davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-27
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}.
Consumer complaint received 2023-07-27
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. (NE)

The unverified items 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 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-25
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. (MO)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX paty.They in fact did not come from a XXXX party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-27
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

After falling for a loan modification scam and paying a company called XXXX XXXX, we have been working with a HUD housing counselor to try to prevent our foreclosure and get back on track with our mortgage. We have been trying to submit a loss mitigation packet with Freedom Mortgage and have been getting the run around. We submitted an application and documents on XX/XX/XXXX. When our counselor followed up on XX/XX/XXXX, she was given a list of additional documetns and was told by Freedom Mortgage that we did not sign the financial report, a form designed by Freedom Mortgage which does not have a borrower signature line or page. When our counselor called back, the representative from Freedom Mortgage told our counselor that there is not a signature page and that we should sign the bottom of every page of the application. We submitted all of the additional documents on XX/XX/XXXX. When our counselor followed up again, she was given a different list of requested documents. They are now requesting new paystubs, which they did not request on XX/XX/XXXX, even though they had it noted in their system at that time. They also now would like a signed financial report and stated that they accidentally mislabeled the signature line as the contributor signature and that we should have known somehow to sign that even though we are both borrowers and not contributors.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Premier Student Loan Center (TN)

I located a company via the U.S. Department of education website. The company is called Premier Student Loan Center or another name of XXXX XXXX XXXX. They made statements that they would and have worked with XXXX XXXX to lower my payments and take care of all of my student loans. They stated that they would take care of everything. With the amount that I owed XXXX XXXX and the hope of trying to repair my credit, I began working with this company in XX/XX/2018. They obtained all of my personal information and student loan information. They stated that they would start with {$200.00} a month for 6 months and then all I would pay would be {$44.00} a month. In speaking with XXXX XXXX, the company made fraudulent statements to lower my payment. Was this for my benefit or theirs? So far they have taken {$590.00} out of my personal account and have paid nothing to XXXX XXXX. I have tried to contact PSLC or XXXX XXXX XXXX, via phone and email and have yet received a call back or email back. The service representative with XXXX XXXX said that this company has done nothing for me but add more and more interest to my loan by not paying, which is going to continue to grow and make it more and more difficult to pay off. Here I am trying to help my family and credit by getting this paid off and now its more money and they have my information too. I am looking to at least obtain my money back from this company and also the interest that was added to my XXXX XXXX account. The interest total, since XX/XX/XXXX, is {$1800.00}. Plus the additional interest that is going to add during the time to try and make resolve with XXXX XXXX while my loan is on forbearance for this incident. 
This company is not showing that they are helping people with student loans but stealing money for their own financial gain. Please help and advise.
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CO)

This letter is regarding a false debt that I have repeatedly tried to resolve with the company, XXXX XXXX XXXX XXXX XXXX. I ended up having to file a fraud report against the company with XXXX, Report # XXXX. I believe this false billing is in retaliation for reporting them. 

In XX/XX/2018, I received a bill, in the amount of XXXX, from XXXX XXXX XXXX XXXX XXXX showing a total billed amount of XXXX for date of service XX/XX/18. Please see front and back of statement dated XX/XX/2018. 

XX/XX/2018 XXXX  Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX  Insurance Contractual Adjustment of XXXX Reverse XX/XX/2018 XXXX  Payment XXXX Total insurance payments made are in the amount of XXXX, leaving a XXXX co-pay, which my secondary insurance needed to pick up. So, provided my secondary insurance information. 

Then in XX/XX/2018, I received another bill. Please see statement dated XX/XX/2018. The big problem on this bill is now that XXXX had payment from both my insurances and somehow they are trying to bill me XXXX. This bill shows the following total amount billed XXXX. 

Adjustments of XXXX XXXX  Insurance Payment XXXX XXXX  Insurance Payment XXXX The total payments and credits come to XXXX, showing this account was not only PAID IN FULL, but that it was over paid by XXXX. Yet, somehow, they come up with this XXXX number saying it is due. How can they not see their own accounting problem? 

After multiple attempts to try to get XXXX  to acknowledge the problem I finally called my insurance company who also confirmed that according to their records I was only responsible for XXXX and that if the other insurance over paid then we would not have any balance due. 

By XXXX  own accounting, the bill was XXXX, they received XXXX in credits and adjustments. So how can XXXX make up a number and send me multiple bills and ignore all my attempts to resolve this, unless it is intentional? 

In summary, I owed XXXX co-pay showed on statement dated XX/XX/18. Then I provided my secondary insurance information to XXXX to cover my co-pay. XXXX then received an additional XXXX from my second insurance which ultimately over paid the account and yet XXXX somehow says the account is still owed XXXX. The accounting on their own bill does not add up. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: Early Warning Services, LLC (GA)

I have submitted documents to this consumer reporting outlining the full extent of Identity Fraud when it comes to me. On XX/XX/2023 I submitted a dispute to Early Warning Consumer Services ( file # XXXX ) concerning the fraudulent account and inquiries that are being reporting under my personal identifying information. I talked with someone named XXXX and later some other rude woman who basically told ne verbatim that even though I submitted documentation concerning fraud, that they were going to do what they wanted and continue to report fraudulent information until I make the XXXX Police Department and the USPS Inspectors give me a police report without them conducting an investigation to see what happened to my mail. I submitted incident report numbers and a City of XXXX Police Department incident report. I also explained to them the consequences of continuing to reporting information that has been verified as fraud 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLAT Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the follo wing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates their rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

EWS has blatantly disregarded the FCRA as well. Providing access to personal information through credit bureaus without my consent.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (NY)

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. 

XXXXXXXX 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, 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 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 2023-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NV)

USbank has an advertised promotion on their website where they give you a bonus of either {$500.00} for opening a new account with a deposit of {$5000.00} or {$750.00} for depositing {$15000.00} and keeping that balance for 60 days. I opened my account at a branch and went over the details with the help of client relationship consultant XXXX XXXX on XX/XX/2023 and deposited {$15000.00} in cash. On XX/XX/2023 there was an " XXXX XXXX XXXX '' on my account for the amount of {$41.00}. I didn't understand what the charge was about because everything should have been free according to the terms of my opening my Silver Business Checking account. I reached out to their customer service and was told that I would be charged {$0.00} per {$100.00} for over XXXX units! I didn't know what she was talking about because this was a brand new account and when I did the initial deposit to open the account I was never told that I would be charged for making a deposit! This is an absolute scam and this bank is defrauding the public by making them open these accounts and then using our money and then denying the bonus on a technicality they did not disclose. Which bank charges their customers to open an account and deposit money??? This is an absolute scam! I can't even get anyone at their branch to pick up the phone and the customer service representative emailed the client relationship consultant that helped me open the account and CC'ed me on the email and still no response!
Consumer complaint received 2023-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (IL)

My mortgage was with The XXXX XXXX during the pandemic when I lost my job due to XXXX. I was in the process of a modification and was told by the representative in XXXX of 2020 not to make anymore payments and that I could go into forbearance while looking for work. I went several months without being able to speak to anyone at unemployment and it took almost 2 years to find a job. During my forbearance period I was charged numerous fees on a monthly basis. Once I gained employment I spent over a year going back and forth on modification options. My mortgage has since been sold to XXXX Mortgage whos idea of a modification is to not only increase my payment but interest rate as well. I was unaware I was even in the foreclosure process until it happened to come up while on a call about modification options with a representative
Consumer complaint received 2023-07-27
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)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I recently checked my credit score and found I had a separate account since 2021 with capital one I closed my account fully paid off my payments were erased I tried to connect my XXXX account it wouldn't let me my account is still active but I'm locked out but can still log in I canceled my account months ago because of stealing my money locking me out of my account not giving me names when I asked my complaints were erased also when I called in I had to explain all over again
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TX)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MN)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.