davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
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)

Hi, my name is XXXX XXXX and i was going through my credit today again and the mail and noticed that i received basic template responses with a bunch of old statements. This does not validate the accuracy of this account and i specifically asked for all the documents pertaining to this account with XXXX  XXXX XXXX and i only received old statements. As per the consumer laws and it's provisions under the FCRA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. Also as per FCRA section 623 ( a ) ( 8 ), which gives me the ability to dispute the information directly with the original creditor or the furnisher. As you can see on the attachments, they've failed to provide me all the necessary documents that I've asked for, such as : a ) How you calculate the money you say I owe.

b ) Copies of the papers where I agreed to pay what you say I owe.

c ) The name of the original creditor or who it got transferred to.

d ) Demonstrate that you are licensed in my state, and provide this license number to me. 
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. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

The company randomly raised my mortgage from {$980.00} a month to over {$1000.00} a month. One employee said there was a tax increase, but no one else could see that information. After 6 -7 months of arguing with the company, they lowered it. But we fell behind trying to keep up with our day to day expenses. I have submitted multiple loan modification requests. I have mailed them, faxed them, and emailed them. Yet they regularly call me during working hours.. when I've answered the phone, most of the calls were dead air calls ( no one was speaking ). If there was someone there, I advised them ( not always in the nicest mannor ) that there were violating the FDCPA by calling me during known work hours. Their response was " we have no control over who gets called when. We use an automatic dialing system. '' The company constantly said that they didn't receive any of them. I submitted my last modification request, requesting to basically restart the mortgage at the {$980.00} monthly payment, but didn't hear a word about it, then received a foreclosure notice in the
Consumer complaint received 2021-05-23
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: WELLS FARGO & COMPANY (MD)

Wells Fargo is inaccurately reporting information regarding this debt including amount owed/date of last activity/ Date of First deliquency. Furthermore, this debt was discharged by the company and removed from one credit report but not XXXX or XXXX. It was also moved from the individual who opened the account credit report. I have disputed this a number of times but the company has not responded or tried to rectify. At one time they were duplicating this account on my credit report although the obligation for this debt has been released.
Consumer complaint received 2020-09-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company keeps adding this debt that was already removed twice that isn't mine! This collection company keeps fraudulently adding it to my credit bureaus and it needs to be removed. Again. 
Please stop adding this to my credit report as it doesn't belong to me! 

ACCOUNT XXXX
Consumer complaint received 2020-09-17
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: ID Analytics, Inc. (FL)

The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me. 
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c )  : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I do not understand why capital one has ran my credit 3 times in 5 days I never authorized this. this is total abuse and I want this to be removed CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I reviewed a current copy of my credit report and show incorrect information listed. Account name is XXXX XXXX account number is XXXX. This account has never been paid late and is reporting late payments on account and I attempted to have account reviewd with no reply and past more that 98 days. Please delete this account.
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CA)

XXXX XXXX approved of a mod modiciation but sold my loan to XXXX XXXX before the first payment of my trial period. A key debt forgiveness provision in the XXXX trial letter was unethically excluded from the final loan modification agreement, drafted by XXXX involving an incentive for over {$330000.00} in debt forgivement over the first three years of the payment period. Under XXXX XXXX, I was also approved for a Keep Your Home California ( KYHC ) debt forgiveness pay out of {$100000.00}. XXXX XXXX initially verified receipt of {$100000.00}, and in mortgage statements showed that a portion of the {$100000.00} was appled to future mortgage payments. XXXX then told me that the {$100000.00} was returned to XXXX, such that payments were instantly in arrears. XXXX XXXX also intercepted a mortgage paymentinvolving three ( 3 ) money orders earmarked for a mortgage payment, forged all 3 money orders,  and used them for the personal use of a nationstar employee and/or its associates and never gave me credit for that specific payment. I filed a police report with the Sheriff of XXXX XXXX County, in Califfornia where I reside and the case was transfered to XXXX Texas, where XXXX  headqquateres is located. XXXX XXXX sold my loan to Selene Finance who says the {$100000.00} KYHC funds were transfered to them but have denied my request for a loan mod. The XXXX XXXX told be there was NO {$100000.00} funds from KYHC but agreed to obtain a loan mod on my behalf, but have been 'stringing me along ' for over 6 months now, claiming my file is escalated, with a forclosure sell date pending of XX/X/2017.
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (AZ)

On XX/XX/2021, I sent a letter to XXXX  credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from XXXX  of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
Experian removed all inaccurate address and added more that did not belong to me.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc. (NY)

I was aware that I was the victim of identity fraud as someone successfully requested unemployment benefits from the NYS dept of labor in my name. I have since frozen my credit on XX/XX/XXXX with all 3 major credit agencies. I also signed up for credit monitoring. So far no alerts. 

On XX/XX/XXXX, I received a letter from Moneylion with a legitimate appearing debit card. I did not request this card and I have not activated it. From my reading this may be a bait card intended to obtain personal information. I am unable to reach this company as they are difficult to get a hold of and their website does not have contact info that works such as an email.
Consumer complaint received 2018-04-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

I received a court order of wage garnishment. I have no way of contacting the supposed lender and no one can give me there contact information to find out about the loan and see if I indeed do owe the amount, and if i do to work out a payment plan. I have until XX/XX/2018 to respond to the Law office of XXXX XXXX XXXX. I called them and couldn't get any info on debt collector and they were unwilling to work anything out other than what was on the notice of court proceedings.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

XXXX  has account number XXXX with XXXX/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!
Consumer complaint received 2018-04-02
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. (NC)

Ive spoken to transunion customer service several times about these inquiries and collections their under multiple spellings of my name different social securitiy numbers and birthdates even sent in a paper showing Im a victim of identity fraud and they wont take care of the negative inquiries and collections reporting on my report Inquiries *coaf XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *leasing XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX XXXX XXXX desk XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX in the XXXX XXXX XXXX $ XXXX XXXX collections and XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XXXX XXXX $ XX/XX/XXXX *credit collection XXXX XXXX XXXX $ XX/XX/XXXX XXXX
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NV)

A Discover Card solicitor called me around the beginning of XX/XX/XXXX in order to transfer two of my credit card balances to their card for a onetime fee and a 0 % interest rate for the life of the card which I agreed to. Upon receiving my first billing statement I discovered that my monthly payment was to be 2 % of the unpaid principle balance which was more than what i was currently paying for the other two credit cards. I would have never agreed to those terms if i was informed of them initially, which i was not. I immediately called and spoke to a Discover rep who stated that she would pull and listen to the original conversation then get back to me. I never received a follow up call. Upon calling them back I was then informed that they only keep the calls for 30 days and they no longer have my call on file. I requested that i speak to the rep who originally took my call when at that time they further explained to me that they do not keep records of who customers speak to when they call in. I had to reiterate my concerns and frustrations once again which they ultimately told me that the terms are what they are and I basically have to agree to them and start making payments which I refused due to the gross information that was initially conveyed to me. I truly feel like i was told half the story with no initial payment details being disclosed and Discover Card is turning a blind eye with ZERO personal accountability. I hope and pray that your institution will be able to aide me in remedying this matter. Your time and efforts are beyond appreciated. 

XXXX XXXX Cell XXXX
Consumer complaint received 2021-02-21
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: Experian Information Solutions Inc. (FL)

I have submitted a dispute regarding collection accounts to Experian,XX/XX/XXXX and the XX/XX/XXXX credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.
Consumer complaint received 2020-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (MA)

XXXX XXXX XXXX, XXXX XXXX XXXX, EASTERN ACCOUNT SYSTEM, XXXX XXXX, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On  accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days.  I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-03-04
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: Premium Credit Bureau (FL)

XX/XX/XXXX HAS VIOLATED THE LAW ALONG WITH PREM CRED. I DID NOT GIVE WRITTEN CONSENT TO PREM CRED TO PULL MY CREDIT. XX/XX/XXXX IS IN VIOLATION FOR NOT MAKING SURE ALL INFORMATION ON MY REPORT IS 100XXXX ACCURATE.
Consumer complaint received 2020-09-17
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. (VA)

This is a complaint about all three major credit bureaus. I have tried to change personal information through virtual means and have been unable to do so. The only way the process prescribes is to send supporting documents through the mail. It is the year 2020 when so many things are accomplished through digital or virtual means. It is time to be able to change one 's maiden name to one 's married name without having to send documents through the mail but instead so that they can be sent by virtual or digital means. I am complaining because Equifax, XXXX, and XXXX all refuse to change the process and emphasize that these documents can only be sent through the mail. This process needs to change because it is the year 2020 and making this more difficult for a woman who has either married or gone through a divorce should not be so ridiculously and utterly difficult.
Consumer complaint received 2017-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

This is an invalid debt and I am requesting help to resolve this matter. I have been receiving calls and have received 3 letters in the mail regarding this invalid debt, see attached documents. The dates of the letters were : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is illegally calling me and sending me fraudulent paperwork regarding an invaliddebt. They have violated the Fair Credit Report Act by attempting to collect an invalid debt that is past the statute of limitations. The original debtor is Capital One and the debt is from XX/XX/XXXX and was cleared from all three of my credit reports in XX/XX/XXXX. The amount owed is incorrect, I do not owe this debt.
They are also breaking laws and calling and harassing me several times a week even though I clearly
told them the debt was invalid and to place me on their do not call list. They repetitiously call and annoy me several times per week, see my list of numbers and dates below. Whenever they call they never identify themselves and I have to blatantly ask who is this? Calling from where? It is causing emotional duress and I suffer from XX/XX/XXXX as well. Here are some of the dates and numbers they have called from : XX/XX/XXXX ( Thursday ) XXXX XXXX XXXX XXXX . ( XXXX ) XXXX XXXX XXXX, CA XX/XX/XXXX ( Tuesday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Thursday ) XXXX XXXX ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX/XXXX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Wednesday ) XXXX XXXX , XXXX ( XXXX ) XXXX XXXX , TX XXXX/XXXX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MD XX/XX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Saturday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO XX/XX/XXXX ( Friday ) XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Saturday ) XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Thursday ) XXXX XXXX , XXXX ( XXXX ) XXXX XXXX , IL XX/XX/XXXX ( Thursday ) XXXX using some man 's number when I called back to verify ( XXXX ) XXXX he has been getting scam calls too and we have no idea how they used his number XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, OH XX/XX/XXXX ( Monday ) XXXX XXXX using man 's number ( XXXX ) XXXX XXXX/XXXX/XXXX ( Friday ) XXXX ( XXXX ) XXXX tried to call back but just busy signal I am requesting help resolving this matter as quickly as possible. I wish to no longer be contacted by XXXX XXXX XXXX, XXXX regarding this invalid debt via phone or mail. Thank you for your help.