davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I.C . SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2020-07-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I had no idea about this debt and lately I received a letter from this law firm. I checked on XXXX about this law firm and all I see is bad information. I contacted them for the first time and the lady who answered the phone was rude, she wanted me to pay over the phone and due to the bad information about them, I decided to pay part of the debt online. After I paid, about 15 days later, I checked my credit report and it was showing that I owe the same amount, they didn't deduct what I paid ( one third of the debt ). I filed a dispute at XXXX  and one month later I got the results, the reported that I owe the same amount, not deducting what I paid. I contacted them today and the guy " XXXX  '' was rude, said that I don't know what a dispute is, also said he is not going to send any information to XXXX. I tried to find an email address to this collection company and there is no contact information. I tried to prove to XXXX  that I paid part of the debt, they said there is nothing they can do. Is this what a Citizen has to go through? Where is the Law???? Where is the Justice?
Consumer complaint received 2020-07-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (MN)

US Bank will not send a release from the loan. 
Loan was for boat, trailer, boat motor, complete package. 
Loan was in XXXX. Loan was paid back in XXXX. 
Release was sent to me from the bank in XXXX. 
The released listed the Boat, the boat again, and the motor. 
That's right, the boat was listed twice but no trailer listed at all. 
The boat, trailer, motor was used yearly until 10 years ago when it was placed in storage. 
When removed from storage the trailer tabs could not be purchased because US Bank had a lean on the trailer. 

I have contacted USBank 5 Times on the problem. Each time they understood the problem and promised to send a release on the TRAILER. 
Two times USBank sent a release on the BOAT. 
Two times they promised they would send the release and call back in three days to confirm its on the way. The calls where not even returned. 

USBank has the original purchase documents which they say shows the complete package. They have read it to me. 

I have the title for the boat. I have the release for the boat, BOAT again, and the motor. 

Here are my contact notes with USBank. 

US BANK XXXX in CREDIT SPECIALEST, XXXX of XXXX. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
Will take 3 weeks. 
XXXX XXXX press XXXX. 

US BANK Release came through for boat not trailer. 
Spoke again to USB, to XXXX XX/XX/XXXX. 
XXXX VIN Number : XXXX Frame : XXXX Model Year : XXXX XXXX he resubmitted the loan release. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
Release was sent for BOAT again on XX/XX/XXXX. 

US BANK account : XXXX checking. 
Spoke again USB, to XXXX XX/XX/XXXX. 
Says he does not have trailer VIN ... only has boat Vin. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
He Resubmitted again with trailer Vin. 
Says call : XXXX press XXXX than XXXX, than XXXX. 
He will monitor for loan peoples response for three days and then call. 

US Bank No returned call, no release arrived at all. 
Spoke again USB, to XXXX XX/XX/XXXX. 
Internal lending service department has to find the trailer. 
She said process was not done correctly and would do it differently. 
Can call her. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
She will monitor for loan peoples response for three days and then call. 

US Bank No returned call, no release arrived at all. 
Spoke again USB, to XXXX XX/XX/XXXX. 
Waited again 30 minutes to talk to someone and now XXXX says " he can't help me '', " I have the wrong department ''.
Consumer complaint received 2020-07-17
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Ive made several attempts to resolve this inaccurate information regarding the bankruptcy on my report. I have provided my police report confirming identity theft, contacted the Bankruptcy courts and Equifax and XXXX  has failed to delete the inaccurate information. Ive sent them a letter back in XX/XX/2020 and they have not responded as requested. At this point, my consumer rights have been violated according to the FCRA. The next step would be contacting an attorney and suing both bureaus. XXXX  has permanently deleted the inaccurate Bankruptcy.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from these company listings Late Over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCY. I am unaware of Late over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCIES.. 
Please validate this information with XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. A legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The inquiries not belonging to me are XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Please update my report and remove the highlighted accounts and inquiries.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is a mistake as I assume it to be. I have not been able to get any help form them for months now but I just remembered I could file a report on this website as I just feel they are not doing anything to help me and this is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-07-17
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)

XXXX has failed to update credit reporting. Ive requested to have the past due reporting updated to current and never late for my XXXX XXXX account opened XX/XX/2017. They have failed to report accurate information and have violated my consumer rights according to the FCRA.
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX DPEDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OH)

I did not open this card and now Im stuck paying on it.. I see on XXXX XXXX my monthly fee is $ XXXX  month. I can not afford that. I will pay $ XXXX   month and hope this is not negative on my credit report. I will also be filing police report on the person who opened this in my name.. I did not open it. My ex did and she used my new wifes name as well.
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I am receiving assistance with mortgage payments for 18 months from Florida Dept of Economic Opportunity. I have sent in letter to Mortgage and called several times regarding payments being applied. Payments were sent for XXXX and XXXX yet they have not been applied. I am not receiving any assistance locating and applying payments. I do not want any late payments applied on my credit report.
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I HAVE BEEN RECEIVING LETTERS IN THE MAIL FOR A WHILE NOW ABOUT ME OWING CHILD SUPPORT MONEY. IM NOT QUITE SURE WHAT ANY OF THAT IS ABOUT BECAUSE MY KIDS LIVE WITH ME AND I HAVE NEVER BEEN PUT ON CHILD SUPPORT. I ALSO GOT DENIED A CREDIT CARD FROM XXXX XXXX DUE TO A LOW CREDIT SCORE. I HAVE PULLED MY CREDI AND I SAW CHILD SUPPORT ITEMS AND LOANS ON MY ACCOUNT THAT DOES NOT BELONG TO ME. I STRONGLY BELIEVE MY IDENTITY HAS BEEN STOLEN. PLEASE REMOVE THESE ITEMS FROM MY REPORT.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My business account was closed due to a false fraud report from a client who wired transferred money to our business account in Bank of America. I accept that bank of america closed my account, but I do not accept that they're not giving me the funds left in that account. Since my company didn't commit any fraud, and the other part provided false documentation stating this. I have also filed a complaint to my Florida Attorney General 's office due to this matter.
Consumer complaint received 2017-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

In XX/XX/XXXX we worked with XXXX XXXX XXXX home modification, we were approved in writing and getting ready to make our modified payment and the next week we received a notice saying we were denied, we worked with our loan coordinator to find out why. Our loan coordinator told us to resubmit the modification, in the process of resubmitting our modification we received a notice that our loan was being sold to Carrington home Mortgages as of XX/XX/XXXX and our home is in foreclosure. I called XXXX XXXX  XXXX again this time the loan coordinator we were working with was no longer with the company and we now had a new one, in speaking with her she said " well your loan was sold and we no longer have any information on your loan, you will need to call Carrington home mortgages ''. I called Carrington on XX/XX/XXXX they told me that it is a new loan and they would n't have any information on the loan for up to 60 days. I told them I did n't have 60 day because my house was being foreclosed with a sale date of XX/XX/XXXX, they told me not to worry that, that Carrington owned the loan and that XXXX XXXX XXXX can not sell your home because we now own the loan, she said call back next week and see if we have your information loaded. I called back on XX/XX/XXXX, they still did n't have the loan information loaded they again told me not to worry that there would be a 60 day grace period and no sale should happen. They told me to try again next week to see if the loan information was loaded, I called again on XX/XX/XXXX this time they sent me to the collections department at Carrington, they told me that it was partially loaded but we were in foreclosure and there was nothing we could do or they could do to stop the sale, I said we were told to submit a modification, she told me that it was to late and nothing we could do our house was going to sell at foreclosure. I was told by 4 attorneys that this is how XXXX XXXX XXXX gets by with foreclosing on people they sell the loan right before the sale date when they know that it takes a while for information to be transferred to the new company therefore there is no time left and people are left without a home. All we want to do is pay our mortgage and keep our home we have lived in our home for 11 years, we have a XXXX XXXX child, and this is very traumatic and stressful on all of us. We are looking for any help to save our home before XX/XX/XXXX which is our sale date.
Consumer complaint received 2016-09-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Service Company, INC (NM)

Under Investigation of the New Mexico XXXX XXXX, the State has Frauded, Scamed and Made Theft of, a XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX