davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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. (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 items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2021-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Our score suddenly dropped so high with Transunion when we have a high score with the other 2. They explained in a way that non sense. It went back to the problem that was solved a long time ago. I asked why in a month dropped so low when I have a high score with XXXX and XXXX.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in XXXX XXXX XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. ()

ALL CREDIT BUREAUS THAT MY DAD PASS AWAY ON XX/XX/2008, THE ESTATE XXXX. XXXX XXXX XXXX, SEE ATTCHED.. WE ARE EXECUTORS OF THIS ESTATE EFFECTIVE XX/XX/2008.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC (NJ)

In XX/XX/XXXX My husband had emailed to MLD Mortgage Inc. that I had prepaid XX/XX/XXXX 1st & 2nd quarter real estate tax totaling {$11000.00} on XX/XX/XXXX. He had attached proof of payment in the email. He requested MLD Mortgage Inc. to refund the real estate tax that I had paid. He had never receive any response from tax department of MLD Mortgage Inc. He had also repeatedly made numerous phone calls to request for the refund, but nothing has been done. As of today, XX/XX/XXXX my escrow balance is over {$21000.00} ( it has been over {$11000.00} since XX/XX/XXXX ), and I still didn't receive the minimum {$11000.00} refund.
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C. (VA)

Since XXXX, XXXX has XXXX XXXX as collection agency for a lease for student housing in Virginia. 
I was a parent guarantor ; XXXX approved lease based on student enrollment and Financial Aid. Son withdrew before spring semester, moved out. XX/XX/XXXX. XXXX collections started, XXXX XXXX turned it over to Brett Borland Law Firm. All calls are redirected to Brett Borland and XXXX XXXX was said to be attorney of record and they provided his email. I have since XXXX, sent repeated requests to both agencies and original creditor, to provide the court orders and lease for the amount they are claiming is owed, as they are in violation of state law for landlord tenants. 
This has resulted in inaccurate information on credit reports for myself and my son, and directly affects my ability to obtain Parent Plus Loan as its a negative mark. 
The lack of accountability within XXXX individual locations and record keeping has kept them from providing the information. The names on the lease submitted to me by Borland contains an individual who has never lived at the location or attended the school. My son shared a 4 bedroom apartment with a single male and a married couple with an infant while attending XXXX at XXXX. 
I want the court order judgment. And for this to be removed immediately from all bureaus for myself and my dependent student.
Consumer complaint received 2018-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

In XX/XX/XXXX I checked my credit report and came across a delinquent credit card. I opened the credit card with the original creditor XXXX XXXX back in XXXX. I hadn't used it past XX/XX/XXXX /XX/XX/XXXX as I lost my job and started to short sell my house in that timeframe as well. This account eventually was charged off and purchased by Calvary Portforlio Services XX/XX/XXXX. I disputed with them in XX/XX/XXXX stating that it shouldn't be reporting due to the age of the account. Their response was that it was reporting accurately and will remain on my credit report for another 3 years. So does that mean that everytime 7 yrs approaches that I will owe it continuously. I have attempted to try to get this fixed by a couple of attorney offices to no avail. In XX/XX/XXXX I applied for a car loan with my credit union and was declined due to this reporting on all 3 of the credit bureaus. I purchased a vehicle XX/XX/XXXX at a APR of 11.9 % which was not the APR that I was hoping for.
Consumer complaint received 2020-08-26
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-01-07
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureau XXXX and Experian about the unverified info being reported from XXXX XXXX XXXX XXXX, Account number XXXX and XXXX XXXX XXXX  Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (MI)

I am a consumer of the United States Corporation. Affirm Inc has violated my rights to the FDCPA and the FCRA. I am a natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this to my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that I am the original creditor. How can anyone try to collect an alleged debt if they are not the original creditor. I am demanding that you update those alleged payment. I need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this I will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/XXXX.
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (AE)

Unknown amount charged from XXXX XXXX & illegal amount charged from XXXX XXXX XXXX. XXXX XXXX & my navy federal account was illegal closed. 
I have a illegal credit score. 
I am a victim of social engeering fraud & a victim of theft.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (FL)

Mercedes Benz XXXX and/or Mercedes Benz Financial regarding their failure to refund my Gap Insurance premium in accordance with applicable laws and codes regulating insurance in the state of Florida. 


I purchased a Gap Insurance policy from Mercedes Benz on XX/XX/year> when I financed the purchase of my vehicle. When I refinanced, I canceled the Gap Insurance policy on XX/XX/year>. Per the terms of the policy and Florida insurance regulations, I am entitled to a refund of the unearned premium.

Mercedes Benz 's failure to refund the unearned premium within a reasonable timeframe violates the following applicable laws and codes : 1. **Florida Statute 627.7283 ( 2 ) ** : This statute requires insurance companies to refund any unearned premiums promptly after the policy is canceled. Failure to do so is considered an unfair trade practice.

2. **Florida Administrative Code Rule 69O-186.013 ( 1 ) ( c ) ** : This regulation stipulates that insurers must refund any unearned premiums within 15 days after the effective date of cancellation or receipt of a written request, whichever is later.
Consumer complaint received 2018-07-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX, I finally received a copy of my TransUnion report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically TransUnion has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

Trans Union then would not allow me to dispute this and other inaccurate information contained in my credit report. TransUnion said I had to provide proper identification. 

To obtain said report I sent TransUnion a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

TransUnion refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against TransUnion and XXXX XXXX who reported this name in error in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX 's sent TransUnion several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both Trans Union and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against XXXX XXXX.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have disputed with Portfolio Recovery, on several different occasions. This alleged debt is NOT mine and it is ruining my credit profile and my good credit history. They have failed on SWEVERAL occasions to show proof and what I mean PROOF is a signed contract that I owe this company MY SIGNITURE. I DO NOT owe this company a dime and they have failed to deliver PROOF as REQUIRED.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (WI)

on XX/XX/XXXX a check from XXXX XXXX XXXX XXXX for XXXX was mistakenly sent to ally finanacial at XXXX XXXX XXXX XXXX kentucky they cashed the check even with wrong account number on it i sent letter with canceled check to them wanting my money refunded they refuse to answer me i consider this theft
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (NY)

As a consumer and natural person as define by 15 USC 1692a ( 3 ) my rights and privacy has been violated with numerous accounts on my consumer report that is in connection to identity theft and fraud. I immediately called Equifax and was informed I had to file a FTC report ( FTC # XXXX ) and sent it to Equifax via USPS, certified Mail # XXXX on XX/XX/2021. USPS confirmed my correspondence was received on XX/XX/2021. Equifax still has not removed the fraudulent accounts. They are violating me as a consumer and federal law by removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 5 days and the fraudulent accounts are still on my reporting. My score has dropped over 100 points due to this. Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 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. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of { {$1000.00} } per account being reported after the 4th day of receipt of my dispute. There are a total of 15 accounts illegally being report after receipt of my complaint, totaling { {$15000.00} }.
Consumer complaint received 2020-08-24
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. (NY)

i have notified Experian a few times that I am a victim of identity theft, and in return they keep sending me the same exact message, i have sent my FTC my social security card and identification numerous times also
Consumer complaint received 2022-09-14
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: TD BANK US HOLDING COMPANY (MA)

I had a XXXX retail card and i paid off the balance and asked if the insurance plan could be cancelled since I did not need it anymore. on XX/XX/2022 when I made the payment, my balance was {$11.00}. 
Three months later XX/XX/2022 I received a notification that TD Retail Card service reported a late payment on my credit report. I called them to take care of it and I provided a dispute form on faxed to the number on the dispute form on XX/XX/2022 and XX/XX/2022. They did not receive it. I then mailed via the post office another dispute form. I called on XX/XX/2022 and they said they received the dispute form and it was being review. I called today XX/XX/2022 and they said they just received it on XX/XX/2022. Now this will be reported again to the credit bureaus for the 3rd time and my credit score is taking a huge hit. They are reporting I am late paying late fees. I should not have any late fees. 
Please I hope you can help.
Consumer complaint received 2022-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (VA)

My auto loan company, Regional Acceptance Corporation, has my name spelled incorrectly in their account. 

I have been trying to contact the company through various channels multiple times during the past 1-2 years ( written, e-mail, phone ), to get it spelled correctly. 

However, the call never goes through to a person and only cycles me through automated responses, and e-mails and written letters have not led to any response from the company.
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (TN)

I purchased a vehicle XX/XX/XXXX in which Santander was the loan company with an interest rate of 24.9 %. I voluntarily told them to pick up the vehicle in XX/XX/XXXX because my loan payments were never applied correctly and my balance never went down. I would be paying $ XXXX for a car worth $ XXXX. It took months for them to finally pick up the car and then they lied on my credit report saying it was an involuntary repossession. They balance due after them selling the car was around $ 7K. They have continued to put an additional amount on my credit report every month since XX/XX/XXXX, between {$400.00} - {$500.00} at a time. It has hurt my credit as it is the only negative item I have. On my credit report, it says it's a closed account however, the keep adding money to my credit report every month. I am unable to refinance my current car loan or even trade in my current car because of this nonsense. Today, my credit report says the NEGATIVE ACCOUNT WILL STAY ON MY CREDIT UNTIL XX/XX/XXXX. How is this even legal?
Consumer complaint received 2024-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc. (CA)

accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name FST FINANCIAL RESOURCES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX, has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (NY)

On XXXX 2015 and XXXX 2015, I paid my mortgage but Seterus is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NV)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (PA)

Card issuer does not offer an option to enroll in automatic payments. I 'm not sure they even notify me about account balances. My credit has suffered as a result, because a few payments have been delayed. This is the PayPal Extra XXXX Mastercard associated with XXXX. I believe it 's through Synchrony Bank.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MS)

XXXX XXXX XXXX I owe {$520.00} for a canceled contract on XX/XX/XXXX. The contract was canceled because XXXX could not receive a signal for their services at my location. I had a technician try multiple times to resolve the issue. When he couldnt, because of my location, he said there was nothing he could do and I should cancel my contract. I have sent multiple letters to XXXX and 3 other debt collection agencies represented by XXXX disputing the debt. Each time I contact a debt collector they say XXXX recalled the debt and I need to contact XXXX. The last debt collection agency I contacted was Convergent, I spoke with XXXX XXXX. The last person at XXXX I talked to was XXXX ( employee number XXXX ). She is XXXX XXXX Senior Account XXXX. I disputed the debt with both XXXX and XXXX on the telephone on XX/XX/XXXX because both said they had not received a letter stating I disputed the debtXXXX XXXX is saying I did not give them enough time to resolve the issue but the technician was not putting all the information about appointments on file. I sent all hardware I obtained back to XXXX.