davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. 

You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. 

Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. 

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. 

Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Consumer complaint received 2024-11-05
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. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

account number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not removing this debt from all three credit unions but estimated drop off date on XX/XX/2017, please help me to resolve this issue. 
Thank you
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On my XXXX report I have 11 Hard Inquires including the XXXX credit cards still open from HSBC bank, but not used because it is transferred to my new HSBC credit card. Also, those XXXX cards are still there when I check my bank account statement. Additionally, all those 11 hard inquires is because of fraud. Please, if there is any way to delete or clear the 11 Hard Inquires on my credit report when it was based on fraud claims through the years. Transactions that I did not make causing my credit to be very low and can not apply for other credit cards or increase my limit.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested a proof of debt from XXXX XXXX around XXXX XXXX. This was for an account that was charged off and closed in XXXX. Prior to this I had called and tried to negotiate payment in full specifically for the closed and charged off card in return for a pay for delete which was denied. When I recieved the proof of debt owed in the mail I called XXXX XXXX and paid them the same day. However upon checking my credit report I now see that months since XXXX that showed up as Charged off/Collections/Closed now show up as missed payments when this is incorrect as the account was already charged off/in collections/closed and as such the reporting of my payments made has also went down drastically due to this change and misreporting on my account
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (FL)

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXXXXXX XXXX XXXXXXXX XXXX and National Credit Systems, XXXX, XXXX XXXX XXXX regarding their inaccurate reporting of a debt that does not belong to me. The reported debt of {$6500.00} has been erroneously attributed to me and has been adversely affecting my credit profile for an extended period. 

In XXXX 2022, I entered into a corporate lease agreement with XXXX XXXX XXXX XXXX XXXX for my Airbnb business, which did not include a personal guarantee. Attached herewith is proof of the original lease application clearly indicating the business nature of the debt. It is imperative to note that this debt pertains solely to my business and should not be reflected on my personal credit report. On top of the fact that this was a business debt, this debt was for a business I do not own, I was just a member of the business completing the application as authorized. 

I hereby request that all major credit reporting agencies promptly remove this inaccurate data from my credit report. Additionally, I am seeking compensation in the amount of {$1000.00} for the inconvenience, financial hardship, and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my direct disputes and requests for investigation, the credit bureaus have failed to conduct proper investigations and update their records accordingly, further exacerbating the financial impact and stress caused. 

I expect a thorough and expeditious investigation into this matter, compliance with FCRA guidelines, and prompt resolution of the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. XXXX literally told me that I can not have a 1 letter last name. XXXX would no longer help me any further. Experian can not find anything except when entering my middle name of XXXX as my last name. What they did find are two older accounts that were closed over 10 years ago. Experian did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX   XXXX  XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.
Consumer complaint received 2018-10-02
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. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XXXX XXXX. It is now XX/XX/2018. I sent the XXXX XXXX-XXXX and all XXXX credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2024-11-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

The escrow account was established for loan XXXX in 2012 and was for illegally placed forced placed Harzard insurance on the account in 2012. The property was under a federal stay per the escrow history document in 2012. Docket 438 Stipulated Order granting conditional relief of from stay. File XX/XX/2012 entered on XX/XX/2012 per this document states that : The parties have now entered into a agreement in settlement of the Motion to Remove Stay as more fully set forth herein. The docket states that as of the date of the agreed settlement which was on XX/XX/2012 the debtor in possession shall continue the post-petition payments of {$130.00}. Per the last paragraph of Docket 438 the court further order that if the Debtor fails to pay future post-petition payments or the delinquency of thirty days or longer the Debtor or his counsel shall be served with a 10 day notice of default indicating Movants to file an affidavit and proposed order granting a relief of stay. This relief action never happened during the Federal stay on the property per the court Docket on file. The loan was paid per the reaffirmation agreement as court ordered. 
If the default is not cured within the 10 day period, then the automatic stay which is now barring any proceeds in foreclosure against the Debtor shall automatically be lifted upon the creditor The Debtor paid the agreed payment of {$130.00} as court ordered.
Consumer complaint received 2018-10-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

Hi, I applied for a loan with Rocket Mortgage to purchase a property in XXXX GA. 
The total amount of the loan is around {$140000.00}. 
I want to say and certify I never purchased a house in USA and I am not familiar with the process or with any type of loan. 
Rocket Mortgage recommended me to apply for a FHA loan to purchase the property and this is what i did. 
During the process, I specified several times to all the parties involved including, my real estate agent, Rocket Mortgage banker and the insurance company, that my wife and my kids are in XXXX and till my wife will get her visa approved, there are lot of chances that I will rent the property. 
Rocket Mortgage told me this is a " first time buyer residence '' but NEVER mentioned I will not be able to rent the property. 
It's only at the closing, XX/XX/2018, the attorney made me signed a paper saying I will HAVE to move in and I CAN NOT rent this property for a year but it was already to late and I kind was obligate to sign. 
The attorney advised me to contact Rocket Mortgage to try to fix it. 
I contacted several persons in Rocket Mortgage, explained my situation but they kept telling me there is nothing they can do. 
I also told them, my wife is in this Visa process for over a year now and if in XX/XX/2018 she will not get her Visa approved, I will have to move back to XXXX and work from the XXXX branch of the company I am working for. Which means the house will remain empty and I will still have to pay the mortgage, why I would apply for a mortgage that will put me in this position at the first place. It was them mistake, not mine since they suggested me to take this FHA loan. 
Now I am contacting you please, first to complain about Rocket Mortgage and also to see if you can refer me to the right place where they may give me an approval to rent my property according to my circumstances. 
Thank you. 
Please contact me if you need any further information.
Consumer complaint received 2024-11-05
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. (VA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX, I provided a mechanic with my credit card details in order to release my vehicle. The vehicle had been housed for one night, with minimal diagnostics done and estimates given or billable repairs authorized. He charged my card {$1000.00}. I filed a police report immediately, reported the charge as fraudulent, and have been disputing for 10 months. After escalating the dispute as far as possible, I received a letter from the Chase executive office today saying they had " thoroughly '' investigated, and based on materials I'd provided ( they never requested any materials from me, though I made numerous attempts to provide them with documents ) they still found the charge to be valid and would not be investigating any further. 

They have allowed fraud and crime to occur without any justification for why they'd do so, and have illegally withheld my funds for the better part of a year.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CCS Financial Services, Inc. (OH)

A credit colllection company has been reporting to the credit bureau every 3 days about a derogatory account. This is illegal. They said their policy is to report every 7 days. I want to know how many times legally can a collection company report to the credit bureau? Seems a little excessive. So basically instead of charging daily interest they report to the credit bureau every 3 days killing your XXXX score?
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

I receive multiple calls from OneMain Fin ( XXXX ) XXXX. This has been going on for a month or more. Last night I received 3 calls from them within a period of not more than 2 hours. Usually, they are robocalls and no message is left but last night, from the same number, when the answering machine picked up, a woman said she was calling from a debt collection agency. As of last check, my credit score was XXXX. I don't have any outstanding unpaid debt. These are clearly scam calls and they are a major nuisance.
Consumer complaint received 2018-09-18
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX SSN : XXXX D.O.B. : XX/XX/XXXX Credit bureau XXXX, Experian, XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Thank you for your prompt assistance in this matter. 

XXXX XXXX
Consumer complaint received 2018-09-18
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: EQUIFAX, INC. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX SSN : XXXX D.O.B. : XX/XX/XXXX Credit bureau XXXX, XXXX, Equifax According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Thank you for your prompt assistance in this matter. 

XXXX XXXX
Consumer complaint received 2024-11-05
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. (IL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-11-05
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. (KY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-05
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. (OH)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-05
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. (TX)

I am contacting you to formally dispute certain inaccuracies present on my credit report. These inaccuracies are not only damaging to my credit profile but also represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

To aid in a thorough and timely investigation, I have attached documentation that clearly demonstrates the discrepancies in question. I urge you to carefully review these materials and address the inaccuracies accordingly. 

As stipulated by the FCRA, credit bureaus are obligated to ensure that all information reported is accurate and verifiable. The inaccurate data on my report, as evidenced in the enclosed documents, does not meet these standards, thus violating Sections 1681e ( b ) and 1681i of the FCRA, which require credit bureaus to ensure reasonable accuracy and to investigate disputed information.