davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have a security freeze in place that I was trying to unfreeze in order to turn my power on in my new apartment. The utility company could not verify my identity and I found they were using Experian and I had a security freeze. I tried to login to my Experian account and forgot my username and password. After several attempts, I entered my SSN and birthday info, Experian could not verify me. I figured I must have locked myself out after several attempts. I called many different phone numbers and never could get a hold of a person. The recording kept telling me to go online. It was a loop and I could never get a hold of a person. There was an option to MAIL personal identifying information to them, but I do not want to do that for obvious reasons. Please help!!!!
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-06-28
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report.
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (GA)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX  - XXXX, XXXX XXXX XXXX, XXXX - XXXX, and XXXX XXXX XXXX  - XXXX.
Consumer complaint received 2022-04-25
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. (CA)

I am a victim of Debt Parking! the bureaus have allowed illegally parked an illegal debt on my credit file. I have contacted each bureau and requested that they validate this account. These creditors have called my job relentlessly each time I explain that this is not my debt I am threatened with a warrant for my arrest being issued. I recently applied for a new position and my credit report was requested I was denied the job due to a low credit score. My credit score has been adversely affected by this Parked Debt. This is an invalid debt and THE BUREAUS ARE THE BAD ACTORS!
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Sequium Asset Solutions , LLC for committing fraud and identity theft. I have never contracted with Sequium Asset Solutions , LLC and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Sequium Asset Solutions , LLC have brought me severe XXXX XXXX XXXX I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Sequium Asset Solutions , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sequium Asset Solutions , LLC continues its collection efforts, I will file for litigation for actual damages caused, and Sequium Asset Solutions , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (PA)

On XXXX XXXX Debt Recovery Solution Attached wrongfully debt on my credit report stating that I owe this bills ( XXXX ) from XX/XX/XXXX from a hospital XXXX ( XXXX XXXX XXXX XXXX. I paid this bill back in XXXX in which I have attached the document to this complaint. Now I contact DRS Recovery Solution multiple times ( XXXX ) I even ashed for there email and faxed number and I keep getting the runaround like wrong email and faxed number no help. So this is why am filing a complaint on this company. This bill was paid and I have proof. 
Thank you XXXX XXXX
Consumer complaint received 2022-06-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (OH)

We locked the rate in at 5.125 for 1 % One week before closing I get an update that has the points at 2.25 %. When questioned the originator admitted that they made the mistake, they didn't submit the lock even though we expressly told them to.

Gave me a verbal that they would honor it... yet they are still NOT sending correct paperwork and we are supposed to close in 4 days.

I have sent the conversation that shows us expressly saying to LOCK - the original docs showing 1 % and then the 2.25 %.

The text say they would honor the agreement... but, NOTHING has been addressed.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (VT)

To whom this may concern : We were approved for a loan modification with our mortgage company at the time. Consumer loan financing. Our first payment was due XX/XX/2021. I called to pay that but was advised our loan was sold to Selene finance XX/XX/2021. Therefore my payment was denied. As I was told all payment history on file was null and void with consumer loan financing as of the XXXX of XXXX. I spoke to consumer to see whom we were sold to. The response was Selene finance. Consumer gave me their number and I immediately started calling. I can not tell you how many times I called Selene probably 30x at least! I started calling around the XXXX of XXXX prettt much begging them to take a payment which had been agreed upon for the loan modification. Selene told me they could not take anything as records had not been downloaded from consumer and they couldnt prove they were my mortgager or that I had a modification. I was told to call back in a couple weeks. This continued I for many months. Then all of a sudden around XXXX they said they had the information and if I wanted to keep my house I had to pay 3 months all at once! At this point I knew we had put in for Covid relief funds thru Vermont and we would be approved. I told them this and every person I spoke to had something different to say! I would ask to speak to a manger and was told no multiple times! They would pass me through and if they did we never received a call back! Finally I knew we weee approved by Vermonts VHFA! But they could t pay bc Selene wasnt boarded with them! They too tried to contact Selene and got no where! Selene then sent our mortgage to a law ex firm for foreclosure. This was news to us we never received a letter from the sheriff saying so or even in the mail! Honestly our loan being sent to a law office probably add things easier for us as they actually responded to our calls and emails! MY DISPUTE IS THAT SELENE charged us for XXXX dollars in attorney fees when it never shouldve gotten this far had they honored the modification in early XXXX. Which I was told by my previous mortgager that was a law and they had to for 90 days! I would like to be reindorsed this money as this was on Selene and not us. As far as I am concerned this place of business should not be on business at ALL! Please see all BBB reviews they are all true! They have put us through a living XXXX And as far as we are concerned I should sue them for more than the XXXX dollars in fees!!!!!! Please take this all into consideration and refund us our law fees of XXXX! Thank you! XXXX XXXX
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX  Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX XXXX Name of Account : XXXXXXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX  XXXX Name of Account : XXXX XXXX XXXX  Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX of Account : XXXX
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AK)

I have bought some XXXX  from XXXX XXXX and during the transaction I believe someone changed the address to the blockchain which was not the correct address so I los a couple XXXX dollars in XXXX transactions that never got resolved and I am now ready to file a claims, complaint against the blockchain and the url address that intercepted my XXXX  I tried to ask XXXX  XXXX  to fix the transaction by filling a claim with the insurance company that hendeld these types of transactions. XXXX XXXX has records of the transactions please help me out with this matter thank you very much XXXX XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

I have received several phone calls from a company called XXXX XXXX over the last few weeks stating they are attempting to collect a debt. When the calls come it is not a real person on the phone it is a prerecorded message it doesn't indicate who the call is for it just is telling me to visit there website or call them back, but they never leave a phone number to call them back at. when they called on XX/XX/2022 the call went to my voicemail so when i listened to my voicemail I had the option to call the number back that called me which was an automated system asking me to enter my SSI # which i did not do as I don't know who this company is. After calling them back and since that time they have been sending me text messages demanding me to go onto there website or call and make a payment through their automated system. There are 3 agents send me text messages XXXX, XXXX and XXXX. After asking multiple times who this debt is from they finally stated that it is from HSBXXXX ( which I have not had an account with HSBC for XXXX years ). I contacted HSBCXXXX and they stated that they have no collection case that they have turned over to XXXX and that they are not a client of XXXX. I was directed by HSBC XXXX department and the fraud department to ask for a Validation of Dept. I have asked for this several times from all 3 XXXX rep and have been told me that they will not provide this to me until I provide them with payment. The phone numbers that are texting me are XXXX, XXXX, XXXX & XXXX. The phone numbers that have been calling me are XXXX, XXXX and numbers that come up as scam or XXXX ( scam Likely ). The Rep XXXX keeps stating that I am stalling by asking for a Validation of Debt and that he is escalating this to the bureaus. He has stating in his messages that once he does this it would effect my credit and abilities to get future loans.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (SD)

I have been receiving text messages from citizens bank for a few months about a line of credit I supposedly had with them. I ignored as XXXX. I received a letter on XX/XX/XXXX saying I owed them {$1700.00} for an account called XXXX XXXX XXXX. I was told it was opened on XX/XX/2021. I or none of my family had opened this account. I have contacted them and provided all the documentation they requested. The only info I could get from them is the last 4 digits of the card since I never received any paperwork because I did not open the account. They have denied my claim now a second time and are not providing any reasons.
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. (GA)

In accordance to the Fair Reporting Act Convergent Account - 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 an account without my written instructions.
Consumer complaint received 2022-08-16
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/24 Re : Ally Financial Account To whom it XXXX concern, I am writing in response to your recent communication dated XX/XX/24 regarding the validation of the debt related to the repossession of my XXXX XXXX. While I acknowledge your response, I am still disputing the validity of the debt and require further clarification on the following points : 1. Proof of Sale and Deficiency Balance : Please provide documentation of the sale of the repossessed vehicle, including the date, time, and location of the sale. Additionally, I request a detailed breakdown of how the deficiency balance was calculated after the sale, including all fees, charges, and any proceeds from the sale that were applied to the balance.

2. Proof of Proper Notice : Please provide evidence that I was properly notified of my right to redeem the vehicle before the repossession and proof that I was given proper notice of the sale in compliance with state and federal law.

3. Chain of Custody : I request documentation proving that the repossession and sale were conducted by authorized parties, including the name and contact information of the repossession agency and any third parties involved in the sale.

4. Contract and Payment History : Please provide a copy of the original loan or lease agreement that I signed, as well as a complete payment history, including all payments made, interest, fees, and penalties that led to the repossession.

5. Compliance with State Laws : Please provide evidence that the repossession was conducted in accordance with the repossession laws in GA. This should include proof that the repossession agent followed the legal requirements for repossessing the vehicle.

Also, please include : Proof of how the deficiency balance was calculated after the sale of the repossessed vehicle.

Evidence that the repossession and sale were legally conducted and that you were properly notified.

Copies of your original contract and payment history.

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am entitled to receive clear and accurate validation of the debt. If the debt remains in dispute, I request that you cease any further collection activities, including reporting to credit bureaus, until all requested documentation is provided and reviewed.

Please respond to my request within 30 days of receipt of this letter. Failure to do so will be considered a violation of my rights under the FDCPA, and I will take appropriate legal action. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX