davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CA)

During Covid 19 pandemic in 2020. I asked for assistance to defer payments to my mortgage because I was struggling to find work to support my family. The mortgage company offered to help- I had no payments due for about a year and a half. At the end of the assistance- I was told I could modify my loan. I really feel I was mislead and falsely informed by the mortgage company representative. I was 12 years into my loan and when they modified it they put it back to 30 years and they added aprox XXXX to my loan. I have no idea how this amount could be correct. I was shocked. I have tryed asking the right questions but no one can give me a clear simple answer. I was 100 % thinking that my loan was deferred- meaning just stop payments and resume when I find stable work. But they clearly didnt explain that to me. If you look on XXXX my home says I should owe aprox {$100000.00}. I am asking for them to retroactively approve this for my loan because what they tryed doing is wrong and not helpful to a family during a worldwide pandemic that needed assistance to keep their family safe in a home. I appreciate your thoughts and support.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-21
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-04
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 hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem Experian to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Experian. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Experian initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXX. Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.
Consumer complaint received 2023-12-02
Product: Credit reporting 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)

I have did disputes with XXXX and Transunion for over 8 months on inquiries that i disputed on their respected sites, going all the way back to XXXX XXXX they refuse to removed them, I've disputed the same items again multiple times since XXXX when i learned of them via my credit report. Their still there, I'm a XXXX XXXX XXXX XXXX XXXX XXXX, with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have to ride the city bus which exacerbates my XXXX I've been trying for over 8 months to get and auto loan. I've been turned down twice just recently, because when the Banks look at all the inquiries they get spooked. This is effecting my ability to get fair treatment in lending, a vehicle would give me more opportunity in the job market outside the bus areas. I've called them both and each time i wait and nothing changesXXXX 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. I've done all the appropriate things, to build good credit, i never been late on payments on the new cards i received over the last 8 months. I've explained this to the Car agencies and the answer is till no. I think if you look into this, it's discrimination going on in this current climate more than usual, PLEASE ASSIST THE DEAD OF XXXX IS COMING THANK YOU
Consumer complaint received 2023-12-01
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. (CA)

I am not responsible for the debt with XXXX XXXX XXXX I've told them that this is identity theft and that I am not responsible for this debt and they refuse to remove it from my credit report. Also it shows that it was a loan and I've never borrowed money from them they removed the amount and I want this off my credit report
Consumer complaint received 2023-12-04
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. (PA)

I've noticed on my credit report there are numerous unauthorized accounts open that do not belong to me and I am asking that these accounts be removed as soon as possible from my credit report as it has now affected my score and these accounts are not mine thank you.
Consumer complaint received 2023-12-01
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)

This is my endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-31
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. (WA)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it states these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted this company is XXXX and this company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. However, you also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop. RMEOVE THESE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2023-11-21
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2023-11-30
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. (GA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXXXXXX XXXX XXXX XXXX XXXX Closed Accounts : 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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

Copious amounts of money were paid to this company and yet they are attempting to collect more with zero validation of debt provided to me. No evidence of validation of debt has been provided to me after multiple attempts and certified letters through USPS. 

ATTACHED ARE PAYMENTS MADE TO XXXX. 

MOVE IN XX/XX/XXXX MOVE OUT XX/XX/XXXX {$2700.00} paid {$2600.00} paid {$2600.00} paid again That is a total of {$8000.00} for XXXX months of rent when rent was only {$2600.00}. 

I WANT VALIDATION OF HOW THIS COMPANY IS ALLOWED TO PLACE ON MY CREDIT REPORTS AN AMOUNT EXCEEDING {$3000.00} NEARLY {$4000.00} WITHOUT ANY PROOF BEING SENT TO ME AND THE CFPB NOT OBTAINING THIS INFORMATION EITHER! 

I will include all parties involved in the illegal activities of not providing consumers validation of debt or due process of allowing disputes. THIS IS A DISPUTE OF DEBT
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

The company : American Express Subject : Formal Complaint Regarding Change of Due Date I am writing to formally address an ongoing issue with my Business Delta Skymiles credit card. Despite multiple requests and agreements, the company has failed to implement the requested change of due date on numerous occasions, resulting in the incurrence of multiple late fees. 

While the company initially credited two late fees as a remedy, the problem persisted. On the third attempt to modify the due date, the company once again failed to make the necessary adjustment. Consequently, another late fee was debited from my account. 

Despite providing evidence of a recorded phone conversation where the change of due date was confirmed three billing cycles prior to the occurrence of this late fee, the company has refused to acknowledge any wrongdoing. Furthermore, they have declined to reverse the most recent late fee. 

This situation is both frustrating and financially burdensome, and I am seeking resolution for the undue late fees incurred due to the company 's failure to adhere to the agreed-upon changes. 

I kindly request a thorough investigation into this matter and a prompt resolution. 

Thank you for your attention to this matter.
Consumer complaint received 2023-11-20
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. (FL)

I am writing to formally dispute and seek resolution for inaccuracies on my credit report, as reported by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following discrepancies, but as of this date, I have not received a response. The details of the inaccuracies and required corrections are outlined below : XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is incorrect and is adversely affecting my credit reputation. 
I request a revision of the Past Due information, as it is inaccurate for a closed, charged-off account. 
Kindly mark this account as disputed to prevent further negative impact on my credit score. 

XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$640.00} ) : The reported balance of {$640.00} is inflated and inaccurate. 
Past Due information is inaccurately stated for a closed, charged-off account. 
Request to mark this account as disputed until the matter is resolved with the creditor. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ) : Doubts about the accuracy of the reported balance and Past Due information for a closed, charged-off account. 
Request to mark this account as disputed while resolving the dispute with the creditor. 
Verification requested for Date Opened, Date of Status, and First Reported. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : Uncertainty about the accuracy of the reported balance and Past Due information for a closed, charged-off account. 
Request to mark this account as disputed to prevent further negative impact on my credit score. 
Verification requested for Date Opened, Date of Status, and First Reported. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ) : Inaccuracies in the reported balance and lack of contact from XXXX XXXX. 
Dispute of the entire account and request for verification of Date Opened and Date of First Delinquency.
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

On XXXX, XXXX, XXXX I made a {$1600.00} down payment on a XXXX XXXX XXXX, I spoke with the representative of Westlake Financial Services in my loan interview and was told that the call was recorded. I was asked to confirm certain information and at the end of the telling me about my payment terms I was told Id have a 90 days warranty on my engine and transmission. 

A couple weeks after that date I had been trying to get this warranty activated since there an oil leak the very next day after I brought the vehicle home. I was told that an investigation would take place on XXXX, XXXX, and that it would take 48 hours before they got back with me about the warranty, however, they never confirmed or denied anything. 

I continued to call to speak with the warranty department and was eventually told there was nothing noted about my warranty on my accounted but no one bothered to pull up the recording where this was mention prior to me making my down payment. 

I recently spoke with a manager to let them know I plan to move forward with taking actions about the loan due to the vehicle having several mechanical issues. The manager advised that I move forward with my actions, as hed understand if he were in my position as well. He has indicated once I file the complaint we can see what we can do from there