davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
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. (NJ)

I have contacted Best Buy Several most recent XX/XX/XXXX she opened the new account. Times and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.
Consumer complaint received 2020-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (TX)

In re to complaint # XXXX Closed on loan # XXXX Loan Care on XX/XX/2020. Failed to file mortgage discharge with the recorder of deeds for 109 days. Had a shell company file the mortgage discharge - called " XXXXXX/XX/XXXX XX/XX/XXXX' from a branch in XXXX Washington, whose corporate address is in XXXX Colorado. Per RI General law 34-26 they owe the state of RI a {$50.00} penalty and {$5.00} per day after 30 days of not filing for a total of {$440.00}. 

Company lied in their response - NEVER sent a check for the above issue. See attachment. 

This company clearly is in the back pocket ofXX/XX/XXXXand CFPB as they continue to lie and obfuscate and damage consumers. They lie and XX/XX/XXXX and CFPB let them get away with it.
Consumer complaint received 2021-04-01
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2020-05-27
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. (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.
Consumer complaint received 2021-09-18
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. (PA)

Please remove ALL fraudulent accounts that are reflected on my personal credit reports, as I do not have any knowledge of these accounts. These fraudulent accounts are NOT accounts that have been authorized by me or any legal representative contracted by me. I have been a victim of several Data Breaches. 

The following listed accounts are accounts that are NOT accounts that belong to me and are fraudulently listed on my personal credit reports. The derogatory history and listing of these accounts on my credit reports have cause me grave financial damage and an irreparable financial hardship.
Consumer complaint received 2021-07-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (DC)

In regards to CREDIT ACCEPTANCE CORP ( XXXX ) XXXX-XXXX  XXXX  XXXX XXXX, MI XXXX Everything here is false and misleading pursuant to 15 USC 1692e.

The information is violation of 15 USC 1692d
Consumer complaint received 2021-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (IL)

My loan servicing company is the Loan Depot. I have applied for a forbearance since XXXX, have made multiple calls to them, sent a total of 11 emails to date and I can not get anyone to process my forbearance that we have a right to use under the new act. They keep responding to me with generic emails and to date and yet to call me back with a supervisor or manager to address this issue. I was being for XXXX waiting for the forbearance to go through until I had to make a lump sump payment so that can take out a loan for my business without them seeing that I am behind on my mortgage, which put me a deeper financial hole. I don't know what else to do. I don't know how else to take action to get a forbearance processed and give me some breathing room. Please, if there's anything you can help me with let me know.
Consumer complaint received 2017-09-15
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. (ND)

I 'm a victim of identity theft. My XXXX XXXX XXXX credit card has been lost, stolen and compromised. All of the charges on the account is fraudulent transactions. I never used my XXXX credit card account : XXXX. All of the charges are fraudulent transactions and unauthorized.
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

We purchased our home in XXXX of XXXX through a conventional 100 % loan for {$240000.00}. I recently sent a letter to our mortgage company requesting to have our Private Mortgage Insurance ( PMI ) cancelled. I received a letter from them saying that our request was denied because our current loan-to-current value ( LTCV ) is not at a ratio of 80 %. I will explain why I feel this is inaccurate : XXXX We have never missed a mortgage payment or been delinquent on a payment in over 13 years at our house. 
XXXX When I called the company today ( XX/XX/XXXX ) I was told that we are at only 93 % LTCV because they are basing that off of an appraisal in XXXX when we refinanced at {$200000.00}. I explained that it should be based off the ORIGINAL loan appraisal of {$240000.00} in XXXX. On top of that I know for a fact that our house is currently valued at over {$310000.00} as we were told by a real estate agent in XXXX when we thought about selling our house, and now real estate values in my area have gone up even more. I was told by our mortgage company that they will " re-open '' our case but we also can pay for a new appraisal to prove that our home is worth more than {$200000.00} but I know this is not necessary if they actually go off of the correct ORIGINAL appraisal of {$240000.00}, let alone going off of current real estate market values.

Our outstanding principal balance currently stands at {$190000.00}. So we are actually at 79 % LTCV which is grounds for us to have a case for having our PMI cancelled.

Our mortgage company is XXXX, and the servicing company is Loancare. 
My complaint is that I feel that our mortgage company is forcing me to have to pay for a new appraisal at my expense in order to have my PMI cancelled which is unfair when the Homeowner 's Protection ACT allows for PMI cancellation once someone has reached 80 % LTCV payoff of the ORIGINAL loan and has great payment history like we have.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Universal CitiBank card XXXX  says : opened XX/XX/XXXX 1st reported XX/XX/XXXX - wow over 10 years? 
Recent balance of {$4000.00} in XX/XX/XXXX but the status hasn't been updated since XX/XX/XXXX despite a very important change. 

XXXX  says : opened XX/XX/XXXX 1st delinquency XX/XX/XXXX ( never happened ) but didn't report it until XX/XX/XXXX ( that was me actually, not them.. their computer is backwards ) Date of last payment XX/XX/XXXX scheduled payment : {$4000.00}, past due {$2500.00} XX/XX/XXXXnotes : consumer declared natural disaster ( that was them, not me ) Consumer says : 1. This account was closed in XX/XX/XXXX. 
2. Given the fact that XXXX  didn't know of it until XX/XX/XXXX, I'm not sure the one currently showing up is even the one I disputed years ago when I didn't get my bill, had my payment processed incorrectly and my account mixed with someone else 's BUT it's all besides the point because ... 

IRS says : Canceled XX/XX/XXXX Identifiable code : G ( that means " claim filed with government '' in XXXX  language and " collection account '' in XXXX  language - though both admit I have no collections anywhere in my file. Perhaps that's because in IRS language G means : DECISION OR POLICY TO DISCONTINUE COLLECTION. I tried explaining to the phone agents that XXXX  wasn't a country ... yes, really.. they thought XXXX  had its own laws, as well as attempting to explain to XXXX  that the IRS is a US government agency with jurisdiction over financial laws such as these but they didn't understand or care cause they have no idea who or how the computer obtains its info or who is in charge of fixing errors. 

Citibank is also having a hard time understanding that an IRS cancellation on XX/XX/XXXX at the final balance of {$3700.00} means no charge-off status can exist and any amount above {$3700.00} never did exist. One would have to understand US currency and calendar dates to get that these reports don't make sense. XX/XX/XXXXcomes after XX/XX/XXXXwhen the account status was last updated. The charge-off status is hereby overwritten by the IRS due to multiple violations of the Fair Credit Reporting Act to the best of my knowledge, which is limited but still more than anyone who works at XXXX, XXXX  or half of Citibank. 

I'm not putting anyone down as credit reports are hard to understand but I'm sure they're a lot harder when you aren't familiar with the currency, language, calendar, mathematics, laws or government agencies associated with the files you're working on and can't be held personally ACCOUNTABLE since you don't live or work in the country of which the laws exist. However, that doesn't make the crimes inflicted upon me legal. Please stop ruining my life. I'm just trying to make an honest living. 

PS. The letter they issued in response to the last time I reported them says federal regulation requires the message printed on the reverse side but they didn't send me the other side?
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Adjust immediately the following inaccurate information that are hurting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CT)

On XX/XX/XXXX, I received a letter from IC systems stating that they are collecting money from me, on behalf of XXXX. I do not owe IC SYSTEMS any money. I do not know who they are, and I Have never had XXXX as a phone carrier. I have had the same cell phone company, which is XXXX wireless for over 10 years. I have also had the same cell phone number for over 10 years. There is no way I owe XXXX any money. I sent a letter to IC Systems asking them to provide me with validation of the debt they are claiming I owe. I received a letter from XXXX XXXX stating they have no record of my account and I need to send them more information. I will not send them any of my personal information. They initially claimed that i owe XXXX. This is a scamming company trying to steal my information, and I immediately request for them not to report anything negative to the credit bureaus. They have not provided me with validation, and they are attempting defamation of my credit character. This company needs to completely remove me from their system. I dont owe them or XXXX any money!! I want to cease collection on this false debt immediately!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to file a formal complaint regarding discrepancies and violations found in my credit reports provided by credit bureaus ( Equifax, XXXX, XXXX ). The inaccuracies detailed below have significantly impacted my financial standing and have caused undue distress. I request your assistance in resolving these issues with the respective companies involved. 

Discrepancies Related to Credit Acceptance : Equifax, XXXX, XXXX : Misreported Payment Status : The account inaccurately reports late payments of over 180 days, violating FCRA regulations ( USC Title 15 1681a ). 
Incorrect Dates : The reported dates for account opening and charge-off are inaccurate. 
Inaccurate High Balance : Discrepancies exist in the reported high balance, impacting the accuracy of my credit report. 
Violation of FCRA : The inaccuracies outlined above constitute violations of the Fair Credit Reporting Act ( FCRA ), including misreported payment statuses and failure to investigate disputes promptly ( USC Title 15 1681s-2 ( a ), USC Title 15 1666b ).

Damages : Emotional distress, pain and suffering, discrimination, and loss of trust and creditworthiness have been experienced due to these inaccuracies.

Request for Investigation : I request a thorough investigation into these discrepancies and violations in accordance with the FCRA. Please provide updates on the progress of this dispute until fully resolved. 
Legal References : Various provisions of federal law, including USC Title 15 1681a ( 2 ) ( i ), USC Title 15 1681b, USC Title 15 6801-6802 , USC Title 15 1611 , USC Title 15 1691 ( a ) , USC Title 15 1692a ( 2 ), and the Consumer Credit Protection Act, support my claim of violations and inaccuracies.
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

I received a letter on XX/XX/XXXX, from Jefferson Capital ( dated XX/XX/XXXX ), alleging that I owe a debt that to XXXX XXXX XXXX for {$380.00}. I had XXXX in XXXX and early XXXX, so I sent them a validation letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising I had 14 days to tell them what I was disputing. I have never received a response from Jefferson Capital. This is interesting, because I asked Jefferson Capital to validate the debt and send me a copy of the written agreement bearing my signature, to provide all the contact information regarding the original creditor, provide proof of the amount and age of the alleged debt. Is XXXX XXXX XXXX the same as XXXX XXXX XXXX? Because my credit report is showing XXXX XXXX XXXX  I am unclear as to if this is the same company which is a violation of the law. 

A day later ( XX/XX/XXXX ), I received another letter ( dated XX/XX/XXXX as well ) with some statements from XXXX, XXXX, XX/XX/XXXX that had my name on it sent to a po box in Georgia that I do not recognize from XXXX XXXX XXXX, but they have yet to provide the original contract, or any original agreement with my signature that created a requirement for me to pay the alleged debt. I was living in in Arizona at the time these invoices were created. 

A week later ( XX/XX/XXXX ), I received another letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that they are unsure of what my dispute is about. 

On XX/XX/XXXX, I received another letter from XXXX XXXX XXXX, advising that I was not specific with my dispute. 

I do not not recognize this alleged debt that is being reported on my credit report and so I sent another letter asking them to validate the debt by providing the original written agreement bearing my signature for the 2 accounts showing up on my credit report. I have not received it. 

At this point, they are sending me letters every 2 days and it is becoming harassment.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I received a notice on XX/XX/XXXX from I.C. System, Inc., stating that I have a delinquent account that has been turned over to this collection agency. I responded with a 30 day validation request on XX/XX/XXXX. I ask for an agreement with a creditor that authorises this collection company to collect on this debt. I also asked for the agreement that has my signature that says I agreed to assume this debt. I asked for valid copies of the debt agreement stating the amount of the debt and the interest charges. I also asked for proof that the statue of limitations wasn't expired as well as a complete payment history on the account. I also asked for their lisence that showed they were allowed to collect in my state as well as their licence numbers and their registered agent. I did not receive a response in 30 days. I did however receive a response on XX/XX/XXXX that stated communications are ceased and attached to that letter was a phone bill that was dated XX/XX/XXXX through XX/XX/XXXX. There was no information verifying or validating that this debt belongs to me or that I am responsible to pay this company. I sent a second validation letter to them on XX/XX/XXXX to have this debt validated as mine. I did not receive any response from this company. I sent a 3rd and final validation request on XX/XX/XXXX. This was sent certified mail. They received this letter Validation request on XX/XX/XXXX. It has been longer than 30 days and I have not received a response. I still have not received any validation from this company.
Consumer complaint received 2021-01-25
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. (SC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!