davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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. (PA)

XXXX and Transunion is reporting inaccurate information as far as late payments on my consumer file and I have asked them for the method of verification Numerous times, this is becoming exhausting as XXXX and TRANSUNION IS HARMING ME AND HOLDING ME BACK FROM GETTING A HOME FOR MY FAMILY DUE TO INACCURATE LATE PAYMENTS. Ive asked XXXX multiple times to look into this and to provide me with the method of verifying the late payments and if it is warranted. In addition Ive asked XXXX XXXX Transunion to remove any accounts that can not be corrected or fixed as there is no permissible purpose and there is several violations in addition to this. XXXX and Transunion has not provided any consent forms for any accounts or any documentation showing they have permissible purpose. 

These are the accounts that are harming and very concerning to me as a consumer on MY consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Please advise XXXX and Transunion to follow the law by doing a thorough and complete investigation permitted by LAW. And correct each late payment as I was NEVER LATE ON ANY ACCOUNTS. If this can not be done I respectfully demand for such accounts to be DELETED from my consumer report. 

Thank you
Consumer complaint received 2023-07-28
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. (NY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00}.
Consumer complaint received 2023-07-28
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. (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK XXXX OK OK Equifax OK XXXX OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. Midland Credit has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.

WITHOUT PREJUDICE XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (FL)

I'm sorry to trouble you, but there seems to be a mix-up. My account, which I completely paid off in 2019, is currently marked as a collection account. 

This appears to be a misunderstanding or error, as I clearly recall paying the balance and closing this account over four years ago. 

Apologies for any inconvenience, and I hope we can resolve this issue soon.
Consumer complaint received 2024-10-14
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. (VA)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2023-07-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

Mr. Cooper/Nationstar Mortgage is conducting fraudulent business under : ( 1 ) Sections 1031 and 1036 of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, 5536 ; ( 2 ) Sections 6 and 19 of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, 2617, and the regulations promulgated thereunder at Regulation X, 12 C.F.R. 1024 et seq. ( RESPA Mortgage Servicing Rule ) ; and ( 3 ) Sections 4902 ( a ) and ( b ) of the Homeowners Protection Act of 1998, 12 U.S.C. 4902 ( a ) and 4902 ( b ) ( HPA ).

Mr. Cooper is forcing home owners into unjust payment plans and threatening foreclosure without out cause.

Mr. Cooper claims to have sent us certified mail on 3 separate occasions but can not provide us with tracking numbers or signed receipts of the letters. We never received any letters because they were never sent. 

Every time we speak with a representative from Mr. Cooper, we are told different things and each representative says the other one was wrong. We are constantly given faulty information. 

Mr. Cooper has denied us the ability to make our mortgage payment on several occasions because they want to keep our account behind so they can attempt to foreclose on the property. 

This company has reported our escrow in the negative despite our insurance company having paid them less than 6 months ago.
Consumer complaint received 2024-10-11
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. (FL)

Despite exhaustive efforts and substantial evidence of identity theft provided to XXXX, TransUnion, and XXXX, the fraudulent accounts listed above remain on my credit reports. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically the obligations to conduct a proper investigation and to correct inaccuracies.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A mistaken charge was made on my Bank of America credit card for XX/XX/year>, for a XXXX hotel stay that my wife and I never actually booked for {$380.00}. We contacted the hotel, they agreed it was a mistake and they promised to credit the full amount on the credit card. However we feel that the hotel 's customer service is suspect, so I called Bank of America Credit Card Customer Service to dispute the charge in case the hotel made a another mistake. The full charge of my B of A credit card bill for XX/XX/year> is {$4500.00}, and is due on XX/XX/year>. I spoke to a Bank of America supervisor on the phone named XXXX. He refused to subtract the {$380.00} from my XXXX statement despite the fact I was disputing the charge. He said the full amount of {$4500.00} is still due on the due date or Bank of America will charge interest on my statement. I told XXXX this is illegal, but he refused to follow the laws regarding credit card disputes. I told him that Bank of America is required by law to subtract the {$380.00} from my statement balance pending resolution of the dispute and that {$3400.00} would be the amount that is required on the due date for payment in full, so no interest would potentially be charged until the dispute was resolved. XXXX refused to agree. I told him I would legally XXXX Bank of America 's understanding of the laws regarding consumer protections regarding credit cards. XXXX said he would send XXXX Bank of America 's terms and conditions, which he claims allows Bank of America to illegally proceed as I have described above. Our phone conversation was recorded. Please ask Bank of America for the recording, so you can hear exactly what was said.
Consumer complaint received 2024-10-14
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 shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser thinking it might be a glitch, but the errors remained. Now, I'm really XXXX and want my documents checked thoroughly so I can put this issue behind me.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc (IL)

On XX/XX/XXXX I decided to click on the " See my spending power '' just to see how much I could prequalify. But Affirm immediately put a freeze on my money savings account, claiming they suspected fraud and needed to verify my identity. I called Affirm support on XX/XX/XXXX because of the freeze on my money savings account. On XX/XX/XXXX and XXXX, XXXX from Affirm sent me instructions via email ( case ID : XXXX ) to verify my identity and I was able to submit that identity verification and pictures of my ID and myself. I waited their estimated 3-5 business days but did not receive resolve or any answer regarding their investigation. Instead, I keep receiving messages about my " loan application '' .They keep confusing my money savings account with a loan I don't want. This concern is NOT about a loan, it is about a MONEY SAVINGS ACCOUNT being FROZEN. I called again on XX/XX/XXXX and spoke with a higher-up agent regarding my concern and they said they would get back to me in 3 days after their investigation. On XX/XX/XXXX I received another email from XXXX trying to resolve a " loan application '' and to verify my information over the phone again. I called again and I keep asking how much longer until my account is unfrozen and they kept saying 3-5 business days and they keep giving me the runaround. I already verified my information several times through multiple agents and verified my identity to XXXX ( their link provided ). It has been XXXX business days and I have not received an email or anything regarding my account. I keep sending them messages and they are continuously ignored now. 

At this point, I am being unfairly kept from my funds.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

Account Name : CITI Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX  ( Original Creditor : 01 SYNCHRONY BANK ) Account Number : XXXX Reason : Unverified account
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX - XXXX - XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (TX)

Credence is reporting an account with an original creditor of XXXX XXXX. 
This account was set up in XXXX XXXXXXXX, VA using an email address of XXXX. The account is reflecting in charge off status Since XXXX of XXXX. The current account balance is XXXX The problem is I do not know anyone by the name of XXXX XXXX, nor have I ever lived in XXXX  XXXX. XXXX XXXX at Credence was supposed to contact XXXX to track the FTC complaint that was filed so she could see why this was denied and I have been unable to obtain additional information. I have also contacted XXXX directly to request the contract. 
I have spoke to agent XXXX XXXX ID # XXXX at XXXX who stated he sees the first complaint was filed in XXXX but does not see any resolution and then hung up on me. 

At this time I want this information removed from my credit report immediately as it does not belong to me nor have the provided the requested information.
Consumer complaint received 2024-10-01
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. (CA)

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 2024-10-01
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (MO)

To whom this concerns : My cousin XXXX is a successor of interest in a property that her grandmother purchased in XXXX for the two of them to live in. My grandmother died prior to moving into the location but XXXX did stay with my mom and dad. After both of my parents died, my sister fell behind two months on the mortgage in XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX. Well in or around XXXXXXXX XXXX XXXXXXXX she recieved a letter that stated that the insurance was being cancelled and a refund check was issued in my dead grandmas name. Well, we found out that there was still a trust for XXXX. We then went and proceeded to put the house in the trust and also attempt to put the loan in the trust. Which is still not listed correctly. After doing that we asked Loss Mitigation for help with the past due payments by putting those payments at the back end of the loan. They said to do that we need to be in forbarance and then we can do a modification to fix those payments. However, they also said not to make the three payments of forbearance and those will also be modified. On XX/XX/XXXX we were approved for a partial claim modification and all we were waiting on was paperwork to sign. In XXXX, I received another letter stating titling was having issues and needed more time. Then they told me I had to refill out all the paperwork again that I previously had filled out to get the approval, so I did and then on either wednesday or thursday XXXX  I was told we were denied. No other options were given, no one assisted in giving alternative options and they are trying to make me assume the mortgage. Not to mention on Monday XX/XX/XXXX we were told we went into active foreclosure which we are also in the path of Helene and a natural disaster. So How can we be in foreclosure when they were the ones telling us what we had to do to fix the past two payments that we needed modified. Also the reason we wanted to fix the two payments in the first place is because they are charging us {$30.00} a month for inspection costs as they can do because of the two payments we originally were behind. Please we need help with this matter as soon as possible. We are being forced into foreclosure by this company Shellpoint. I do have all the letters they sent, all the emails I sent as well as dates of times I spoke to them about this matter. How I sent multiple documents the same documents over and over again.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (RI)

Hello my name is XXXX I had a netspend brinks prepaid checking account in XXXX the account was closed due to false fraud from a direct deposit that came into my account XX/XX/2020 from XXXX unemployment department legitimately the account was closed for that fraud XX/XX/2020 with no explanation and all they let me know was the funds in the amount of {$6600.00} was sent back to XXXX  unemployment via check number XXXX thru delivery service of XXXX XXXXXX/XX/2020 Ive spoken with unemployment of XXXX numerous times and still XXXX years later no one has knowledge of the check or funds which legitimately belong To me can we investigate the Problem of the fraud so we can see that everything was legit and my funds returned to me from bank the check number is
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-28
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: Bridgecrest Acceptance Corporation (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : Bridgecrest credt company llc and account number:XXXX  XXXX