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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX posted the wrong information, we called and they told us my account was XXXX $ so I asked why they charged me XXXX $ for no reason, they told me they are going to fix it, and in the end, they fix it and I decided to close it. 

Since I got this credit card I barely used it and it gave me a lot of problems, one of the reasons I decided to close it, was because this bank for some reason shows me charges that I never did or recognized and it charged interest of those charges and late fee. Like I said before, I don't use this card at all. When I checked it using the app and I saw those charges I called the bank immediately because I never used my card and they charge me for something that I never used and charge a late fee and other amounts that I never recognized or accepted. According to the last call they fixed it and my account was XXXX $ I decided to close it and they told me my account was XXXX $ and closed it and they told me nothing to worried. 

I called the bank to know why they report a negative and they told me to fix this issue I need to re-open the account again and the bank will fix it, so I said no, I don't want to re-open it. I don't want any relation with this bank. They didn't give more information and I told them that I need an explanation of why was the reason I got a negative on my credit. I insisted to get an answer and they were rude and disconnected the call. My credit was intact and had good points and I am trying to keep it high, but this bank affects my credit report. And according to the last call, I requested to close the account without any debt and they told me it was closed and had no debt. Please help me to resolve this issue, I need to clean my record and keep it clean. Thank you. 

Please find in the attached file where they fixed everything and put the account XXXX $ with no debt, all amount was fixed and the account with no debt. 

XXXX file number : XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (CA)

Credit Karma reported a wrongful information for me to apply for a credit card, and it had affected my credit score to drop, it stated that I have an excellent chance of getting approve for XXXX XXXX credit card, which I did went by what they send me and apply. And I did not get approve. But credit karma did stated, that I have an excellent chance of getting pre-approved for the card. Now, It has a hard inquiry on my credit report and drop my credit score. Please help. I have been trying to improve my credit score for a bigger goals to purchase a home, and put a trust in credit karma to help me, but I did not know the outcome will turn left for trusting credit karma. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-22
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. (DE)

TransUnion falsely claims that their company has did Investigations on 8 different occasions on the XXXX  XXXX XXXX # XXXX. According to the FCRA, 15 U.S Code 1681a - Definitions ; rules of construction- The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. TransUnion has failed to do a proper and accurate investigation on 8 different occasions from the dates they listed in their previous responses according to the FCRA and this is a violation of my rights and the FCRA. TransUnion has also failed to SPECIFY how the XXXX  XXXX XXXX # XXXX was verified. The file I have attached to this complaint is a Copy of the Judgement with original creditor XXXX XXXX WITH THE TOTAL AMOUNT {$940.00}. There is also another party on the judgement as well. The address for the COURT HOUSE is XXXX XXXX XXXX XXXX  XXXX, XXXX, DE XXXX, In The Justice Of The Peace Court Of The State of Delaware In And For XXXX XXXX, Court NO. XXXX. The Collection company XXXX  XXXX XXXX is reporting the amount {$5000.00} which is Inaccurate according to the copy of the judgment Ive included in this email and which Ive provided to TransUnion in the past which they have neglected to acknowledge the information provided. According to the FCRA, 15 U.S Code 1681i - Procedure in case of disputed accuracy- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL PROMPTLY DELETE THAT ITEM OF THE INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE INVESTIGATION. XXXX  XXXX XXXX and TransUnion are violating the FCRA, MY RIGHTS, AND THE LAW BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND FALSELY CLAIMING THEIR COMPANY HAS DID A PROPER INVESTIGATION ON 8 DIFFERENT OCCASIONS. TransUnion credit reporting company are violating my rights and this is a defamation of my character. TransUnion Credit Reporting company needs to remove the XXXX  XXXX XXXX # XXXX from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (TX)

This is my countless 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX Date Opened : XX/XX/2021 Balance : {$54.00}
Consumer complaint received 2024-09-17
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 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Here is the letter I sent to the Ombudsman at Select Portfolio Servicing : Dear SPS Ombudsman, I am writing you at this time to make clear my intentions for withholding my mortgage payments. 
I have been trying for over ten years to ascertain the true and legal note holder, who, based on the original XXXX XXXX Mortgage XXXX XXXX, Deed of Trust, that I signed on XX/XX/XXXX, has been assigned or retains the right to legally collect my mortgage payments, that I have been sending to SPS monthly. 

In XXXX of the many QWRs that I have mailed you for over ten years, you repeatedly state this entity as the note holder : XXXX Bank, XXXX, successor trustee to Bank XXXX XXXX, NA, successor in interest to XXXX Bank, XXXX, as trustee, on behalf of the holders of the XXXX  XXXX XXXX Certificates, XXXX XXXX XXXX is the owner of the account, and SPS is the mortgage XXXX of the account. 

My read of that long list is that you are claiming that the XXXX XXXX XXXX XXXX is the owner and holder of my Deed of Trust XXXX 

The problem with that claim is that based on a thorough investigation by a professional chain of title investigation : Based on the most recent XXXX XXXX XXXX XXXX remittance report, your ( my ) loan is not included or reference in this XXXX! 
It simply is not there! 

I signed The Deed of Trust, ( the note ), on XX/XX/XXXX was with XXXX XXXX Mortgage XXXX XXXX XXXX ( XXXX ) According to the California XXXX of XXXX, this business entity ( AMN ) was suspended or forfeited by both the XXXX  of XXXX and XXXX  Tax Board as of XX/XX/XXXX. 
On XX/XX/XXXX, the name XXXX XXXX Mortgage XXXX XXXX XXXX was surrendered whereby they were not licensed in the State of California at that time. The DOT was written on XX/XX/XXXX, XXXX YEARS AFTER THEY CLOSED BUSINESS! 

Based on the above and many less-than-legal assignments, the true and legal owner of my note is murky, possibly unknowable, or no longer exists! 
My fear is that I XXXX be paying the wrong entity or that my loan no longer belongs to anyone. Or worse, the true and legal owner of my mortgage emerges and demands XXXX years of payments that were misdirected. 
The actions I am taking are out of desperation to find the truth about my mortgage. 

If and when SPS or anyone can provide a legally justified mortgage account where you can document the disbursement of my payments and debits to either the XXXX XXXX XXXX or any legal successor I will gladly repay all of the missed payments and resume my monthly payments regularly. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
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: R & B Corporation of Virginia (VA)

CREDIT CONTROL Account # # # # # XXXX {$3900.00} Account # # # # # XXXX. {$120.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Va XXXX XX/XX/1971 XXXX XXXX and credit control cooperation failed to do a proper investigation I am requesting the procedure of there investigation. Under the FCRA they are required to respond and be 100 % accurate of the debt validation letter 15 U.SC 1681 section 602A States I have a right of privacy 15 U.SC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions Please delete these accounts immediately unless you want to be XXXX {$1000.00} per valetation
Consumer complaint received 2022-09-21
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: LEXISNEXIS (GA)

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE XXXX IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15USC1681 section 602 states I have the right to privacy.

15usc1681604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15usc1666B a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (WV)

Both of my vehicles were up for repossession  due to losing work/being put off work due to covid. I spoke with the company multiple times trying to get arrangements made since my husband and I were both out of work due to contracting covid multiple times. We were able to get help in XX/XX/2022 with getting a personal loan to pay everything that needed to be paid to keep the vehicles. Within a couple of months after giving the company just under {$7000.00} to keep the vehicles from being repossessed, the company started coming at us again trying to repossess the vehicles. I have made multiple attempts to make payments with the company for both vehicles. Every time I make a payment with them now, my accounts get disabled. I have to fight to get the accounts activated again just to make payments. I have not been able to make any payments since XXXX. Which was my last payments on both vehicles. I have tried calling every week to try to get my accounts activated again to make a payment on both vehicles. This has happened with every payment I have made in the last year. And now my vehicles are up for repossession once again and they refuse to work with us even though it is not our fault we are having these issues. My husband spoke with the company today ( XX/XX/2022 ) and is able to make a payment through an account just for the truck. I am still unable to get my account unlocked to make a payment for the other vehicle. They also stated that even though we make a payment to cover almost 3 months they will not take the one out of repossession. They are trying to make us pay almost {$10000.00} for both vehicles to keep them out of repossession. {$5400.00} for the truck and roughly {$3000.00} or so on the other vehicle. I do have the days, times, etc wrote down in my calendar/planner of all the calls and attempts for payments.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

TO WHOM THIS MAY CONCERN I AM WRITING TO REPORT ALL OF THE INCORRECT INFORMATION LISTED ON MY CREDIT REPORT. I AM A VICTOM OF IDENTITY THEFT. I AM INTRESTED IN ALL ORIGINAL CREDITORS REVIEWING THE FILES WITH THE DATES, ACCOUNTS, AMOUNTS LISTED AND REMOVE THE INFORMATION IMMEDIATELY. THIS HAS HENDERED ME FROM MOVING FORWARD DUE TO ERROS. MY CREDIT REPORT IS SUPPOSED TO BE 100 % ACCURATE ON ALL 3 CREDIT REPORTS. THAT IS NOT CASE, PLEASE REVIEW THE DETAILS IN THE FILES.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AZ)

I am the consumer. I am the natural person who is protected by the XXXX XXXX and XXXX XXXX. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For 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 XXXXXXXX. This complaint is against XXXX BANK by me, XXXX XXXX XXXX. Date of XXXX XXXX is XX/XX/XXXX. US BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. US Bank is alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. US Bank did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating XXXX XXXX XXXX and 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. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and XXXX XXXX XXXX as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed US BANK flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to Open Door to avoid the continuous threats, abuse, and harassment from US Bank and XXXX Mortgage. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. US Bank and XXXX Mortgage listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both XXXX Mortgage and US Bank. They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. US Bank, XXXX Mortgage, XXXX, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more.
Consumer complaint received 2022-11-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (MS)

We have a line of credit ( overdraft account ) that we have not been able to close. Fees keep getting charged that we cant seem to get the bank to close it. We have paid the account off again after being reported to the credit bureau the months of XXXX and XXXXXXXX XXXX XXXX We realized the account was still open due to the sudden drop in our credit scores. The account was closed again in XXXXXXXX XXXX XXXX. TD Bank acknowledges that the account should have been closed in XXXX but only offers that we start a handwritten appeal process to resolve the credit reporting issue. All the other accounts that we had with this bank were closed years ago, but we still Paid off fees that seem to accrue even though we no longer have access to the accounts. I requested the history on the accounts, but couldnt get to the correct person or division to help me.
Consumer complaint received 2022-11-13
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. (TX)

It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Credit Adjusters, LLC (CA)

This is not my loan I have police reports and whiteness to this my identity was stolen and someone we were renting our garage too at the time took a loan out in my name and collected this using my information
Consumer complaint received 2023-02-01
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)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTS ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACCOUNT, DATES, AMOUNTS OF THE IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU.
Consumer complaint received 2022-11-13
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)

Investigation took more than 30 days and nothing was changed when clearly there are misleading information and inaccuracies on my XXXX  credit report ... attached are my credit report from 2 XXXX  account.. showing those inaccuracies!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!