davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I have always made additional principal payments to my mortgage account and have started making multiple payments per month. Since XX/XX/2022, this company has been applying payments incorrectly. I have multiple phone calls trying to resolve this issue and get varying responses, including it takes " cashiering '' 60 days to resolve issues, I'm escalating this, and that it's my fault for not using their online bill pay. I am also sending them a Notice of Error. Every payment that is made is compounding the problem. I also am not sure that when they do finally post a principal only payment correctly that they are also adjusting interest and principal on the actual mortgage payment for the error correction. 

The information provided by SPS is woefully lacking. There is no online transaction history, the transaction history they provide is difficult to use because there are no tracking numbers, and I can't even make an escrow shortage payment without giving the company banking information. I do not want them to have any access to my bank account. The only way I can tell, in real time, that they've made errors yet again in posting is to look at what month they say my next payment is due. Currently, I anticipate paying XXXX at the end of the month but the website says the next payment due is in XXXX.
Consumer complaint received 2021-10-07
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)

Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. 

There must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing this complain on behalf of my wife. I have permission. She also gave me permission to discuss this account with Capital One. That permission was granted on a recorded line with Capital One when we were attempting to resolve a late fee charged to this account. It is a shame that this bank would not credit back a late fee when the amount due was paid less than 24 hours after the due date. I am unemployed but hustle and do XXXX and XXXX. My wife does as well. That is not alot to take care of a family of XXXX. It is a disgrace that this bank would not have compassion. We have never missed a payment on this card. Maybe a little late a few times but never missed. A {$28.00} late fee is alot for us but very small for them. These people don't give me a credit of {$28.00} for being early. They refused to credit my wife 's account because they did back in XXXX of XXXX. It still is basically stealing from a family doing the best they can to get by. Capital One got bailed out by the government back in XXXX and received billions from taxpayers to bail them out. But when it comes to helping others they turn a cold shoulder and say " sorry XXXX you and I don't care if you can't get out of debt because we will always get our money. '' I will tell everyone I know how uncompassionate this bank is. I hope this gets published and read it. Don't do business with this bank. They are very quick to sue if they don't get their money but just as quick if not quicker to take a handout from taxpayers. They should be ashamed of the unequal measures they apply and how they do business. I have to come up with money given my situation so sometimes it is hard to get it by the due date with my rent and other things like food have to be paid.
Consumer complaint received 2022-04-23
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. (NV)

In accordance with Fair credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right of 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 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

So I wasnt even made aware by XXXX XXXX that my account was delinquent or past due. By the time that I was notified it was already reported to the credit bureaus. Since then grain has been misinforming inaccurate information as resulted decrease in credit score. They already had since withdrew funds from my external account that was used I order to received or removed from account. Since then a payment arrangement to pay off balance ( after waiting to hear back from XXXX either via phone or via email ) as well as made just recently as well as a payment arrangement that has since been signed and accepted both myself and XXXX XXXX. Then report was made by XXXX stating my is still delinquent by XXXX days after was payment arranged.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act 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 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 2022-04-23
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. (OH)

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXXXXXX XXXX XXXX # XXXXXXXX ..... 
XXXX XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Accounts : - 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 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 2022-04-23
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. (OH)

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I received an alert from XXXX bank that potentially negative activity was placed on my credit report. The complaint was made by National Credit Adjust. When I called this company they informed me that they were a collection agency and that they had attempted to collect payment for a loan I owed, but had gotten no response from me. The information I obtained was that the loan was made by XXXX XXXX in either XXXX or XXXX of 2021. I never applied or obtained a loan from XXXX XXXX. National Credit Adjust had my accurate address and Social Security number. XXXX, they had the wrong Drivers License number, the wrong bank, and they said they had verified emplyment at XXXX XXXX XXXX, but I have been retired for 8 years. When I spoke to XXXX XXXX they just said they had sold the loan and gave me no more information. They stated that they had contacted me by phone twice and I had said I would make a payment. I never spoke to anyone from their company. I had call blocking on at that time, so any call from them would not have even gone through.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-04-23
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. (NV)

In accordance with Fair credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. states I have the right of 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 2022-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (VA)

I took out a personal line in XXXX of XXXX and in XX/XX/XXXX I caught XXXX XXXX a XXXX case. I called them to set up an arrangement once I was out of the hospital at which time they refused to set a repayment plan. The company decided to go to court to obtain a judgement in XXXX of XXXX at witch time the judge on my case instructed them to stop the interest and also advised they could not refuse payments. Every week in XXXX I called to make a payment as they locked me out of the online option. Every week my $ XXXX payment was still refused even after the judgement. On XX/XX/XXXX I reached out again to make a payment towards the account and I was told that again they are refusing my payment and they have filed for garnishment. On XXXX I received notice of garnishment to appear in court with {$2000.00} in additional interest being added to the balance. This loan was for {$6500.00} they have now assessed XXXX in interest and fees of which {$2100.00} was added AFTER the judgement in XXXX where they were instructed to stop all interest and fees. Since this conversation I have made 2 additional calls to make payment that was refused.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-12
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Experian, XXXX and XXXX ( a XXXX company ) are reporting a bankruptcy on my credit report, and they are reporting that they furnished this data from US Bankruptcy Court XXXX TN which is false. I have attached a letter from the bankruptcy court of XXXX TN verifying and stating that they do not furnish information to any of the credit bureaus, or any credit monitoring services, nor do they verify or validate any information concerning bankruptcy. Experian, XXXX and XXXX are falsely reporting this information on my credit report and has yet to remove this information from my credit report.
Consumer complaint received 2024-10-24
Product: Credit reporting 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 am writing to inform you that I am a victim of identity theft. My personal information was compromised in a recent data breach, and as a result, unauthorized accounts and inquiries have been placed on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete all fraudulent accounts and related information from my credit file.

The account and inquiries that I believe to be fraudulent are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TN)

As of XX/XX/2022 I experience bad customer service at wells fargo on XXXX XXXX in XXXX tennessee. This was a busy day and they were short of staff. Well they had a line of people waiting for service and u had employee talking and running their mouth nit even helping customer. When they did get some help XXXX XXXX did nit provide genuine customer service. He insulted by intelligence and put my payroll check on a 4 day hold. This man did not even di his research and did not even look at previous transactions o. My account. He told me that I can go to check cashing place. I said what nerve He insulted intelligence and he did not care You see wells fargo had not changed. We are just a number and they will take your money and do care. Wells fargo is just putting a front for people of all XXXX just to take their money. We need to find another bank for which they care about the customer.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

i submitted dispute to all ( XXXX ) credit reporting agencies and XXXX. I was reported as being late on forebearance and they did a loan modification-but also a Death occurred related to XXXX to my spouse who was also a co-borrower on the Mortgage loan with XXXX. I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower and request time for hardship into XX/XX/XXXX, until i could get back on my feet. I was told by the representative XXXX, they never acknowledge my Hardship request even thought I submitted information on the Death of co-borrower. Instead they went and marked my XXXX mortgage late. I reached out to the Lost and mitigation dept at XXXXthey told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody has yet reviewed my request at XXXX because they are so backlogged. 

XXXX- did successfully resolved their investigation - and restored my credit back to as it was In XXXX score of XXXX and no lates. filed CFPB XXXX XXXX - still not resolved the same investigation that i filed with CFPB XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

Experian - still not resolved the same investigation that I filed XXXX XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

I am still waiting for XXXX & Experian to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX... .I was severly impacted by XXXX and XXXX death of the co-boworrer / my spouse 20 years - XXXX XXXX who died XXXX XXXX an XXXX at XXXX XXXX  and XXXX home. He worked in the Covid ICU ward from XXXX to XXXX ... ..XXXX  was not to show as being late on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my feet.
Consumer complaint received 2022-04-23
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021, XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, 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 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.