davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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 {$13000.00}, {$14000.00}, {$5400.00}, {$19000.00}, {$25000.00}, {$10000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4100.00}. 
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 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

I received a letter today XXXX/XXXX/XXXX from Nationwide, attempting to collect a debt I do not owe. " XXXX '' from Nationwide had called me on XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, attempting to collect debt that I do not owe ( please see CFPB complaint, # XXXX ). I informed XXXX that I had filed a complaint against XXXX with the FTC, under the Fair Debit Collections Act ; I told XXXX that her company is to never contact me again about this, and if they do, I will file a complaint against Nationwide. Here is the history, as denoted in the above-mentioned complaint ... 

On XXXX/XXXX/XXXX I called XXXX and spoke with " XXXX '' and cancelled my policy, effective same day. On XXXX/XXXX/XXXX I realized that XXXX had billed my bank account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for premiums of {$45.00} each time. I called XXXX, spoke with " XXXX '', who confirmed that XXXX had closed the account on XXXX/XXXX/XXXX but had not deleted my payment information. XXXX put me on hold and then confirmed she had just deleted my payment info. I requested a refund and she said she is unable to do this, that I would need to speak with a different department during office hours. I then called XXXX XXXX XXXX to dispute the charges and request that all future charges be denied as unauthorized. I spent a total of 2 hours on the phone that day. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX informing me that my dispute was considered valid ( see enclosed ) and crediting my account. Subsequently, I received several letters from XXXX, first threatening to close my ( closed ) policy due to non-payment. Then 2 weeks ago I received a letter threatening to send me to a collection agency. So that day ( XXXX/XXXX/XXXX? ) I called XXXX ; I was on hold for 30 minutes without ever speaking to a representative, before hanging up. During that 30 minute wait, I went online and filed a grievance with the FTC against XXXX for violation of the Fair Debit Collections Act ( Reference # XXXX ). I then drafted a courtesy letter to XXXX to inform them of the grievance ; I mailed it XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received the Collection phone call from " XXXX '' at Nationwide. Despite my providing her with the above information, and telling her that her company is to never contact me again, and informing her that I would update my grievance with the FTC to include her call, Nationwide has now sent me a statement, for MORE THAN the amount that was initially paid, refunded, and sought. I am now filing this grievance against Nationwide.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion Credit Bureau refused to conduct proper investigation & have these errors deleted from my credit report. I have called this morning, regarding debt collector the bureaus reporting the amount {$820.00}, no contact information is available & unavailable to call or send mail to debt collector but TransUnion refused to delete this creditor. I have a certified letter, returned back to me via USPS.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

Lost my job due to the Coronavirus Epidemic! Signed up for unemployment got approved for the PUA program, got email my debit card would be in mailed within 7-10 business days! IT HAS BEEN FIVE WEEKS NOW! US BANK RELIACARD sent my card to not one but two different addresses! Know my third card is getting expedited till the unemployment office approved my mailing address! Why is this?
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-05
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 (RI)

In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the XXXX seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I consumer XXXX, in fact natural person am contact Transunion a second time, demanding the removal of unverified information from my consumer report. The Fair Credit Reporting Act ( FCRA ), requires that credit reporting agencies such as Transunion properly verify the information being reported, and if such information cant be PROPERLY verified, then it must be removed. I sent in a notarized dispute letter to Transunion via certified mail on XXXX XXXX, return receipt requested -- demanding that you remove the disputed fraudulent accounts from my credit file. Transunion has failed to investigate my request or respond to me at all and is in further violation of 15 usc 1681i. Transunion has not removed the items and continues to be willfully in noncompliance with federal law and as a result, has caused harm to my reputation, defamation of character and mental & emotional abuse 15 USC 1692d and is now further criminally liable pursuant to 15 usc 1611..They are neglecting to resolve this matter. also, 15 USC 1681 ( c ) states that any accounts placed in collection as a result of fraud and id theft should be EXCLUDED from a consumer report and Transunion has violated me and has not responded to my request at all. My identity has been stolen and I did not give Transunion consent to score me or furnish authorized credit accounts to my report!!
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

on XX/XX/2023 I made a payment to XXXX XXXX for {$2800.00} thru my XXXX XXXX account which had a balance of {$7700.00}, I was later told by XXXX that my payment was returned, than I made a replacement payment but by that time the account. 
had gone over 30 days, I contacted XXXX XXXX to find out why the payment was returned and they stated that they stared a fraud review and froze all out going payments from my account I than sent XXXX the latter from XXXX XXXX stating such and ask them to update my account to reflect that I made my payment on time but because of a technical issue at XXXX XXXX they returned the payment, but for the last three mouths they have been giving me the run around and have not corrected this issue which has ruined my credit and reduce my score by XXXX points.
Consumer complaint received 2020-11-16
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. (FL)

On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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.
Consumer complaint received 2020-09-13
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: FC HoldCo LLC (IL)

Three inquiries hit my credit report in the past week. I even locked my credit profile on all 3 Credit bureaus and the inquiries still managed to be pulled and put onto my report. This caused a major drop in my XXXX credit score ( over 50 points ). I need these 3 inquiries removed immediately. I have not authorized any such action to be done on my end. These are the three I need removed. These were reported to XXXX  XXXX XXXX XX/XX/2020 FLAGSHIP CRE XX/XX/2020 XXXX/XXXX XX/XX/2020
Consumer complaint received 2020-09-13
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. (NJ)

I have been trying to dispute several credit accounts on my credit report as fraudulent. But for some reason I have been unsuccessful with being able to dispute those account with this credit bureau. The accounts that I want disputed are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts I want to dispute as fraud. My ID was stolen and I did not give authorization for any of these accounts to be opened. I have attached an FTC Affidavit. Please forward an updated credit report with these account and inquiries moved off of my report.
Consumer complaint received 2018-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Four months ago I contacted Rushmore in regards to cancellation of my PMI insurance due to the increase of the value of my home by 30 %. The increase was due to rising home values and property improvement modifications. The request was denied due to loan to value ratio. I contacted Rushmore back and explained my loan amount is XXXX and my home value falls between 276-300k. I was instructed that if I wanted to proceed I would need to pay for an appraisal from a 3rd party appraiser of Rushmores choice. I agreed and never heard back. I contacted them back after not hearing back after sending my agreement form to move ahead with the appraisal. Months have gone by with no word so I contacted them again on XX/XX/18 requesting the same. I was instructed that the concern was closed and I was denied with no communication. I explained that this is unacceptable under federal Homeowners Protection Act. I was advised I would receive a call back within 24 hours after it was investigated. I have contacted Rushmore today via online chat requesting my call back and was advised that it can now take up to 48 hours for a response. This insurance should have automatically been removed in light of my perfect payment history over the last 12 years. It seems that my only recourse is to take Rushmore to  small claims court since no one in the customer service or PMI department can give me a clear answer as to why I am being charged an extra {$150.00} a month. 

My advice is to pursue small claims or talk to an attorney if you are ignored or wrongfully denied. Keep every letter and chat log, this will come in handy later on if it goes to court.
Consumer complaint received 2021-01-24
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: CAC Financial Corp (FL)

CAC FINANIAL CORP ( opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (FL)

XXXX XXXX in XXXXXXXX XXXX I rented from for a year and a half. I was working 45 min north in a XXXXXXXX XXXX XXXX XXXX XXXXt and wanted to move closer to my job. I gave 60 day written notice to terminate the current lease and paid rent in full. When I went to the office to sign the renew the lease 6 months prior I was told by an office employee that if ever wanting to break the lease I'd have to initial in one place on the lease that said something about property damages which I was confused about but was thinking I knew I would leave it undamaged so initialed anyway. Upon black mold exposure and a massive water leak from the apartment above me and post recovery from covid, I decided since the property manager was aware of these issues but refused to help move me into another apartment on the property that I would go ahead and move out. A year after being in my new apartment I check my lifelock and randomly a collection from ideal collection services in XXXX, XXXX  XXXX  up on my account. I immediately call their office and try to dispute the charges unbeknownst to my knowledge, no notification via email/mail of an attempt to collect a debt, a copy of my lease and sent all my money order receipts to the collection company of which I paid my rent in gainesville with XXXX The response I got was a lease with inaccurate dates and rental amounts. I called the water company a separate company to see if there was any way I had a unknown bill, entered my account number and was told I had a XXXX dollar balance, which by the way I'm told that it was my responsibility to pay a water bill when I no longer lived at the residence which was part of the XXXX dollars that I was reported for. They will not accept payments or a settlement, I'm afraid that my credit and ability to rent or own will be affected for a long period of time if I do pay it and they refuse to delete it off my credit report. I'm a XXXX XXXX, deal with life and death and feel as if it's only fair to be treated like a human being with good intent who would like to have the freedom to one day own a home if desired. This is really holding me back as I've been aggressive about paying off debt.
Consumer complaint received 2020-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

While going over my credit report I noticed two credit card from Capital One Bank as charged off. This is impossible as I have never had any accounts from Capital One Bank. I am disputing these two credit card accounts as fraudulent. The only accounts that I was associated with from Capital one is when I was added as an authorized user but those accounts are closed. These accounts I didn't authorize to be opened please remove them from my credit report as ID Theft
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

So I recently find out that all XXXX credit bureaus mixed my credit history with my XXXX brother 's credit history into XXXX single report. I already contacted all XXXX bureaus with this dispute. Unfortunately, XXXX is the only credit bureau that handle this dispute as a professional company. XXXX is able to fix this dispute within XXXX hours and I received the corrected report already. However, XXXX and TransUnion are the worst agencies I have never encounter. When I contacted their representatives, they all refuse to apology for the error. XXXX admitted their error on their end ( because all my information was reported under my SSN they simply just put all my info under my brother 's name. I saw a report with XXXX name and XXXX SSN which is pretty funny but XXXX was able to separate and fix the mixing error ). Those XXXX companies keep claiming that it is my creditor 's fault for not reporting the information with all detail ( as they claim they never receive my SSN so all my information were filed under my brother 's name and SSN which means I do n't exist in this country ). This get me very frustrated, as XXXX actually receive all my information under my SSN how does the other XXXX agencies not received the same information from my creditors? Clearly, those XXXX agencies ' employees were sleeping when collecting my information from my creditor and failed to notice my SSN number on the reported credit info. Second, the representatives ask me to mail in a copy of my SSN to prove my identity so they can handle the dispute " properly ''. I comply to the request yet its been freaking XXXX weeks and I have n't ' heard back from them regarding the status of the dispute. I try to pull my credit report from TransUnion and it is still stating no information under my SSN is available. ( As they still have n't separated my credit history under my brother 's SSN ) I demand an immediate response from both XXXX and TransUnion response. Especially TransUnion, the phone representative made a verbal agreement that the supervisor will contacted me within XXXX hours after my phone call but I never received any phone call from the so called " supervisor ''
Consumer complaint received 2022-04-05
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. (RI)

In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the XXXX seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.