davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-01
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. (GA)

I have recently been informed that there is negative information reported by XXXX XXXX XXXX Reported : XXXX XXXX, 2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK (WA)

We have attempted multiple times to talk to our Mortgage Loan Provider with the given Covid-19 situation to re-finance without fruition. They do not seem to want to assist us. 
Back in XXXX we filed for forbearance due to XXXX. After messing up and reporting us to the credit reporting agencies they fixed it and the forbearance was granted. We did not pay for XXXX, XXXX, XXXX and XX/XX/2020. We began paying again and were told that after we make XXXX payment which we have for XXXX, XXXX and XX/XX/2020 we would be able to re-finance our loan. Now that we have made 3 payments online we cant even get someone to reply to our messages or emails. This is completely ridiculous and we want a solution.
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I know nothing about this company or the debt they are trying to collect on. I am requesting BOTH verification and validation. See attached. I am also requesting a copy of the original agreement between the original creditor and I as I do not think it even exists.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I had {$1500.00} withdrawn from my Cash App account ... it was unauthorized they hacked my account. I have emailed Cash App support numerous times and they will not response to my emails about my account being hacked. The date was Saturday XX/XX/2020. The amount {$1500.00}.
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX I was hit by a car and sustained XXXX XXXX and had XXXX done. I have been unable to work. I provided documentation to Navient and qualified for the income-contigent plan on the federal loans. For the private loans I was told I used my all my forbearance time but my recollection is that I did NOT use it all. I had no way to contest this and was offered no other option but to pay for the private loans in spite of my explaining my situation. I have no sick pay while I am out and not working. When they call me, it 's several times a day and sometimes a voice message telling me to call them so I can speak to a specialist that will offer me options. However I am NEVER offered options and instead told I must pay, in spite of my situation. I feel harassed by these calls as they will take place several times in one day, and in some cases the people have been rude. One occasion they asked me how am I able to pay other bills and this is really none of their business how I am managing. I was then told 'okay so you refuse to answer '. Their wording of my questions is that I am solely to blame. Furthermore, I have been paying off these loans diligently and have obeyed all their rules since I took these loans out in XX/XX/XXXX. Repayment began in XX/XX/XXXX and I have been paying regularly since then with more than % 8 interest. I am trapped in this interest rate and it is extremely difficult for me. I have been offered no other options and I do no know what to do.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (OH)

On XX/XX/year>, I received a letter from XXXXXXXX XXXX XXXX XXXX informing me that my personal data had been breached. There's no telling when this breach first occurred but as a result my name, social security number and address were compromised. On XX/XX/year> I noticed the following fraudulent account on my XXXX credit report ; ( L J Ross Associates INC. XXXX XXXX XXXX XXXX XXXX filed an Identity Theft Report with the FTC and forwarded this report to XXXX and L J Ross Associates INCXXXX XXXX XXXX XXXX  on XXXX making them aware of this fraudulent activity. I asked them to immediately remove this account from my credit report under the Fair Credit Reporting Act ( FCRA ) and also under 18 U.S. Code 1341 ( Frauds and Swindles ).
Consumer complaint received 2020-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (NH)

I have an Enterprise Bank Bonus Rewards Visa Card through Elan Financial Svcs where I make a {$39.00} minimum payment. I recently have gone through financial hardship and have been late on making a few payments when moving back home to get a job. It didn't help that they raise my APR to 25 % and the dates are inaccurately imposed on my credit reports. It states that it was opened XX/XX/2014 ( 5 yrs, 11 mos ago ) This has completely ruined my chances of getting financed for a home for me and my wife to start a family.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : XXXX. XXXX Account Number : XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Equifax is reporting late payments on this account and that is incorrect, I want these late payments deleted as this is hurting my credit score. The account is XXXX  XXXX XXXX XXXX.
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: EQUIFAX, INC. (MS)

I deny the accounts below are my debts, I acknowledge this debt was established without my knowledge and I have no contractual agreement with XXXX XXXX. 
Equifax, XXXX, and XXXX are reporting two accounts with XXXX XXXX that are not mine, evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me and XXXX has not been established disclosure creating credit or specific information such as the original contract with my signature for XXXX XXXX XXXX XXXX, supposedly agreeing to the account or payment terms. As a result, this reporting fraudulent accounts and information on my credit report provided by XXXX XXXX via Automated Customer Verification Information only. The credit report they are reporting under my social security number is inaccurate and procedures were not done to ensure maximum possible accuracy per FCRA 607 ( b ) 15 U.S.C. 1681 et seq.

I admit that I am victim of identity theft, thus filed an incident report with my local Police Department XX/XX/XXXX case number XXXX, Federal Trade Commission Identity Theft Report, and 605 ( b ) identity theft report all which have been disclosed to XXXX, XXXX, and XXXX. 
I admit that this has caused me mental distress because of humiliation and embarrassment ( court date XX/XX/XXXX ) good standing credit accounts closed, and lowered credit score which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and physical stress as she is a XXXX XXXX XXXX XXXX  for health treatment during these correspondents with XXXX XXXX and all three credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ). I have no knowledge of the account below or contractual agreement with XXXX XXXX.
Consumer complaint received 2024-09-04
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-07
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. (AZ)

I have disputed the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am requesting to have the credit freeze removed from my Credit file I am unable to pull my credit file to conduct my financial business. 
Please see my attached documents SS Card, Rental lease and Statement bills.
Consumer complaint received 2024-09-04
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. (AR)

I have discovered that there are errors in the following item ( XXXX ) XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX AR XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX open XXXX XXXX. XXXX  Account Number : XXXX open XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX open XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX open XXXX
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CO)

I have pua from dept of labor the work force told me to appy for real beneifits they said id get 4 things a code a card wages statement and coraspondence mail I received everything but the card, card services said I get a card dept of labor said I get a card but us bank said I couldn't have two cards then a us bank letter came and said activate the card I dint have im telling my case worker about that right now but my other money is on a relic card and when I changed my address they locked my account with XXXX in it they have no right us bank says it is a offline team and they cant unlock it they are not suppose to be doing that I have since direct deposited my earnings and they are coming in but that XXXX they wont let it go I direct deposited my money from that card and all but that is going to the other account can you help me get my money?
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

This information has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file.

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2020 or my company account. 
I want you to know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to file for a Chapter XXXX Bankruptcy XX/XX/2020 of this year. My bankruptcy was rightfully XXXX as of XX/XX/2020. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for Auto Loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/2020 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 

Have a blessed day!
Consumer complaint received 2020-10-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (VA)

My husband was given XXXX  orders to Florida in XX/XX/XXXX. At that time we requested a short sale and were told we were ineligible. After over a year of essentially begging for a short sale, my husband found out from the XXXX of his ship that he should be eligible due to the XX/XX/XXXX orders. With that information I reached out to your company and complained and was approved to get a short sale. The short sale was complete and I never got a breakdown of the total loss that was claimed by CitiMortgage. Additionally, there should be some responsibility of CitiMortgage for refusing the short sale for over a year in which they charged against my VA entitlement in the sum of XXXX. I would like to know exactly how they came up with this number.
Consumer complaint received 2020-10-06
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. (GA)

I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. Also an FTC report was filed containing the detail of these accounts, Thank you.