davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

On XX/XX/XXXX, we received our mortgage statement for XX/XX/XXXX and noticed that our mortgage payment increased from {$4000.00} to {$4300.00}. When we inquiered about the increase we were told that our flood insurance had lapsed and that there was a force-placed insurance policy. 

We secured a one-year policy and submitted the information to United Wholesale Mortgage XXXX as directed. 

Seeing that our mortgage payment was not adjusted back to the original amount we called United Wholesale Mortgage on XX/XX/XXXX ( on a recorded line where the representative was rather rude ) it was explained that the policy had lapsed in XX/XX/XXXX. We closed on our mortgage on XX/XX/XXXX. 

On that phone conversation, we expressed that we were never notified of any issues with our insurance, ever. We requested that the representative send us copies of any notices or letters that had been send to us, and we also requested full information on the policy that was force-placed : who the company was, when the policy went into effect, etc. 

Today is XX/XX/XXXX and we have yet to receive any information. 

We dug through our online account dashboard, through all the notices and statements and information, and found nothing regarding and lapsed policies or information on a force-policy. 

We have since been very patient, giving this company enough information and ample time to review and look into this, even suggesting that the matter be escalated, but we have gotten no responses relevant to our inquiries. 

We have had a couple of phone conversations with United Wholesale Mortgage on what they keep reminding us are on a recorded line, where we request that proof of notices be sent to us, and have seen nothing to date. 

We are filing this complaint due to of the policy that was force placed on our account, because we were never notified of a lapse or any issues with our account and we are disputing the following disbursements that were made from our Escrow account : XX/XX/XXXX : - {$1200.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} XX/XX/XXXX : - {$300.00} I will attached the written request communications as of XX/XX/XXXX, but again, there are phone conversations that happened previous to these.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-21
Product: Credit reporting 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. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

To my complete disbelief, I discovered inaccurate accounts on my credit report this morning. I have no idea where they came from. I checked my credit report as I normally do, but this time there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Because of this, I'm asking that the documents Ive provided be carefully reviewed so that I can put this behind me once and for all.
Consumer complaint received 2024-08-21
Product: Credit reporting 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. (FL)

I have made repeated attempts to address the issue of unauthorized inquiries on my consumer report, but the problem persists. These inquiries are entirely unrelated to me, and I am not responsible for them. Their presence has caused me considerable mental anguish and financial hardship. As an identity theft victim, I XXXX need to resort to legal action if this matter isn't properly resolved. These false and fraudulent entries have prevented me from purchasing my ideal home and meeting my family 's needs, significantly impacting my financial situation. For your reference, I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Consumer complaint received 2024-09-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (CA)

I am having problems with contacting Fay servicing loan number ( XXXX ) in regards to pay back amount that was owed to get to current date of payment. In XXXX of XXXX  i was needed to pay around XXXX and I had XXXX to pay down the loan but I was told that i needed to get the new payout so I had to wait till the end of the month. I did not get that packet until the beginning of of th next month usually around the the 3 or 4 of the months. By that time there were new charges. I mentioned numerous time to email what is owed to become current so I do not keep being in default On XX/XX/XXXX of contacted Fay servicing and was in direct contact with XXXX XXXX XXXX } XXXX he was supposed to get in contact with me so I can pay off the charge off. At that time he gave me the routing number and the account to wire the money to. I did not hear back from him so I sent a wire transfer to the routing and acct. number so on XX/XX/year> i wired the amount of {$16000.00} to XXXX Fay servicing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Routing # XXXX Act number XXXX. As of today there was no adjustment to my payoff of XXXX which should of been in full. No as of today XX/XX/year> they do not know where my money is and the reflections of what is charge off owed is not {$20000.00} with no reflection of what i paid. $ XXXX plus {$16.00} plus k is not $ XXXX On the phone with XXXX in XXXX I had mentioned to XXXX my point of contact contact me by email which they have on file. There is idea of where my money is to this date to amount owed. I also mentioned to XXXX that my account on their website is not working is not working XXXX Mentioned it was still active on his end. to this day I still can not log into it.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-10
Product: Credit reporting 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. (FL)

Im deeply disappointed to find unauthorized inquiries on my credit report today, with no explanation as to why they're there. I checked it as I normally do, but this time there were unexplainable discrepancies. I even refreshed my browser to see if it was just a glitch, but the issue persisted. I need this matter looked into immediately so I can stop worrying about it.
Consumer complaint received 2024-08-21
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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : BANK XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} Account Name : XXXX OF XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - {$12000.00} Unauthorized Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-21
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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-09
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. (TX)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-09-04
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. (TX)

I have a lot of accounts and inquires on my consumer that are not there as a result of effort. I am resubmitting this report because the credit agencies are stating I did not send proof of identity, and the identity theft report submitted with the last complaint don't look real. So, I am sending proof of identity on this platform so there should be no excuses on why the items are not removed.
Consumer complaint received 2024-08-21
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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : BANK XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} Account Name : XXXX OF XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXX XXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX - {$12000.00} Unauthorized Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acount before i seek litigation for defamation of character ). XXXX XXXX. {$1500.00}, XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$2200.00}, XXXX XXXX XXXX XXXX. {$250.00}, XXXX XXXX XXXX XXXX. {$800.00}. 
Accounts Affected by the XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I was stunned to see inaccurate accounts on my credit report and have no idea why theyre there. I regularly check my report, but today, out of nowhere, I saw discrepancies. I even refreshed my browser, hoping it was just a glitch, but nothing changed. Due to this, Im requesting that the documents Ive submitted be thoroughly reviewed so I can put this worry behind me.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Card account was marked as charge-off with a balance of {$100.00}, and a XXXX XXXX XXXX XXXXXXXX XXXX account was marked as charge-off with a balance of {$820.00}. Additionally, a collection account from XXXX XXXX XXXX for {$3700.00}, originally from XXXXXXXX XXXX XXXX XXXXXXXX, was reported. These accounts were not opened by me, and I did not authorize any transactions related to them. 
Upon noticing these discrepancies, I secured my personal information and filed an identity theft report with the FTC. I am requesting the removal of these fraudulent accounts from my credit report. The legitimate accounts that were closed in good standing include those with XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. ''
Consumer complaint received 2024-08-15
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 to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-21
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$480.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I wanted to setup an account with all three credit bureaus to manage a credit freeze. I received an error when attempting to setup an online account with Experian. I contact Experian via phone and their automated phone system is setup to not connect you with a human but asks you go back to their website. This should not be an option for a credit bureau to treat consumers like this. I should have the option to easily setup an online account to manage a credit freeze. Experian 's system for routing calls needs to be immediately investigated by the CFPB/FTC .
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) update from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-04
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. (CA)

I am very XXXX XXXX XXXX the XXXX XXXX have not responded back to me about my investigation. I sent a letter, it's more than XXXX XXXX. I need these accounts deleted off my credit report according to the FCRA anything on your credit must be removed that you did not approve of. All of the inquires on my credit report are fraudulent and I do NOT know where they came from. I have also submitted an IDENTITY THEFT REPORT and still havent gotten a response been over XXXX XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (NJ)

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.