davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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. (FL)

Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,JXXXX XXXX XXXX  DOB: XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2023-03-16
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 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 or 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 2019-08-30
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. (UT)

Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. Thank you.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX, my home was approved for a short sale; the sale was completed on XX/XX/XXXX. In XX/XX/XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed.I spoke with Bank of America, who said they couldn't correct the error because I was no longer a customer.I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from Bank of America stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on my credit report.
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-12-19
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. (VA)

Hello. I received an unauthorized inquire form XXXX XXXX on XX/XX/2018. As soon as I saw the alert, I called XXXX and they stated that they would send a form to Transunion to have it deleted. I contacted XXXX XXXX again on XX/XX/2018 because the fraudulent inquiry was not removed. They said it would take up to 120 days. I called XXXX XXXX in XXXX and they stated they sent the forms to Transunion to have the fraudulent inquiry removed. I called Transunion and they said they do not have them.. I called Transunion again the week of XX/XX/2018 and stated they still had received nothing. I called XXXX XXXX again the same day and they said it was sent twice to Transunion to have the fraudulent inquiry removed. I decided to wait another week or so. I called Transunion again today, XX/XX/2018 and the representative said they are opening up a " dispute '' case and they have some information about the fraudulent inquiry in their notes. I am still not sure if they have the actual paperwork from XXXX XXXX or not. This is not a dispute case. I would never apply for a XXXX XXXX phone. Ever. I am in the process of fixing my credit and this is a huge disappointment and set back. I asked the representative at Transunion why is it an investigation? XXXX has already done that. You are just supposed to delete it according to XXXX XXXX Fraud Department. His only answer was to wait for a response in the mail in 2 weeks. I need to know if XXXX actuall sent any information about removing the inquire to Transunion and if Transunion actually has it. I also am requesting for that fraudulent inquiry to be deleted not investigated a second time. XXXX said it was an application done online. Both XXXX and Transunion have my mailing address and I know it is not the one on that fraudulent application.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

This company appears to be maximizing interest and fees charged to their customers by creating challenging payment terms. I enrolled in auto pay but choose to make additional principle payments. To make a principle payment on-line, a {$7.00} charge is assessed. To avoid this fee, I have attempted to mail payments to this company. Even though the checks are clearly marked " Principle Only Payment ( and my account number ) ''. the payment is not handled properly and they " suspend '' payments and monies do not roll into principle even when auto pay is processed. The other MAJOR issue is a payment mailed on XXXX/XXXX/XXXX was not posted until XXXX/XXXX/XXXX. 10 days to mail to a collection box is ridiculous and my feeling is that this type of payment is being held until regular payments are processed. I have tried reaching out to them for a remedy but have not received a call back.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US) (AK)

A letter was sent to my home, alleging to be a collection agency for a debt to eBay. The letter was addressed to my maiden name, which I have not used since before eBay existed. An internet search of the telephone number listed in the letter revealed that this is most likely a scam and should not be trusted.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX is very rude and disrespectful they dont follow rules at all. They claim they never received my letters of proof from you guys or me.
Consumer complaint received 2022-03-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Constar Financial Services, LLC (IN)

XXXX XXXX XXXX XXXX XXXX fraudulently reported and sold a debt of a closed and fully paid off account resulting in undue stress and hardship. Lease was paid in full XX/XX/2020. XXXX showed unprofessional and unethical behavior by trying to charge me for fraudulent and untrue claims of poor vehicle condition upon lease return. They requested payment for " internal melted headlights '' and micro scratches. Of note XXXX held and paid a service contract on this vehicle because it was a XXXX vehicle and had strict service requirements. Despite being serviced by XXXX several times the headlights were never found to be a problem and were in perfect working order. Also of note the vehicle was returned in excellent mechanical and cosmetic order. I contested any and all claims for poor condition. XXXX did wave the requested fee for the headlights and stated theose were due to design flaw on the vehicle but refused to waive the fee for the " micro scratches ''. Of note lease law and contracts does allow expected wear and tear on a leased vehicle, it does not allow abuse to the vehicle or damage as the result of abuse. How a car can be driven for years and not have a micro scratch is not possible and also hints to likely very large and ongoing consumer scam by XXXX to defraud the consumer out of funds at the end of a lease. XXXX illegally and fraudulently reported and sold a paid off debt to Constar Financial Services , llc. resulting in undue stress and hardship on me. I am sure XXXX has done this to others and it needs to stop.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX 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 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to Transunion, XXXX and XXXX trying to resolve the inaccurate information on my consumer report. This has caused alot of hardship in me trying to buy new home also stopping me from getting approve for new credit cards.
Consumer complaint received 2015-11-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received a call today ( XXXX @ XXXX ) from XXXX stating that I have a debt XXXX, I did n't immediately remember but I felt as if I paid it off already. Nonetheless the lady by the name of " XXXX XXXX '' with XXXX Law firm ( I could not find this anywhere online nor XXXX in XXXX AZ she gave me ) asked for credit card info today and if they did n't get it I was going to be sued and sent to court .Then when requested some type of " verification '' of debt, she hung up.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KS)

Springleaf has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (SC)

I was called by Discover card on XXXX that I had an overdue account for over {$800.00}, and payment was due. I learned that an account had been opened in my name using my SSN, DOB, former home address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ), XXXX XXXX. I notified the XXXX County Sheriff 's office, my case number : XXXX. I received and completed an " Affidavit of Identify Theft Report '' with Discover card. I notified XXXX and XXXX. Upon a review of my credit report ; I discovered an address of which I have never lived : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I filed a correction with XXXX. Discover card reported that " I '' had notified them of this address change after the account was opened and there were charges. 
1 ) In their itemized charges there was a " phone payment '' made on this account dated XXXX/XXXX/XXXX {$11000.00} ; I can not provide any evidence that any payment was made by any account of mine at that time. 
2 ) There is also a listing of over XXXX charges ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ), all but XXXX with the following transaction description " XXXX XXXX XXXX ''. Charges range from {$3.00} - {$79.00}. 
3 ) Last evening, I received a letter from Discover card that there is insufficient evidence of identity theft, and that a new account has been opened in my name and I am responsible for all charges.
Consumer complaint received 2018-09-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Around XX/XX/XXXX I was in negotiating a loan Modification with then Bank of America who claims to be the refinancing junior lender. However, Bank of America was alleged to be a predatory lender in XXXX by another Mortgage lender. At the time I was currently already on a loan Modification with the senior lender in XX/XX/XXXX. The senior lender Payments was about a thousand dollars a month. Bank of America loan Modification would have been about a thousand dollars which was too much, being that I was already underwater on the house and I'm on a fixed Income. However while in negotiations with Bank of America, who continued to give me the runaround regarding the loan Modification. I spoke to 7 different people at Bank Of America who  just wanted me to send all my personal information, but never returned my phone calls and letters regarding the loan Modification. Then on XX/XX/XXXX a foreclosure was filed on the home. But the plaintiff that filed foreclosure on XX/XX/XXXX was another bank not Bank of America. On XX/XX/XXXX foreclosure stated that I received a SUMMONS SERVED BY SPECIAL. PROCESS SERVER which was false. The XXXX was served to my father in New Orleans in XX/XX/XXXX not XX/XX/XXXX. I found out about the summons when I visited New Orleans during XXXX XXXX from my father. My first court appearance was in XX/XX/XXXX almost a year later after the foreclosure was filed. I continued to go to court on the case as I was still surprised by the whole ordeal being that I was still in negotiations with Bank of America a year prior regarding the loan Modification. On XX/XX/XXXX I went to court and the Judge alleged to have sign off on the Order Of Possession that day, the judge told me that I had 30 days to move out. I was shocked by this as I asked the Judge to give me sometime to figure this out. Plus I'm was a XXXX Veteran. So the judge said 60 days. Now I come to find out that Bank of America does not own the home. This was confirmed on or around XX/XX/XXXX. I still occupy my single family home as the current owner. Bank of America has continued to avoid answering any of my complaints after several attempts, and has not given an answer to any of my complaint as well. However Bank Of America keep sending unknown people to harass me and my family to fraudulently take my home.
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: Experian Information Solutions Inc. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-06-09
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: T.S. Holdings (CA)

In XXXX of 2020 I went to court for an unlawful detainer/eviction case against my landlord. I lived in XXXX XXXX XXXX and it is owned by XXXX XXXX XXXX. Long story short, we both agreed on an amount due and also to have my case be sealed and not to reflect my credit report. The amount agreed upon was {$5500.00}, including the lawyer fee. In XXXX of 2020 a representative from IQ international data reached out and told me I had a debt owed to XXXX XXXX XXXX for {$12000.00}. I let the representative know that I had documentation from the court stating it was not supposed to reflect my credit report. After about a hour had passed with arguing with several of International IQ Datas employees, nothing was resolved. They told me the debt was valid and the amount owed was the correct amount. 

I reached out to the courthouse I had my trial at on numerous occasions, and each time I was assured that this debt was not supposed to reflect my credit report. They told me to dispute it with credit reports and upload the documents I had from my trial. I called down to XXXX and spoke to someone from their customer service department about my situation. They brought to my attention a factor on why there was nothing they do on their end. On my court documents the plaintiff is titled XXXX XXXX XXXX. On my actual credit report it was titled IQ international Data/XXXX XXXX XXXX. I let the representative know that it was indeed the same entity. He then told me again there was not anything he could do unless the names matched exactly.
Consumer complaint received 2019-08-30
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: Conn's, Inc. (TX)

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Consumer complaint received 2019-08-30
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: EQUIFAX, INC. (UT)

Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. Thank you.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!