davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (VT)

The balance I owed them as of XXXX XXXX was XXXX, by this date they have charged me a total of XXXX $ in fees which they claim I owe them. Their collection fee is XXXX $ and I have been charged almost XXXX $ in interest fees and they continue to charge me those interest fees daily. I am being charged almost a thousand dollars in as little as 6 months and the balance keeps rising daily. I have tried to come up with a settlement with them and they will not take off any fees and continue raising the balance. The balance now is almost what the original loan amount of XXXX was, as if the XXXX $ I already paid doesnt amount to anything. When I originally signed the loan I was not informed of these fees that I would be paying if I defaulted in payments. This can not be legal
Consumer complaint received 2017-12-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I am in writing in response to a letter received from TD Bank on XX/XX/XXXX. Please see attachments for further details. 

This has been an ongoing problem with TD Bank. I have been willing and able to pay my mortgage for approximately over a year and a half at this point. The constant inter-departmental errors and miscommunications which have needlessly prolonged this situation seem to be continuing. 

Detailing the entire history of this account is beyond the purpose of this format. At this point, I am communicating through CFPB as a means of documenting and tracking my correspondence with TD bank. I received an escrow statement and application for CONSIDERATION for a loan modification. I have done this twice before with TD bank. each time, different departments erroneously altered terms due to miscommunications which led to my payments not being applied to my balance and continued foreclosure processing. 

Please see CFPB correspondence from TD bank on XX/XX/XXXX. The representative states that " He [ consumer ] can expect the Modification and Amendment Agreement to be mailed to him under separate cover, no later than 30 days from the date of our letter. '' I have not received any modification agreement to review. Moreover, this is the first letter I have received pertaining to my mortgage in approximately 150 Days, well over the 30 days stated in the correspondence on CFPB. 

My previous experiences have shown that the " modification application '' is a futile pursuit and I will not be expending resources to complete the application. Once again, I am fully committed to meeting my JUST obligations to TD bank and I ask that the bank reciprocate at least by means of clear and consistent communication.
Consumer complaint received 2019-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

A credit is showing an incorrect original date for this debt. It has been sold and resold so many times that this company has had it twice It has always been under dispute with the original company pending receipt of an original bill to prove charges were all mine The first debt collection was dated XX/XX/2015.
Consumer complaint received 2024-02-20
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-19
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. (IL)

I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.
Consumer complaint received 2022-03-31
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. (VA)

I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts immediately.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

PHH Mortgage Services is facilitating fraud and identity theft by an unknown third party. The property ( XXXX XXXX ) was foreclosed by the second lender in XX/XX/XXXX. Since then, the original first mortgage loan ( Account # XXXX ) has been fraudulently maintained, without my consent. 

Intermittent, minimum payments to the account are always late and made just prior to foreclosure by PHH. Accordingly, my credit report/score has suffered and the loan appears to be active. I have not lived at the house, derived any benefit from the property, nor made any payment to the loan since XX/XX/XXXX. 

( See attached : XXXX XXXX Deed, dated XX/XX/XXXX ; and, XXXX XXXX Tax Assessment, dated XX/XX/XXXX, for XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX )
Consumer complaint received 2021-02-08
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. (FL)

On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. The following items are reporting as shown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the XXXX data breach. I have attached a copy of the letter I sent.
Consumer complaint received 2017-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (DE)

There are 2 items on my credit report that not mine I have never open these accounts I have wrote a letter to credit company and files a Dispute with credit bureau and these items remain on my credit report also it not showing on my credit repair as disputed items
Consumer complaint received 2021-07-13
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: Experian Information Solutions Inc. (MO)

The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Current status : Resolved - claim not paid Help for Resolved - claim not paid layer Claim ID : XXXX Claim amount : {$2600.00} Initiation date : XX/XX/XXXX Merchant name : XXXX XXXX Transaction Date : XX/XX/XXXX Transaction Ref. # : XXXX Message date : XX/XX/XXXX Subject : We received your claim and it is currently being researched. 
That is the response I got from my credit card bank of America. I purchased a bag from XXXX and it was advertise as Authentic and with all the supporting documents included, I believe the seller but the bag was broken so took it to XXXX to get it fix and behold they told me with letter that the bag was counterfeit. I called XXXX and there is nothing they can do because the 30 days money back warranty is over. I called XXXX and they told me that I have to call my credit card company which I did and they asked me for supporting evidence which I submitted the letter from XXXX. I did n't hear anything from them until over a month. Then I called XXXX, to what my credit card decision and they told me that I missed the window of time frame which is 180 days and that was XX/XX/XXXX. But when I first called them nobody told me. I called my credit card company again and told them that I believed they did not investigate in my behalf, because if they did, in fact investigate and called XXXX, I would 've been covered. They pin point me from one XXXX, to credit card and XXXX, when I called them they told me to reverse the call back to credit card
Consumer complaint received 2022-03-31
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. (VA)

I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts immediately.
Consumer complaint received 2018-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

After I opened the account in XXXX, I relocated to XXXX where they DO NOT have a payment in this state. I relayed my concerns and difficulty to the main office but they were not able to help me.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Dear CFPB, I am writing to update my previous complaint filed regarding an inaccurate and unverified collections account reported by XXXX XXXX on my credit reports. Unfortunately, despite my efforts, the issue remains unresolved. 

Summary of Previous Complaint : I disputed the account with all three credit reporting agencies, highlighting numerous discrepancies and attaching supporting documentation. 
I contacted XXXX XXXX requesting verification of the information, but their response was inadequate. 
I expressed concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccuracies and lack of verification. 
Failure to Resolve : The credit reporting agencies have not taken my dispute seriously. They have not conducted a thorough investigation, provided any updates, or removed the inaccurate account. 
Follow-up attempts to obtain updates or further investigation from the credit bureaus have been unsuccessful. 
XXXX XXXX has not provided any meaningful attempt to verify the account information or address my concerns. 
Continued Impact and Request for Intervention : The presence of this inaccurate account continues to negatively impact my credit score and limit my access to financial opportunities. 
I am frustrated and concerned about the lack of progress and accountability from both the credit reporting agencies and XXXX XXXX 
Therefore, I respectfully request that the CFPB : Escalate its investigation into this matter. Demand a thorough review of the discrepancies and potential FCRA violations from both the credit reporting agencies and XXXX XXXX 
Urge the credit reporting agencies to take immediate action. This includes removing the inaccurate account from my credit reports while the investigation is ongoing. 
Hold XXXX XXXX accountable for providing accurate and verifiable information. If proper verification can not be provided, insist on the account 's permanent removal. 
Consider further action, including public enforcement measures against XXXX XXXX if they fail to comply with the CFPB 's XXXX. 
I am confident that the CFPB 's intervention is crucial to resolving this issue and ensuring the accuracy of my credit report. I am available to provide any additional information or clarification needed to support your investigation. 

Thank you for your continued attention to this matter.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (MO)

The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2021-08-07
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. (NY)

I contacted you on XX/XX/21 explaining that my identity has been stolen in complaint XXXX. I submitted documents but this request was not reviewed & it has been well over 30 days. Please delete the information listed on this identity theft report.
Consumer complaint received 2019-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

They terminate my Lease, i had a deposit of {$2500.00}, they return me a MO of {$4000.00} that i was made, i give them the house key and everything, and now they said that i owe them {$4700.00}, I will add the document that they send me with the Money. 
Now I have as a collection in my credit report
Consumer complaint received 2021-03-24
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: Credit Technologies, Inc. (VA)

There are several inquiries on my report that I do not recognize. I am certain this is fraud related as I have already put a security freeze on one of my reports from the credit bureau in hopes to stop this from happening over and over again
Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (CA)

Ok what the actual complaint is that I had XXXX XXXX score for the last year or so and XXXX XXXX  but recently it has changed to XXXX almost a hundred points I have been making payments iv only added XXXX dollars to a XXXX account but nothing else has changed. And only 3 inquiries in a year 2 of those have been approved this is according to credit karma they have no answer for the almost 100 point drop being that they are connected to my credit score I feel something isnt correct or someone has hacked my credit? If they can get my personal information with my ssn and tell thats the information given then something illegal is going on.
Consumer complaint received 2017-11-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX, Experian , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX
Consumer complaint received 2022-03-31
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: Consumer Portfolio Services, Inc. (IN)

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon
Consumer complaint received 2022-03-31
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: ALLY FINANCIAL INC. (IN)

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (TX)

The reason of writing this letter is in reference to the XX/XX/2020 report that Ford credit report to the credit bureaus of my account been 30 days late. Fordcredit switch my regular monthly paper bill statement to electronic, causing for me not to get my monthly regular paper bill that I use as a reminding for a bill to be paid and causing the Ford bill no to be send promptly. I never request to be switch to electronic bill and I will never consider doing so. Again, I am politely requesting for Ford Credit to correct the 30 days late mark on my credit cause by your tricky software system trying to put Ford Credit customers into electronic statements. Finally, Ford should be more clear in the way they want for the customer to switch to e-bill not just using a sneaking way to get people to do it.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear Transunion, XXXX XXXX and XXXX I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ). I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks. 

The unauthorized inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible.

I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Carbon County (CO)

I would like to file a complaint about COLLECTION CENTER-WYOMING XXXX XXXX XXXX, XXXX, WY XXXX I had 2 bills from XXXX Hospital XXXX  XXXX from XX/XX/XXXX. The bill of {$1700.00} was refereed to collection. However both bill ( {$1700.00} and {$600.00} ) were later on paid Workers compensation insurance ( since I acquired them through a work related injury ). Several months after Worker 's comp paid the hospital, the collection bureau was still showing balance of {$1700.00}. I contacted the original creditor XXXX Hospital and asked them to forward information that the bills were paid. The hospital informed me, they already did that and the collection agency shouldn't be reporting it. As of XXXX my balance with them is XXXX. I contacted the collection agency again and they said that " it still shows in their system ''. Then I contacted XXXX and filed a dispute. Several weeks after that the balance on my collection account dropped to XXXX, but stayed on my credit report. I contacted XXXX again last month ( XX/XX/XXXX ) to remove the collection from my credit report since the balance is {$0.00}. I guess the XXXX interfered. After that, the collection agency added unpaid balance of {$540.00} to my credit report. I have no clue where did it come from, since I did not receive any additional bills from XXXX Hospital. I called XXXX Hospital again, and was told I don't have any outstanding balance with them. AGAIN, the collection agency shouldn't be reporting any balance. I believe the collection agency is very well aware the bills were paid and I own nothing to XXXX hospital   and definitely nothing to to them and they continue fraudulently reporting already paid balance, hurting my credit and financials. I consider this a form of harassment and attempt to extort money I DO NOT own. What are neither good, neither legal business practices. Thank you