davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (NJ)

o On XX/XX/2020, I returned from out of town trip and found a US Bank debit card ( XXXX XXXX XXXX XXXX ) in my name, waiting for me in the mail. I never applied for or requested this card. 
o Called US Bank to inquire about why I had received this. The rep apologized and said she was immediately deactivating the account. She said she would send written confirmation that the account had been closed. Furthermore, she told me they had seen a lot of this and that it was likely I was a victim of identity theft. She advised I file a police report and file a complaint with the FTC. 
o Called the FTC and spoke to a rep who suggested I go on their website to file a complaint and use their online tools to deal with the possible identity theft. I immediately did as she advised. 
o I applied for free credit reports from the three credit agencies. XXXX and XXXX allowed me to complete the process online and provided immediate reports to me. I was not able to do this online with XXXX and had to call to order a report. The reports from XXXX and XXXX showed no unusual or unrecognizable activity. There were no inquiries from US Bank. 
o I sent, via USPS, letters & forms to the three credit agencies requesting that they place a 7-year fraud alert on my account. I sent a copy of the FTC report along with these requests.

o I sent, via USPS, a letter to US Bank, as advised by the FTC online ID theft management tool. I requested they send me written notification that they had erroneously opened an account in my name and that they had closed the account. As of XX/XX/2020, I have not received the requested written documentation from US Bank.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX, XXXX XXXX XXXX, and XXXX have violated my rights .

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
Consumer complaint received 2021-05-25
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)

There are many many many accounts that are not mine I have not opened these or used or approved these I need help since the bureaus and the furnishers do not answer any of my emails letters or calls. This is identity theft. 

XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX BANK USA N -Acct # XXXX Opened XX/XX/XXXX Amt {$2100.00} XXXX XXXX  BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX BANK XXXX XXXX Acct # XXXX Opened XXXX XXXX, XXXX Amt {$3500.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$600.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3700.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$9600.00}
Consumer complaint received 2021-12-29
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. (NC)

I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to TransUnion, XXXX and XXXX for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete accounts.
Consumer complaint received 2019-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I am being incorrectly charged on my bills. I have called several times and also entered an official complaint, but the letter I received from XXXX XXXX did not offer a valid response as to why I am not getting the correct interest rate. I have enclosed a copy of XXXX  letter and also the contract with the sections highlighted as to why I should be getting Prime minus 0.51% (i.e. Prime minus 0.26% stated in section 6 of the agreement, and minus an additional 0.25% Relationship Discount stated in section 7 of the agreement).The relationship discount is valid under the checking account I opened. This has been a problem since the loan began, and as per my rights under the agreement I deducted the (disputed portion 0.25% charge) while the dispute process was ongoing.•	Letter from Loan Operations Manager says that I am supposed to be receiving the relationship discount yet the math is incorrect. (See copy of letter from XXXX XXXX) (Also see highlighted sections 6 & 7 of the Agreement & Disclosure Statement)•	Using the .26% figure in section 6 of the contract the math is correct, but I am supposed to be getting both discounts subtracted from the prime rate.•	Both sections 6 & 7 of the contract are clearly checked off meaning my rate should be prime minus .51%. So far I have not received a clear explanation as to why I am not receiving both discounts. Additional Issue: Section 21 of the Agreement says that I do not have to pay the disputed amount while a formal dispute is in process. I have highlighted this section in the agreement. Nonetheless TD Bank has marked my credit report as delinquent and it has affected my credit rating.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XXXX/XXXXXXXX my debit card was stolen after a visit to XXXX XXXX XXXX for a birthday party. The next day, I left town for a birthday trip for my daughter. Upon coming home, I couldnt find my card and logged in to see it was being used all around the area. I promptly locked it and called Chase to report the card stolen and the unauthorized charges. We went charge by charge and I did not dispute the charges that were automatic like my apple account charges. Those are legitimately mine. After some time, my account was debited for the unauthorized charges and my claim denied. I called promptly and was told they couldnt reopen it and they had information that apparently led them to decide these were my charges. After some hassle, an account executive took the call and discovered the charges that we didnt not dispute were incorrectly marked as card present. She resubmitted but it was denied again. I find this ludicrous and I have proof that I wasnt in the area at the time nor was my card ever back in my possession.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian XXXX XXXX XXXX XXXX TX XXXX Attention : Credit Dispute Department This letter is being sent to you in response to a notice sent to me on ( XXXX XXXX XXXX ) or a listing on my credit report the following loans ( XXXX XXXX XXXX XXXX  ), ( XXXXXXXX  ) and ( XXXX/Dept of Ed-XXXX  ). i received official letter from last loan that my loan was passed to was paid in full. Be advised I paid this debit off and as such this is not reported correctly and, a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

Violation of the FCRA Violation of the FDCPA If your offices can please remove this from my credit immediately that would satisfy this urgent request. 
Best Regards, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (OH)

I have filed and submitted necessary documents regarding Identity Theft and sent by way of certified mailings which included a FTC Identity Theft REPORT, a copy of my Identification, Consumer Statement with applicable highlighted items on my copy of credit report and none of the Credit Reporting Burals have made an attempt to preform according to the law and statute which should have a block and removal of all items reported by me that are in a way or another Identity Theft within 4 days upon receipt of the complaint which was done on XX/XX/2023.
Consumer complaint received 2022-04-07
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: ACIMA CREDIT, LLC (FL)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Collections West, Inc. (AZ)

They called and told me all information without verifying they were speaking with the correct individual they gave information about the debt without giving the mini Miranda I have not received a validation letter when they called a week ago I advised I filed bankruptcy and not to call and now they called again using the same full disclosure without verifying me
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

This company LAW OFFICES MBA A.K.A Mitchell D. Bluhm and Associates, fraudulently has been trying to collect funds from me. They put me in collections with the credit bureaus. I have never done business with or have ever had any relationship with this company. Quick XXXX search of their company and I can see multiple people have been scammed by this company and are going through the same situation. There illegal activity must be stop once and for all. I have an FTC report filed that you will find attached to this complaint. My account number and amount that is fraudulently being reported owed is listed below as well as in the attached documents. 

FTC Report Number : XXXX Agency name : LAW OFFICES MBA / Mitchell D. Bluhm and Associates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$1200.00}
Consumer complaint received 2021-05-25
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. (LA)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPAauthorization.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

In XX/XX/XXXX, I requested a forbearance on my mortgage loan starting XX/XX/XXXX, and it was granted for three months. During that time, I paid interest on the loan for XXXX, XXXX, and XXXX, which SLS refused to apply as a separate payment each month. I requested a loan modification in XXXX and sent in the required documentation for consideration. During the period from XXXX to XXXX, I received notices of late payments and foreclosure threats. I was asked to provide additional financial information for the loan modification. I was gainfully employed and had a small events business, but due to COVID, I received no revenue from that. After waiting for months to hear from SLS, I received a denial of my loan modification request. Instead, I was offered the option to short sell or let the mortgage owner take ownership. One reason for this denial was because of a fraudulent home valuation report that was requested by SLS from a local real estate company in XXXX, NV, called XXXX XXXX. This company had undervalued my home by {$100000.00}. I called them to complain because no houses in my area were used for comparison in the report, and the photos in the report did not reflect my home 's location or neighborhoods. 

The forbearance rule mandating that you had to pay the balance of the forbearance plus your mortgage in full for three additional months before you could be considered for a refinance delayed my ability to refinance. I believe that SLS used the undervalued and fraudulent home valuation report and my age to support this denial. 

The company also continued to send me foreclosure notices even after I paid my mortgage and the forbearance balance. While waiting months for SLS response, I tried to refinance but was declined because of the three-month rule. In the meantime, I lost my job. Now I can't refinance the loan. I have no incurred considerable financial loss and stress and am unemployed and trying to keep my home now. 

Had I been given the loan modification at the lower interest rate, I could have kept my head above water. I was told the INVESTORS declined to approve my loan modification, which is at 3.25 %. This denial has now cost me savings totaling {$1000.00} for XXXX XXXX and future annual estimated losses of {$3200.00} ( XXXX ), XXXX, XXXX, and on. The stress has been unbearable. 

Also, I asked for a waiver of the fraudulent {$15.00} home valuation fee, and that was declined ; this was the straw that broke the camels back.
Consumer complaint received 2021-05-25
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: Resurgent Capital Services L.P. (AZ)

3 months ago I requested and received my credit report. 

There was a negitive report that i did not recognize from LVNV Funding.

I contacted LVNV Funding requesting VERIFICATION by signature, according to the FDCA, and requesting them to notify the credit reporting agencies that the claim is disputed.

Instead of providing me with the verification as requested they sent me a photo copy of a judgement against some person that has the same last name as me.

They also threatened me with garnishment and seizure of my assets without proving that I owed any thing. 

They also will not report that the claim is disputed.
Consumer complaint received 2019-08-20
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 (CA)

A new XXXX bought the practice of my old XXXX. They are claiming that I have a XXXX bill from the previous XXXX  from 2008.  We have double coverage XXXX insurance and everything was picked up by insurance.  We never received a bill from the previous XXXX for the debt they are claiming we owe.  They have also sent it to collections and Capital Accounts has reported it to XXXX.  This is past the statute of limitations to sue AND to report to XXXX.  It is my understanding that a debt (if there was one, which there isn't) older than 7 years cannot be reported to XXXX  or any of the others.  I feel we are being scammed and bullied into paying something we do not owe.  I have attempted to explain this to them two different times.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020, I notified Transunion throughly CFPBs complaint portal, that two inaccurate late payments in XX/XX/2020 were listed on my credit report. The companies XXXX  XXXX and XXXX XXXX  are listed on my credit report as XXXX XXXX XXXX XXXX 

The complaint is as follows : XXXX, XXXX, Transunion, XXXX XXXX  and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX  XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 XXXX 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. 

Despite this, Transunion has not corrected my report. Their response was that no such accounts appear on my credit report and to check it again. This is completely inaccurate as the accounts are in fact on my credit report as XXXX XXXX  XXXX XXXX. Just for my own information, I purchased my Transunion profile from XXXX, and the inaccurate delinquencies are still there. This is a violation of the FCRA and is unacceptable. These inaccuracies caused my credit score to plummet and has completed disrupted my plans of purchasing a home.