davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (CT)

I filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine : XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXX ... Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have sent numerous dispute requests to XXXX, Equifax and XXXX to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my Equifax, XXXX and XXXX reports.
Consumer complaint received 2019-10-29
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. (GA)

There are accounts from XXXX XXXX XXXX on my credit report they have been removed from other credit companies this has been going for months they take the accounts then place them back then take them off again just alot of up and down they need to be removed and deleted XXXX  XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$36000.00} XXXX  XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$25000.00}
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Two collection accounts appeared on my credit report in XX/XX/XXXX. I disputed them with Experian under report # XXXX and that dispute ended with the account information being updated and verified. I disagree with that result. When I first saw the two accounts that are in collections, I noticed they were related to private loans I took out in law school in XXXX or XXXX. Some time after graduation in XXXX, I consolidated my student loans and assumed that the private loans had been included. I never received a call or spoke to anyone from XXXX, XXXX and XXXX. I never heard of that agency until this XXXX. The collection accounts do not show on my XXXX report but does on XXXX and Experian. By the way, I had to paid {$25.00} on the XXXX website just to access the dispute page ( I did not yet submit a dispute to XXXX ). I think this payment requirement is very unfair. XXXX says the collection accounts were opened on XX/XX/XXXX. However, when I told the Experian customer service rep that the loan dates back more than 15 years, she explained to me on the phone that the XXXX account was opened in XXXX and said the account should fall from my credit report in XXXX. A review of the Experian credit report does not show a XXXX date anywhere, so I see the XXXX comment was a way to get me off the phone and accept the result. I would like the two collections deleted simply because it is a debt I never acknowledged. I had no interaction with the agency. XXXX is trying to recover a debt that was incurred more than 15 years ago.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NJ)

Attempted to open checking account with TD Bank on XX/XX/20. On XX/XX/20 I was told that they could not verify my identity, and that they were closing my account. I requested my {$25.00} opening deposit be returned to my XXXX checking account. 

On XX/XX/20 I received a statement from TD showing that they are charging me a XXXX XXXX  monthly maintenance fee for the account that they said was closed in XXXX. 

I tried to contact TD about this without success.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Two collection accounts appeared on my credit report in XX/XX/XXXX. I disputed them with XXXX  under report # XXXX and that dispute ended with the account information being updated and verified. I disagree with that result. When I first saw the two accounts that are in collections, I noticed they were related to private loans I took out in law school in XXXX or XXXX. Some time after graduation in XXXX, I consolidated my student loans and assumed that the private loans had been included. I never received a call or spoke to anyone from XXXX, XXXX and XXXX. I never heard of that agency until this XXXX. The collection accounts do not show on my XXXX report but does on Transunion and XXXX. By the way, I had to paid {$25.00} on the Transunion website just to access the dispute page ( I did not yet submit a dispute to Transunion ). I think this payment requirement is very unfair. Transunion says the collection accounts were opened on XX/XX/XXXX. However, when I told the XXXX customer service rep that the loan dates back more than 15 years, she explained to me on the phone that the XXXX account was opened in XXXX and said the account should fall from my credit report in XXXX. A review of the XXXX credit report does not show a XXXX date anywhere, so I see the XXXX comment was a way to get me off the phone and accept the result. I would like the two collections deleted simply because it is a debt I never acknowledged. I had no interaction with the agency. XXXX is trying to recover a debt that was incurred more than 15 years ago.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

Please be advised that I refinanced my home through XXXX XXXX XXXX XXXX with their representative XXXX XXXX and XXXX XXXX the attorney representing Home Point Financial, the new lender. It has come to my attention that the loan pay off funds payable to XXXX XXXX XXXX fraudulently was misdirected to an account controlled and owned by XXXX XXXX XXXX and or XXXX XXXX called XXXX XXXX XXXX instead of XXXX XXXXXXXX XXXX. 
This fraud has resulted now in their existing two competing mortgages on my property. I have been told by the title company XXXX XXXX XXXX that XXXX XXXX XXXX needs to put forth an immediate title claim as their existing lenders. 
But XXXX XXXX XXXX refused to put in a claim stating that Home Point Financial who did the refinanced would have to put in a claim, which XXXX have contacted Home Point also and have requested Home point to file a claim. But Home Point Financial refused to put in a claim as well.
Consumer complaint received 2020-05-06
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. COLLECTIONS XXXX {$300.00} COLLECTIONS XXXX {$290.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$76.00} XXXX XXXX {$570.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$420.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$12.00} XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2019-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

Disbursement XX/XX/XXXX nct and Aes service provider. The original amount financed was XXXX and was a full deferral loan. The highest balance was XXXX. Since XX/XX/XXXX I have paid XXXX, and XXXX of the XXXX was intrest. Only XXXX was applied to principal. 

I have attempted to request amortization chart and receive nothing from them. I have asked AES a number of times how the intrest is caculated and what my interest rate is. According to AES my intrest rate is varible and is XXXX. I can not rap my head around how I have paid so much interest and how they have no paperwork regarding ownership or loan details. Also my paperwork loan repayment says 102 months repayment how is that possible when i have been paying since XXXX? 

I just submited a complaint a few months ago and All they sent me was my payment history. This is obsurd and I honestly feel as it they should send detailed loan information providing and supporting amortization and proper distribution of funds. The repayment plan is also incorrect. They seriously need audited and individuals need to be compensated their money back or have their debt resolved and forgiven. They can never provided documentation and if they send any correspondence it is never complete or is missing information or has non matching information. 

I hope my concerns and complaint is handled in a timely manner
Consumer complaint received 2020-05-06
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. (IL)

I checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.
Consumer complaint received 2019-10-29
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: CITIBANK, N.A. (CA)

Since XX/XX/2019 Macy 's Corp has used unfair and deceptive practices to commit a fraud on this complainant. Upon finally understanding the scope of this fraud legal counsel was contacted and he advised to contact the credit reporting firms and file complaint with the FTC. Upon inquiry, the CFPB appeared to be he government agency to contact. In summary, Macy 's is reporting that the balance has not been paid on the account. That is false. A check to them for the balance of {$32.00} was sent to them on a timely basis. They informed that they destroyed the check and seince then have continued to add late charges upon late charges driving the balance to a current total of {$170.00}. In addition, they have caused damage to my credit rating causing it to decline from a high of XXXX to XXXX. All the correspondence and details of this sordid matter have been fully reported to the credit reporting bureaus. They have now begun to harass me with having collection firms calling me on the matter. Worse, they wrote to me about providing a credit due to their error, but that was never realized. A through review of the correspondence, billings and payments will support my position on this matter. Macy 's needs to be prosecuted for their unlawful and fraudulent conduct. Please advise to where I should send copies of relative additional documents. I trust that the CFPB will find that their conduct has been unlawful and deceptive and find for this complainant. Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2017-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (IN)

XXXX SOLD ACCOUNT TO TO COLLECTOR TO WHOM VIOLATED THE F.C.B.A. 
AND FDCPA AND FCRA AND T.C.P.A. AND THE DODD-FRANK ACT. 
WE ARE SUING XXXX AND COLLECTOR IN CLASS ACTION EFFORT! WE ARE NOW ADDING XXXX TO SUIT.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (IN)

I was never given due process i was never served the opportunity to pay this in court .i was notified there was even a court i received the garnishment order in the same week they are garnishing my check ... i am in process of trying buy a home and currently dnt have a place of my own. I wasnt informed of this debt from 2007 and believe it to been paid in full in 5yrs ago! I heard nothing from jcp or debt collectors referencing this debt ever sense then suddenly 5 yrs later without a warning my check i get in 5 days will be garnished over 300! I would have been grateful if given the opportunity to even claim ownership of it or given the option to pay it or informed of a court date ... i would have glady showed up and fixed this in court but jcp skipped due process and went straight for my wages after 5 yrs of being silent like a paid in full debtor normally would so how am i to know u want money from me? ... my wages were attached b4 i knew of this debt.i was neglected my rights and due process and wasnt given no knowledge i was being sued or opportunity to be in court or pay myself ... soon as i received the garnished notice i immediately made calls tryn to resolve the confusion of the debt in question even pay to prevent further actions and i live in indiana and law office of XXXX XXXX XXXX XXXX il collecting payments for the plantiff jcp even though due process was refused me refused to be able to assist me said i had to call jcp directly and jcp said i had to call meyer & njus directly. my check is already being garnished over 300 per check despite my attempts the letter of garnishing and my attached pacheck are within the same 6 days which left me no time to resolve or address the matter..i would have paid this debt in court rather i believe its mine not if i knew it existed and was given that option ... its not ok to attach anyone wages that u feel owes u without first giving them the opportunity to show up in court or pay it their self
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that NCB MANAGEMENT would verify the debt. So I took it upon myself to ask NCB MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2020-05-06
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my social security.
Consumer complaint received 2020-11-19
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. (MI)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-19
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. (MI)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-15
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: SYNCHRONY FINANCIAL (PA)

I have an hard inquire from old Navy in XX/XX/2020, I didnt applied for any credit card in that time but the inquire is there and is affecting my credit score. 
I called the company and they say that dont have information about that and they was asking for my social security and information even that say that they cant help me to solve the problem.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

PORTFOLIO RECOVERY IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (NJ)

Received personal credit report produced by XXXX with the Innovis logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this message finds you well. I recently discovered late payments on my mortgage account ( XXXX XXXX ) during a credit report review. I have consistently made on-time payments, and it seems there may be an error in reporting.