davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (TX)

This complaint is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

|*** See attached documents XXXX XXXX XXXXXXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXXXXXX XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 


| *** *** see attached documents
Consumer complaint received 2024-10-07
Product: Credit reporting 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)

I became aware of several fraudulent accounts appearing on my credit reports, which I did not open or authorize. These accounts, including auto loans, credit cards, rental charges, and collections, were established using my identity without my consent. 

I promptly reported the identity theft to the Federal Trade Commission ( FTC ) and have filed identity theft reports with both the FTC and relevant law enforcement agencies. The fraudulent activity includes the following types of accounts : Fraudulent auto loans reported since XX/XX/XXXX Fraudulent rental charges reported since XX/XX/XXXX Fraudulent credit card accounts opened between XXXX and XXXX Incorrect collection accounts reported as unpaid Despite multiple disputes with the credit reporting agencies, including requests for removal and verification, the accounts remain on my report. These inaccuracies have continued to harm my credit and financial standing.

I am seeking an immediate investigation, validation, and removal of these fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure my credit report accurately reflects my financial activity.
Consumer complaint received 2022-08-03
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX This debt is paid and reporting {$0.00} balance but still hurting my credit score. 
This issue came about during the Covid19 outbreak and was just a balance due after I moved out of my apartment. I didn't receive the statement because of staff shortage and the apartment complex not getting it to me promptly. I knew about this bill when I saw it on my credit report and I paid it immediately as you can see from report to paid date. My rent was over a {$1000.00} per month so I wouldn't have purposely let this smaller amount ruin my good credit.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, Uknown Inquiries are reporting on my XXXX, XXXX, and Transunion reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

XXXX : XXXX - XX/XX/XXXX XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX XXXX - XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/2022 - XXXX XXXX XXXX XXXX sent me an email saying that my online application for a bank account was not approved because of inconsistencies. This is when I became aware my identity had been stolen. I immediately had a fraud alert placed on the XXXX credit reporting companies. Unfortunately the damage was already done. XXXX XXXX XXXX XXXX said I need to solve the problem of removing the hard inquiry with Transunion. Transunion says I need to file a FCA report then paper mail the report along with other documents to dispute this fraudulent hard inquiry and remove the negative impact on my credit report. Online disputing is not permissible according to Transunion. I was instructed by Transunion to https : //reportfraud.ftc.gov/ which has then forwarded me to Consumer Financial Protection Bureau XXXX The goal is to have some sort of report that I can print and paper mail to Transunion.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (LA)

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. They have failed to present me with proper documents that show their method of verification. They also failed to show me original documents bearing my signature with this account. 
This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2024-10-07
Product: Credit reporting 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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2022-08-03
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.
Consumer complaint received 2022-08-03
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (GA)

Dear Sir/Madame, I am filing this complaint to inform of the misdeeds of PHH Mortgage and XXXX XXXX XXXX XXXX ). My dad who is now deceased signed documents for a reverse loan for his property at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. As the XXXX of the property I am now dealing with PHH, who has added many fees to the original loan and is violating HUD policies. Also the XXXX hired by PHH has misrepresented facts in her appraisal of the property which I have spelled out below. 

I write this letter as the XXXX of the property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXXFirst there are a few discrepancies in the appraisal done on XXXX XXXX by XXXX XXXX XXXX XXXX License/Certification # XXXX. We believe that XXXX XXXX has misrepresented the total value of the property. The property value is no more that {$200000.00} to {$230000.00}. This value is based on others property sales in the neighborhood. Please find below what we are asking for, so that we can go back to the lender with real numbers for refinance of the loan.. 

XXXXWe want to dispute the appraisal XXXXThe XXXX hired by PHH did not compare the property to the better sold comparables. The property is a XXXX and the property was compared to XXXX, XXXX and XXXX XXXX. 
XXXX. The other XXXX in the neighborhood/area sold in the range of {$200000.00} to {$230.00}. 
XXXXWe are requesting that PHH to do another appraisal. If the appraisal is refused, we will ask XXXX to do it. 
XXXXFound in the appraisal the property is listed as a XXXX and should be listed as a XXXX. 
XXXXThe minimal improvements are XXXX major components that need repair, the roof and the air conditioner. XXXX XXXX only listed minor repairs. 
XXXXWe are requesting from PHH the due and payable package which is item XXXX in the case file. 
XXXX. It should be noted that that there is nothing in the case file substantiating the value of the property. 
XXXXPHH is in violation of HUD rules XXXXAgain it must be stated that the XXXX is widely misrepresenting many items in the appraisal. 
XXXXWe will be filing a complaint against the XXXX. We will file the complaint with the XXXX XXXX and the XXXX Attorney. 
XXXXWe will also be sending the appraisal to the XXXX of HUD and CFPB. 
XXXXQuestions we would like answered : a ) What happened to the homeowner 's insurance paid for by my dad? 
b ) When did the property become HUD insured? 
c ) What's the date the lender place the insurance on the property? 
We ask that PHH takes these matters seriously, and that all can be addressed expeditiously. 
We look forward to your responses. 

Respectfully, XXXX XXXX XXXX XXXX of the Property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

Select Portfolio Servicing did not adhere to RESPA XXXX Loss Mitigation Procedure. My mortgage was XXXX in bankruptcy in XXXX, 2021. During that time to present I have submitted Request for Mortgage Assistance { XXXX ]. Each request has been denied with Select Portfolio Servicing providing no reason for the denial. I was notified that no home retention options were available to me. The only options that were still available were Deed in XXXX and short sale. Another XXXX was submitted with Deed in XXXX as my option. After countless phone call from me in regards to the status of XXXX. On XXXX XXXX I received a foreclosure sales notice by mail. Upon receiving the notice contacted SPS and was told that the Deed in XXXX had been denied and that I would receive reason for the denial in mail. No reason for XXXX denial has been received. 

On XXXX i a letter stating that SPS was offering {$7500.00} relocation assistance and that the offer had to be accepted by XXXX XXXX. The document was singed by myself and XXXX other adults in the household. The complete document was returned by fax to SPS on XXXX XXXX. I called SPS on XXXX XXXX to make sure the document had been received. I was told that the document had been received and being reviewed. On XXXX XXXX I received correspondence from SPS stating that since the cash for keys offer was not returned I no longer qualified for this option. The way Select Portfolio Servicing handles the Loss Mitigation Process should be investigated thoroughly.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IA)

I faxed an auto bill payment set up form to Fifth Third Bank on XXXX to setup automatic payments on my mortgage that had just been transferred to them because they don't allow you to set it up online or over the phone with them unless you bank with them - which is NOT mentioned on any paperwork I received, including all Welcome information. On XXXX, I spoke with a representative in the auto bill pay department to see why I was getting a letter asking me to complete the form I'd already filled out and to see if they had received my request and when it would be completed. He advised the form had been received and was in the process of being completed but could not guarantee it would be set for XXXX. I was also advised via chat that day that it can take up to two payment cycles for auto payment to be established. I don't understand how it can take so long to setup auto payments, and how it is now XX/XX/XXXX and I see that they mailed me a letter XX/XX/XXXX advising my request had been cancelled at my request since I never responded to the letters they sent AFTER I was advised to ignore them as my request had already been received. 
There is absolutely no reason why it should take so long to establish automatic payments. Fifth Third is punishing their mortgage customers who do not bank with them and seems like they are actively trying to get those customers to fall behind in order to collect fees from them. Why would I bank with a company that isn't even located in my state of residence? Why is it so hard to get an accurate response to my request? And why must I send my banking information in an unsecured manner in order to have automatic payments set up on my mortgage account? 

I thought all mortgage servicers used XXXX XXXX XXXX XXXX XXXX to service accounts. If that is the case, then automatic mortgage payments from ANY bank account are a standard feature within the XXXX XXXX servicing platform, with weekly, biweekly and semi monthly options becoming standard options around XXXX. What system are you using that is so far behind you are unable to set up payments for all of your customers?
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (OH)

Local branch of KeyBank closed in XXXX XXXX, Ohio in XXXX and was inconvenient to me to travel to the next closest branch and I wanted to consolidated multiple different bank accounts. Withdrew all my fund out in XXXX and proceeded to close my savings ( XXXX ), however checking could not be close due to a the pending transfer of fund out. Returned 5 days later after pending transfers finalized to close my checking account at the XXXX XXXX branch. I thought my checking account was closed following that visit. I proceeded to shred my debit card and check pad. 

Last week, 2 months after I thought it was closed, I received notification it was still open and now overdrawn due to monthly service fees. I went to the XXXX XXXX branch on Sat XX/XX/30. The representative at that time was able to cancel the XXXX service fee but not the XXXX. Today with no resolution seen, I called Keybank but the representative over the phone was unable to waive the maintenance fee or close the account.
Consumer complaint received 2022-08-03
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX  XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-03
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. (FL)

I have 4 accounts that do not belong to me and 2 previous addresses that are non factual I never lived there and one account that I was not late on
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. They have failed to present me with proper documents that show their method of verification. They also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONXXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.