davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
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. (OH)

Transunion keeps ignoring me and not fixing anything. I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. Accounts XXXX XXXX XXXX XXXX XXXX XXXX I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. Inquiries 1 )  XXXX ( XX/XX/XXXX ) 2 ) XXXX/XXXX ( XX/XX/XXXX ) 3 ) XXXX/XXXX ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX/XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
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FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ......

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12 CFR 1006.34c, Notice For Validations Of Debt ... ...... 
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I am exercising my rights under the FDCPA to request the following information : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is authorized to collect on behalf of the XXXX XXXX XXXX. 
3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
5. Proof that XXXX XXXX XXXX " securitized '' the debt. 
6. Documentation showing the assignments of the debt from XXXX XXXX XXXX to the Secured Trust and then back to XXXXXXXX XXXX XXXX XXXX. 
7. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
8. The amount paid to purchase this debt from XXXX XXXX XXXX. 
9. The 1099c, since this debt has been charged off, written off.

10. The authorized printed and signed signature of XXXX XXXX XXXX and XXXX XXXX XXXX. 
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I am demanding that XXXX XXXX XXXX " DO NOT '' send me a printed computer generated statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX
Consumer complaint received 2022-07-11
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)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until JXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXXXXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX  XXXX, TX XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$760.00} Status Account charged off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Open. 

XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Consumer complaint received 2024-10-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC (MI)

The refi transaction closed using UWM Trac plus and virtual closing with my loan officer broker that was completed on XX/XX/XXXX. There was an error on the CD that was corrected at closing however XXXX XXXX did not fund the loan as this correction wasn't relayed to them causing a shortagein the funds to be collected from the borrower. After many repeated attempts to have someone at UWM correct this, it failed to get done. With no access to communicate with XXXX XXXX this loan took over XXXX weeks to get funded and hence, the lender being paid off then charged numerous late fees and still has not been paid or released the current mortgage lien so that UWMcan obtain first lien position.This has put me in the position where I show being 2 months behind on my mortgage with XXXX in the amount of {$2500.00} and I show having a mortgage payment due with UWM. Lakeview has reported me 30 days late due to UWM failure to complete the request of the payoff quotes submitted to them. There has been a total of 4 different payoff quotes submitted to UWM, due to payment being received after the expiration date of the first payoff of XX/XX/XXXX in the amount of {$150000.00}. Due to the payment not being received until XX/XX/XXXX there was an updated payoff request sent by XXXX XXXX in the amount {$1400.00} that was good until XX/XX/XXXX, due to the needed funds for the short fall not being received and XXXX not commutating how they will handle the short fall the funds that were sent to XXXX XXXX in the amount of {$150000.00} was returned by XXXX. My loan XXXX and I have been commutating with XXXX XXXX XXXX Account XXXX, at first he was responsive and ensured the problem would be resolved. There were 2 up to date payoff sent to UWM that have now since expired, I was told that it was being taken care of on XX/XX/XXXX but there is still no funds on file with XXXX and both of the last XXXX payoffs have expired and I am not getting an response from UWM regarding this matter. I now show having 2 mortgages and making payments on the mortgage that is suppose to be closed to try avoid losing my home but it makes my unable to pay what is suppose my current mortgage with UWM.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, CALIFORNIA XXXX Date of Birth : XXXX Last 4 of SSN : XXXX DATE : XX/XX/year> Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

XXXX XXXX finacial merged with XXXX Mortgage XXXX XXXX XXXX. Both of them are reporting the exact same information on my credit reports. Same info different name. XXXX XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc (CA)

I took a family member to the doctors because I signed the member in to see the doctor, the collection agency states I am now liable. The family member had their own insurance and from what I understand their insurance did not cover all of the costs, which was not disclosed at the time either ( another issue entirely, but not my issue ). I am clearly a third party to this and did not sign anything saying I would pay the bill. The bill is the responsibility of the person that received treatment, not me an innocent by stander. In my opinion this is fraud. The collection agency is trying to deceive me by making a unjustifiable claim.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

unfortunately i am a victim of XXXX XXXX of Debt XXXX. i have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after i supply proof of who i am as well as a victim determination letter according to 1022.124 ( B ) ( 6 )
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (SC)

I do not bank with CITI bank. I got a voicemail from CITI bank stating there was suspicious activity and to call them. I did. They stated someone tried to open an account in my name. I told them it was not me and do not push the application through. They did and I received the debit card in the mail anyway. I have talked to at least 5 people in the past few days trying to get this account closed. She said they will not close it because they have to investigate what happened, but that they would put a block on it. I do not want an account open in my name that I didn't open. Also I asked about the policy provided on their website : to apply online the person must show a government issued ID and social security number. I asked if someone requested all of that from the person that applied for this in my name and she would not tell me.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX - - 15 USC 1666 USC 1666B 12 CFR, 1026.13 Billing Error-Late payments. - Recently I checked my credit report and noticed late payments from your company.

This Edit account is inaccurately reporting payment history. Please update to paid as agreed/ never late XXXX XXXX - XXXX - 15 USC 1681e ( b ) Compliance procedures of the reports. - This account is not reporting completeness and accuracy. Your company is not assuring maximum possible accurate. Please delete this from my report XXXX -- 15 USC 1681e ( b ) Compliance procedures of accuracy the reports. - This account is not reporting completeness and accuracy. Your company is not assuring maximum possible accurate. Please delete this account from my consumer report. As a consumer by law this account must be removed. 
1 of 6 XXXX XXXX XXXX XXXX  - **** - Under 15 US CODE 1681a ( 3 ) this medical collection is in violation and can't be on my credit report - As a consumer by law this account must be deleted immediately Incorrect Name - XXXX XXXX - As a consumer by law this account must be deleted immediately Incorrect Name - XXXX XXXX XXXX - As a consumer by law this account must be deleted immediately Incorrect DOB - XXXX  - As a consumer by law this account must be deleted immediately Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - As a consumer by law this account must be deleted immediately Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - As a consumer by law this account must be deleted immediately Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - As a consumer by law this account must be deleted immediately EMPLOYER - XXXX XXXX - As a consumer by law this account must be deleted immediately FYI : I am sending this letter in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ). If you choose not to provide the above requested deletion or requested documentation of your investigation, I will pursue the enforcement of my constitutional rights.
Consumer complaint received 2024-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XX/XX/year>XXXX XXXX XXXX was serving seeing my mortgage account, loan number XXXX. As of XX/XX/year> XXXX XXXX sold my loan to flagstar Bank, loan number XXXX. Sometime between XXXX of 2024 and present XXXXXXXX XXXX is now servicing my loan. When I attempted to obtain information by logging into their website it wouldn't accept my loan number it said it was the wrong number that I was missing a number but that's the only numbers on my loan paper I can't find any information about my loan my mortgage account on the phone or when I log in I'm not able to make a payment today XX/XX/year> I don't know why but it's not allowing me to and and it's telling me that I have the wrong password and I know I don't have the wrong password.. usually you're able to find out information about your loan and your last payment and all that other good stuff by calling them you don't necessarily have to speak to a live operator or anything but I'm unable to do that now they also told me that my social security number is associated with three different loans. Loan number XXXX. Loan number XXXX. Loan number XXXX. This concerns me I only have XXXX mortgage loan and it should be the one ending in XXXX. I also have my county taxes and home insurance are included in my escrow monthly payment. My monthly payment was originally {$3800.00} for XX/XX/year>. My payment for XX/XX/year> is {$3800.00} I've never been late or missed a payment and I don't know why it's a different amount nobody 's notified me about any changes. The fact is I should be able to get information on my loan no matter what time of day it is whether it's through the phone or when I log into their account but I'm unable to do that it keeps saying that they don't recognize me. And as of XX/XX/XXXX I'm unable to make a payment and nobody 's there no live operator is there to take my call and I'm unable to do it through the phone system and I'm unable to do it when I log on to their App.
Consumer complaint received 2024-10-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

XXXX XXXXXXXX XXXX XXXX XXXX  TX -- Physical Address XXXX XXXX XXXX I resided at this residence between XXXX. During this time I paid my monthly rent as per agreement through the end of my contract. Provided 60 day notice as required, and paid pro rated amount for the month of XX/XX/XXXX. 
Received a text message XX/XX/XXXX of owed rent which I immediately responded and have text documentation to show that the ledger would be updated. 
Received collection notice from XXXX indicating a collection charge for $ XXXX for unpaid rent. Immediately contacted the collection agency and apartments to resolve the matter. Provided the following : Leasing Agreement Copy of 60 day notice moving required Monthly statements of paid rent XXXX Letter from utility company ( XXXX XXXX XXXX showing transfer of services to new location XX/XX/XXXX. 
Email correspondence from XXXX XXXXXXXX XXXX XXXX with XXXX XXXX indicating that he would be contacting XXXX to update their records.
Consumer complaint received 2022-10-28
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. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$580.00}
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health.
Consumer complaint received 2024-10-28
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. (PA)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 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 2021-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I open a PayPal account to make online purchases but when I added my SSN, PayPal block me telling that maybe I can be a risk for them but I dont know why because Im a good person and I havent any problem with my identity So I need to reopen my account because there was an error with PayPal customer services
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX