davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (UT)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2021-02-11
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. (TX)

I have disputed XXXX XXXX Services on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. XXXX XXXX  honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to XXXX XXXX about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to Transunion and XXXX 12 missed or late payments.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account has been re-aged and shows 2 different years in the date of last activity! Remove for violation of 5 US Code 1681a ( 4 ) by reporting mis-information. Please see the credit report attached. If this is not removed within 15 days I will be taking this to small claims court. Attached is the credit report and the letter sent to the creditor which is dated and time stamped.
Consumer complaint received 2021-05-03
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 have just recently submitted a complaint by the CFPB to Transunion on an account by XXXX XXXX Transunion was beyond the 30 day limit for validation of this account under the Fair Credit Reporting Act and have decided to open a new Investigation beyond the allotted time to verify this account, I have sent them numerous documents in the past including a XXXX Police Report for Identity theft and FTC Identity Theft Report but TRANSUNION just keeps verifying this account despite all STATE AND FEDERL LAWS, they have elected to ignore all FDCPA and FCRA laws and have not shown any methods used to verify this account including to whom they spoke with, time an Dates, and what documents used to substantiate they're claim. I am uploading the previously sent documents to Transunion as it pertains to this old matter.
Consumer complaint received 2023-01-09
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. (PA)

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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I HAVE REACHED OUT TO EQUIFAX NUMEROUS TIMES, I AM SO TIRED OF THEM. I AM PREPARED TO LAWYER UP,. BECAUSE OF THEM I WAS HOMELESS. THEY NEED TO REPORT ACCURATE INFORMATION. I NEED FOR THE ADDRESS " XXXX XXXX XXXX XXXX XXXX CA XXXX ' TO BE REMOVED FROM MY REPORTS. IMMEDIATELY. I WILL FILE A COMPLAINT EVERY SINGLE DAY UNTIL THIS IS RESOLVED
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (NY)

XXXX XXXX claimed that I owed them {$180.00} due to clerical errors on their part, even though I paid them in full in XX/XX/XXXX. In XX/XX/XXXX, they erroneously gave me a {$80.00} refund on a XXXX XXXX. I called them to report this error, and they removed the balance from this card. A month later, I got another statement from XXXX claiming I owed them {$180.00} for XX/XX/XXXX, even though all statements after XX/XX/XXXX showed no balance. The attached statements tell the story of this {$180.00} charge mysteriously appearing in XX/XX/XXXX, after a mystery {$80.00} credit was issued in XX/XX/XXXX. Note that I closed my account in XX/XX/XXXX. 

My account was sent to collections with Credit Protection Association, where I was continually harassed via phone calls. I got sick of the harassment, so I paid the {$180.00} just so they would stop. However, I was not aware that a fraudulent entry would stay on my credit reports. 

During this entire time, I spent countless hours talking with CPA & XXXX, explaining what was going on, and disputing this amount owed. Neither company attempted to investigate this error.
Consumer complaint received 2020-11-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

PennyMac is not adhering to default servicing guidelines and is providing me with loan modification terms that have expired. Since COVID hit the US, I have experienced financial hardship with my loan servicer company. I was offered a forbearance and requested loan modification loss mitigation options to bring my loan current. Filled out the information online and did not hear back from the company. Went out of town to assist my XXXX year grandfather with medical issues. Upon my return, I received a soaked loan modification package that had been left in the rain. The terms are not legible and unable to make out the loan information. Please note, this information was not communicated to me by my SPOC which is concerning. When I called PennyMac I was transferred numerous times to unqualified representatives that could not assist me. 

Most important my XXXX XXXX XXXX has not contacted one time throughout this process which does not adhere to CFPB and OCC guidelines. Today, I received another loan modification package with states loan documentation must be notarized and accepted by XX/XX/XXXX, and first payment due XX/XX/XXXX which was 9 days ago. REALLY!! I would like a new loan modification package to be sent to me and first payment due on XX/XX/XXXX. I really don't know if I need loan modification but PennyMac has not provided me with information to explore my loss mitigation options. THIS TREATMENT IS UNFAIR AND DISCRIMINATORY.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MN)

There are several paid collections from XXXX and XXXX. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the Home Depot but it is still showing on there too.
Consumer complaint received 2022-04-26
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: Resurgent Capital Services L.P. (IL)

This is a follow up to complaint XXXX and XXXX. My name is XXXX XXXX XXXX social ending in XXXX. Please note got a email from XXXX XXXX XXXX XXXX representing LNLV Funding stating this isnt my debt and that they arent suing me. please find the letter attached. My added complaint is that even after recognizing this is not my debt they are refusing to still refusing to withdraw the lawsuit they summons me for at my home at XXXX XXXX XXXX XXXX Illinois XXXX. I have told them there is no XXXX XXXX but myself that has ever lived here. I am very concerned that they are going to try to get a default judgement by refusing to cancel the lawsuit. Please note they had no DOB OR SSN or middle initial on the summons. This is a different person with the same first and last name as mine. please help asap the court date is XX/XX/22 docket number XXXX and XXXX. THIS IS THE SAME CASE BUT THEYRE LISTING TO MANY ZEROES. Please help ASAP. They illlegally served me for what belongs someone else.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (NJ)

Good Afternoon, I was sent numerous letters from TRS Recovery Services , Inc., regarding two alleged transactions that originated with XXXX XXXX : XXXX ( XXXX ) for {$100.00} XXXX ( XXXX ) for {$50.00} The current creditor is listed as " TeleCheck Services , Inc. '' However, at no point has there been outstanding debts with that company. I reviewed my bank statements and my deposits/withdrawals with XXXX, and there are no discrepancies. I spoke with XXXX XXXX, the alleged original creditor, and was told that there were no outstanding debts and that I should ignore this request. 

However, I am still getting letters from this company and would like to report them for fraud and misleading practices. 

Please let me know if I can provide any additional information.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

The XXXX Credit Bureau is reporting inaccurate information on COMENITY CAPITAL/HSN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

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. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Convergent Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

USbank closed my account but did not delete my information. It is unlawful. I need them to delete all my account information on my online banking. 

They closed both my checking and credit card account. The checking account information has been deleted, but the information of my credit card still remains on my online banking account. It has my name, address, phone number and all important informations. 

USbank does not provide any reason to close my account. That is fine, although this is stupid because I did not violate anything. But I have the right to require them to delete all my personal information online.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated my credit report.
Consumer complaint received 2022-04-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Convergent Account 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 XXXXXXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-03
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-04
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OR)

My LexisNexis report is enabling me to get verified for employment and housing because the person information the agency are reporting is fraudulent and was listed on my Identify Theif report my name has a middle name and a different ssn is reporting so I cant be verified by any employers and creditors I have dispute by correspondence and on the phone but CRA willfully not deleting the fraudulent information addresses and Names and ssn number thats a violation of the fcra
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

I am reaching out to the CFPB for assistance in hope the CFPB will look into any illegal servicing activities SPS has done in regards to my application assistance in trying to save my home. I have been past due on my mortgage for many years now now since XXXX and sine the first time falling past due I have applied for a loan modification on my home with SPS with no luck I have submitted all items required to be reviewed and each tome it takes them months to make a decision or request more documents. Last I submitted most recent on XX/XX/XXXX I sent them all documents for assistance but after a few weeks when I called in for a status update they stated they have denied my application and refused to send me a denial letter. I feel like SPS is not interested in helping me save my home and are more interested in foreclosure. I am XXXX XXXX XXXX and I do not know how many more years I have on this earth I am asking SPS and CFPB to help me save my home once I pass away I will be more than happy to sign any documents ahead of time where the home will go back to SPS. I have grandkids that I take care of and I would love to keep a roof over their heads while I still rome this earth. Please help me save my home, the last time SPS helped was with a huge repayment which I cant afford. Please help me
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (PA)

My XXXX XXXX account was compromised earlier this year resulting in several transactions that were not mine. I timely disputed the charges online and spoke with Customer Service multiple times. XXXX XXXX told me in writing not to pay the charges until the dispute is resolved. I have since learned that my account was compromised through written notification from XXXX XXXX. Despite the above, XXXX XXXX has placed my account into collections and is making negative reports to the credit reporting agencies. I have on a weekly basis communicated with XXXX XXXX by telephone to explain the situation, to no avail. I am getting dozens of phone calls a day from XXXX XXXX trying to collect this debt that is not valid.