davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

Went to hospital XXXX and got XXXX. Multiple agents to pay at hospital XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. All of these accounts were paid directly and confirmed by date of payment, account number, credit card statements, and insurance. However - A second entity sent me a bill under the name of XXXX XXXX XXXX - different city, address and contact information from the original XXXX XXXX XXXX at the hospital. They are asking for the same dollar amount as the original bill : {$8.00} but have attached it to the false name ( but similar to mine own ) with an account number that has the original account numbers PLUS 9 additional numbers ( i.e. new account under false name being billed to me for the same amount - billing twice to one person ). 

Then, I received a second letter stating that the {$8.00} has gone into collections under the name false name but associated to me and my current address from the company " CMRE FINANCIAL SERVICES '' XXXX. I am disputing this with them and have sent that paper information back in Certified Mail. 

Sinmultaneously, I've been recieving an abscene about of phone calls from another entity called " XXXX XXXX XXXX '' XXXX. They are very definitely a call center because they called my number and left a message for someone else 's name stating that they were collecting for one company THEN called me back to correct the previous message and say they were collecting for an unknown account under my name- but that they needed my SSN before giving any information. 

My phone number is associated with a dollar amount for an unknown bill that has no paperwork or connection to any service, either known or unknown. There is no option to speak to a representative to get information about the debt they are trying to collect if you callback the number left on answering machine. You can only pay the phantom bill or leave a message. 

There is no debt. My bills are paid and up-to-date. There is no second person living at my home with a name similar to mine. I have reached out to both companies. I believe they are the same. I aim to protect my credit and my personal information from the dark web and frauds. Thank you
Consumer complaint received 2022-07-30
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. (NY)

In accordance with the Fair Credit Reporting ACT the following accounts have violated my rights : XXXX XXXX - Account number XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX US BKPT CT NY XXXX XXXX Reference number XXXX 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 2022-07-28
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. (NV)

I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Here is the list of inaccurate items that were found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-24
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. (NJ)

I noticed some unauthorized inquiries on my Experian Credit Report. I sent a dispute directly to the creditor 's. They received my dispute VIA USPS PRIORITY mail. And they failed to send me any proof or respond to the unauthorized inquiries. These inquiries should be deleted immediately.
Consumer complaint received 2023-03-15
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. (PA)

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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (PA)

the money tht student loan is stating I own is incorrect, the loan amount tht was return have not came out the loan amount. {$6800.00} in unsubsidized funds was cancel and {$4300.00} in subsidized funds was cancel over the life time of my loans. the total loan amount are incorrect
Consumer complaint received 2020-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Jefferson LLC constantly calls day and night claiming I owe XXXX XXXX over {$3000.00}. While I did get a XXXX  behind due to ID theft, I DO NOT owe them anywhere near that much as Id been paying on my computer for over 7 XXXX  years! 

I told Jefferson I would pay what I can when I can. But they call 5, 6, or more times per day every single day!!!!!! I block one number, they use another. Just in the past 2 years, Ive blocked them at least 242 times!!!!!!!!!! 
Please stop this!!!!!
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (OK)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This is continuation of the pending complaint, just to clarify further what I am looking in addition to what I described in my complaint with respect to endorsements and assignments, here are four specific things : 1. I would like to know the possession of original HELOC Note and its whereabouts as to who holds it. Is it in standalone form or part of mortgage back securities ( XXXX ) when Countrywide bundled loans and sold those XXXX? 

2. I would like to know a certified copy of its endorsement when Bank of America acquired Countrywide i.e. in what form Countrywide endorsed the HELOC Note to Bank of America? 

3. I would also like to know certified copy of its endorsement when Bank of America sold the note to another bank. My record shows that BOA had the note up until XXXX and sold the HELOC to XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XXXX. 

4. Can Bank of America provide a printout of chain of assignments in MERS system from countrywide to BOA and from BOA to XXXX as to what these dates these assignments took place. These assignments are not recorded in XXXX XXXX recorders office. MERS informed me that I need to get the assignment information from servicer so up until XX/XX/XXXX BOA was owner and servicer of this HELOC. 

thank you so much.
Consumer complaint received 2022-07-28
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. (IN)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was advised to get and review a copy of my credit report.After this review, I noticed the following accounts reporting in error.I believe these errors that were not caused by me may affect my ability to get a loan. I write to you and request these accounts to be in good standing as soon as possible.I appreciate your assistance in advance. 

Account name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : XXXX  XXXX  XXXX name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection As you can see it is very important for my credit file to consist of only accurate and verifiable information, with respect to the Fair Credit Reporting Act. Ignoring my letters will not be accepted. I can tell what has been reviewed by the dates of the activity present in your report. I will be anticipating your response and I look forward to viewing my corrected credit report.
Consumer complaint received 2022-09-11
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-07-28
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. (NY)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX  XXXX BALANCE : {$1100.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX BALANCE : {$320.00} ; XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX BALANCE : {$3700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NY)

Please be advised that I recently filed a complaint under this case # XXXX, however, since I filed that complaint there has been additional correspondence with XXXX  ( XXXX XX/XX/XXXX XXXX ) that I deem to be unsatisfactory and quite honestly another stalling tactic. 
I reached out to XXXX for mortgage assistance back on XX/XX/2022 and for the last 3 months it has been nothing but games and zero transparency. I called them yesterday to make a payment and they asked me if I am accepting the " trial payment '' that they are offering, a great deal of pressure on the phone whether or not I was accepting the terms. I never received the letter in regards to the hardship forbearance therefore they emailed it to me yesterday and it is quite disturbing. Instead of lowering the payment to assist they increased the payment by {$600.00} which results in a new payment of {$5200.00}, If I cant afford to currently pay {$4600.00} why would they suggest to increase the payment. I called them back after reading the email containing the letter and questioned why the payment would increase and not decrease and they referenced that the " escrow '' increased which is not accurate as my mortgage recently decreased by {$100.00} due to changes in the escrow. I requested that they send me this information via letter/email and they stated that this was internal information and that they could not disclose this information to me. It appears to me that the intent is malicious, unethical and that they are trying to force homeowners into foreclosure
Consumer complaint received 2023-03-15
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-07-28
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)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 ; XXXX XXXX BALANCE : {$1100.00} ; XXXX  XXXX BALANCE : {$0.00} ; FXXXX XXXX BALANCE : {$0.00} XXXX XXXX  XXXX BALANCE : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX BALANCE : {$320.00} ; XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX BALANCE : {$3700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as XXXXnformation that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-28
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 sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$12000.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-07-28
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. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-10
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. (NY)

I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.
Consumer complaint received 2022-07-30
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. (UT)

In accordance with the fair credit reporting act, the following Account has violated my rights : 1 ) XXXX  ( Also Listed As XXXX, XXXX. ), Account # XXXX, Amount {$360.00}, Account opened XX/XX/2013. 

15 U.S.C. 1681 Section 602 A States that 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 2020-05-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NC)

ON/BEFORE XX/XX/2020 I OPEN NEW SAVING/MONEY MARKET ACCOUNT WITH CHASE BANK, INCL. {$200.00} BONUS FOR NEW OPENING!! RECEIVED ATM CARD ENDING IN XXXX ON XX/XX/2020!! ON XX/XX/2020 FUNDED NEW CHASE ACCOUNT WITH XXXX FROM EXTERNAL BANK!! REJECTED!! ON XX/XX/2020, AMOUNT OF XXXX WAS REJECTED!! EX EXTERNAL BANK, ( XXXX  ) HAD SUFFICIENT AMOUNT AVAILABLE FOR TRANSFER BETWEEN CHASE & XXXX!! ON XX/XX/2020, CHASE BANK CLOSED MY ACCOUNT!! REASON FOR GIVING> WE COULD NOT IDENTIFY YOU!! AS OF TODAY, XX/XX/2020, MY ACCOUNT WITHOUT AUTHORIZATION IS CLOSED, INCL. 2 CREDIT CARD WITH CHASE BANKING!!