davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
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. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX. THIS IS THE 3RD TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX. 
The following phone numbers are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have an unverified account from the following companies : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. 
My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XXXX # XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid 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: DISCOVER BANK (TX)

I have gone back and forth with Discover card since XX/XX/XXXX regarding a dispute for a gym manager that I can not use. They favor the merchant over the customer after plenty of supporting documentation was provided.
Consumer complaint received 2020-09-11
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: Santander Consumer USA Holdings Inc. (AZ)

I contacted Santander around XXXX XXXX of XXXX  time frame and explained I was having a Hardship with a serious health condition. The agent said that my credit reporting would be changed to reflect me being current for XXXX and XXXX and they would add those payments to the end of my contract. I recently applied for a mortgage and found the that did not take place,
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc (MD)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I  realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2023-07-23
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. (IA)

RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Transunion and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 

XXXX XXXX XXXX ( Finance ) unauthorized XX/XX/2023 XXXX XXXX  ( Bank ) ( Buisness ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 ( buisness ) XXXX XXXX XXXX ( Finance ) XX/XX/2023 I request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. Thank you for your diligence in looking into this issue. 



Sincerely, XXXX XXXX XXXX XXXX XXXX ( Finance ) unauthorized XX/XX/2023 XXXX XXXX ( Bank ) ( Buisness ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 ( buisness ) XXXX XXXX XXXX ( Finance ) XX/XX/2023 2023
Consumer complaint received 2016-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

We have had a 30-yr. mortgage for 10 years ( XXXX/XXXX/XXXX ) with XXXX ( XXXX. XXXX XXXX, XXXX, OH XXXX ) on our primary residence. Last month, we received a monthly mortgage statement from Seterus, Inc. ( XX/XX/XXXX ), without my knowledge that XXXX had transferred our mortgage to Seterus so I sent our payment of {$2300.00} on XX/XX/XXXX. A week after that, we received a letter from XXXX notifying us that the check was sent to XXXX, XXXX being our new mortgagor since it 's still within the XXXX transaction period between XXXX and Seterus, Inc.. We called XXXX and found out that they have transferred our mortgage to XXXX XXXX XXXX and was told that they have sent a " Good-bye '' letter through USPS . Unfortunately, I ( XXXX XXXX ) was on a trip outside of the US since XXXX XXXX, XXXX and returned on XXXX XXXX, XXXX. While away, I tried to contact XXXX through email payment but was not allowed to do such transaction because the correspondence was considered " suspicious. '' Therefore, that did not allow me to pay our monthly mortgage for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX on line ( without my knowledge that our account was already transferred on XXXX XXXX, XXXX ). I called XXXX and complained about not forwarding the " Good-bye '' letter through email since I have been corresponding with them for years through email and why it was different this time when they wanted to send the good-bye letter. Had I received that good-bye letter through email, I could have told my husband to arrange payment with them with my authorization. I believed that they did not give us a chance to make the necessary payment arrangement before they transferred our account to Seterus. We contacted Seterus, Inc. trying to make a {$1500.00} payment on XXXX/XXXX/XXXX. We also let them know that the amount is all we can afford to pay towards our mortgage since I have been unemployed since XXXX XXXX, XXXX. My husband is a veteran and is receiving XXXX benefits. He 's recently on a car accident and sustained XXXX which he will require and is scheduled for a XXXX on XXXX XXXX, therby limiting his ability to earn more money. Seterus, Inc. was not helpful and rude that they have threatened us to foreclose our home. I have paper trail to show our attempt to catch up with our payments as well as travel documents to prove that I was not in the USA when XXXX sold our mortgage to Seterus. Inc.. At this time Seterus has put the {$2300.00} as a suspense account.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

Since XX/XX/2015 I have been in dispute of fraudulent accounts that have been opened in my name. I contacted all three credit bureaus and notified them of my situation. They requested for me to file a police report and send them my identity theft report, both of which I have done. XXXX and XXXX have since removed the accounts from my credit report but Equifax has refused to remove them. I have called Equifax about XXXX times in the last three months and have spoken to many different departments in hopes of getting these fraudulent accounts removed. I have been trying to join the U.S mil-tary since XX/XX/XXXX and have not been eligible due to my credit report have theses fraudulent accounts. I have explained the urgency of my situation to Equifax but they give me the run arounds and keep asking me to send them the save documents I have already sent over 6 times both by certified mailing, fax, and on their website. I have filed a smalls claims against Equifax with a court hearing scheduled on XX/XX/2015 because they are causing me damages and defamation due to their refusal to remove the fraudulent accounts. 

I ask your agency to please assist in contacting Equifax about how they have been handling my investigation and having them due their due diligence properly. At this point, I am missing out on loss income due to not being able to enlist in the military. Please help me as I only want to have these accounts removed from my file. I will be attaching the last documents I have sent to Equifax legal in regards to my situation.
Consumer complaint received 2016-06-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Acceptance Solutions Group, INC (WI)

They keep harassing me calling my job and putting my job in jeopardy ..after months of talking to Wisconsin acceptance customer she said she would work with me n now coming to find out there are trying to garnish my checks and put a judgement on my name and that 's not far the loan amount was XXXX now they want XXXX plus XXXX dollars to stop garnishment o want the phone calls to stop
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Transunion has denied my access to my credit report. I have tried multiple times to access it on Transunion 's website and in writing. I believe this is due to retaliation when I reported multiple instances of inaccurate information and violations of the FCRA to CFPB and the FTC for obvious violations of inaccurate reporting and negligent consumer reporting that violates the FCRA.
Consumer complaint received 2023-07-23
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. (IL)

On XX/XX/23 i submitted a dispute to all three credit reporting agency with no response, on XX/XX/23 i submitted my XXXX letter with no response, on XX/XX/23 i submitted a complaint and all three credit reporting agencies stating they verified the inaccurate information and never sent me an updated report, on XX/XX/23 i filed an FTC report and mailed to all three credit reporting agencies with no response, this has been an ongoing issue, as i am a victim of identity theft. there are mispelled names that do not belong to and addresses i never lived at.
Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Our mortgage company Seterus has failed to provide us with monthly statements for several years. They have varying reasons as why this is the case, all of which are not their fault. In XXXX 2015, I filed a complaint with CFPB ( Case # XXXX ) due to the severity of our financial situation at that time. We never received a " regular '' statement by mail, but our online access was restored. I still have online access, but the most recent statement is XXXX 2015. I am now missing 6 months of statements. Surely this ca n't be legal.
Consumer complaint received 2022-05-04
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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dept of Ed/XXXX XXXX ( XXXX  accounts ) 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report contain any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish my consumer report without my written consent.

15 USC 1681s-2 ( a ) ( 1 ) ) states 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.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-05-04
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. (TX)

Transunion closed a dispute in XX/XX/XXXX on my credit report stating the investigation was properly investigated and results came back verified as accurate and REMAINS. This is inaccurate because date of last payment is XX/XX/XXXX which is inaccurate, and date closed XX/XX/XXXX is inaccurate. From XX/XX/XXXX through XX/XX/XXXX no data is available as shown on Transunion. Starting in XX/XX/XXXX my student loan account shows a late payment of 90 days which is inaccurate. From XX/XX/XXXX through XX/XX/XXXX each month shows 120 days late which is inaccurate. Transunion shows that my reported last payment date is XX/XX/XXXX. How then is it possible 11 months later on XXXX of XXXX I am showing 90 days late? 
Transunion reports that my removal date of this debt is XX/XX/XXXX this is inaccurate. Wouldn't my removal date be XX/XX/XXXX at the very minimum? These inaccuracies are grounds for removal as they are clear violations of my rights. 

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-04
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: Bread Financial Holdings, Inc. (CA)

I got 6 credit alerts of new inquiries that i never made. 
XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX bank And on XX/XX/XXXX i got a call from a XXXX XXXX representative notifying me that someone tried to purchase something in person using a picture ID with my name. 
I dont know if they made any purchases yet, thats what im trying to see and make the report to avoid any transactions from this stores and future transactions too.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NY)

Ally auto financing I have a car loan through in XXXX after the covid 19 pandemic hit. I had lost my job. I had some late payments due to unemployment. Prior to the pandemic and after all my payments were made on time through auto pay. I've disputed these late payments with ally auto 3 times to have them remove it from my credit report since XX/XX/XXXX and they have not done so. It's heavily affected my credit score. I was re employed after about 5 months to the same company I worked for. Please look at my good standing account prior and after to the XXXX covid XXXX pandemic. Please have this removed. This should've been taken seriously and removed and or not reported to the credit bureaus. Please help me I have not noted the 3rd dispute reference number XX/XX/XXXX ref # XXXX XX/XX/XXXX ref # XXXX
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

A judgment was granted against me for summary ejectment in magistrate court in XXXX XXXX, 2011 in XXXX County Courthouse, XXXX, NC under file # XXXX. I filed an appeal to District Ct. under file # XXXX the judge ordered that I pay {$340.00} which I had paid partially in an appeal bond of {$320.00}, I paid the remaining balance of {$17.00} after the hearing on XXXX XXXX, 2011. After the magistrate hearing XXXX the owner of the leasing company reported to the credit bureau the judgment and even though it was paid in full 4 years ago he refusing to allow the bureaus to remove or correct the judgment on my report. I have asked him to correct the report and I have filed several requests for investigation to Equifax. I have filed a civil action against XXXX because he will not allow the bureau to correct the information and tell the bureau that money is still owed even though the clerk of clerk has marked the judgment paid in full. The caption on the judgment is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is owned by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NC XXXX phone # XXXX XXXX XXXX I am the former spouse of a XXXX XXXX ( XXXX ) trying to re-establish my credit after the divorce to be able to support my kids and buy a home for them.
Consumer complaint received 2022-05-04
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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