davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2020-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (LA)

All I want to say in this complaint is that Ford Motor Credit Company is in fact, acting against my consumer rights, and I want them to do the right thing. I have been damaged emotionally and financially because of their acts. 

The account involved is the following : Account # XXXX Date opened : XX/XX/2012 Original balance : {$28000.00} The reason why I state that this company has been acting against my rights is because they have been doing the following : - Reporting inconsistences across bureaus. 
- Failing to provide fair customer service. 
- Wrongful and dishonest practices. 
- Break of contract I will attache some documentation so you can send it to Ford. 

Thank you for the existence of this portal. I hope to get a fair solution to this matter soon. 

XXXX XXXX Best!
Consumer complaint received 2020-04-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2018-07-04
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

i plead with you to please reconsider your decision, if you cant temporary suppress or remove it ... then can you at least guarantee ; that if i find a way to pay this account in full before hand that you'll remove or suppress the trade-line from the 4 CRAs you report to.. its not like your guys havent already wrote this debt off for tax purposes. we have to come to some sort of arrangement. i honesty dont care how long it takes, i will continue to dispute this matter until XX/XX/2023 if thats what it takes.. the car has already been repoed and sold.. please i know theres somebody on the other side of this message who can work with me.. Again please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. and again I believe it serves both of our interests. You want my money, and I want to give it to you so I can fix my credit and help my mom out. Please. Your kind consideration in this matter is greatly appreciated. 
Best Regards XXXX XXXX XXXX
Consumer complaint received 2020-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Against : Mr. Cooper Mortgage Service XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX Follow Up Complaint : This is a follow-up case update, that your office has requested. So as to stay involved in this matter. Mr. Cooper Mortgage Service has employed unfairness and deceptive practices, including fraud in the modification review process. Mr. Cooper sent a letter on XX/XX/XXXX, indicating that they had received an application for modification and supporting supplement documentation from us. Contrary to the letter our package was faxed to Mr. Cooper attorney nine days later on XXXX XXXX, with confirmed receipt. Mr. Cooper lawyers said that they will forward the package to Mr. Cooper, which is two days before Mr. Cooper sent a determination letter. Mr. Cooper sent a determination letter based on documents they have not received nor reviewed. Please see the attached letter. With this being said I wonder if my case is an individual case or systematic unfair and deceptive practice. Since Mr. Cooper is not a stranger to the scrutiny of this nature, we are requesting for modification with principal reduction. Mr. Cooper is wanting for foreclosure of {$960000.00}, while the property value is only {$310000.00} per current appraisal. 

The original loan in XXXX was {$400000.00}. The bank wants to foreclose the mortgage to the amount of {$900000.00}. That is for a tax write off for the bank. The Loan was declared a predatory loan by the judge. The interest rate has adjusted up to 14 %. 

Mr. Cooper scheduled XX/XX/XXXX, as our Law Day. We are requesting your intervention on our behalf. We need to stop Mr. Cooper 's actions. Mr. Cooper needs to explain why they have not followed through with their promise to review our loan for modification. We have the financial qualification for a loan modification. Both I and my wife have been in our current jobs for over seven years. ( Please see a motion to open judgment and extend law date by the bank Mr. CooperXXXXXXXX XXXX. You can see that the bank has used the delay tactic for deception and manipulation to their advantage. Please read Mr. CooperXXXX XXXX  motion to open judgment and extend the law date to XX/XX/XXXX. The court document stated that the bank wanted to reopen the judgment and extend the law date to pursue a modification review workout. They never followed through and requested any documents from us. 

In hope that your office will take action to stop the short sale, and make the bank offer us a modification consideration. We thank your office in anticipation. 

Sincerely, XXXX & XXXX XXXX
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (PA)

A company from American Express has been calling me on my cell and my home phone number repeatedly every day to collect a payment. I do not have money I recently lost my husband and I have just enough money to live by and pay whatever medical bills I have. I live paycheck to paycheck and I ca n't afford the money they want they keep on requesting a big amount. To make it worse they outsource to XXXX and you always have a XXXX talking to you and you ca n't understand them half the time. This gentleman made me very upset and down. Please help me to stop calling me or get a American talk to me
Consumer complaint received 2020-08-23
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)

I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE.

FIX THIS. NOW. 

XXXX
Consumer complaint received 2022-09-14
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION IS REPORTING MANY INACCURACIES AND FALSE INFORMATION ON THIS ACCOUNT. I HAVE DISPUTED THIS MANY, MANY TIMES. 
TRANSUNION IS INACCURATELY REPORTING THE " DATE OPENED DATE '' AS XX/XX/XXXX. 
XXXX IS REPORTING A DIFFERENT " DATE OPENED DATE '' OF XX/XX/XXXX. XXXX IS NOT REPORTING THIS ABOVE ACCOUNT AT ALL. 
TRANSUNION IS REPORTING A " HIGH CREDIT '' OF {$840.00} XXXX IS REPORTING A DIFFERENT " HIGH CREDIT '' AMOUNT OF {$500.00} XXXX IS NOT REPORTING THIS ACCOUNT AT ALL. 
TRANSUNION IS REPORTING A " DATE LAST ACTIVE '' AS XX/XX/XXXX EVEN THOUGH THEY SENT ME INVESTIGATION RESULT IN RESPONSE TO MY DISPUTE ON XX/XX/XXXX. 
TRANSUNION CLAIMED THIS ACCOUNT WAS VERFIED, BUT THE " DATE LAST ACTIVE '' HAS NOT CHANGED SINCE XXXX? THAT IS A CLEAR VIOLATION. 
THIS INVALID ACCOUNT DOES NOT MATCH MY ADDRESS REPORTED ON MY TRANSUNION REPORT. 
WAY TOO MANY INACCURACCIES AND DISCREPANCIES ON THIS ACCOUNT. 
( SEE ATTACHED PROOF ) THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY BY TRANSUNION.
Consumer complaint received 2020-08-23
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 (CA)

Sent the following information to Capital One and XXXX on XX/XX/2020. 
Police Report. Notarized Statement. State Identification. Social Security Card. 

Both companies are willfully reporting these items to my credit and refusing to remove them although they have been made aware of the identity theft.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

This company has appeared on all three of my credit profiles, XXXX, XXXX, and XXXX. One account shows it as a open revolving account and the other two show it as a charge off account. I  reached out to this company and asked if they could provide a bill, as well as dates for this and they have not. The account says opened in XXXX of 2013. The credit reporting agencies verified this as accurate, but how when this company has not been able to provide me any proof of this account. I am hoping to get this resolved quickly.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion has changed my primary name back to a previous married name that is over 10 years old ( XXXX XXXX ). I opened an account in XX/XX/XXXX and my name was correct at the time. I have called their dispute number and they told me that it changes back because of creditors. The ones they read off to me are from XX/XX/XXXX. My current name even shows in my report as my AKA name multiple times ( XXXX XXXX ). They want me to mail in a copy of my social security card and driver 's license. I do not feel safe sending that through the mail considering how many times I have experienced identity theft. I have requested a way to fax or email the information and they will not do it. Why do I keep having to prove who I am every year or so? Why is it so easy for OLD information to change my file but not me?? I ordered a credit report 3 weeks ago that shows my correct name and address. Now Transunion has an address from 13 years ago and a name from 10 years ago as my CURRENT information. The customer service rep couldn't even pronounce my name because she is in another country! Why is my personal information being handled by someone in XXXX?
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I had opened up   a Citi checking account in  XX/XX/XXXX  for a {$300.00} opening promotion. After fulfilling the terms of the promotion Citibank refuses to honor it.
<P/>  The offer had the following requirements to receive the {$300.00} bonus : Open a new eligible consumer checking account in T he Citibank Account Package between  X/XX/17 ?  X/XX/17  a nd complete the following withi n forty-five ( 45 ) da ys of opening your account : - Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existin g Citibank Savings Plus Account or Citi Savings Account ( completed on  XX/XX/2017  ) -  Maintain a minimum balance of {$15000.00} for  thirty ( 30 ) consecutive calendar days following the date when you made your qualifying deposit. ( completed on  XX/XX/2017  ) AND - Complete 1 qualifying Direct Deposit to the new checking account or make 1 or more qualifying purchase transactions with your Citibank Banking Card totaling {$250.00} or more ( completed  on   XXXX   )
Consumer complaint received 2017-08-01
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. (NV)

Hello, It appears that the credit bureau is still reporting account listed as XXXX XXXX ( XXXX XXXX ) as open. Account has a XXXX a balance and company agreed and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: Northland Group Inc (CA)

Due to XXXX XXXX action. This Debt Collector Company Northland Group started to make a collection activity on account I have with XXXX XXXX Credit Card as in the letter shows I 'm disputing the letter sent on XXXX XXXX because is not the actual balance I owe to XXXX XXXX credit card. Further more I 'm requesting thru this Inquired to provided the transactions took place on this account and how they get to {$470.00}. 
Please explain me the following : * What the money you say I owe is for. 
*Explain and show me how you calculated what you say I owe. 
*Provide me with copies of any papers that show I agreed to pay what you say I owe. 
*Provide a verification of validity of the debt ( per statue of limitations ) or provide me a copy of any judgment ( If applicable ). 
*Provide with the name address and reference number of any other collection company or collector that this matter has been assigned to. 
Be advised that im fully aware of my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 
I would like the CFPB request this collector agency the items above I request to validate the debt.
Consumer complaint received 2015-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Nguyen Law Firm, PLC (VA)

Debt was paid in XX/XX/XXXX the month it occurred, but keep getting bills and now from Collection agency. Now saying that I showed proof after the bill was sent to Collection Agency. the bill was paid in XX/XX/XXXX and received a notice from Collection Agency in XX/XX/XXXX.
Consumer complaint received 2022-09-14
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I closed on my XX/XX/XXXX. I have paid my mortgage if {$1500.00} Every month, which includes home owners insurance. I added flood insurance shortly after I closed on my home. my mortgage started out with being with XXXX, but shortly after switched to US BANK. My AC went out on Friday XX/XX/XXXX. I had to get a brand new XXXX unit, and that was installed Saturday XX/XX/XXXX. I called my insurance company to see if they would cover, they stated that I have not had insurance since XXXX of this year. They said due to adding floor insurance, there was a difference in pay. Also, they still had XXXX Mortgage as my mortgage company, not US BANK. So my questions were, why wasnt the floor insurance amount added to my payment? Why didnt US BANK notify my insurance company the change in mortgage, and where is my money going that I have been paying for every ruby month? 
Because the payment hasnt been paid since XXXX, ( XXXX dont know why XXXX, as I added flood insurance Months before that. ) the insurance company will not relapse my policy, and will have to get a brand new one. There has been zero communication from US BANK on this. I have called and spoke to insurance company XXXX XXXX and XXXX XXXX.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried to dispute some of my student loan accounts with TransUnion several times and they have refused to take action. I 've contacted the  Creditor several times and they have confirmed verbally and in writing that my accounts are not delinquent. The Creditor has also contacted TransUnion to inform them th at their information is inaccurate. This has been done electronically, by phone, and in writing and still TransUnion has failed to act.
Consumer complaint received 2018-07-03
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: Experian Information Solutions Inc. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau FCTUALDATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FCTUALDATA XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX FCTUALDATA XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FACTUAL DATA XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian RENTAL PROPERTY XXXX XX/XX/XXXX Experian RENTAL PROPERTY XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  I need those hard inquiries removed from my credit report.
Consumer complaint received 2022-09-14
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. (CA)

For several years I have asked the XXXX and XXXXXXXX XXXX  to verify the debt that is on my credit report. I have sent numerous letters and no one and send me a contract with my wet ink signature from these institutions. I have always mailed my letters to both the creditors listed above, and the big 3 credit bureaus, XXXX, EquiFax and XXXX XXXX. Mostly I called yesterday XX/XX/22 at around XXXX PST and had a lengthy discussion with XXXX in XXXX XXXX. She was not able to verify or articulate how these accounts, that I have been disputing for years, were verified. I ask her to provided me with the same instructions I have asked the creditors, to provide me with a contract with my wet signature on it and they have never produce it. 

XXXX {$15000.00} -Acct # XXXX XXXX {$4700.00} -Acct # XXXX XXXX {$5100.00} -Acct # XXXX
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

This account was opened in my name without my authorization. I don't recognize the reported account. This is a request for the account to be deleted from XXXX XXXX XXXX XXXX. I asked TD Bank to validate with a contract for proof of signature, this doesn't exist. 

TD Bank determined this isnt mine but as it was opened in 2013 they say I need to dispute with the bureaus to remove it, which doesn't work. This charge-off continues to be reported by TD Bank on my credit reports.