davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Exeter Finance, LLC. (FL)

This original debt was from XXXX.With Exeter finance . It is now reporting as debt with XXXX XXXX as a debt that is from XXXX  this false and all is inaccurate.
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have called and submitted a request in writing to XXXX XXXX under the FCRA and to Validate debt. Two accounts one for XXXX  XXXX for XXXX The second is for XXXX and XXXX for XXXX The second also shows as XXXX  XXXX never responded and then they sold to Portfolio Recovery Associates. XXXX removed the XXXX for XXXX but they have not removed the XXXX XXXX for XXXX I have asked XXXX to remove due to under FCRA and me requesting for the original debtor XXXX XXXX, XXXX and the collection agency Portforlio Recovery Associates to validate all statements, interests, payment history, late payments and original contract with my signature. I also asked Portfolio Recovery to validate debt and send me original contract with my signature and remove from my credit reports. I have a police report as well that I submitted to credit bureaus.
Consumer complaint received 2019-11-01
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. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX/XXXX  XXXX
Consumer complaint received 2019-11-01
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. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX   XXXX XXXX and XXXX/XXXX XXXX
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

I am submitting this complaint because I am being extremely affected by NORDSTROM BANK. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I tried to call in XXXX to get deferment during Covid19 and phone lines to Nordstrom were jammed, I could never get through. And online it didnt give me an option to ask for deferment. Later my wife called on my behalf and XXXX told her not to worry that all accounts automatically qualify for deferments. 

The account information is the following : Account Name : NORDSTROM/TD BANK Opened Date : XXXX. XXXX, 2019 Balance : XXXX Credit limit : {$300.00} My demand is based on many damages and all the violations that they have committed. 

I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 
Thank you.
Consumer complaint received 2017-10-21
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (CA)

I have been receiving calls from a collection agency while at work and they have kept me on the phone for long periods of time and demand that I pay them immediately. The agency has reported that they are charging me interest and increasing the amount they demand for. I received a call from them last year in XXXX and they were giving me false information and accusing me of not making payments which I had proof that I did from my bank statements. I am still receiving calls and they keep demanding higher and higher amounts every time they call.
Consumer complaint received 2021-03-26
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$2700.00} -This is not my account.
Consumer complaint received 2022-04-05
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. (NV)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I will respond to XXXX XXXX XXXX correspondence dated XXXX XXXX, 2017. That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts
Consumer complaint received 2020-08-19
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$0.00} XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$45000.00} XXXX XXXX XXXX XXXX {$55000.00} XXXX  XXXX {$4500.00}
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have reached out Transunion several times, sent several letters no response in reference to incorrect public records and accounts listed on my reports that don't belong to me. I have already placed a fraud alert on my credit as well as I asked that consumer statement on my report be removed. At this time I am trying to purchase a home and obtain credit for a mortgage and due to incorrect information being listed on my report I am unable to complete that process. 

I never filed bankruptcy not mines USBK CT XXXX XXXX not mines XXXX XXXX not mines XXXX  not mines XXXX XXXX not mines XXXX not mines
Consumer complaint received 2017-07-07
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I currently have an open complaint against ChexSystems. It appears that ChexSystems attempts to circumvent the law and/or just shows complete disregard for what a consumer facing identity theft attempts to explain to them. Chexystems responded to one of the complaints about the fraudulent address on my ChexSystems file telling me that they will refuse to remove the address because I used the address to order a ChexSystem report. The is incorrect. If ChexSystems sent a report to that address than ChexSystems has contributed to the identity theft and helped someone commit a criminal act. I did not order my ChexSystem report rather I was told by a financial institution that I was disputing information with that I should contact ChexSystems because chances are fraudulent information was being reported by them. I am thankful this is all in writing and being recorded through a government agency because now ChexSystems has admitted being complicit in online fraud.
Consumer complaint received 2020-10-09
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (CA)

I deposited some checks into the Citibank ATM on XX/XX/2019. I was misinformed that my funds would be available the next day. 

The funds were not available. The reason Im upside is because I missed a doctors appointment. I missed the doctors appointment because I couldnt pay the fee and had to reschedule. 


Peoples lives dont stop on the weekends anymore. Its XX/XX/2019. It shouldnt take Citibank this long to clear checks. Because of this I also couldnt pay rent on time. I made the mistake of depositing my checks when I couldve gone to another bank and gotten my funds the same day. 

Because the buffer Citibank placed on my funds I missed a doctors appointment which I took the day off of work to attend. This means Ill have to take another day off work.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (GA)

Recently reviewed credit report stating that I owe a debt with Cash Central that being collected by XXXX XXXX XXXX. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I didn't authorize or give permission for my credit to be process for hard inquiry by these companies and would like for this information to be removed. While getting my oil XXXX  XXXX a salesman approached me asking if I was curious to possibly receive an upgrade. I said i'm in the process of buying a home and I don't want any hard inquiries on my credit report. He assured me that I will not get any hard inquiries and he was just going to run my information in house on a soft pull to see what I was eligible for. He became pushy and aggressive trying to force me into signing paperwork for a sale that I didn't want. I rushed to the service area to get my vehicle and immediately left because I was angered at the way I was being treated in that dealership. I later saw the hard inquiries on my credit report and returned asking him why did he lie to me. He laughed in my face and called me stupid. I asked to speak to a supervisor and request to receive a copy of the document that they said I signed giving them permission to run my credit. No document ever existed because I never signed anything. This dealership was unwilling to provide a simple statement in a letter for me to remove the Inquiries off my credit report.
Consumer complaint received 2020-10-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Since XXXX my income lowered, filed bankcrutcy and other hardships been trying to work with SPS to either modify loan or give me a short sale approval. Ive hired XXXX XXXX XXXX XXXX  in XXXX XXXX to help sell the home and they had multiple offers in the house and over 7 offers submitted to Lender. We have never stopped communicating with SPS and we have pages of notes from Realtor and costumer service reps. Sale date was postponed sevral times in order to get short sale approval and things got worse after XX/XX/XXXX when Covid hit. Buyer has diligently provided all forms needed and seller too, things were put on hold a little after XXXX but Realtor kept calling in XX/XX/XXXX the called was simple ( we have everything we need - only need updated XXXX and realtor gave phone number etc ) Realtor kept waiting on call from XXXX XXXX and never came in since there are very strict restrictions In CA there are steps we need to take to have a XXXX done. To keep it short in XXXX still waiting, XXXX still waiting and XXXX comes and last week XXXX we receive a call that investor closed the short sale and there will no chance to reopen and they will foreclose in XXXX even do the mratorium in CA is until XXXX we need help, the buyer is still interested and seller is willing to short sale. Lets close this please.
Consumer complaint received 2022-04-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$5500.00}, {$6000.00}, {$7400.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$2500.00} -This is not my account. 
XXXX. XXXX XXXX SERVICE with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$5500.00} -This is not my account. 
XXXX. XXXX XXXX BANK with ACCT # XXXX
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I noticed several collections on my credit from Trans World System. They took one emergency room visit and broke it down in twenty different segments and put each one on my credit. in the amounts of {$10.00}. {$5.00} and so on.
They never sent me a notice or anything they just put these errors on my credit.
I am a veteran and have insurance and am on XXXX and my insurance paid my medical bills.
This company really caused me a lot of harm..
I sent for validation of the debts and they are just ignoring me. this has been going on for six months
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

8 years overpaying escrow first Ocwen then PHH know XXXX XXXX.Making payments {$720.00} month escrow. Taxes {$3000.00} Insurance {$3500.00} a year total {$6600.00} actual .I been paying $ XXXX.Overpaying {$2100.00} a year for total {$17000.00} not including compound interest.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX home XXXX mobile Account : Portfolio Recovery Associates, LLC # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Seller : XXXX XXXX XXXX  XXXX In XX/XX/XXXX, I made arrangement for a debt that I originally owed to XXXX XXXX which was sold to Portfolio Recovery. To pay off this debt, I spoke to a representative at Portfolio Recovery, legal department. My arrangements were as follows : {$200.00} initial payment following {$100.00} each month ( XXXX day of each month ) and the last payment of {$65.00} due XX/XX/XXXX. 

The original amount due was {$2000.00}, Portfolio Recovery settlement in the amount of {$1400.00} plus {$200.00} court total due of {$1600.00}. I initially paid {$200.00} when I made these arrangements and {$100.00} would be due every month beginning XX/XX/XXXX until XX/XX/XXXX, and the last payment would be {$65.00} on XX/XX/XXXX. I have paid each payment until XX/XX/XXXX. My total remaining due is {$860.00}. 

To date I owe Portfolio Recovery {$860.00} which I verified today ( XX/XX/XXXX ) by calling them. On my credit report, all three agencies, it states that as of XX/XX/XXXX I owe {$1300.00}. I have called Portfolio Recovery numerous times. After, many, many, many calls, no action has been taken by Portfolio Recovery to correct the amount that I presently owe, {$860.00}. I have verified each month and complained about this error but they do nothing to correct the amount due with the credit agencies. ( XXXX, XXXX, XXXX  ). 

This seems to be against the law to not report the correct amount due on all 3 credit agencies. This continues to tarnish my credit.
Consumer complaint received 2017-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. I rented a home and had XXXX XXXX. I canceled service when I moved before 2014. They told me I had to turn in a piece of equipment that was located on a tall telephone poll over 30 ' tall. I told them I was XXXX and could not climb the poll and asked if they could send someone out, they said " no '' and told me to figure it out. I owed a phone bill but I could not turn in that piece of equipment so they added that to my final bill. I can not go on someone elses property or climb the poll myself so they are charging me over {$300.00} for that piece plus interest and penalties because I am unable to turn that piece in. I turned in everything else inside the home. I feel like they are discriminating and trying to force someone to pay for something that XXXX installed on the pole that I could not climb to retreave. XXXX XXXX is now collecting and I try to dispute but they say XXXX will not change the collection amount they are charging me for that piece.