davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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. (TN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which is found to be fraud 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. Please block/remove these items. 
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 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
Consumer complaint received 2021-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Students First Limited Liability Co. (AR)

On XX/XX/XXXX, I was contacted by a company called Students First ( Saving Students Money ) by XXXX XXXX to discuss my federal loan repayment. She had left several messages of my phone in the 7 days prior, but I had not picked up. Anyways, on this day, I spoke with her and she described that she was with a third party company that could help transfer my loans from XXXX XXXX to the US Department of Education. In addition, Students First would help get me enrolled into Public Service Loan Forgiveness if I was eligible, and lastly after 4 monthly payments of approximately {$250.00}, reduce my monthly payments to around {$50.00} per month for the duration of my 10 year loan repayment. I was extremely suspicious from the outset, but XXXX XXXX had taken around 8 months to process the eligibility of my employer for PSFL, which was extremely frustrating, so I thought this might be a good option to hear out. The counselor was aggressive about having me pay for the first payment that day, and I continued to have my reservations. I told her I would call her back, so that I could look online about the legitimacy of this company. They had a website, the counselor seemed to be knowledgable, and I really was anxious to get started on making payments that would count towards PSLF. I called XXXX XXXX back and asked her to clarify what Students First role was and how it would help. While still at work on XX/XX/XXXX, I ended up signing a service agreement with Students First and making the first payment of {$250.00} over the phone. All the while, I continued to have trepidation about the interaction and the speed with which it occurred. Over the next several days, I emailed the information they requested including PSLF form ( which I already submitted to XXXX XXXX ), paycheck stub, and XXXX  tax return. I called XXXX XXXX at the phone number provided to confirm receipt of those documents, and she confirmed. One month later on XX/XX/XXXX, I continued to have my doubts as to the legitimacy of this company and how they fit into the XXXX no longer being a student loans servicer. I decided to email XXXX XXXX a simple question about a Perkins Loan, and the email was immediately returned to me. My stomach sank, as it began to set in that this probably was a scam. I looked online for reviews of Students First, and I couldn't find any. I started to emailed to research student loan repayment scams, and my experience with Students First basically checked every box, including the upfront payment. I've emailed XXXX XXXX and US Department of Education to see if they knew anything about Students First Company or if they were a scam. Now, I'm sharing my experience here.
Consumer complaint received 2023-01-11
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XXXXXX/XX/XXXX
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

In late XX/XX/2021 I requested that the " pmi '' be removed as this will help me financially as I prepare for retirement. I was advised that a payment requirement of approximately XXXX  XXXX would be required plus an appraisal of my home or a higher amount if I chose not to have an appraisal of my property. On XX/XX/2021, I received a letter stating - " Your payment history reflects payments 30 days or more within 12 months and 60 days or more past due within 24 months ''. Therefore, this is the REASON FOR DENIAL. There was no mention of this on my initial call at which time they were ready to take a payment from me for a " no visit '' appraisal. PennyMac has not provided me with any documentation that if I was " late '' at any moment in time that I could not qualify for this reduction. I wish to have the " pmi '' removed from my mortage.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (NY)

It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the item 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$4700.00}
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLOBAL PAYMENTS DIRECT INC. (UT)

Company : Global Payments Check Services, XXXX - XXXX XXXX XXXX XXXX, IL XXXX / re : acct # XXXX I reached out to this company Mid XX/XX/XXXX regarding a returned check. The amount owed is {$770.00}, and they offered a settlement of {$650.00} but had to be paid that day to avoid a third party collection. I advised that I had taken an unpaid medical leave of absence from work, and advised that I could not pay the entire amount in one lump sum, but would like to set up a payment plan. I offered to make a small " good faith '' payment that same day with a debit card. they declined and said they could not take any payment if it was not the payment in full or the settlement amount, and that they could not set up any kind of payment plan. I expressed very clearly that I was very concerned that this would get sent to a third party agency and would be reported to the credit bureaus. again they advised that they could not do anything unless payment was made in full and they would not accept any partial payment. today ( XX/XX/XXXX ) I received two letters. The first is an undated letter from this company advising that the account has been sent to a third party collection agency and that the account has now been reported to the credit bureaus. The second letter is dated XX/XX/XXXX, and is from the collection agency advising that they have received the account and an attempt to collect. My issue is that the " undated '' letter was the first letter that I received advising of any legal action. additionally I am very concerned that the company was not willing to set up a payment plan - when I clearly expressed that I was able to pay a reasonable amount per month to avoid the account going to collections and being reported to the credit bureaus. I am very frustrated because I have had medical issues that sometimes prevent me from going to work, and I explained all of this, but they were still not willing to set up a payment plan, or even take a small partial payment just to show that I am willing to pay. Now my credit is going to be adversely affected, which is a VERY BIG deal to me because I have spend the last 5 years cleaning it up. I have NO LATES on all of my active accounts and only XXXX  late on an old closed credit card. If this item gets reported to my credit reports, it is going to severely hurt my score and all the progress I have made.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

re : Shellpoint Mortgage Servicing. 

Loan account # XXXX. 

I recently refinanced my house in XXXX XXXX After the refi, the mortgage loan was once again sold to a different lender and Shellpoint Mortgage Servicing is my new mortgage servicer starting XXXXXXXX. Before, during and after the refinance process, I have maintained my homeowner hazard insurance policy linked to the above loan # and it has always been up-to-date and active. My current insurance policy coverage period is XXXX to XXXX ( see attachment ). On XXXX, I received a letter from Shellpoint Mortgage Servicing dated XXXX stating " Our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. You should immediately provide us with your insurance information '' and to fax, upload or mail my home hazard insurance policy declarations page to XXXX. On page XXXX of the letter, it states " Shellpoint Mortgage Servicing is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. '' ( see attached copy of the letter ) This is an attempt from XXXX to fraudulently collect a debt that is fraudulently created by XXXX based on their false claim that my house is not covered under any hazard insurance but I already have the insurance and it's not expired. 

I immediately uploaded the home hazard insurance policy declarations page on the website as instructed in the letter, proving my house is covered under active home hazard insurance. 

This is not the first time Shellpoint have tried to scam homeowners and tried to impose extra charges to their loan account by claiming XXXX is buying forced-placed hazard insurance for the property while the homeowners in fact do have active hazard insurance. There have been at least XXXX class action lawsuit in XX/XX/XXXX against Shellpoint Mortgage regarding lender placed insurance. There is at least XXXX open class action lawsuit now against XXXX charges for property insurance even if homeowners already have a policy, which involve cases similar to what happened to me. 

I demand Shellpoint Mortgage Servicing immediately update my home hazard insurance info linked to the above loan account # XXXX. 

I demand Shellpoint Mortgage Servicing immediately and permanently cancel any charges and fees associated with the forced-placed hazard insurance XXXX purchased fraudulently for loan # XXXX. 

I demand Shellpoint Mortgage Servicing, in the future, never to try to scam me again or try to do anything fraudulent related to my loan account or the loan holders in any ways. 

Thank you for your time and attention to this matter.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XXXX XXXX, 2021, I the consumer sent out a letter via USPS XXXX mail with tracking to TRANSUNION LLC, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. TRANSUNION LLC was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from TRANSUNION LLC on XX/XX/2021. The letter that consumer XXXX XXXX XXXX has was a letter stating that TRANSUNION LLC investigated the information I disputed and updated the report. There were two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that TRANSUNION LLC Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TRANSUNION LLC is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts TRANSUNION LLC posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that XXXX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for TRANSUNION LLC to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. TRANSUNION LLCs failure to positively verify these accounts correctly under the FCRA, unverified accounts must be removed/deleted and if TRANSUNION LLC is unable to provide me a copy of verifiable proof, TRANSUNION LLC must remove/delete the accounts XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-08-17
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-27
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. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (NV)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX )
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (UT)

XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Ga XXXX has been reporting to XXXX XXXX, XXXX, and XXXX a debt of {$9900.00} for a XXXX XXXX XXXX XXXX XXXX Apts. 

The reports I have claim that the account was opened XX/XX/XXXX. 

I have however, never lived in XXXX, Ga nor rented any sort of apartment. 

I have made attempts to leave messages with the apartment complex, but have received no response back by a manager. 

Additionally, on XX/XX/XXXX, I have sent the attached documents, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating their claim is disputed and validation is requested. 

As of XX/XX/XXXX, I have received no response nor correspondence from this company. However, they continue to report this negative debt on my credit reports falsely.
Consumer complaint received 2018-02-18
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: ALLY FINANCIAL INC. (GA)

I have a closed auto loan account with Ally Financial that I paid off in XX/XX/XXXX. It was reporting to XXXX, XXXX, and XXXX for its entire tenure. For some unknown reason, it stopped reporting on my XXXX  report. I contacted XXXX  for them to put it back on my report. I've sent in documents from Ally Financial numerous times to XXXX  and had Ally Financial to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to XXXX documenting the account.The loan still shows on XXXX and XXXX, but not XXXX. Myself, along with Ally Financial, have been asking XXXX to update my credit file with my Ally Financial account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with XXXX because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .
Consumer complaint received 2021-12-01
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. (CT)

Experian is willingly and knowingly transmitting fraudulent information regarding my credit profile. XXXX XXXX XXXX claims I owe their company {$450.00}. This account is not mine and is a result of identity theft. I have notified the creditor directly and the credit bureau, however, both have failed to act accordingly.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC