davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. After reviewing my credit report from your bureau, I noticed that there are instances of late payments listed on my account. I understand the importance of maintaining a positive credit history, and I am eager to resolve this matter. 
XXXX XXXX I kindly request your assistance in reviewing my case and considering the removal of these late payments from my credit report. I have taken proactive measures to improve my financial situation, and I am committed to ensuring that my credit history accurately reflects my current financial responsibility. 
I understand the importance of accurate credit reporting and its impact on my financial well-being. I am confident that, with your help, we can rectify this matter and update my credit report accordingly.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I obtained my full credit reports from the credit agencies XXXX, XXXX and Experian and noticed that my reports were incorrect or were missing some information about my credit card charge account XXXX available credit limit. My XXXX XXXX Account has reached out to all credit report agencies and have stated they sent in information but have not been given the correct and proper assistance with reporting the accurate information for my credit card account. 
All credit reports for my XXXX account should be showing a balance of {$16000.00} as the credit limit of 1 year and 4 months of credit age. XXXX has notified me that the credit report agencies are not cooperating with their company on reporting accurate information they have sent out and reached out to the three credit report agencies. 
I have attached the proof of emails from XXXX about this matter as well as proof of the credit limit and information for this credit account. 

This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history. 

The following incorrect information being reported currently as followed : Experian is not reporting any information currently for this account at all after confirming with XXXX that the information I have listed above is on my credit report when it is not. XXXX are currently reporting a credit limit of {$0.00} with only one month on time payment even though the account is two years old this information is incorrect. Experian has also stated they have been having problems with their data issue with reporting files but has yet to get back in contact or give an update to me or XXXX account. XXXX is lastly reporting a credit limit of {$12000.00} when the credit limit is {$16000.00} and credit age is 1 year and 4 months. 
This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc. (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (NC)

Currently, as a federally protected consumer XXXX seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore XXXX  such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct XXXX  erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. XXXX  attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing XXXX  XXXX  ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/ I had spoke to some in the department of Transunion about a hard inquiry with XXXX XXXX. I sent them documents from FTC stated someone use my info to apply for a house. I see that Transunion has it down twice on my report. Which I had the report from the FTC I sent my documents on XXXX and I havent yet to see the hard inquiry remove from my Transunion which they have it down again twice. I explain to them it wasnt mines, if they fail to remove theses hard inquiry I will get in contact with you guys.
Consumer complaint received 2024-01-07
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. (MS)

There is a fraudulent account on my credit report, titled XXXX XXXX XXXX. It is not my account, I have no knowledge of this account. Some one has stolen my information and has opened up and has opened up a fraudulent account without my permission.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (MA)

At the end of XXXX, I received an alert from XXXX XXXX XXXX XXXX a service I pay through my employment that a new account with Goldman Sachs was opened linked to my name and social security number. 
The representative assigned to my case from XXXX has assisted me in the proper steps to take. We called Goldman Sachs together on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX we spoke to XXXX who said someone would call me back, that did not happen. On XX/XX/XXXX we talked to XXXX who said it would be investigated and account would be closed, and I would receive confirmation in the mail. This was not done, on XX/XX/XXXX I received a welcome letter dated XX/XX/XXXX in the mail congratulating me on opening a Marcus account with Goldman Sachs, I called them back on XX/XX/XXXX and spoke to XXXX and explained the situation again, she apologized and ensured this time it would be investigated and closed. Now I am limbo to see if this really happens. I have frozen my credit reports and filed a complaint with the FTC so far. I just think this company 's cyber security is really lacking that someone can just logon sign up for an account without submitting any documentation besides just a name and a social security number to open an account, it's poor information security controls.
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

COMENITYCB/OVERSTOCK # XXXX : {$130.00} I trust this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit profile. I recently discovered unauthorized credit card accounts opened in my name, and it has come to my attention that these incidents are a direct result of the XXXX data breach. 

Given the nature of the situation, I am seeking your assistance in initiating a credit break to rectify the unauthorized accounts associated with my name. The affected accounts, to the best of my knowledge, were opened without my consent or knowledge, and I have taken immediate steps to report these incidents to the relevant authorities. 

I understand the severity of data breaches and their impact on individuals, and I believe that your prompt and effective intervention will be crucial in resolving this matter. I kindly request the following actions : 1. Investigation and Verification : Please conduct a thorough investigation to verify the unauthorized credit card accounts linked to my profile. Any additional information you may require from my end will be promptly provided. 
2. Removal of Unauthorized Accounts : Given the circumstances surrounding these accounts, I request the removal of the unauthorized credit cards from my credit report at the earliest convenience. 
3. Communication and Documentation : Keep me informed throughout the process and provide documentation outlining the steps taken to address this issue. Transparency in this matter is crucial for my peace of mind and the restoration of my credit integrity. 
4. Police Report : I have filed and provided a Police report from XXXX. 
5. XXXX Claim : I have a filed and attached a claim with XXXX. 
6. XXXX XXXX XXXX information Impact have provided conformation my information was exposed as a direct result of the XXXX data breach. 
7. XXXX # XXXX I understand the challenges associated with data breaches and trust that XXXX, as a reputable credit reporting agency, will handle this matter with the urgency and professionalism it demands. 

Your cooperation and assistance in resolving this issue are highly appreciated. I look forward to your prompt response and the successful resolution of this matter. 

Thank you for your attention to this serious concern. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

- vehicle total loss XX/XX/, which constitutes a material change in the consumer finance contract. 
- lump sum insurance payment to lender XX/XX/ left deficiency on loan. 
- NC contract law requires notification of deficiency following such material change - NO notification of deficiency was provided by lender, therefore the deficiency was unknown to borrower ( me ) - as soon as deficiency was made known to borrower ( 60 days after the fact via adverse reporting to credit bureau ) payment was immediately rendered to lender
Consumer complaint received 2024-01-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mobiloans, LLC (CA)

On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine. 
I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-09
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. (GA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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 EXPERIAN 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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding the reporting of a INACCURATE past due payment that NEVER WAS PAST DUE, yet the credit bureaus and CREDIT KARMA are showing the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the XXXX  submitted from XXXX  to credit bureaus.
Consumer complaint received 2024-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NJ)

Numerous phone calls were placed with only an automated message and no voicemail to be left nor a representative to speak to. I emailed the company twice asking to report and update the loan was transferred and the account closed along with a reply via letter confirming such activity. I was completely ignored. No letter, email, phone call or correction and update of information was received. My credit report has been still showing as if I have two mortgages rather than one transferred mortgage. This has rejected me from being able to obtain a loan modification, refinance or repayment of any kind. This company was aware of the transfer because it sent me the transfer letter as well as sent to the new servicer.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an 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 moreover 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 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : HYUNDAI CAPITAL AMERIC XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian refused to throughly investigate and to stop furnishing certain accounts that have been identified as ID Theft. A theft report filed with the FTC was sent to Experian listing out all my fraudulent accounts along with my personal statement as to why they are fraudulent. 
Experian stated that I knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Experian declined my request to block one or more of the items of information. 
This goes against my rights as I identified to Experian there was ID theft and that my personal information had been tied to several breaches including the XXXX breach. 
Pursuant to section 623 of the FCRA section A ( 6 ) & A ( 2 ) furnishers may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. It also states that if a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
No investigation was done, no creditors were notified to validate correct information and therefore Experian has went against my consumer rights.
Consumer complaint received 2024-01-04
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. (TX)

I noticed two companies on my credit report I never authorized. I sent Transunion a letter asking them how these companies were put on my credit report. They said they needed to do an investigation, it has been beyond 45 Days. By Fair Credit Reporting Act this is illegal to put false items on someone's credit. I have never done any business with these companies, I ask that they be removed. The account are below. 

XXXX XXXX
Consumer complaint received 2024-01-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (NY)

Due to XXXX I was laid off from my previous employer. I asked my Mortgage lender ( Freedom Mortgage ) what I could do while I look for a new job. They advised entering a XXXX  plan and ensured me it was the best option for me. Once I found gainful employment again I was ready to come off of XXXX. This loan modification process took them well over 6 to 8 months. I was never explained that entering this XXXX  would change my interest rate. After underwriting took their sweet time while interest rates were rising they finally got back to me about a loan modification bring my rate from a XXXX to currently a XXXX. Also it is a XXXX mortgage and I applied for a Partial Claim and they never followed through with the partial claim only a loan modification. My mortgage went up almost {$1500.00} a month because of there negligence and Id wish nothing more than to have this reversed and have a new lender. Please help. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}