davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC. (IL)

My husband and I sent it to the mortgage company concerning our property taxes exceptions on XX/XX/XXXX XXXX XXXX And I have been calling almost every day to get the mortgage company to give me an update on reducing our mortgage. Every time I call they are giving me the runaround when I talk with them they always connect me to different people I was told that someone's last name XXXX has a hold on our account and at this time they can't get the exceptions done. We are seniors and I have been working on getting this task taken care of since XXXX I am still fighting the mortgage company to get this corrected. So we can get our mortgage lower. This is my second complaint about the company. Is it possible to get some help we have health problems and when I'm done trying to get this issue taken care of its always a problem with them.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm contacting you to please help me resolve this issue. On my report I found inaccurate information from XXXX XXXX XXXX. They reported inaccurate and false information of a debit I never agreed to. The debit was listed at {$340.00} that was opened in XX/XX/2021 on account XXXX. After filing a complaint with the bureau. This same company created a new debit with a new account number. They also add {$200.00} to {$340.00} to the last statement to create {$540.00} out of account XXXX. Under 15 USC 1602 ( p ) Method of verification is highly demanded. XXXX XXXX removed the debit of {$340.00} but add on debit of {$540.00}. The other bureaus did not comply at all to my request of Verification by producing a signature of contractual agreement debit. Also i sent in a second letter to update my private information and take off inaccurate hard inquires.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm contacting you to please help me resolve this issue. On my report I found inaccurate information from XXXX XXXX XXXX. They reported inaccurate and false information of a debit I never agreed to. The debit was listed at {$340.00} that was opened in XX/XX/2021 on account XXXX. After filing a complaint with the bureau. This same company created a new debit with a new account number. They also add {$200.00} to {$340.00} to the last statement to create {$540.00} out of account XXXX. Under 15 USC 1602 ( p ) Method of verification is highly demanded. Tran Union removed the debit of {$340.00} but add on debit of {$540.00}. The other bureaus did not comply at all to my request of Verification by producing a signature of contractual agreement debit. Also i sent in a second letter to update my private information and take off inaccurate hard inquires.
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. (PA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Oklahoma Student Loan Authority (MA)

In accordance with the fair credit reporting act, ~Name : US DEPT OF EDXXXX Account number:XXXX XXXXDEPT OF EDUCATION/XXXX Account number 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. code 1692b- 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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: Experian Information Solutions Inc. (PA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
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. (PA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

XX/XX/2022 is when I first noticed a balance owed of {$2000.00} to my tradeline from Helvey and Associates for XXXX XXXX. This is not my debt. I was the victim of identity theft. My information was left in the home they apparently rented after me. They opened a credit card, XXXX, and lights in my name. I left the home in which belonged to my ex and only packed my clothes and moved 3 hours away  for a job. I have not lived in XXXX XXXX in 7 plus years. I live 3 hours from there. Please remove.
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (SC)

They continue to call me, XXXX XXXX, ( a XXXX person ), looking for other people who may or may not be related to me. I've asked that my phone number be removed on various occasions.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XX/XX/2021 ;
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

After pulling my credit report I noticed that XXXX, XXXX, and Experian have been acting in a trustee capacity without my consent. They have been furnishing my personal information with regards to my child on their credit reports which is a violation of my right to privacy. The file is named XXXX XXXX XXXX, the furnishing of this information is unfair to me because it was never verified by me or requested to be placed on my consumer report. They have failed to exercise any investigation and have instead contributed information to tarnish my reputation. 

I would like to know what reasonable procedures where used to ensure fairness and authenticity in this reporting. 

In addition, XXXX has allowed for my information to be shared with various companies without my consent or consideration, a few being : 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 Also, all location information I wish not to be furnished on my consumer reports. 

I would have to demansd that all items mentioned be removed and reporting be done in a lawful manner.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX OpenedXX/XX/XXXXXXXX, XXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX on XX/XX/XXXX, XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2022-08-05
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. (TX)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$62000.00} XXXX XXXX Balance : {$29000.00} XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : - XXXX XXXXXXXX Balance : -
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  AMSHER COLLECTION SERV has violated my rights. 

1 ) Account name : AMSHER COLLECTION SERV Original creditor : XXXX  Account info Account number : XXXX Date opened : XX/XX/2022 Account type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance on XX/XX/2022 : {$480.00} Original balance : {$480.00} I didn't recognize this debt. 
Eliminate this from my Credit Report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complain is against TransUnion LLC. TransUnion are reporting several incorrect and misleading information on my credit report. I wrote them many times over several months and they refused to do anything about it. The way late payments are reporting makes absolutely no sense. ( XXXX XXXX  XXXX ) Complain # XXXX XX/XX/2019 to XX/XX/2019 it was report as unkonwn, that means they put an X for XX/XX/2019 and XX/XX/2019. But, in XX/XX/2019 it said I was 30 days late, XX/XX/2019 it said I was 30 days late, XX/XX/2019 it said I was 60 days late and in XX/XX/2019 it said I was 90 days late. According to TransUnion reporting, According to TransUnion I was late 210 day within 4 months. As we all know, that is mathematically impossible. 

Complain # XXXX XX/XX/2019 to XX/XX/2019 they report current but in XX/XX/2019 they report 120 days late. How can I be 120 days late in XXXX when I am current 3 months prior? All these reporting makes no sense what-so-ever. This is affecting my life in a negative way. I have problems sleeping, its hard for me to function in my daily life I am getting XXXX XXXX I am a XXXX Veteran and I can't apply for certain jobs because of all this. I need TransUnion to delete all these incorrect and misleading reporting on my credit report so I can move on with my life.
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$130.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had an item listed for sale on XXXX and XXXX XXXX. I was contacted by a potential buyer. The item is listed for {$400.00}. The buyer allegedly lives out of state and wanted it shipped. So we settled on a price of {$440.00}. They wanted to use XXXX. Since I use Bank of America I have a XXXX account. I had never used XXXX before but thought It wouldn't be too hard. The buyer said they sent the {$440.00}. At that time I got an email from what I thought was XXXX saying that I had to upgrade my account to " business '' level to receive the full amount. To do that, the buyer had to transfer an additional {$300.00}. Then it was up to me to refund that back to them. ( As Im typing this I can t believe I fell for this ). In the fake XXXX email there were several instructions ( send the refund and send a confirmation email of the refund ) and once completed I would get the full {$740.00} to even things out. So I did as it said and sent the " refund '' for {$300.00} to the potential buyer. I never received the full amount back. I contacted Bank of America and was told that because it was a XXXX transfer, there wasn't anything they could do.