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 fraud alerts or security freezes — 
Company: FactorTrust, Inc. (CO)

My identity was stolen including SSN, Drivers License, address. Starting XXXX XX/XX/2022. 
I immediately locked credit with the three credit agencies ( XXXX, XXXX and XXXX ). But after receiving notices from XXXX XXXX  that an account with was opened in my name was opened and had {$800.00} overdraft I found that FactorTrust is yet another credit reporting agency that was used to open ( or attempt to open ) fraudulent accounts in my name. I tried to lock my account with FactorTrust but the identification questions they asked were nonsense. Such as 'What city does XXXX XXXX live? ) My last name is XXXX, but I know of no XXXX XXXX. Other questions were just as impossible to answer. I called the customer service number and was informed that indeed, even though FactorTrust is affiliated with XXXX, that I must request a Freeze and Alert through FactorTrust even though I had already placed both with XXXX. I was also told they could not assist me with this on the phone. I would need to send a request through the mail. When dealing with fraudulent activity that is opening bank accounts and incurring large overdrafts, waiting a couple weeks for the mail to go both ways is unacceptable. 
If FactorTrust is affiliated with XXXX, then Freezing and adding Credit Alerts on XXXX should also Freeze and set Alerts on FactorTrust. Also FactorTrustr needs to review the computer algorithm that generates the security questions to make sue they are something that a typical consumer can answer. They should also be able to deal with the issue through the phone system. Mail is not an adequate channel. More immediate response is required when identity fraud is occurring. Someone is opening accounts and charging money. 
If FactorTrust is a valid credit reporting agency, then it needs to be included in the list of agencies that right now stands as XXXX, XXXX, and XXXX. These are the agencies that are suggested to lock down in case of credit fraud FactorTrust is not mentioned.
Consumer complaint received 2024-08-31
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)

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter..

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

For over two months, we have submitted repeated requests to SLS to remove the PMI from our property due to : ( a ) significant and substantial renovations of our property ; and ( b ) the imminent opening of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX station which will be just three blocks from this home and connect directly to XXXX  DC and XXXX XXXX XXXX. They asked us to submit a form authorizing an internal valuation which we promptly faxed to them, and they acknowledged receipt of on XX/XX/XXXX. We followed up again and received written confirmation on XX/XX/XXXX that an appraisal had been ordered and would be completed within 15 business days. However, they keep ghosting us or providing inconsistent timelines or information. It appears as if they are not adhering to their obligations under Federal regulations to reassess the necessity of PMI when a property has had significant renovations. These renovations have included new flooring, new appliances ( dishwasher, range, refrigerator, microwave, washer, and dryer ), a new water heater, new light fixtures, dimmable WiFi switches throughout the home, new vents, new ceiling fans, among other substantial improvements.
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. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX 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. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have 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 XXXX 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 XXXX credit bureaus and ( XXXX 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 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX  : XXXX XXXX Date Updated : XX/XX/2018
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)

This demand for instant deletion is against the information furnished by Original creditor : LEGENDS AT LEGACY. It is a false debt, and Identity theft and should not be on my consumer report for serveral reasons. 

1. This is not/and never was a consumer credit transaction.

2. Legends At Legacy was an aprartment complex owned by my former employer XXXX XXXX XXXX, who I worked as a maintance employee for and had a special apartment rental agreement with were I live for free and have to claim my rent as discount which is standard in our industry. 
3. XXXX XXXX XXXX XXXX at XXXX  to another company durring my employment and I moved when the new company aquired It. 
4. The amount displayed Is actually my rental credit I had to claim on my XXXX taxes as my income for my XXXX XXXX.. 

XXXX XXXX added this Item to my Experian Consumer Report Friday XX/XX/year> after having to delete it from both XXXX and XXXX earlier in the day for the same reasons. They can not provided the contract that created this false debt because there isn't one, They can not provide information about how this was a credit/or rental transaction because it wasn't and my employee addemun is my lease aggreement and clear states all employees must accept housing benefits as XXXXcome and claim it as income on their taxes. These people found parts of my information somewhere and have created a whole narrative about a situation that they know nothing about, should never be invovled, and are completely wrong about. I've sent them all of my information showing that I was not a regular tenant, and my ledger as well as my 1099-a, and c forms, asking them to cease and desist and stop sharing my information because my employee agreement clearly states neither party will share any information. They have refused and are misrepresenting me and creating a version of me that doesn't exist to cause me harm and extortment me into paying them a debt that is actually my income. I'm including attaching my Identity theft report to this complaint. It is once againXXXX XXXX XXXX XXXX XXXX. Same address, same principal officers. Thank you.
Consumer complaint received 2022-08-03
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. (DC)

I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
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. (OH)

Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Experian is no help with this severe issue. XXXX and XXXX have been resolving more than Experian disputes.
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. (MI)

My XXXX XXXX bankruptcy was discharged on XX/XX/2016. I live in Michigan and this should be deleted from all XXXX credit reporting agencies. It's been over 7 years. Come on now you know this is illegal.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was appointed XXXX of XXXX XXXX on or about XXXX, 2022. 
XXXX XXXX is XXXX, XXXX XXXX XXXX and was a XXXX of financial exploitation. 
I have served XXXX, where she has XXXX accounts, with XXXX orders from the New York XXXX Supreme Court. XXXX order appoints me guardian with the power to marshal her assets and the second was an Order to Compel them to provide me with the account numbers and statement. 

In a letter dated XX/XX/2022 XXXX acknowledges that it received the court order appointing me guardian back in XXXX, 2022. 

It is now XX/XX/2022 and I am still being told I can not be added to the account. I literally spend hours each day calling to see why there is still a delay. 

The excuse now is because I have to first make an appointment at a branch and only then can my " profile '' be added to the account on the bank side. I can't just walk in, I have to have an appointment and only they can make that appointment for me. I would have to do something different on the brokerage side because they won't accept the orders as compelling evidence that I have legal authority to marshal assets. 

XXXX XXXX is XXXX XXXX XXXX. She needs XXXX care. She needs her rent paid. I do not have the funds to pay for the care that she needs. XXXX to date has only provided me with copies of statements. They give me numbers to call that aren't picked up and where you can't leave a message. 

If XXXX can basically thumb their nose at a court order, then why is it that the federal government continues to grant them operating authority? 

I would really appreciate your help in this matter.
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: Experian Information Solutions Inc. (AZ)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

This collection is from XXXX XXXX XXXX XXXX XXXX here in XXXX, XXXX. 
I had severe XXXX XXXX XXXX XXXX XXXX and was taken by ambulance to the XXXX 
Several medictions were administreed and after XXXX hours I was XXXX. This was in XXXX of 2021. XXXX XXXX, my insurance, paid over {$22000.00} ( I believe ) to XXXX. They came back with a remaining balance. A call to the collection agency was met with an argumentive and rude tone. When I rquested certain detailed invoice information, she refused and informed me I had to get that from the hopspital. XXXX charges for this service. I was also " seen '' by a total or XXXX docotrs, yet only XXXX was in the room and spoke to me. 
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (SC)

I have been a customer with Td bank for many years. This last year to year and a half I have had to cancel my debit card numerous occasions because of fraud. On the XXXX of XXXX I noticed XXXX charges thay I did not make and I reported it and I was given provisional credit. I was then told that because after my card was closed the scammers didn't try to use it again that they took my money back. Last week Monday my husband had over {$5000.00} scammed on his card and has reported it right away and they once again canceled both of our cards and scammers have tried to use his since it has been closed as well. However it has been XXXX business days and they will not give us our money back or any type of answer on anything. XXXX basically owes me over {$6000.00} as there is proof the places are scams. Someone please help me. We can't even male our bulls now because we were first scammed by someone and now by Td bank. Myself amd my husband has called everyday to try to get resolution. Thank you
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. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( 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. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have 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 ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
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 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. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have 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 XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My husband passed and I was making the payments and then one day Wells Fargo said that I couldn't make payments for him anymore so I was still trying to give them payments so I can keep the house then they start saying I couldn't refinance and I kept telling them I could still make payments but they didn't want to talk to me because I was not on the mortgage I was on the d but not on the mortgage payments if I can't have my house back I would like to get some of the money that I invested in trying to keep the house by making payments that they kept and to access my husband 's savings account I couldn't get into it neither