davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (AZ)

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. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$43000.00}
Consumer complaint received 2022-08-18
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. (AZ)

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. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$43000.00}
Consumer complaint received 2019-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (LA)

Collection Agency is trying to collect on a debt that has already been paid in full by Medicaid, the contract ended/was cancelled once it was paid, but yet the agency is still trying to collect a debt that I DO NO OWE THEM, I never entered into a contract with this agency, I haven't received any notification or documentation bearing my signature tying me to this debt, the agency never stated or sent any letters ( dunning ) stating I owe or they were going to put this on my credit report and give me a negative mark,!! I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY..
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

Ocwen has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XX/XX/XXXX,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. Ocwen waited for two full years before contacting me about the loan even though I sent a complaint to Ocwen within weeks of the transfer notice. Ocwen has admitted in a CFPB complaint that the company did not comply with the reaffirmation agreement until XXXX that was 2 years after the company began servicing the loan. From XX/XX/XXXX until the loan was adjusted Ocwen failed to stay in contact with the debtor allowing the loan to go further in debt making a greater hardship on the debtor. XXXX XXXX XXXX now has came forth and is wanting to remedy the loan and make the debtor whole again.
Consumer complaint received 2022-08-18
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)

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 Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}, and XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. 

According to FCRA Section 605B ( 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 2022-08-18
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of 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. 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. 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 XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CO)

Care Credit/Synchrony Bank card is a card that allows you to pay interest free for a specific amount of time depending on the amount of the transaction. 

These are called promotional balances. When you make a payment, Synchrony applies your payment in an algorithm to Promotional purchases and then to either expired promotional balances incurring interest or balances too small to fall under the interest free guideline. 

Synchrony does not provide on their statements how your payments are distributed to the aforementioned items. This was confirmed by a customer service representative while attempting to resolve this issue. 

The issue began on XX/XX/XXXX when we made our first call to Synchrony to request to pay off all interest bearing items and non-promotional purchase items. We were told this amount was {$2300.00} ( the total balance of our card at this time was {$3700.00} ). 

We paid the amount of {$2300.00} which we were told paid off ALL Interest bearing charges leaving only " promotional items '' that were not incurring interest. 

Upon receiving our following statement in XXXX, we noticed interest was still being charged on purchases when only non-interest items should have been on the statement. We called to question this and were told on XXXX that the original representative we spoke to on XX/XX/XXXX had " applied our payment incorrectly '' and that they could see that in the history. We were told that they would research and reallocate the funds properly. 

The following month we noticed 2 things : - The statement showed on XXXX a tremendous amount of charges, credits, or payments that made no sense. There was no detail or explanation as to what they were doing. 
- It still showed interest bearing items being billed which means that they had still not corrected the error. 

We have attempted to reconcile this monthly from XX/XX/XXXX to the current date of XX/XX/XXXX. 

We have never seen, despite requesting in almost every phone call, a detailed description or synopsis of how our original payment and any subsequent payments after that have been applied. 

As a result of not knowing what our true balance is due to incorrectly applied payments, we are questioning our balance for every billing cycle after XX/XX/XXXX. 

We request a detailed summary from Synchrony of all applications of payments, fees, charges, interest accrued, and any other attempts by Synchrony to make alterations to our account dating back to XX/XX/XXXX. 

We are prepared to pay almost our entire balance at this time, however, since we do not have any confidence that Synchrony is accurately reflecting our balance. 

We are sending a certified mail a formal dispute to Synchrony as well on XX/XX/XXXX
Consumer complaint received 2019-09-17
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Law Offices of Jeffrey Nadel (MD)

My complaint is that I am a victim of XXXX XXXX XXXX Great Foreclosure Fraud, with the Order to Docket suit to foreclosure on my property. by the following Plaintiff. 
XXXX XXXX, XXXX XXXX, Civil No. XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Plaintiff A copy of the Order to Docket suit is attached to this complaint. 

I have lived in the property for 22 years and have been fighting this corruption and fraud since 2006 when the mortgage documents were presented to me. 
I have detailed the truth in such scandalizing description highlighting the corruption, fraud and intentional deception perpetrated on the American homeowners, Maryland 's Civil Court, and myself by XXXX XXXX banksters, Loan Servicing Companies such as XXXX XXXX XXXX XXXX, and the Plaintiff in my Motion to Dismiss Order to Docket suit with Prejudice as attached with this compliant to CFPB. 

With my Motion to Dismiss Order to Docket suit with Prejudice, I identify those parties, challenge assignments or transfer of a mortgage note and of deed of trust by a pool performance of my Mortgage loan securitization documents. With my motion I take to force each party to prove a chain of assignment and their legal standing to collect payments and foreclose on my property.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

Over the XXXX holiday my Amex Serve card was hacked. I lost a total of {$250.00} since my debit card was linked to this serve card the hackers were able to transfer {$110.00} dollars to the serve card. I had my card in possession. I received a text from my bank of unusual activity so I checked my emails. I got a string of Amex Serve card confirmation emails which I did not authorize. I've never used my Serve card until I made a purchase at a XXXX after that transaction it snowballed from there. I called Amex Serve to report it my account information was changed they gave me a number to call the next morning to the Fraud department a claim was filed. After a week or so I received the determination of the investigation to be generic valid authorized transactions. I call backed customer service to complain after another week I received the same answer from the first investigation. In order for me to get the information what concluded the determination to be valid I need to write a letter to the company. I ended up closing my account out of frustration. Now my account has a negative balance of a {$100.00} in fees. As soon as I received the alert from my bank the next day I called ordered a replacement card and filed a dispute. On the Amex Serve end I was speaking with a customer service representative which I had to change my email address and password.
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (MA)

How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported:XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-08-18
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. (CA)

On XX/XX/XXXX and XX/XX/XXXX, I sent Experian and XXXX dispute letters via certified mail, requesting the organization to update my personal information to reflect the accurate spelling of my name, address, telephone number, and employment. I also requested the removal of any duplicate personal information. In addition to my initial request, I asked for the XXXX organizations to send an updated copy of my credit report reflecting the changes I requested. As a result, Experian and XXXX ignored my request. They did not make the changes to my credit report even after sending a copy of my driver 's license, which displays my current address and correct spelling of my name. Also, they failed to send a copy of my credit report after I requested. 

Certified Mail Receipt number : XXXX
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I opted out of any solicitations and XXXX  sold my info behind my back to XXXX XXXX. I had no idea how that happened but reported XXXX to the XXXX XXXX XXXX Then I received a report from XXXX recently and see listed on it where they sold my info even though they show I OPTED OUT of any solicitations! I'm furious! The next time they sell my info I will sue them. I have it in black and white!
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Requested my 3 credit reports through the web page XXXX XXXX XXXX   Online, but EQUIFAX after responding all the correct questions, they denied it to provide my credit report online.