davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 


Account name XXXX XXXX XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY (OR)

The same phone number calls every day at XXXX XXXX  and once at XXXX, ALWAYS before XXXX. I have a XXXX XXXX XXXX  XXXX, XXXX, XXXX and several XXXX  XXXX. I have a letter from my doctor to send them to cease and desist as I'm in the process of filing for ss XXXX and am uncollectable. I haven't been able to work since XXXX except for a brief 4 month period in XXXX when i was fired for losing the use of my hands do to still undiagnosed neurological issues. However, when I call them back, they refuse to give me an address. They simply say that they are calling for lawyer XXXX. Just lawyer XXXX, no last name no law offices attached, they won't tell me what the debt is although once I believe I heard amez mentioned before they hung up on me. The last time I called them back on Friday I decided I would call them as they keep doing me until I got some answers which I never did because they just hung up on me over and over and over. One of them finally gave me an email address because I kept telling them I'm simply trying to mail you the letter. I just want to send you this letter so you'll leave me alone. They gave me two false email addresses both were returned so I failed to get them the information due to their lies and make them leave me alone and they are persistent-they called again this morning at XXXX. They told me Friday that they had to the do-not-call block between me and them that I'm not allowed to call them back lol and they're not calling me-and yet they called again this morning. I am UNCOLLECTABLE. I BECAME XXXX  AND LOST EVERYTHING IN XXXX after exhausting my lifesavings trying to pay bills and rent while physically unable to work or keep a job since XXXX. Before this I had a XXXX credit score and paid EVERY bill early for over 20 years. It is devastating to be unable to even care for myself due to XXXX and I'm so deep in debt that as SOON as my XXXX goes thru I WILL BE DECLARED UNCOLLECTABLE. These companies are causing my XXXX, XXXX, and XXXX to become XXXX XXXX  to the point of needing XXXX. They won't stop, or tell me who they are calling at XXXX every day. I simply want to send them this letter so that they will STOP. When they call I am not nice anymore, because of my XXXX and my XXXX  XXXX  that manifests as anger and I can not control myself so when they call me and refuse to give me the address and when I give me the runaround and they start trying to put me down and tell me that I'm a piece of XXXX for not taking care of debts then refuse to tell their address or who they are, the voicemail goes to a manager XXXX XXXX or XXXX. I've tried soooooo hard to get them to stop. I've left her soooo many voicemails explaining the situation and still they wake me at XXXX XXXX  when I've had no sleep. I'm about to be hospitalized for it and need to sue them at this point to stop them.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have continually contacted Experian to correct the information showing on my credit report but to no avail, Experian has not made these corrections and for that, it is causing me to be denied for credit because of the errors this company has caused. 
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. 
ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX. This is not a residential address and needs to be removed from my Experian credit report. 
XXXX XXXX XXXX # XXXX  XXXX, TN XXXX. There is a misspelling in this address and needs to be corrected are removed from my Experian credit report. Also, Experian does not have my correct address reporting on my credit report XXXX XXXX XXXX XXXX, TN XXXX and it needs to be added to my credit report. 
This reporting is harmful to my credit file and needs to be corrected for the current status of my credit report. 
Employment : Please add my employment as such, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Service Finance Holdings, LLC (UT)

Service Finance is reporting erroneously on my credit file. I have a personal loan through them but it is being reported as a mortgage. This is not a mortgage. I need the account type to change, it is affecting my financing for other things because it looks like a foreclosure mortgage.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NY)

I applied for a Forbearance under the Care Act & was granted 5 Months at the time of applying my Monthly payment was {$2000.00} & after the end of the Forbearance, I requested an extension & was denied by my Servicer, Which is a blatant violation of the Care Act, Claiming that an extension is not allowed, But the Federal Government made it obvious that an extension of the Forbearance was allowed, They insisted on giving me a Modification in the sum of {$2700.00}, The modification amount would make it unaffordable for me. I kept insisting on the Forbearance extension which I was entitled to as per the U.S treasury Dept under the Cares Act as passed by Congress, The constant threat when I called to let them know I will not accept the Illegal modification amount was unbearable for me. They then sent me yet another Modification agreement stating that my new payment would be {$4600.00} for 3 months I refused to accept the increased amount, I informed them that under the Cares Act the amount I owe per the Forbearance must be added to the back of the Loan, they are refusing to accept the directives of the Federal Government & has insisted that I must accept their Modification in spite of the fact its without merits & violate the Federal Regulations under the Care Act, Which allows me to have the amount added to the Back of the Loan & then I would continue to pay my original Mortgage payment prior to accepting the Forbearance, They are not aware of the details of the Care Act
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-13
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

After I filed my second complaint, XXXX reported my loan as delinquent. I was in forbearance, and I just received my loan modification documents and sent them off within a week. Now my credit is messed up. I'm getting the runaround from their call center.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

on XX/XX/2020, I hired a moving company to move my things from my about to close home to storage. I was advertised several things, including that paying extra for more movers would save me time, and so would also be cheaper. So I paid for 2 extra movers. The first issue was the truck needed for the move wasn't available, so they came with one too small. The second issue was of the extra movers, at least one of them was their very first day at the job, and wasted a lot of time learning what to do. In short, this is the second time I used these movers but the move took more time, and costed more to go to a storage facility XXXX miles away, than my multi city move with the same company which was over XXXX miles, and half the amount of movers. It was late, I had to close the home and return the keys to the real estate agent, so at the end I had other things to worry about and paid. 

Naturally I tried to discuss this with the company, and the same manager who promised me all this cost savings and efficiency refused to make amends, trying to sell me a discount on my next move instead of fixing my current move. At one point I finally just got ignored, email wasn't replied for several days, I even sent a second email that still received no reply. At this point I decided to turn to American Express, as it was their card that I paid the service with.

I opened a dispute, no one called me, and shortly it was denied. I never was given an explanation, I never had anyone call me for details as I've had with my Visa credit card in the past so I opened a XXXX  complaint. The complaint went nowhere, they reopened the dispute, and shortly denied it once again, someone at corporate called and gave me a lazy answer of something along the lines of " because I received the service, I can't dispute it '' no matter how terrible the service I requested was. I even demanded in email for my legally obligated documentation of why I was denied and a chance to repeal it, and I never got a reply back. I tried to reopen my dispute, and even contacted XXXX again. At that point they seemed done with me so they closed the dispute, charged me for the disputed amount, and closed the XXXX  complaint and left it as " customer dissatisfied. This is possibly my last option.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (FL)

Experian is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Experian is breaking the law.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

Account : National Credit System # XXXX I'm unware of this debt and did not have the opportunity to dispute. If the collector is stating the provide the notification, please send the receipt of CERTFIED MAIL that should have been received. 

Also, please provide the VALIDATION OF DEBT and METHOF OF VERIFICATION. 

Please remove this account off my credit report.
Consumer complaint received 2017-09-24
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: Santander Consumer USA Holdings Inc. (NC)

Upon reviewing a recent copy of my credit report from XXXX and XXXX, I noticed inquiries from Santander Consumer USA, that I did not give permission to make. From my knowledge, an inquiry on my report is not allowed unless I give written consent. I am not requesting, but demanding that you remove these unauthorized inquiries from my credit report. According to the Fair Credit Reporting Act, the only permissible reasons for pulling an individuals credit report are as follows : A. A Firm Offer of Credit B. Insurance purposes C. Employment D. Court Order The following inquiries were made in violation of the Fair Credit Reporting Act for the reasons mentioned in the previous paragraphs Santander Consumer USA XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, 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 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-12-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (IL)

Previous CFPB Complaint XXXX Dear Western Funding. I am aware that you are an original creditor and while 'debt validation ' may have been the wrong wording to use in the letter the intent was to determine if your company followed UCC requirements in repossessing the vehicle. You may not be required to validate the debt but you are required to show proof you followed the law! So again ... I demand proof that the repossession of the subject vehicle was legal in accordance with the following : Auto Purchase Plan Agreement Credit Application ( to corroborate the identity of the alleged debtor ) Sale Invoice ( to corroborate claim amount of alleged debt ) Vehicle Invoice ( to corroborate consistency of claim amount of alleged debt ) Retail Certificate of Sale ( to corroborate parity between sale amount and claim amount ) Payment History providing evidence of payments including last payment date and Charge-off Date ( to corroborate actual debt owed net any payments ) Vehicle Title Dunning Letter Repossession Assignment ( initial ) Any subsequent Repossession Assignments Repossession reassigns Account Profile/Repossession Approval Repo Checksheet Notification Letter to Report Derogatory Status to Credit Bureaus Notice of Repossession/Right to Redeem with any additional fees ( e.g. Recovery fee ) to reflect Legal requirement to notify me personally, or by registered or certified mail at my last-known address, within 24 hours of such repossession. Notice of Plan to Sell Property at a Private Sale ( Notifying me of the time and place of a public sale and/or of the time after which a private sale has taken place ). Letter of Private Sale ( Disclosing Purchase price of the buyer ) Total Loss Protection Assurance ( Covers the loss of the entire car minus any payment obligations until submission of the claim ) Post-repossession assigns/assignments/assignment agreements Debtor Notification of Assignment pursuant to Bill of Sale for the sale of any chattel paper or payment intangibles relative to the debt UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
Consumer complaint received 2023-03-23
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 XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Hi. I'm trying to get a home loan processed. There is a freeze on my Experian credit report ( done by me previously as a response to an online data breach ). This freeze is preventing me from getting a mortgage. Experian is un-responsive both online and by phone to help me remove the freeze. On the phone I get hung-up on before being able to talk to a human being, and online I am unable to login to my account do to a website error. 

I'm looking for a lawyer which can help me remove the freeze, but thought it prudent to also file a consumer complaint. Unfortunately Experian doesn't let you talk to a human being as an individual, this is my last resort.
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Accounts, LLC (IL)

I have been disputing the account with Capital Accounts for some time now, as it is an old debt and is incorrectly reported on my credit report and has affected my credit rating in a negative way. I have requested more than 7 times, documents reflecting my original signature for each procedure performed, agreeing to the procedure and the costs, as I do not agree with amount owed. The company has not supplied me with the documents I requested, which I am entitled to by law, and has failed to validate the debt. As a result I have sent a Cease and Resist letter to Capital Accounts refraining them from further collection activity although this request was ignored like all previous requests. Capital Accounts has failed to supply me with the necessary documents to validate the debt, and at the same time has also refused to remove the account from my credit report which has only caused further damage to my credit rating.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (WI)

I deposited $ XXXX per bank terms, bank charges us $ XXXX  monthly service fee improperly causing funds became low and then continue charging {$30.00} fees which are fraudulent fees. 
Need full refund Also account was opened in response of Citi solicitation to deposit new funds of $ XXXX for reward of {$500.00}. 

Citibank is practicing bite and switch
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

I received today this weird mail From XXXX XXXX XXXX about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding XXXX km More than tolerance level. The ticket is for XXXX 
This is ridiculous. I have done no such thing. This is XX/XX/XXXX.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (TX)

On XX/XX/XXXX I paid {$520.00} to Arvest Central Mortgage for an appraisal. As of today, the appraisal was never carried out. The loan has been transferred. I received a refund of {$200.00} not the total {$520.00} for services that has never been rendered. My loan has been transferred and they have charged me {$390.00} ( XXXX ) for PMI on XX/XX/XXXX and XXXX. They no longer carry the mortgage. I have yet to be refunded to the total appraisal paid of {$520.00} and my escrow balance of {$5700.00}.