davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NC)

I am writing to request a removal of the following information that appears on my XXXX  and XXXX  credit files. When I contacted your company last year in XX/XX/2019 I verified with your company that charge for XXXX XXXX in the amount of {$260.00}, I was not responsible for because I have canceled the insurance for the car and the car has been sold. Your company had verified this information and agreed to cease collection. Since that conversation I haven't received anything else from your organization. 
However, I have recently checked my credit and it shows a first delinquency date of XX/XX/2019 the car that was insured with XXXX was sold before that date, so this information is inaccurate. Also, the date assigned is not accurate because it is totally different from the date of first delinquency. According to FCRA guidelines inaccurate information listed on a persons credit report must be accurate. This information your company is placing on my credit report is not accurately and must be removed as soon as possible
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I have an account that i will at least once if not twice a year make a lump sum payment towards ( 4 times my normal ). On the most recent I contacted XXXX XXXX at the Presidents office to make her aware it was being done again. About 3 weeks ago, i received a call last week from another agent stating i would NOW have a balloon payment at the end north of {$2000.00}, i told her i never had that in my normal contract and as of XXXX no paperwork has been mailed to me. I again spoke with XXXX on XXXX about the {$990.00} ( XXXX ) {$38.00} ( XXXX ) payment and she informed of some change and if i wanted to continue that would how it work. I told her NO i wasn't going to agree to the new terms reducing my monthly from roughly {$250.00} to XXXX with a balloon payment at the end. I received am email from XXXX today stating my balance on my loan INCREASED instead. It went from {$7600.00} to {$8600.00} for NO reason. I have made payments in excess, lumps and always on time
Consumer complaint received 2020-09-12
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. (MA)

Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDXXXX. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The company has failed to verify the information on the credit bureau. 
XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies  when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (NY)

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

15 U.S.C 1681 section 602 A. States I have the rights 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 2020-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIRST NATIONAL BANK OF OMAHA (MI)

When calling the creditor to discuss, I am not getting an answer. I was never reached out to by the bank, nor the creditor about this " charge '' alone, even prior to the account being sent to collections. The account was not an active account.
Consumer complaint received 2020-07-20
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT :  {$380.00} XXXX XXXX XXXX ACCT : unknown AMT :  {$440.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX/XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2022-09-13
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. (FL)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX closure date : XX/XX/XXXX balance update : XX/XX/XXXX. Past due balance listed : Date of last payment XX/XX/XXXX at {$17000.00}. 
Showing on my credit report as closed amount of {$2600.00}. I disputed on my credit reports and would like help removing as it is five years statute of limitations with a car loan. This is preventing me from getting future credit and negatively affecting my daily life.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/XXXX I filed a complaint with the CFPB regarding my mortgage holder PennyMac. I explained that they failed to timely pay my taxes and a late fee of {$410.00} was now added to my property tax bill for XXXX. I also requested that as punishment for failure to fulfill their fiduciary duty and contractual obligations that my escrow account be divested from my monthly mortgage payment and that I be allowed to pay my insurance and taxes myself. The taxes have since been paid, only in response to my compliant with CFPB, and my escrow account has been divested from my monthly mortgage payment. Because the taxes and insurance have been removed from the monthly payment, the new amount to pay each month was to be {$1500.00} starting XX/XX/XXXX. Because I have a standing {$450.00} additional principal payment each month, the new amount as of XX/XX/XXXX should be {$2000.00} ; HOWEVER, on XX/XX/XXXX PennyMac wrongfully withdrew {$2800.00} from my checking account ( which is my previous mortgage payment ). This action by PennyMac once again breaches their fiduciary duty, commits the civil tort of conversion, commits the criminal act of theft, and is a breach of contractual obligations in violation of the commitment letter sent to me by PennyMac dated XX/XX/XXXX which altered my mortgage contract with PennyMac. PennyMac has once again shown through their actions, and lack of action, that they are entirely incapable of financial management. I am demanding the following ( 1 ) immediate return of the {$750.00} PennyMac stole on XX/XX/XXXX via direct deposit into my checking account, ( 2 ) immediate suspension and removal of the PMI monthly payment from my mortgage account as financial punishment for their continued wrongful civil acts and criminal acts, and ( 3 ) immediate return of the outstanding monies in my previous escrow account via direct deposit today ( XX/XX/XXXX ) which I have yet to receive from PennyMac as previously promised. I have been dealing with XXXX XXXX at PennyMac who's phone number is XXXX, extension XXXX.
Consumer complaint received 2020-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Analysts of MN, Inc. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. 

PROFESSIONAL CREDIT Last reported XX/XX/2020 {$2400.00} in a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof,
or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2020-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (HI)

In order to refinance my current mortgage, I have been asked to provide a copy of the HELOC Loan Agreement I have with Wells Fargo. I am not refinancing the HELCO, but keeping it open. Regardless it is a debt that I need to declare to refinance. I have repeatedly over several weeks asked by email and phone for Wells Fargo to provide a digital copy or to mail me a copy. Repeatedly they open cases and submit requests to get the paperwork sent to me and I have to date received nothing. I am now at the end of my rate lock period and this one document remains outstanding. I am extremely displeased with the lack of professionalism and incompetence within Wells Fargo that holds up sending out a document for a Loan which I am NOT looking to cover in the refinance. I have told them this. Regardless, that is my decision and whether Wells Fargo wants to retain my loan servicing or not they have no right to delay providing copies of the loan agreement. Regular monthly statements are posted on my customer page, why is this so hard for them to provide a simple document which I know they must have?
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. (NJ)

On or around XX/XX/year> I filed a dispute with Transunion in connection with a fraudulent account that was being reported on my credit report. The account was opened fraudulently using my personal information without my knowledge or consent. As such, I filed an FTC Identity Theft Report online. I submitted a copy of the FTC Identity Theft report along with my dispute. On XX/XX/year> Transunion completed my dispute and stated that the identity theft block request was denied because the document submitted does not appear to be a copy of an official valid law enforcement report that can be accepted. However, the form was submitted and downloaded directly from the FTC 's website. There is no other affidavit to submit. The affidavit submitted was absolutely valid and must be accepted by Transunion under FCRA 650B.
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC (OH)

Called my wife about an alleged debt. Then called me. I called back and the woman asked if my wife was available I said no and said I'm her husband. She accepted that as fact without verification and went on to tell me about some debt incurred in XXXX of 2017. When I asked her for a verification of debt she told me I would need to do that in writing and that if I was trying to buy time it wouldn't work. Debt collectors are required by law to proffer a VOD.
Consumer complaint received 2018-06-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (TN)

Requested payoff quote from Selene Finance on XX/XX/XXXX. XX/XX/XXXX, still have not received the payoff quote. Called again and representative was very rude. Finally said request would be expedited and should have within 24 hours. As of today, XX/XX/XXXX, still no payoff quote. Called again and representative was again rude and refused to give a timeframe for when payoff quote will be provided.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CA)

In I believe it was XXXX, I filed a complaint against XXXX  for not knowing who they were. I reviewed their response to this bureau, and they removed their listing on both XXXX  and XXXX, but they failed to remove it on XXXX. 

I got this long response about how the case had gone from here to there, and at the end of the day, they got this case in XXXX after it had been charged off by two companies in XXXX, and it was opened in XXXX. However you look at it, these two bill which were taken off my credit report last fall by the original companies, is over 7 years old, but due to the redaing of the XXXX account. theyd like to keep it on my report longer. 

I had expected to see this company off of my XXXX  report as it was taken off on the other two, and I was surprised to see that they think they can keep it on, but I am not shocked, as this is how they have answered letters previously sent to them with Xmas card like offers, etc. 

I have copied my XXXX  report as it is today. This appears to have been ignored in XXXX, they say they couldnt get a hold off me, and that in XXXX, its still due. 

If the companies have had the original debt drop off for reaching the 7 year mark, so should the collection agency. 

I asked for very specific information from this company in my letter, and it has never been recieved. The information being reported is not correct.