davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-01-30
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

My address on my Experian credit report that I pay extra to have monitored is wrong XXXX XXXX XXXX XXXX XXXX mo I HAVE never lived there why is this on here? What else is wrong on my account
Consumer complaint received 2020-11-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting and 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 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
Consumer complaint received 2019-10-30
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: FC HoldCo LLC (NC)

XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Flagship Credit AcceptanceXXXX. XXXX XXXX XXXX XXXX, PA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with  documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account is showing as charged off bad debt and I haven't heard from them or received any information to be able to make arrangements. It does not have my address on there and so I'm not sure they would even contact me.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

I recently paid off my mortgage ( address XXXX XXXX XXXX XXXX XXXX PA XXXX ) on XX/XX/2022. I have been attempting to call them and hold times are incredibly long and can not get anyone to assist me. There was an Escrow to Mortgagor Disbursement in the amount of {$4100.00} ( check ) that was sent on XX/XX/2022 that I have yet to receive at my current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX or at my property address noted above. 

I am looking for assistance in attempting to obtain these funds. I maybe reached at XXXX or via email at XXXX XXXX
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I am a XXXX XXXX  XXXX XXXX XXXX XXXX veteran, I was suffering hardship from health issues then in XXXX COVID 19 hit. I was placed on a forbearance by Fay Servicing. On about XXXX they sent a letter saying I was on the forbearance and from what I understood it was still active. Then in XXXX I look at the paper and see my home with a foreclosure sale date of XX/XX/XXXX. I was shocked to see it since there is a federal moratorium on foreclosure until the end of XXXX. I also never received notification from Fay my forbearance was over.
Consumer complaint received 2019-10-30
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. (NC)

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I'm disputing the XXXX XXXX account ( XXXX ) on my credit report because Experian is the only agency still listing it, even after multiple disputes. I've provided evidence and police reports, but Experian hasn't removed the fraudulent account, ignoring my requests.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (GA)

I opened a Credit card on XX/XX/2013, the company name is Discovery Bank they failed to comply with Consumer Laws and has the account shown as a Charge -off which charge off is a canceled debt so it shouldn't be on my credit profile did not send me a 1099c form. I sent them a charge-off letter all they sent me is the receipt it is also outdated which makes it inaccurate information.
Consumer complaint received 2022-04-05
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. (MI)

I have disputed XXXX XXXX XXXX multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


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Consumer complaint received 2020-09-22
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. (FL)

To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit thank you
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

i attempted to pay my bill online and was unable to do so. when i contacted the company they said my account had a " temporary restriction to protect my account ''. When i ask why, they are unable to explain what threat they are trying to address. i have had to speak to multiple people, all of whom i are requesting my confidential information. i am concerned that my account was compromised and as a result i am being treated in the same manner as if a fraud occurred.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC (FL)

I have 4 close account and still show on my XXXX  Still open, I call all this creditor and they confirm me this account is close Dispute it on XXXX  and they remove and add this account at the same moment, try and tired to call XXXX
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

I received a call last Sunday, XX/XX/2023 at XXXX XXXX. I received a call today Sunday XX/XX/2023 at XXXX. I don't answer numbers I'm not expecting or numbers I don't recognize. Especially on Sundays. Even more suspicious a voicemail wasn't left explaining reasons for the call. 
I believe because of my age XXXX XXXX XXXX, they think I can be easily scammed. Please help stop these unwanted, annoying calls.
Consumer complaint received 2021-10-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BMO Bank, N.A. (OH)

In XX/XX/XXXX received a letter from the BMO Harris Bank which was stating that I owed them funds associated with a home equity account which has been settled since XXXX in conjunction with the Federal HARP program when the house mortgage and associated accounts had been settled. 

I responded the same day refuting the claim and asking for proof that they were even licensed to make claims in the State of Ohio as I suspected this was a phishing exercise. Many weeks later ( actually months ) I received a copy of a statement which did not have my signature. 

In XXXX of this year I received another letter which obviously did not even acknowledge my first response. I wrote back again on the next day and said this : Well I guess I should say Happy XXXX XXXX XXXX!! I would like to begin a conversation which will satisfy this issue with some civility. Your letter dated XXXX XXXX was just received yesterday. I always try to respond in a timely manner. The issues the US Post Office are having come to life with mail deliveries having no rhyme or reason. 

I wrote back on XXXX XXXX with my response to your letter about this issue. I am including a copy of that letter as there has not been any actual answer, other than a form letter and a copy of a very old statement. I want you to be assured that I remain convinced this had all been settled with the HARP settlement in XXXX, XXXX. I also find it odd that after 7 years I suddenly am receiving these letters. I am well aware of the 7 year rules, and attempts to resurrect old and settled claims. 

In the past 20+ years I have endured 2 divorces and defended this family home more than once. I would very much like to hear from an actual person. Please contact me so that we can have a quiet and civilized discussion. 

I feel that my responses have been timely and reasonable in seeking solutions if necessary. This week I received notices to participate in a " mitigation '' program which could result in some kind of foreclosure action. I am more than alarmed. None of their letters offer any form of contact than a mailed response. All of these take time and now even more with the train wreck the US Post Office has become.

I still have no idea or recollection that BMO Harris was the bank of record and have a feeling that they have " bought '' the paperwork which was settled and are involved in a financial harassment. I do not think the 7 years is a coincidence. I take a threat to my home and my business very seriously and am seeking your help.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc. (FL)

I signed up for Money Lion in hopes of fixing my credit with their service, so what they do is put you in debt for {$500.00} and you pay back the loan, once the loan is paid they put the money that you paid into an escrow account, here is where things are starting to upset me. Youre in enrolled into a membership agreement where you pay {$9.00} every 2 weeks, once that membership is paid then you can get back the money from the escrow. According to the customer agreement you can pay by a bank routing number or debit/credit card, if you use the card payment way the money the membership is paid right away, but for the last 3 months that system has been down and the engineers are always working on it. I paid the membership on XX/XX/2019 and have been wanting to cancel my membership and get back my money from the escrow account but I cant get it because according to them the money that was withdrawn will not clear until XX/XX/XXXX and thats when the next payment is due which means I have to pay another {$9.00}. Their system and the way they handle this is outrageous and it takes over 30 minutes just to speak to a rep or they will call you the next day.
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX  and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : Amount Disputed : XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$530.00}
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion stated in writing that the following collection item was verified : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX for the amount of {$1500.00}. I was sent a collection letter by XXXX XXXX XXXX dated XX/XX/2019 on the behalf of XXXX XXXX demanding payment of {$1500.00} ( see attached ). I responded to XXXXXXXX XXXX XXXX  by requesting validation of the debt ( see attached ) and sent my response to all listed addresses via certified mail ( see attached ) as well via fax ( see attached ). As of XX/XX/2019 I have received no response to my request for debt validation. Also debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( https : //www.transunion.com/XXXX ) during the initial dispute process Transunion should have contacted XXXXXXXX XXXX XXXX about the information disputed, instructed XXXX XXXX XXXXs to review my dispute, to verify all information reported, provide TransUnion a response to my  dispute, and update their records and systems accordingly. But without a valid license this means that XXXXXXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to TransUnion by XXXX XXXX XXXX is INVALID. Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXXXXXX XXXX XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices
Consumer complaint received 2017-09-27
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)

Starting in XX/XX/XXXX I made my final payment on my automobile loan. At that time, my FICO score according to TransUnion was XXXX. I am have not changed or closed any of my three credit cards that I currently have. All my balances are paid off immediately. I have no other late payments of any kind. Student loans have been paid off for over 3 years. Yet, over the past 9 months, by credit score has been steadily declining to the point of being XXXX. I have called TransUnion before, approximately 2-3 months ago. I basically was told to read the " factors affecting my score. '' The only two factors are, lack of recent installment loan information and length of time revolving accounts have been established. 

Like I stated above, I have made no changes to my credit cards over the past several years. The only change would therefore be " the lack of installment loan information. '' What information do they want?? I responsibly paid off my automobile loan and now I am paying the price by getting a significant drop in my credit score?? What options do I have? Do I need to finance another car or take out a student loan? Any insight would be greatly appreciated. Date of birth : XX/XX/XXXX
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint knows all they have to do is send a misleading statement and CFPB will close the case XXXX. They overcharged me. Then, they applied money back to the principal. Then, they skipped two payments and now they are using there overcharge to misrepresent that they corrected to muddle the facts. In the letter, Shellpoint never addresses that it was a covid modification and whether it received funds from the government to cover back interest and escrow. 

In the letter, Shellpoint claims the {$65000.00} is for XX/XX/2022. This again is a red-herring. The XXXX covers the entire year of XXXX. So, if my statement at the end of XX/XX/2022 reflects XXXX, then the XXXX should reflect the same.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

This account was closed on my credit report for well over 7 years. It was sold to another creditor 2 years ago. They never contacted me about it. My credit report also says I refinanced the loan with them in XXXX but I havent had a loan with them since XXXX.