davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

I recently ended a Ch. XXXX bankruptcy and have been trying to bring my mortgage current or have it modified. I attempted to make payments on the loan on line but was restricted from doing so and was advised that as soon as they audited my Ch. XXXX payments they would notify me with a total and help make arrangements and until that time they would not be able to process payments on the account. 
I was sent the updated total by mail and attempted to contact them by phone. I have made many attempts to contact them at the number they provided, but have either been disconnected by their automated service while entering requested information or when I finally reach a operator they ca n't " hear me '' and disconnect. I have also attempted to make phone appointments with them via their website but am told my " session has ended '' when I click the submit button. 
Today they served me with a foreclosure notice and I have been once again been attempting to contact them for the last several hours with no success.
Consumer complaint received 2015-09-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (FL)

JH PORTFOLIO DEBT EQUITI Account Number : XXXX ... .... 
This information was found on my credit report from XXXX. The company above never contacted me.This is a collection company that reported a collection for a debt that started in XX/XX/XXXX on my credit report to XXXX. I have no knowledge of this debt. I have never used the credit mentioned in XX/XX/XXXX. I have only XXXX major credit card that I have been using since XX/XX/XXXX and I am in good standing. I do not know this company and I was never contacted by this company in writing to validate the debt which is not even listed to any of my credit report. I knew about this, because I have a company that monitors my credit and alerted me about this issue. Please help.
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (AZ)

I recently began to check my credit reports when I discovered a collection account from CMRE alleging that I owe {$540.00}. I do not owe any debt to CMRE or any affiliate as I have never done business with them or entered any agreements. I immediately submitted a dispute request to the credit bureaus. CMRE continues to erroneously report that this illegitimate account was verified. I then submitted a validation request in accordance to all applicable federal and state laws. CMRE received my validation request on XXXX XXXX, 2015. CMRE sent me a letter dated XXXX XXXX, 2015 simply typing my name and an amount owed. CMRE has not responded to my validation request and has not removed this trade line from my credit reports as requested. My request was submitted via certified mail with proof of delivery. I then filed a complaint with the XXXX. CMRE responded with false statements suggesting that I acknowledged the account was validated and that they were unable to contact me because I requested to cease contact. Both of these statements are false and misleading. This company continues to add damages with their violations of collection and credit reporting laws.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Employers : 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 2024-11-22
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. (MD)

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 XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX, Account name : Credit XXXX XXXX XXXX Original Creditor : XXXX  # XXXX XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account name : XXXX XXXX # XXXX XX/XX/XXXX Account name : XXXX XXXX ( Original Creditor XXXX Renew White XXXX XX/XX/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 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 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX missed payments on XXXX XXXX credit card for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX missed payments on XXXXXXXX XXXX credit card for the dates XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX credit card is a 100 % settled account. Settled with 3rd party and is supposed to be removed from credit report This things need to be removed from XXXX, TRANSUNION and XXXX credit reports
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX 2015 I submitted a bill pay for {$2000.00} from my bluebird account to an account at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX returned the money on XXXX XXXX 2015 as it was going into a non-like titled account and they did not want to allow it. It has now been 42 days and the money has still not been credited back to my account even though I have provided the trace ID of the returned funds to American Express multiple times as well as escalated the issue multiple times.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-11-22
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. (IL)

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.
Consumer complaint received 2015-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (MD)

Wells fargo is trayin to make me Pay for a check that i never deposit into there account And this is the reason why they ofer me a secur crdit card and close IT right away, i belive this is not fare. 
XXXX THE I RESIVE A CHECK FOR A COMPANY Y DO N'T REMEMBER THE CORPORATION, BUTI BELIVE THAT WAS A SCAM, I ASKEF THE TELLER AND SHE SNACHED THE CHECK OUT OF MY HANDS AND SAID THIS IS VOID CHECK, BUT STILL DEPSIT IT ANY WAY, DID NOT GAVE ME CKECK BACK FOR ME TO DESTROY AND STILL DEPOSIT ANY WAY. THANK YOU FOR YOUR TIME AND CONCERN REGARDING THIS MATTER.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (DC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-22
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. (OH)

I would like to dispute the following negative accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Experian : XXXXXXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-11-22
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)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned accounts collections, and haro inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-22
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. (NY)

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.
Consumer complaint received 2024-11-22
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. (NV)

Subject : Urgent Request for Correction of Credit Profile I am writing to address an ongoing issue regarding fraud, identity theft, and the correction of my name on my credit report. Despite repeated attempts to resolve this matter, you sent me a document listing a name that is not mine. 

For reference, my correct name is XXXX XXXX XXXX, and I do not have a middle name. I have provided ample proof of my identity, including copies of my Social Security card, birth certificate, passport, and driver 's license, yet the issue persists. 

It is unacceptable that despite my efforts and the documentation provided, my credit profile has not been corrected. Furthermore, I demand that any and all records involving XXXX XXXX XXXX 3 be permanently removed and erased from my credit report. This is clearly an error, and your continued failure to address it leaves me no choice but to consider legal action if this matter is not resolved promptly. 

Please confirm receipt of this request and provide a timeline for the correction of my credit profile. I trust that you will handle this issue immediately to avoid further escalation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WA)

I am writing you this letter to dispute XXXX late payment history from XXXX XXXX XXXX due to their loan modification program that I did n't sign up for. In XXXX XXXX I was approached by XXXX about being qualified for a loan modification. I declined the loan modification, only to have XXXX hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XXXX/XXXX/XXXX. I as well continue to receive letters from XXXX concerning my loan modification that I never signed up for. 

I spoke with a XXXX rep XXXX XXXX, XXXX XXXX XXXX, and both reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XXXX XXXX XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee
Consumer complaint received 2016-01-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION (TX)

I am a customer of M & T Bank for my home mortgage since they purchased my mortgage in XXXX. I have always paid my mortgage payment online through M & TBank 's online system. In XXXX XXXX, M & T Bank unlawfully locked me out of my account, in spite of my repeated entries of my valid username and password. I was unable to make my payment on time and was unable to receive any help from M & T Bank customer service to make my payment on time. Now, M & T Bank is insisting I pay a late fee, as well as a fee to pay with a representative, because their own online and phone automated systems did not work correctly.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I have tried to settle my account with XXXX Hunter Warfield for the last 6years.. and they have refused to accept my releting fee for the amt of {$580.00} and has been decline by several agents including Management team..
Consumer complaint received 2024-11-22
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 am writing as a victim of a data breach and subsequent identity theft. I am requesting immediate action to block and delete the fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and Section XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2015-11-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (MI)

I have several credit care accounts managed by Chase. I had taken a balance transfer offer from Chase upon opening XXXX of the cards. The balance transfer came with a 0 % finance rate for about 9 months. I made payments on time and before the promo rate expired, I paid off the remaining balance. Within 1 week of paying it off, Chase reduced the credit limit of all of my accounts with them. I went from a combined limit of about XXXX down to about XXXX. 

I believe Chase arbitrarily reduced my credit limits as 'punishment ' for paying off the balance and avoiding finance fees. 

This action by Chase severely degraded my credit limit to balance ratio and resulted in a very negative impact on my credit rating.