davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX loan modification was approved which had wrong property tax of {$340.00}. 
I have filed enough complaints about property tax either wrong calculated, wrong amount was taken out was and so on. This issue has never been resolved. I had filed a complaint with XXXX XXXX that only partial escrow was corrected. It stated in the response on XX/XX/XXXX it WAS INADVERTENTLY ADDED HOME OWNERS INSURANCE. 
From XXXX until XXXX SLS refused to correct the mess and ITS ONLY TO COVER RESPONSE SLS BACK SIDE ONLY INADVERTENTLY HOMEOWNERS INSURANCE WAS ADDED. 
ITS JUST BALONEY TO STATE INADVERTENTLY CLOE TO TWO YEARS LATER CFPB AND FEDERAL GOVERNMENT HAS BEEN MADE FOOL BECAUSE SLS KNOWS CFPB IS TOOTHLESS TIGER WILL ACCEPT ANY RESPONSE EVEN IF IT IS WRONG. 
After loan modification documents exhibit A {$340.00} property again has been added. Exhibit B after multiple complaint property tax corrected to {$260.00} request was made to correct. 
On XX/XX/XXXX a written request was made to correct by XX/XX/XXXX so loan modification can be signed and returned. Respondent failed and refused to correct property tax amount. 
Despite not returning corrected loan modification responded has been charging late fee for NONE OTHER CFPB BEING TOOTHLESS TIGER. We have been charged late fee while we are in forbearance plan. Charging a late fee without responding to my inquiry to correct loan modification is a violation of FDCPA. Likewise, is violation of FDCPA to charge late fee while I filed written dispute filed on XX/XX/XXXX and no response has been received as of XX/XX/XXXX. 
Its over 45 days I have not received response I have not received corrected loan modification. XX/XX/XXXX I requested to provide corrected loan modification its XX/XX/XXXX I have not received corrected loan modification.
Consumer complaint received 2023-07-05
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. (NV)

a while back my house was broken into and they stole my personal belongings from my house such as id social security card, drivers license, birth certificate. since then I have been seeing numerous things come up on my credit report and I have not been the one opening the accounts. I have reported to the credit bureaus but small actions have been taking, i just found out about the cfpb.
Consumer complaint received 2023-07-13
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. (FL)

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/XXXX. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 


XXXX XXXX {$450.00} XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$700.00} XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} XX/XX/XXXX
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

Accounts : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX 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. 

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( TRANSUNION ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2022-12-30
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-05
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. (FL)

TransUNion 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. 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 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Kikoff Inc. (CO)

I reached out to the Kikoff support team on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/XXXX XXXX and XX/XX/2023 and XX/XX/2023. On each attempt I received an automated response advising I would get a response back in 3 to 5 business days but there responses are usually very delayed. I ask for a resolution regarding not receiving the {$200.00} bonus. I have met all of the requirements to receive the funds but still havent gotten them. response as to why they have not processed the {$200.00} bonus that was offered. Kikoff support confirmed in all the emails that I have met the requirements and the bonus will be processed in 1-2 business days but this never happened. They have stated that I would be credited {$200.00} since XX/XX/2023. On the most recent email they advised again it would be 1-2 business days but still nothing.
Consumer complaint received 2023-07-13
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-07-13
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: Mercedes Benz Financial Services (WA)

A dealer checked my credit without explanation and my permission on XX/XX/XXXX at XXXX XXXX XXXX, Washington. While my father bought a car for me, a dealer said i should be as a cosignor on financing document. I didnt sign any financial documents at all before they run credit score. I didnt even know that he checked my XXXX XXXX until i got an email that Benz inquired my credit report.
Consumer complaint received 2023-06-11
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. (TX)

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX Have violated my rights Due to the fact that they have misreported multiple things on this account ( XXXX ) which include the wrong account number, and the date opened.Account was previously disputed and nothing was done according to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX XXXX and XXXX Have violated my rights due to the fact it has been already 30 days
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-04-24
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. (MI)

I reviewed my consumer report and noticed late payments reporting for XXXX XXXX XXXX XXXX XXXX XXXX. These are in violation of of the law and are inaccurate and I demand these accounts be deleted and permanently removed from my consumer report immediately. According to 15 USC 1681 ( 2 ) A ( I ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also my right to privacy under 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. and finally under 15 USC 1666b stating A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received an alert from my XXXX app informing me that XX/XX/2023 my account shows XXXX  days delinquent. I called the XXXX XXXX. However, I am currently in a forbearance and have been for months. This is the 2nd time that this has happened, I have been impacted and my score has dropped XXXX points because of this. I will like this immediately rectified.
Consumer complaint received 2023-06-26
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: EQUIFAX, 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 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 2023-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

i reported fraud XX/XX/XXXX as well as recently in XXXX and XX/XX/XXXX. I have just recently discovered that i am a victim of identity fraud/impersonation/theft as well as a victim of sim swapping/hijacking on all accounts pertaining to myself online and offline even my mail. i have reported it to the sheriff and police. i have went in to wells fargo various times inquiring about checks being cashed and missing transactions, statements ewithdrawals, edeposits, international transfers, check cards, online bill pay, online statements, spending reports, my name not being correct, why the states have xhanged and are different, why myaddress was changed, signaturea to who has power of my account since im not the primary when i have never given anyone permissionto be on my account etc in which they have gaslighted me about all of thisand have not allowed me to close my account in the past which i tried to many times last year and this year to do so as well as refused to answer my questions and not printing out the fraud reports that i have already made prior to going in as well as recently. in which the suspicious copy pasted statements they wells fargo printed me are missing dates transactions etc resulting in them having suspicious behaviour to a point as when i went to show proper documentation of the fraudelent activity for XXXX plus years that has been going on without my knowledge XXXX banker lunged and grabbed the paperwork and wouldnt let go, they had me close my late mates account after XXXX years in XXXX XXXX which doesnt make sense because i tried to close it when he died prior to all of this in XX/XX/XXXX XX/XX/XXXX and they wouldnt let me and even now they still wont give me answers. then they decided to forciably close my account and denied my own access to get into my own accounts weeks before they decided to closed it. to which they are hiding something because the statements they gave to me are not mine or accurate. which has resulted is financial problems directly relating to my accounts that were on autopay. to where this is causing severe mental anguish.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Hello, On XX/XX/XXXX I was looking for an apartment, I was in an extremely vulnerable situation because I needed to make a decision quickly. A scammer took advantage of this by offering me a place to stay. I was scheduled to view the apartment the next day, but was recommend that I fill out the application first. In XXXX XXXX XXXXXXXX the rental market is extremely competitive, so it's recommended that to secure your spot you should already have the application first. Again, another opportunity for the scammer to take advantage. So I sent my {$150.00} application fee, via Cash app, but shortly after decided that I wanted to change my mind. The scammer blocked me on everything. I tried to rectify this issue with my bank, they told me to take it up with cash app. Cash app doesn't guarantee buyer protection but enables business to use their app for transactions. Also according to this article https : XXXX dated XX/XX/XXXX, reports allege that Former employees estimated that 40 % -75 % of accounts they reviewed were fake, involved in fraud, or were additional accounts tied to a single individual, Their customer service keeps informing me that I should only send to reputable people. How was I supposed to know that this service was not reputable? They sure did present themselves as such. I am getting no resolve and am looking for some support.
Consumer complaint received 2023-07-05
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)

After a recent inquiry about my credit report I noticed that the information on my account was inaccurate, invalidated, and that the agencies were not reporting with 100 % accuracy. This has caused me to have XXXX  XXXX and is affecting my mental well being. 

XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in XXXX, XXXX, and Experian. First Flaw is the date account opened which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Second Flaw is the number of terms reported on the account which differs from the XXXX and Experian ( XXXX ) from the XXXX report ( XXXX ). Third Flaw is the payment status report which differs from XXXX and XXXX ( Late 120 Days ) from Experian ( Late 150 Days ). Fourth Flaw reported was the date of last payment reported which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). The fifth flaw is the date last active which differs from all three credit agencies XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). The last and final flaw is the date of last payment which differs from XXXX and Experian ( XX/XX/XXXX ) from XXXX ( XX/XX/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 an 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.

I have tried to communicate to the companies involved through the XXXX otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects my mental health, sanity, and well being.

I demand this account be removed off my credit report due to the laws stated above for the inaccuracies, misrepresentation, and questionable items on this credit account.