davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2019-05-15
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 have submitted sufficient proof that this account is not valid and that I am not liable. I have a letter from the actual collection company stating that the I am not liable for the debt. After " investigating '', Experian still refuses to remove the negative information stating that the account has been updated. I am including the letter from the collection agency that clears me from this debt, as well as my before and after investigation results. This is a violation.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (CA)

Dear CFPB, I am writing to dispute the accuracy of information being reported by XXXX XXXX  regarding an account that was sold to XXXX XXXX. The account with XXXX XXXX was opened in XX/XX/XXXX, with an initial balance of XXXX. Despite my efforts to resolve any outstanding issues directly with XXXX XXXX the account was eventually sold to XXXX XXXX on. 

Following the sale of the account to XXXX XXXX, I made a payment to XXXX XXXX in XX/XX/XXXX. However, XXXX XXXX  continues to report inaccurate information regarding this account. Specifically, they are reporting inaccurate summary of payments, dates, and balance owed. Despite multiple attempts to rectify this situation with XXXX XXXX the inaccurate reporting persists. 

I kindly request that XXXX XXXX correct the inaccurate information being reported to reflect the account 's sale to XXXX XXXX and the payment made. Furthermore, I request that XXXX XXXX  cease reporting this account, as it is now under the ownership of XXXX XXXX. 

Thank you for your attention to this matter. Please let me know if any further information is required to assist with the resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-15
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

Your company put a fraudulent credit inquiry on my XXXX credit file, and now, you all are standing behind this miscarriage of justice. Your company has called me a liar. As a XXXX and a lifetime member with the XXXX, I am ready to fight for my rights. 

Your company had the impudence and the unmitigated gall to be slick at the mouth, and I am forced to do this. Your company had used XXXX undertones when I called your company from a different number. I have no other choice but go on the offense. 

I am in the process of initiating an all-out boycott against your company. I have reached out to XXXX. XXXX  XXXX ( XXXX XXXX XXXX ), XXXX. XXXX XXXX, and my local chapter, XXXX XXXX XXXX, ( XXXX XXXX & XXXX XXXX ) XXXX ( XXXX XXXX ), and XXXX. 

Your company will hate you all attacked a Veteran and compound the problems with XXXX and prejudiced undertones. You think this boycott will not work because you all hardly patronage with XXXX, and your company has a high disregard for my people. I will make you all regret this foolish and XXXX decision. 

You will have grief for your proud, superficial, and untrustworthy idioms. I have set up another email that truly represents your company. 

XXXX XXXX
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NC)

In XX/XX/XXXX rooms ( {$1400.00} ) was book on XXXX in Washington XXXX ( i never been to XXXX ) i didn't know anything about it until i check my online account i called td bank and put in a claim i call the hotel in XXXX they told me to call booking.com i called them they told me if i could give them any info i told them i couldn't because i didn't know about the rooms being booked they gave me my money back ... then two weeks ago they took my money back out my account they said i was still using my card my card was still link to different credit cards and bills i don't even have a card now because im scared something else might happen ... this has cause me stress i have XXXX kids and bills back up i just want my money back.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

In the past, i have submitted complaints about green Tree loan servicing company. I tried and tried to get a loan modification with them, spent hours faxing/ certify mail documents to them. I was promised by the original lender, XXXX XXXX XXXX, that they would be able to and happy to mocidy my loan, as i met all the requirements. 
then they sent me to Green tree. ... .and they illegally denied me a loan modification. the CFPB cracked down on them, and ordered them to pay XXXX dollars to people like me. 
i called the settlement administrator yesterday, and, to my dismay, a rep there looked and looked at my name and adresses and said.. I am NOT ON THE LIST to get compensated?? ... ... please explain. -- -- - i got a letter just recently from the now " DIETECH '' I hadnt heard a thing in months and months. their letter stated that I was not eligible for a HAMP loan modification because that is for people who got their loans ( bought their house ), before XX/XX/XXXX. the letter stated that my loan was " ORIGINATED '' XX/XX/XXXX, and therefore not eligible. 
This is incorrect and DIETECH may be able to fool most people with this letter ... but I have been a realtor for over 20 years so I know more than the average joe. 
I bought the house XX/XX/XXXX. this is the house I needed to have the loan modified. 
i put XXXX dollars down on a XXXX dollar house. the loan was done by XXXX XXXX XXXX. I was paying everything and working and all was fine until I became XXXX and unable to work. I was contacted by a XXXX XXXX XXXX loan agent that I was thinking to refer buyers to, and he coerced/ convinced me to do a REFINANCE on the original note, XX/XX/XXXX. 
the bottom line is that i was, and the property was, eligible for HAMP loan modification. 
the refinance was merely aan alteration on the ORIGIBAL NOTE for the property, signed, dated, bought by myself XX/XX/XXXX. this is within the " before XX/XX/XXXX '' guideline. the Hamp program was designed for people who bought during the " peak of the market '' .. and now had upside down mortgages. my home, that I bought in XXXX WAS upside down by the time you figure i had a first, and a second mortgage. 
i beleive that Green tree, now merged with DIETECH ... has written their reason for not giving me a hamp loan to the CFPB ... .... and perhaps thats why the CFPB thinks that I am not a " victim '' : and i am not on the list to get a little compensation from this Nightmare that Green tree/ dietech has caused. .... the CFPB thinks i bought the house XX/XX/XXXX??. 
as i said, the original note for the house was XX/XX/XXXX. the refinance that i did at XXXX XXXX insistance, was A modification or an altered note to the ORIGINAL NOTE ssigned by ne as promis to pay XXXX XXXX XXXX , XX/XX/XXXX. i should have been given the HAMP loan modification. its really too bad that some banks let people defer their payments for 6-8 monthsm shaved XXXX dollars off the principle, etc ... and i had to lose my home. i really miss that home and that town so much.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I was sued by Wakefield and Assoc. for medical debt. They served my ex, where I didn't live any more. Upon receiving garnishment papers at my work I attempted to work out paying off the debt. Unfortunately I was unaware of where they were applying my payments, they manipulated moneys to a really old account in order to try and keep it in statute. Keep in mind I paid these people close to {$3000.00}. I tried at every turn to work with them and settle. They wouldn't settle the last debt because of a {$70.00} difference. The account is over 7 years old, they can not collect legally, and they have not attempted to. I disputed it with Credit Reporting Agencies ( XXXX, XXXX ) but Wakefield is constantly changing payment and reporting info to keep it on my report. They have reported " no payments '' on this account, changed dates, threatened legal action-out of Colorado Statute, and lied about placement of payments. These people will try anything to destroy your credit or hold you hostage, and they will refuse a settlement over {$70.00}, that is how they operate. Disgusting.
Consumer complaint received 2018-06-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (OH)

I contacted Balance Credit not knowing that they are an illegal entity in the state of Ohio. I have paid over the principal on the loan that I took out with them. They are charging 697 % interest and I refuse to pay anymore since they have received the principal of the loan plus money. I have sent them cease and desist letters and they continue to harass me.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Accounts & Advisers, Inc. (MN)

I have sent 2 certified letters to American Account Advisors Inc., the first letter was dated XX/XX/2017 delivery confirmation number is XXXX, the second letter was dated XX/XX/2017 delivery confirmation number is XXXX, both my letters are attached to this complaint. 
My letters to American Account Advisors Inc were requesting validation, including evidence bearing my signature, showing that I have or ever had a contractual obligation with American Account Advisors Inc. My letter included instructions to verify the debt or remove the negative markings for accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from my credit report. 
American Account Advisors Inc. neglected to respond to my letter from XX/XX/2017 within 30 days and have violated the FDCPA 807 [ 15 usc 1962e ], as of XX/XX/2017 the items are still reflecting in my credit report.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I received my unemployment direct deposited into my account and the day my backdated unemployment deposited into my account the closed my account. Saying they wanted me to verify that it was my money and not an accident and I did and they still are holding my money XXXX. This single action made me homeless living on the street with no way to live all because I was not able to pay my rent due to covid and waiting for my unemploynr t to be approved after fighting them to just lose it all.
Consumer complaint received 2017-10-14
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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports.
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of XXXX and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.
Consumer complaint received 2018-06-13
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft my mom husband wanted to go back to school so he used my information to get out student loans in my name he even took out a load in my name for mortgage and getting a car in my name.my credit has been a mess I am trying to get my own home.I never took anything out in my name i just want my good name back that this person has stole from me.
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital Systems LLC ( account XXXX ) for violating my consumer rights as per the regulations outlined in the Consumer Financial Protection Bureau ( CFPB ). The specific violations pertain to the handling of a debt placed on my credit report without providing me with proper written notification and validation information, as required by federal laws. 

XXXX. Lack of Written Notification : According to my credit report, Jefferson Capital Systems LLC has placed a collection account under my name without ever providing me with written notification of this debt. This violates the provisions set forth in 12 CFR 1006.34 ( b ) ( 5 ), which mandates that consumers must be notified in writing about any debt placed for collection. Please provide me proof that I received a written notification of this debt. 

XXXX. Failure to Provide Validation Information : Despite my request for validation information regarding the alleged debt, Jefferson Capital Systems LLC has not provided me with the necessary documentation as required by law. This directly contravenes 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which grants consumers the right to dispute accounts and receive validation information upon request. 

XXXX. Use of False and Deceptive Means : Furthermore, I believe that Jefferson Capital Systems LLC has engaged in false, misleading, and deceptive practices by reporting this debt without adhering to the proper notification and validation procedures. Such actions not only undermine my consumer rights but also contribute to an inaccurate representation of my creditworthiness. 

XXXX. Violation of Reporting Disclosures : The collection agency has also violated 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) by furnishing this account to consumer reporting agencies without providing the necessary disclosures and information required by law. This constitutes a clear breach of federal regulations governing the reporting of consumer debts. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Jefferson Capital Systems LLC for their non-compliance with consumer protection laws. I request that this information is deleted from my credit report. 



Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX email : XXXX XXXX
Consumer complaint received 2018-06-13
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX I ordered a copy of my Experian credit report. After noticing many inaccuracies, I wrote the company via first class mail and provided a valid copy of my Nevada identification with my complete mailing address as well as a current utility bill that beared the same address disputing ALL the inaccurate reported addresses. 

My credit report was reporting 59 addresses! I could not verify where these addresses came from and disputed them as inaccurate, outdated, unknown, not mine etc. I received a so-called updated report some time later and my report was STILL showing inaccurate addresses. I sent a follow up letter via first class mail on XX/XX/XXXX again explaining that I was NOT associated with the addresses that were reporting. Again I provided a current copy of my NV identification as well as a current utility bill. I cant understand how a person can live at 59 places at once. I have provided the necessary paperwork to verify my identity and I received a report as of XX/XX/XXXX with the same inaccurate information. 

I am not associated with any of the addresses other than the one I provided proof for.
Consumer complaint received 2015-11-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NY)

Quicken Loans, particularly has been unresponsive since XXXX/XXXX/2015. I have been trying to call XXXX XXXX who is the representative assigned to me but every time I call him, it just goes straight to voicemail. He tries to call me back but it is always at a time that I am either working or unavailable. I believe Quicken Loans has failed to provide due diligence on my mortgage loan application to move forward with a property I am trying to purchase.
Consumer complaint received 2018-06-13
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. (NY)

On XX/XX/XXXX, Transunion responded to my CFPB complaint # XXXX stating that they called the credit grantor and verified two account that are inaccurately reporting on my Transunion credit report : 1. XXXX # XXXX 2. XXXX XXXX  # XXXX On XX/XX/2018, XXXX responded to my CFPB complaint # XXXX regarding the exact same accounts. They also called XXXX and XXXX XXXX and informed them of my dispute. As a result of XXXX  thorough and complete investigation, the above-mentioned accounts could not be verified, and have been removed from my credit report. Its quite clear that Transunion is not doing a thorough and complete investigation, which Im sure, is a violation of the FCRA.

Transunion has had more than enough time to conduct their investigation, and Im still waiting for the evidence proving that these accounts are mine, or that I have the liability, responsibility or ownership of the above-mentioned. 


Transunion need to delete the accounts now. 

I have attached XXXX  response to my CFPB complaint and their investigation results dated XX/XX/XXXX confirmation # XXXX
Consumer complaint received 2018-06-12
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. (SC)

Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-11
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: Exeter Finance, LLC. (KS)

I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX and that should and would be the only place I would have on my credit.
Consumer complaint received 2016-10-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advantage Financial Service LLC (Idaho) (ID)

XX/XX/XXXX To Whom It May Concern, I am reaching out to you for assistance with XXXX entities that have provided less than adequate basic customer service. Both XXXX XXXX and Advantage Financial Services, LLP have lied, falsified documentation, harassed violated Fair Debt Collection Practices Act, the Fair Credit Reporting Act and failed to respond to a qualified written request. 
This began with my daughter ( XXXX years old ) needing XXXX. We were referred to XXXX XXXX for services. On XX/XX/XXXX we arrived for her appointment and filled out paperwork that included the insurance information for my ex-husband with XXXX XXXX and my insurance with XXXX, among other information provided. Copies of both insurance cards were taken as well. 
I am attaching a complaint letter as it exceeds your allowable characters here.
Consumer complaint received 2024-03-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (IL)

Received letter from shellpoint on XX/XX/2024. Shellpoint servicing states that I inherited the property after my XXXX XXXX. The statement is false. I received and inherited the property my home before my XXXX XXXX. I have the legal documents that prove this matter.
Consumer complaint received 2019-05-18
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)

I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to XXXX XXXX XXXX who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay XXXX XXXX XXXX, but the amount I paid XXXXXXXX XXXX was inaccurate. XXXX shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to XXXX and showed them more than enough proof. They ignored my attachments and said I still owe XXXX XXXX.