davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 3. Identity Theft XXXX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX Date opened XXXX XXXX, XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (DC)

I have a XXXX loan that originated in XXXX. I have paid plus/minus {$800000.00} since XXXX. The loan is now serviced by XXXX  XXXX XXXX. 

Bank of New York Mellon wrote on XX/XX/XXXX to me and the CFPB the following but did not provided the requested documents that I requested proving that they in fact are the trustee for my loan. 

" Re : Case Number XXXX ; XXXX XXXX XXXX the Consumer ) and XXXX XXXX XXXX XXXX XXXX, XXXX, DC XXXX XXXX the Property ) To whom it may concern : The Bank of New York Mellon XXXX formerly known as The Bank of New York XXXX BNY Mellon XXXX XXXX has completed its research of Case XXXX. 

Our research shows that the Property secures a mortgage loan ( the XXXX ) serviced by XXXX  XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). XXXX XXXX acts as the trustee for the XXXX but does not service or have the authority to service the XXXXoan.

The Master Servicer is the party who is required to service the Loan, which includes, among other things, determining whether to modify, or respond to Consumers concerns related to, the Loan.

The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX and that any written communications be addressed to its Office of the CEO and President, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Please update your records to reflect the Master Servicer as the appropriate responsible party to respond to the Consumers concerns.

I request Bank of New York Mellon to provide documentation of their below statement. I have previously request such documentation and they have not responded.

" Our research shows that the Property secures a mortgage loan ( the Loan ) serviced by XXXX  XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). '' Thank you, XXXX XXXX, XXXX. 
( XXXX ) XXXX ( cell )
Consumer complaint received 2020-07-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report.

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

6. The following personal information is incorrect Account Number : Current Employer : XXXX XXXX XXXX 00 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX To Whom it may concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) regarding an inaccuracy in TransUnion, LLC credit reporting. specifically as it relates to credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 6. XXXX XXXX XXXX Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX 9. XXXX XXXX Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the fair credit report act section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

Over the course of XXXX, I've had to speak with Wells Fargo representatives more than I would have liked to in regards to my information being used, multiple times I've had to pay overdraft fees for transactions I didn't approve or have knowledge of, money going missing out of my account ( {$400.00} being the most at XXXX time ) without an explanation, random service and maintenance fees that I never had in the XXXX going on XXXX  years with the bank... I've had XXXX debit cards replaced this year and haven't received a fraction of the money that was taken from me and IT IS STILL HAPPENING, just this morning ( XX/XX/XXXX ) I was charged {$100.00} for an XXXX membership that has my debit card attached along with my email but when trying to access the XXXX account a phone number that isnt associated with me or anyone in my household is the phone number for the account... I don't take my debit card out of the house unless I'm going to purposely use it as it is and nobody has had access to my debit card or account information not even my wife .... I have lost way to much money dealing with this bank this past year and it's rolling over into this year, it's unacceptable, unprofessional & straight up WRONG... I'm the soul provider for my family and it's hard as it is with the money I make, even harder when I have money missing, account issues, debit card issues every week and then can never get any answers as to why this is happening from the company... I need these issues resolved once and for all and I would like my money back.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a been a Bank of America customer for well over a decade. Today I received a letter in the mail stating that my credit card, which I used as a backup emergency card for overdraft, was canceled. The reasons given were 'inactivity on this account, current or past delinquency, derogatory public records, and/or collection accounts, utilization of your credit is too high '. 

This is offensive on so many levels, especially considering I have been a customer in good standing with them for over a decade, I haven't used the card in a long time, and I have recently been laid off.

My credit score has dropped recently but nothing dramatic, XXXX. This will only hurt me, not help me. It gives me no agency, and will only worsen my score and my debt to credit utilization. This is such an incredibly unfair adjustment to my life without me having any say in the matter.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I got a few XXXX credit card mail offers from Citibank in XXXX. I applied for and was approved for those credit card promotions ( 3 personal account ands 1 business account ) in the time ranging from XXXX to XXXX in XXXX. I fulfilled the spending requirements of these promotion offers and Citi awarded me those miles ( ~XXXX XXXX ).  However, on XXXX XXXX XXXX XXXX forfeited those miles together with my other accrued miles since XXXX ( total XXXX miles ) and terminated my account citing the miles were obtained fraudulently via multiple XXXX credit cards. But it was Citi sending me those mail offers, and it vetted and approved my application. All of this implies that Citi is the one behind this unfair, unreasonable confiscation. It seems to me this is a deceptive bait and switch. With my XXXX  account closed, Citi now still charges me {$99.00} membership fee per XXXX  credit card account, however, I can't get any benefits or accumulate any miles in spending for the paid membership fee.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXX To Whom it may concern, This letter is a follow up to my original letter dated XXXX XX/XX/XXXX ) regarding an inaccuracy in " Equifax Credit information services, inc '' credit reporting. specifically as it relates to credit inquiries that I did not authorize, made by the following companies : 1. XXXX CARD SERVICE Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX- XXXX XXXX Date : XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX CARD SERVICE Date : XX/XX/XXXX 14. XX/XX/XXXX Date : XX/XX/XXXX 15. XX/XX/XXXX XXXX Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the fair credit report act section 1681b ( c ) and a serious breach of my privacy rights. 



Equifax is still at Failure to respond satisfactorily within 30 days of receipt of the certified letter.
Consumer complaint received 2023-02-12
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate
Consumer complaint received 2021-09-15
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. (MN)

I've disputed my dept of education loan payment history several times. The dept of ed says my loan was in collections on XX/XX/2018, yet the loan was paid off and consolidated by fed loan servicing on XX/XX/2018. It's not possible for it to be in collections when the dept of ed didn't even have the loan. My credit report shows both companies servicing the same loan at the same time which isn't possible. This should be corrected or deleted.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX Date opened XXXX XXXX, XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I wrote XXXX, Equifax and XXXX on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation
Consumer complaint received 2021-02-25
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. (CO)

There's an inquiry on my TransUnion consumer report from a company I do not recognize. I don't have an account with them, please remove these accounts and inquires. 

TransUnion Credit Report Company : XXXX XXXX Inquiry Date : XX/XX/XXXX Company : XXXX XXXX Inquiry Date : XX/XX/XXXX Company : XXXX Date Account Opened : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, my name is XXXX XXXX. I just got a copy of my credit report and there is misinformation about my residence that claims wrong information regarding my place of residence that makes it that much more difficult for me. So the apartments that I live in used in was a XXXX XXXX XXXX a couple of years ago but was remodeled and turned into actual long term apatments with a lease being signed and its definatly not a hotel anymore. For some reason on my credit file it has a special section that says my main address is a hotel/motel. Thata not fair and its holding me back in a couple areas of getting my credit score up. The apartments I stay in are named then XXXX XXXX XXXX. The address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA. I have a signed lease agreements that make the info on my report incorrect.
Consumer complaint received 2021-09-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northtown Capital Services Group LLC (MI)

So a woman claiming her name was XXXX XXXX called me this morning and left a message for me to return her call at this number XXXX which is fine normal collection practices. Right after she contacts my mom ( no big deal ) who contacts me and gives me her info. My mom then informs me that the agent XXXX XXXX told her that she just spoke with XXXX XXXX ( my fathers wife ) who would not have been my reference. She told my mom that XXXX verified my address in an attempt to get my mom to disclose information as well. So I called Ms. XXXX who was very rude. She disclosed to me with no authentication my entire social and went on to tell me how she has contacted XXXX and XXXX ( my ex husband and his dad ) to whom I havent spoke to in 10 years. Lastly before hanging up on me she blatantly advised that my credit score will be damaged. This is very disturbing all across the board as she is obviously using the internet and digging up people who I do not even associate with and havent in years, people I did not use as references and calling them and the worst part is that she is freely giving out my identifying information address social etc. I beg please look into this companies collection practices.
Consumer complaint received 2023-06-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX