davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM EXPERIAN, XXXX  AND XXXX
Consumer complaint received 2018-02-06
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. (NY)

I am able to get al my credit reports and information except Equifax. They say they are unable to recognize my social security number and have given me a lot of incorrect information. 
They won't assist me in fixing despite me explaining I've had 2 credit cards reporting my payments to them and having a 3 year old SSN.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (PA)

We refinanced with United Wholesale Mortgage in XXXX. We closed on XX/XX/XXXX, and signed a document that stated we were not in a flood zone. However, the second paragraph stated that if something changes, UWM can require flood insurance. On XX/XX/XXXX, we received correspondence stating that we were now required to purchase flood insurance. We have lived here for 11 years and never been required to purchase flood insurance, so I called and asked why and what had changed. They stated FEMA is saying we live in a flood zone. I have a survey of my property that was done when the lots were split and it shows that I am not in a flood zone. There is a stream running through my property, however my house is elevated and back from the flood zone. I have asked on three occasions to get the documents the company used before closing and the document that supports the change after closing. I have received nothing but the document I signed at closing. My last call, the rep stated that my survey was not in my file ( I submitted it during the refinance ) and I should upload it to the company webpage and she would send an email explaining the submission of the survey. This was yesterday the XXXX of XXXX, then I received an email telling me that my submission was insufficient or inaccurate, and I should call. When I called today the XXXX of XXXX because of the email I received, I was told to submit the documents again and she would send another email. I am getting the run around, this refi that was suppose to save me money has now cost me over {$2000.00} in flood insurance as well as an additional {$680.00} that UWM charged me for a lapse in coverage that I don't need! And that money went directly to them! I am not able to speak to anyone except the front line call center who can not help me and who several have been really rude. I have repeatedly asked to speak to a supervisor or someone in the insurance department and I have been told that is not possible. I am beyond frustrated, and because this happened I went and read reviews on the company, there are numerous bad reviews for the same exact reason of having to purchase flood insurance. There is definitely a pattern. If I had known that I would be forced to buy flood insurance, I would not have refinanced my mortgage. In addition I have contacted FEMA and was told that a survey of a property should be sufficient to provide to the mortgage company. I have attached a copy of the scanned survey, it is divided into 8 pages due to its size.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputing the validity of this account from XXXX XXXX  XXXX. the account is hindering me from obtaining new credit. ive been denied several times because of this account. this account has been written off on XXXX XXXX XXXX  books as a business write off. per the IRS publication 4681 this is now icon on my end. so if this is considered to be income for mw than why is being reported. my pay check isn't being reported so why this. I have to pay taxes on it and it's still reporting thats fraud on behalf of the furnisher XXXX XXXX XXXX. this also is a violation go y consumer right. 


Transunion, XXXX, & XXXX have all violated my rights according to 15 usc 1681e and 15 usc 1691 I. please deleted this repossession of off my credit Ive given the car back come on guys what's up with all the fraud going on. this is secures fraud at its finest.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (DE)

Security credit services XXXX XXXX XXXX, XXXX XXXX XXXX to ( XXXX ) XXXX has been sending me collection notices in the amount of {$1000.00} assigned date XX/XX/2017 the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-03-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities  claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Consumer complaint received 2021-07-10
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. (NJ)

I am a victim of identity theft .There are inquires showing on my credit report that I did not authorize. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC (IN)

I first received a call from another number associated with " capital link management '' on XX/XX/2021 it was XXXX XXXX XXXX. No message was left and i only found out who it supposedly belonged to via an intensive internet search. A compliant was filed with the XXXX regarding this and this company agreed to only contact me via mail as i requested on XX/XX/2021. However, this same company called at XXXX using a different number XXXX XXXX XXXX. This time an actual message was left with no identifying information as to who they were nor that they were collecting a debt. However, they did give an ultimatum that if i didnt call back by close of business that day, i would be marked as non compliant. Not only was this second call a direct violation of the agreement with the XXXX. The tactic is in direct violation of many fdcpa laws.
Consumer complaint received 2021-07-10
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. (TX)

My car was broken into and the thief took all of my wallet with all my identification information. Now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2022-09-09
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. (IA)

I wrote XXXX XXXX XXXX  due to an inquiry on my Transunion Credit Report that I DIDN'T AUTHORIZE. I asked that the inquiry be removed. I now have my attorney involved as well. It is illegal and unlawful, according to FDCPA for a company to do this. They are reporting inaccurate information on my credit fileXXXX XXXX XXXX XXXX is a LOW GRADE CREDIT CARD COMPANY. I WOULD NEVER APPLY FOR A CARD LIKE THIS! I have an established PIN number through the IRS that is required for anyone to pull my credit!
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (MI)

I provided proof that this company with the account number XXXX was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Equifax Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 

( XXXX XXXX : ) XXXX Balance : {$0.00}
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 i contacted XXXX XXXX car loan company and XXXX XXXX XXXX to ask about a account that was open in my name XXXX account number XXXX and XXXX XXXX XXXX account number XXXX i asked them why this was reporting under my name when i did not authorize these accounts to be open in my name. i never gave them authorization to do so with my personal information. there contacted number is XXXX XXXX and XXXX XXXX XXXX XXXX i also contacted Experian, XXXX and XXXX regarding this matter with no resolution.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

Fraudulent accounts : XXXX  XXXX Open Date XX/XX/XXXX Balance : {$6200.00} and XXXX ( Original Creditor XXXX ) XXXX Date Opened XX/XX/XXXX Balance {$120.00}. Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-07-10
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. (NJ)

I recently notified TransUnion that I am a victim of identity theft. Transunion responded that they verified fraudulent information. I would like an explanation as to how FRAUDULENT information can be verified as accurate. Once again I state that I am a victim of identity theft.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONGRESS COLLECTION CORP (MI)

Congress Collection is violating my federally protected rights. I never received the dispute notice before furnishing to my consumer report which is a violation of the FDCPA. You are now on Notice to Cease and Desist all communication from me from all mediums including my consumer report. Failing to remove the tradeline will result in me pursuing litigation for the damages this injury is causing.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (VA)

Hi I request American express company to closed my account in XXXX, they don't and ask me to pay $ XXXX month, then I called many time to request close my account, till today they are still refusing but also me to pay $ XXXX. 

Thank you
Consumer complaint received 2022-03-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I am concerned. I graduated in 2008 and I am still paying student loans and owe over {$100000.00}. I don't understand why. I started looking at my statements and it looks like my balance goes up some months even though I have been paying for years. 

I have an account with Navient and XXXX. Navient is the worse culprit. Now the federal loan has been transferred to XXXX but still in deferment because of the pandemic. 

Please help me figure out how to get this addressed.
Consumer complaint received 2020-09-11
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. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or  Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Motor Credit reporting 60 days late. This always shows on my credit report, which is not true. This is incorrect information, that Toyota Motor Credit reporting to the credit bureaus damaging my credit with false information. I disputed it with credit bureaus, and they changed nothing, just sent the mail that all correct they verified it. I disputed it with Toyota Motor Credit, and sent the proof as attachment with all statements from my checking account, thats the only proof that shows no 30 or 60 days lates. After all Toyota Motor Credit update the information with the same lates. I have the copy of disputed letters with attachments, and the proof of delivery ( mails was sent certified ). Please help me to remove this incorrect information from my credit report. I can send you the evidence of my payments and you can check that no lates on my account, and the Toyota Motor Credit going against the FCRA rules about accuracy, fairness of reporting information.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

On XXXX I attempted to transfer funds from my card to my bank account. I have done this same transaction to the same bank account on 2 occasions before without any issues. This transfer shows as completed on the USBank Reliacard site and the funds are no longer in my card account, but never made it to my bank account. I waited the 5 business days it said it may take for the transfer to process, still nothing. After over 30 attempts to get someone on the phone - numerous hang ups after hearing " we are experiencing exceptionally high call volume '' - I spoke with a representative. They informed me that the transfer had been canceled. When I asked what happened, they did not have an explanation. When I asked why the funds were not returned to my account, they also did not have an explanation. I attempted to get a supervisor on the phone but they refused. I was told to contact the unemployment office. This issue has nothing to do with the unemployment office. The unemployment office deposited the money in the card account as they have done previously. I attempted to move it to my bank account as I have done previously. USBank canceled the transfer, never notified me, has not put the money back in the account, and can not provide any explanation as to how I can get my money, or complete the transfer.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IN)

I applied for a CITI Double Cash Card on XX/XX/XXXX and got approved on the same day. I was told I would receive the card within two weeks. I didn't. I waited for about a month and called them, They said the card might be got lost and they were going to send me a new card in a week. Again, I didn't receive the card. I called again after waiting for a couple of weeks. This time they told me they closed the card and I would have to apply again if I needed the card. I was shocked. Later I came to know this incident could affect my credit report and consequently creditworthiness. Therefore, I have decided to file this complaint.
Consumer complaint received 2023-01-02
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. (PA)

Based on, 15 U.S. Code 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.