davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (NV)

I paid off the balance of the mortgage on XX/XX/XXXX. The company charged me a fee to reassign the mortgage to my new lender. It has been more than 90 days and the company still hasn't removed their lien from my property. Their incompetently slow processing is now causing me personal financial difficulties. When I call the bank they say that " they are waiting on signatures '' but take no action. The company charged me a fee related to this reassignment ... I believe that entitles me to reasonable execution of responsibilities. 

Additionally, but not related to this issue, the company took one additional monthly payment from my account after the loan was closed ... it took them several phone calls and more than 60 days to return those funds to me.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I 've contacted this collection agency numerous times requesting validation of a debt and they 've refused to abide by the Fair Credit Act and send me legal proof of the supposed debt. I have n't received an original contract signed by me and original creditor nor have I received an agreement between me and collector showing that I am financially obligated to them
Consumer complaint received 2020-06-01
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: Bread Financial Holdings, Inc. (GA)

I was shocked when I reviewed my credit report and found late payments below : COMENITY BANK/LNBRYANT # XXXX COMENITY BANK/XXXX  # XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (PA)

It has been brought to my attention that after submitting Affidavit of Truth, Cease & Decease letter with facts as well as law that supports everything I was stating I was denied to excise my rights as a NATURAL living PERSON and a Federal protected consumer 15 usc 1635 ( D ) I demanded Experian to take action on my behalf they insist on keeping inaccurate information on my consumer report, it has also been a request for me to submit documents to them which is strangely weird being though they didn't need any of these items from third party agencies who buys the contracts of debts for pennies on a dollar, third party agencies also buy these contracts not having the full details on the account their pursuing you owe on, if that isn't Fraud then I don't know what else to call it, so my reason for this complaint is to inform the CFPB of all of the illegal actions that Experian has been part taking in, so I began to submit disputes with an agent Name XXXX now to my understanding me XXXX was on the same page when she was in-taking all of the details for her to began the dispute process after giving the agent everything she was asking for I was told I should hear something back within 30 days I said ok & that was the end of the conversation, the next day I got an alert from Experian stating my score dropped XXXX  points now I was extremely confused because i didn't expect to hear back that fast also the reason why my score was being decreased I call experian to see what happened the agent told me the reason why and I was explaining to him that I never opened a dispute for XXXX XXXX  that account was the only thing keeping light on my consumer report which as well was not the item I called to dispute on in no way that account was never addressed it was paid off in good standings so at this point I was also confused because neither item which I originally called for them to assist me with no action was taken on either case they actually denied my request to remove of the items i was requesting to dispute so since XX/XX/XXXX my Credit score has dropped drastically
Consumer complaint received 2021-03-16
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. (GA)

I WENT THROUGH MY CREDIT PROFILE AND MY IDENTITY HAS DEFINITLEY BEEN COMPROMISED. SOMEONE HAS STOLEN MY IDENTITY AND OPENED SEVERAL FRAUDULENT ACCOUNTS. THESE ACCOUNTS ARE A VIOLATION OF MY RIGHTS DUE TO THE FACT ITS IDENTITY THEFT. THESE ACCOUNTS ARE CASUING A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUTNS AND INQUIRIES FROM MY CREDIT REPORT.
Consumer complaint received 2022-07-20
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

its part of the credit card stolen cards i had, i cant even view my account i dont know the ammount or the card number is XXXX i believe, i want to make sure all of these are closed this is the last one, they add the bill to a negitive. and you cant pay it makes it look like your using it someone else is using your card. thank you for your help. they did quit sending me bills. but the problem still remains
Consumer complaint received 2020-11-25
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: EQUIFAX, INC. (NJ)

Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

-XX/XX/XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX XX/XX/XXXX reports the date the account was opened was XX/XX/XXXX where as XX/XX/XXXXreports a date opened of XX/XX/XXXX ; Equifax does report anything. 

XX/XX/XXXX reports the date last active was XX/XX/XXXX where as XX/XX/XXXX reports the date last active to be XX/XX/XXXX ; Equifax dies report anything - XXXX AES - Account Number : XXXX XX/XX/XXXX reports the number of months in the loan to be 301 whereas XX/XX/XXXX reports the number of months to be 249 ; Equifax reports nothing. 

XX/XX/XXXXreports the date last active to be XX/XX/XXXX whereas XX/XX/XXXXreports the date last active to be XX/XX/XXXX ; Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 30 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 60 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 90 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was charged off ( CO ) whereasXX/XX/XXXXand Equifax reports nothing.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false debt. 

XXXX XXXX XXXX Amount : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount : {$400.00} Date opened : XX/XX/XXXX
Consumer complaint received 2022-02-04
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. (NY)

XXXX and Transunion along with other companies XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX have listed fraudulent information on my credit report. There are employer information for places I have never worked. Addresses listed that I am not associated with. People are out here thinking of taking their lives solely based on the pressure the credit bureaus put on them for reporting false information. I can only imagine the many people like me with similar issues and the bureaus literally do not care. I am taking this all the way to the boss of the boss of the boss of the bureaus and I am charging for each violation. Many letters and phones calls to these above companies and they have yet to correct the problem.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX/XX/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1/2 year in XX/XX/XXXX
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Deutsche Bank (CA)

Good Evening.., my dears At Consumer Financial Protection Bureau.. greeting , On or around XXXX XXXX, I contacted Deutsch Bank CEO to process , my judgement XXXX at the superior court of XXXX  County Court , Arizona , then I contacted XXXX  branch, Then I contacted again new York head quarter , 6 months Passed, no response from Deutsch Bank, what's so ever, please contact CEO Deutsch Bank for me , thank you for your help,
Consumer complaint received 2016-11-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (NC)

My mortgage started with XXXX in XX/XX/XXXX and was bought out in XX/XX/XXXX from Planet Home Lending. This company has declined my bill pay payment repeatedly which in turn caused late fee 's and possible foreclosure. I had to send a wire to make up for everything and this still continues to happen. The mitigation department has not helped in getting this payment paid to my mortgage and there for has caused more fee 's and possible foreclosure again. They have ruined my credit. There business practice are damaging to hard working people. They do not provide me with any proper instruction to make and payment and there bank are having major delays in returning my funds so I can have them debit my bank account to make the payment on time. I want fee 's reimbursed and the company to move my account back to XXXX, a company with respect.
Consumer complaint received 2016-08-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

traded my car in on XXXX XXXX, XXXX to XXXX XXXX XXXX, In exchange for a XXXX XXXX XXXX. Have paid for the monthly car note for the month of XXXX. Dealer at XXXX XXXX did not send the check to XXXX XXXX until XXXX XXXX, XXXX. Now XXXX XXXX is saying that I owe for the month of XXXX. I had signed documents to release ownership of traded in car to XXXX XXXX on the XXXX of XXXX. Also signed documents to release ownership and registration of car to XXXX on the XXXX of XXXX. Release trade in car to XXXX XXXX on XXXX XXXX, XXXX. This was completed before the month of may when the next payment was due.
Consumer complaint received 2021-05-20
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. (TX)

I received a copy of my credit report and found an account that is a result of fraud. The account is being handled by a collection agency. The original creditor is the XXXX of XXXX. The account was for a utility for a home that I never lived or was associated with. All of the other accounts that were associated with this address have been removed due to fraud. This account is the only account that remains. The account is : XXXX XXXX XXXX with a balance of {$980.00}
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XX/XX/XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XX/XX/XXXX. 
The judgment was paid and released on XX/XX/XXXX, this XX/XX/XXXX is ( 9 years ) I feel that all XXXX Transunion, XXXX and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again.
Consumer complaint received 2017-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

Just recently I received a threatening from ECSI. It was  never my intention no to pay the debt accumulated during the less than a month stay in XXXX. ECSI representatives did not present me clear explanations of my responsibilities, or benefits regarding repayment. I have done some researches. I did not receive FormXXXX from XXXX ; therefore, I was denied the opportunity to deduct educational expenses through my Income Tax on that year. Neither did I receive the usual Refund I was entitled while attending XXXX. I need to know what type of Student Loan I am in debt with XXXX, which could not be consolidated, as my other student loans were ; ECSI did not submit to me any type of information.
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TOWNE MORTGAGE COMPANY (MI)

The lender Towne Mortgage of XXXX Michigan and XXXX XXXX of XXXX Mi were to reimburse a fee of {$470.00} for the appraisal of the subject property XXXX XXXX XXXX , XXXX Mi XXXX at the closing dates XXXX/XXXX/16 ( file no XXXX ). The total monies we sopposed to be {$3100.00} and a check for {$2700.00} was given, check # XXXX. After numerous calls, emails to the title agency and the mortgage broker I am left with no alternative but to seek assistance from your agency.
Consumer complaint received 2022-07-20
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. (AZ)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX XXXX : {$340.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX XXXX 2015, Good Morning Attorney General, My name is XXXX XXXX XXXX, I am a senior Citizen, on XXXX! XXXX 2015 i gave written notice to the Management of the XXXX of my intention to terminate my lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I was advised that there would be a early termination fee and i gladly accepted to pay it. 
Once i moved out, i verified that they indeed had my forwarding address, they advised me that i would receive a bill in the next few weeks. 
Yesterday i received a phone call from a collection agency named IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX, they claim they own the debt forwarded by the XXXX apartment homes. 
I never received the bill, they forwarded the balance due to the collection agency directlly without giving me the opportunity to pay it. Furthermore the collection agency refuses to send me a DEBT Validation per FDCPA, XXXX the collector claimed she dose not have to send XXXX to me. 

Can you please help me resolve this issue? 

Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXCA XXXX
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Champions Funding, LLC (CA)

I was interested in a {$100000.00} loan, and my loan officer at the time told me it would have to be at least {$170000.00}. I was concerned about my monthly payment being too high, considering that it was a 9 % interest rate. He said I could just pay down a larger amount of the principal that way, the monthly payment would become lower. 
In XX/XX/XXXX, the loan was funded by Champions Funding and I was told the same thing by the loan representatives. So, I paid {$30000.00} of the principal in XXXX, but my monthly statement showed the same amount. I called the company, and was told that it " needed a little time to recalculate in the system ( the so-called recast ) and that the monthly amount will then be adjusted automatically ''. 
Before this could happen, however, Champions Funding sold my loan in XXXX XXXX to another bank, called XXXX  XXXX now refuses to do a recast. They want written confirmation of this recast, which Champions Funding can not provide, as everything was done verbally. Champions Funding should have done the recast before selling my loan. It was the sole and only purpose of paying the {$30000.00} to reduce my monthly payment. That did not happen. I am therefore requesting a return of my {$30000.00} from Champions Funding in collaboration with XXXX
Consumer complaint received 2022-07-20
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. (AZ)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX  XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$340.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.