davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
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. (PA)

My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

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 ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXX On The B Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed Atlcapbkself Installment Closed XXXX Installment Closed Self / Lead Installment Closed Deptednelnet Installment Closed XXXX XXXX XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX Installment Closed XXXX XXXX Credit card Closed XXXX/XXXX Installment Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

There are two judgments against me. Both debts are old.

1 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$11000.00} Current Balance : {$15000.00} I was out of the country from XXXX until XX/XX/XXXX. By the time I got the letter for the offer of final payment for {$4800.00}, it was too late. I called the law firm that sent me the letter that this bill is more than 8 years old. They said I was obligated to make payments. 

2 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$30000.00} For Judgement # 2, Citibank cleared out my checking account back in XX/XX/XXXX. I wasn't aware of the judgment against my bank account until I got a phone call from the law firm XXXX XXXX XXXX. They wiped out the money I saved for my rent and car payment. At that time I had just moved to XXXX, Ca to move my mom in with me and have been supporting her because she's not working due to her poor health. 

In XXXX my mom went into retirement due too her health, I lost my job in XXXX due to the recession and since then it was challenging to find work. At the time we all lived in XXXX XXXX. In XXXX we were out of the country and in XXXX we moved because we couldn't maintain the rent, with only me working and mom only getting XXXX income. I moved to XXXX. Then in XXXX I moved to XXXX. I just learned about these judgments as of XX/XX/XXXX becuause my checking account was emptied out by Citibank. 

I am still the head of the household and am still supporting my mom. I can not afford to pay these judgments. Is it past the statute of limitations for them to try to collect debt?
Consumer complaint received 2019-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NY)

I was not aware of this collection which I recently noticed on my credit report. I was never contacted regarding this collection by Quality Asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. 

QUALITY ASSET RECOVERY XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$440.00} {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (CA)

the XXXX XXXX XXXX XXXX sent me a bill for a toll infraction in or about XX/XX/XXXX. I responded letting them know the vehicle was a lease and returned to the dealership in XX/XX/XXXX before the infraction. They asked for proof of the vehicle return, which i faxed in. The XXXX  responded wanting more documentation of the vehicle return before the infraction date. I faxed more documentation as requested. On XX/XX/XXXX I received a collection notice if I didn't dispute the validity of the debt within 30 days the collection would be considered valid. Unfortunately the 30 days ends today and I have to pay even though the debt is not valid. 

I would like to attach documentation at future date
Consumer complaint received 2019-06-05
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. (TX)

SOMEONE GOT A LOAN FROM THIS CO. USING SS # & INFO .... THERE ARE THOUSANDS OF XXXX XXXX IN TEXAS MUCH LESS THE WORLD ... PLEASE HELP! THANKS
Consumer complaint received 2023-03-28
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. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I opened a Citibank account online on XX/XX/2019. I received a debit card, and the checking account. I made two deposits in the account. Because i was told if i didnt, the account would automatically close in 30 days. To my knowledge my account was open. My employer sent me a XXXX transfer for {$2500.00} on XX/XX/2019. I called because although i saw the money, i couldnt transfer the money to my XXXX  XXXX XXXX account. I was told that i had to upload my ID, social security card and utility bill. 

The next day someone called me and said, everything was accepted except my utility bill. I explained to them, i have no utility bill, its in my roommates name.. and the building just sent out a letter saying that utilities starting in XXXX will be included in rent. They told me i could send in the utility bill thats in my roommates name, as long as the address matches the address on the account. I explained to them. Rent is due and i need to pay my rent. I also explained to them that a late fee will be applied. They said everything takes 5-10 business days. 
My issue is if my account wasnt all of the way opened, or if any account is opened online.. where is a disclaimer saying that your account is not fully opened. And why take deposits until you gather everything you need to make the final decision. I plan on going to small claims court and suing for XXXX.. because this is absurd. No one has yet to help.. i have even contacted the ceo of Citibank, and no reply or call back XXXX
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Service (ID)

XXXX XXXX XXXX XXXX is still trying to collect debts that have been resolved by the court or paid for. XXXX XXXX shows one debt as being paid and the other the cost ruled in my favor to have the county pay for the debts. 
There are multiple debts this company is claiming which are false. The paperwork supplied by me shows it as paid and the county to pay the other from two different hospital stays one in XXXX and the other XXXX both from 2018.
Consumer complaint received 2020-11-18
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)

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

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 ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

In XXXX I notice on my credit report that this company was reporting I owe them a debt. I reached out to the company on multiple occasions to verify the debt and explain to me what methods they have used to verify such. They have yet to send any of the information I requested and continue to report this Information to the CRAs
Consumer complaint received 2020-11-18
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. (PA)

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

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, XXXX U.S.C. XXXX, XXXX C.F.R XXXX. See Also XXXX C.F.R XXXX ( b ) In accordance with FCRA, Section XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX ) XXXX ( XXXX ) {$0.00} balance 120 days late XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) {$180.00} XXXX  XXXX XXXX ( XXXX ) U.S. Department of Education ( XXXX ) {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

Target Card Services agreed to and email a 48 month payment plan on XX/XX/XXXX. On XX/XX/XXXX, I attempted to make payment on XXXX online website. I have had access since XXXX but was denied access. I used XXXX XXXX Bill Pay to forward the agreed upon payment amount XXXX and received charge off on XXXX XX/XX/XXXX.
Consumer complaint received 2020-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with XXXX and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with XXXX and Equifax, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( XXXX ) and XXXX ( Equifax ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I arranged auto payments thru Kohl 's credit account management. I selected " pay in full '' each month and provided my checking account information. For several months, the payments were timely but in XX/XX/XXXX, the payment was not made due to Kohl 's error, no changes to my checking account and my balance was sufficient. I was not notified about the late payment until XXXX, after it was reported 30 days late. Immediately, I paid the entire balance and closed my account when they refused to correct the negative report. Kohl 's ultimately reversed all late fees and sent a check to me. I made two written requests to Kohl 's ( XXXX and XX/XX/XXXX ) detailing their error and offering proof of prior auto payments yet they refuse to correct the error. I advised Kohl 's that they even reversed the fees and this is the sole negative remark on my entire credit report which is resulting in increased mortgage interest, aka financial damages. I was a loyal Kohl 's customer over 10 years and my credit report is otherwise flawless. I have a strong history proving all of my accounts are paid in full monthly. This is an auto payment error on their side.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (DE)

LexisNexis is reporting inaccurate and unverified information, this information should be deleted from any consumer report they have generated without my consent immediately! 

I never gave LexisNexis permission to generate any consumer reports or share my information with any 3rd parties. Nor did I give anyone that I've done business with to report anything to LexisNexis.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: United Collection Bureau, Inc. (FL)

United Collections Bureau XXXX is attempting to collect a debt that is inaccurate and false. Please remove this account from my XXXX, XXXX, and XXXX credit reports and force United Collections Bureau to cease contact with me.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of Capital One. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like Capital One. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.
Consumer complaint received 2020-11-18
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. (MI)

XXXX 2020 Experian has sent me 2 different credit reports for two separate people in response to my 30 day campaign in which I write a letter to each of the 3 credit bureaus disputing information, everyday for 30 days. In response to these letters, Experian has sent the accurate credit report ( mine ) and then the next day sent another person 's credit report to me. Someone who is married, lives across the country. I'm single, never been married. Experian is mishandling personal, confidential and sensitive information and it is illegal and irresponsible and they have ruined my credit with their inability to manage information properly.
Consumer complaint received 2024-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Onity Group Inc. (CA)

I'm trying to sell my home and there is a XXXX  lien on the title report. The loan was taken out in XXXX with XXXX/GMAC who went bankrupt and it was transferred to Ocwen. I received a letter from Ocwen stating they will be serving the loan on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX. Ocwen is now PHH Mortgage. When my escrow company went to order a payoff they stated they couldn't find my loan. We provided my name, address, social, my ex-husband 's social, and the loan number and they still can't find my loan. I also called XXXX  and they showed the file as inactive and they showed Ocwen as the servicer and XXXX XXXX  as the trustee. 

I need either a payoff quote, XXXX demand letter, or release of lien so that I can sell my house. We're supposed to close escrow on XX/XX/XXXX. 

If Ocwen is no longer the servicer then I need to know who is the new servicer. I haven't received anything from Ocwen since XXXX which was a privacy policy notice letter. The title company has stated there is no assignment of mortgage recorded. 

I've attached a letter from the PHH stating they can't locate the account, a copy of the recorded lien, title report showing the lien, XXXX  findings showing Ocwen, and letter from Ocwen showing the will be servicing the loan.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$660.00}. I have tried many times to get this verified with no such luck. Please review for deletion.