXX XXXX from XXXX to XXXX, graduating in XX/XX/XXXX. Even if my loans with Peaks were not wiped clean as part of my bankruptcy, in XXXX of XXXX the CFPB, 48 states and the District of Columbia ordered Peaks to " stop collection on and cancel all outstanding loans it owns relating to XXXX ; and request that the credit reporting bureaus delete all PEAKS entries '' ... 

Well they have not done either. I've already contacted my attorney again, but I'd like to file a formal complaint. These people have been harassing me for too long.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (NC)

I have a phony balance in the debt collection agency Aldous and Associates PLLC. I took up the phony amount in small claims court in XXXX and the magistrate dismissed the case. I spoke to an attorney after about appealing the decision but they let me know it wouldn't be a good idea. The attorney agreed that I was done wrong and that I had a case but it would be difficult to win. The first time this company contacted me was XXXX of 2021. At this time I told them I had an attorney involved in which they got the information for my attorney but never contacted them. Prior to the court date I requested in writing the amount that is in collections and it came after the court date happened. Since XX/XX/XXXX I have received 8 phone calls from them and they left voicemails 7 times. After the 8th call I decided to block the number from calling me. The last call before I blocked them was yesterday XX/XX/XXXX. The amount in collections is {$900.00}.
Consumer complaint received 2018-12-05
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (NY)

On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XXXX XXXX  at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Student loan servicer, MOHELA, has miscalculated payments towards qualifying me for public student loan forgiveness. They received my application towards PSLF and grossly miscalculated by having improper employment dates through a nonprofit organization. I worked for XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. MOHELA is calculating my employment end date as of XXXX, XXXX, XXXX. That's 7 years of employment history that's vanished!
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Card plan as late for any purpose.
Consumer complaint received 2022-06-13
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$20000.00}-
Consumer complaint received 2020-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

The day XX/XX/XXXX I trasnfered XXXX dollars to a person that used phishing and identity theaft trough XXXX  and XXXX, and I need to get the money back, I called CITI bank to get my money back and they said it is not possible
Consumer complaint received 2018-12-05
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (TN)

XX/XX/XXXX- $ XXXX-unathorized charges XX/XX/XXXX- $ XXXX-paid in full not removed from credit report XX/XX/XXXX- $ XXXX-unauthorized charges and will not contact me XX/XX/XXXX- $ XXXX- not my account/fraud activity XX/XX/XXXX- $ XXXX- not my account, I had another one and paid in full XX/XX/XXXX- $ XXXX- paid in full and not removed from credit report XX/XX/XXXX- {$880.00} account was in a plan and paid from bank draft every month until paid balance down and it showed that I was late 30-60 days and was not
Consumer complaint received 2022-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I see on my credit report that Credit Control Corp of XXXX XXXX, VA has put false and inaccurate information on my credit report. I have received nothing in writing from them about this " debt '' and when I check with XXXX XXXX XXXX, they say that I have a {$0.00} balance due. 

I reached out to this company and they are refusing to remove this false information from my credit report
Consumer complaint received 2022-05-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX and Out with a balance of {$23000.00}, XXXX XXXX XXXX with balances of {$240.00} and {$320.00}, and lastly XXXX XXXX XXXX with a balance of {$890.00} 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 an account without my written instructions.
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX I opened debit card and checking account in Bank of America. I put my money XXXX usd there through the cashier and ATM. 
XX/XX/XXXX my account was closed by Bank of America. And debit card was cancelled too. Since then I cant get my money back. Security service has finished all checks a long time ago. 
I call the bank every day. But bank employees constantly lie to me that your check was sent to you. But the check doesnt come. They say your funds are frozen. Now they said they sent me a check XX/XX/XXXX. Today already XXXX but my check didnt come. the bank asked me to wait another two weeks.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.