davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Accordingly, as per the fcra you were required to conduct a reasonable investigation and delete the disputed information as requested XXXX XXXX XXXX  acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX before the end of the 30 day period of the day.You received my dispute letter on XXXX XXXX thetefore are response was due XXXX XXXX. instead of sending me a response letter within a result of a instigation of the disputed information you mail me a letter daily claimant whatever verbiage Verified. 
clearly you have willfully fell to delete the disputed information requested.In lieu fully fail to conduct a reason above this concerns me as i do not understand how you arrived at this conclusion since the information is indeed incorrect. 
this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditors associated with my earlier dispute under fcra 611 ( a ) filled with on ( XXXX XXXX ) to be more specific, based on fcra 611 ( a ) ( 2 ) ( b ) you were required to forward all of the relevant information i provided by you to the creditor for their investigation of my dispute .please provide me with all the information you used for your investigation of my dispute. please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

please reply withn 15 days or delete the negative items, as originally requested. below are the items that do not belong to me that you continue to report erroneously. 
cellphone, Account # please note that i am taking this matter very seriously and demand that you follow the law, in it entirely, and send me detailed information of how you arrived at your conclusion, or else remove these items.
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (IA)

My home sustained hail damage. My insurance company issued a check to me for the repairs in the amount of {$41000.00}. The check needed to be endorsed by my mortgage company, Pennymac. I overnighted it to them XX/XX/XXXX. They didnt log it as received until XXXX. It then took them until XX/XX/XXXX to issue the check back to me. It took 4 phone calls to get that to happen. In the meantime I had paid contractors over {$28000.00} out if my own pocket for repairs related to the hail damage. 
When I received the check it was payable to my husband, who had recently passed away, even though the check from the insurance company did not have his name on it. I couldnt deposit it with his name on it, so I called and asked for it to be reissued in my name only. They agreed to do so. That was XX/XX/XXXX. 
I called again XX/XX/XXXX because I still had not received anything. A woman named XXXX said it appeared they had dropped the ball because it was approved to be sent on XX/XX/XXXX but nobody sent it. She said she put in a request for expedited action so it would be overnighted to me on Tuesday, XX/XX/XXXX, to be received Wednesday, XX/XX/XXXX. 
On XX/XX/XXXX I logged in to my mortgage and could see that no disbursement had been made, so I called again. This time I was told the request had just been put in yesterday and it would be 6 more business days for that request to be processed. I demanded to speak with a supervisor. I was placed on hold for approximately XXXX minutes and then was told that I could not speak with a supervisor but that the supervisor said the check would be overnighted that day to be received Thursday, XX/XX/XXXX. As I sit here at XXXXXXXX XXXX I am logged into my mortgage account and can see that no disbursements were made today. 
How are they able to just keep MY money? Its been 6 weeks. Im now not only out the {$28000.00} that Ive already paid my contractors but now Im getting bills for the rest of the repair work. Im beyond frustrated that they can just hold money that belongs to me for repairs to my house because nobody there seems to know how to do their job.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (CA)

Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!
Consumer complaint received 2023-05-09
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I submitted the attached letter to the servicer of my loan asking that they send copies of my trial period payment loan modification offers. I 've had XXXX offers that I 've paid on and the servicer had refused to make permanent. They are now also refusing to send me copies of the offers they made on ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) Attached are also copies of my payments made I have also requested other information which they refuse to provide without a proper objects. 

Thank you
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MO)

Lexis Nexis provided a consumer report containing false information [ allegedly, I had a at fault accident in XXXX  ] pertaining to me to XXXX XXXX XXXX XXXX. In turn, the insurance company used the false information to raised the premium of an insurance policy. 

I contacted Lexis Nexis and told it that the information provided to XXXX XXXX XXXX XXXX was false and demanded the removal. Lexis Nexis claimed that it could not verify my identity and refused to provide me a copy of the consumer report ; and, refused to remove the false information.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account name : XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX, this account is reporting inaccuracy that's hindering me and not only that i was never 30 days late. Reporting illegal information 15usc1666b BILLING error!, XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX This account is outdated and reporting inaccurate information thats not valid please remove this account and negative remarks. XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX Reporting billing errors! An inaccurate reporting account needs attention please block and stop reporting late payments on the account. There are also fraudulent hard inquiries on my report without my consent and i want them removed immediately. XXXX XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (CA)

The unverified accounts indicated below continue to report on my credit report in violation of federal law despite numerous written requests. The three credit bureaus never responded to the letter I wrote to them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) must be followed while validating these accounts. In the event that they do not verify these accounts, I will file a lawsuit against them. Please abide by the law in order to quickly address this situation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$12000.00} ; XXXX XXXXXXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX  : {$55000.00} ; XXXXXXXX XXXX XXXX XXXX : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX  : {$5600.00} ; XXXXXXXX XXXX XXXXXXXX : {$6100.00}.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Good evening, Regarding the current situation I am experiencing, I have fallen victim to a fraudulent scheme presented by the self-acclaimed XXXX banking web application, XXXX. To satisfy the requirements of this web application, it required the utilization of the Cash App mobile application, through purchasing and selling of bitcoin transactions. As of XXXX on XX/XX/2023, the initial transaction submitted involved an introductory amount of {$48.00}, with a corresponding withdrawal transaction at XXXX, XX/XX/2023. Throughout the utilization of the web application, XXXX, additional funds were requested repetitively to guarantee the retrieval of funds invested. This lead to additional transactions, " for verification '', of amounts involving {$1400.00} ( XXXX - XX/XX/2023 ) and {$1200.00} ( XXXX, XX/XX/2023 ). Per the terms and agreement requested notated in the communication with the representative from XXXX, article XXXX and XXXX involves the description of block rewards. Through the implementation of block rewards, fees sent with transactions are included in the block and validation of transactions are prioritized based on the total amount of fees included. Although validation XXXX be processed at a certain rate, dependent on the accumulated amount of fee submitted, it does not state transactions can be denied due to refusal of payment of fees upfront. As shown through support ticket # XXXX XXXX as well as Cashapp and my business of banking, XXXX XXXX, are in refusal of disputing or refunding the amounts initially deposited when requested as I believe this is entirely fraudulent.
Consumer complaint received 2023-04-30
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. (GA)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging USDA XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX {$25000.00} ; XXXX XXXXXXXX {$2000.00}.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, in the morning, I woke up and checked my email box. I opened an email ( please see attached file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from Wells Fargo bank which stated that -Your payment ( s ) were sent, amounting to {$9800.00}. Immediately I opened my online banking and checked my business account and it was really so. At the first onset, I called Wells Fargo Customer Services and explained to them that someone logged into my Wells Fargo online banking and used bill pay to send a {$9800.00} payment fraudulently. They accepted the claim, closed my account, changed my user name, and told me that they would research my claim and provide me with results within 10 days. I received their research on XX/XX/XXXX by mail please see the attached file ( XXXX Claim XXXX ). They sent me a letter denying my claim, telling me that they believed the transaction was made by me or someone authorized by me. It looks like the bank doesn't want to do any think to help me. 
They didn't return my money back until today.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kashable LLC (MD)

KASHABLE HAS REPEATEDLY POSED AN AUTHORIZED DEBTER TO MY CREDIT REPORT. I HAVE NEVER OPENED UP THIS ACCOUNT AND DID NOT AUTHORIZE THEM TO DO ANY TRANSACTIONS WITH ME. THIS IS FRAUDULENT. THEY ARE REPORTING FALSE INFORMATION TO XXXX XXXX AND XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-04-30
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. (CA)

Description X 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. 
Account name : XXXX  XXXX XXXX XXXX, Account name, XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account Name # 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.

Chapters
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My TransUnion score. on XXXX XXXX, 2023 was XXXX on XXXX XXXX drop XXXX XX/XX/XXXX drop XXXX XXXX XXXX drops XXXX XXXX XXXX drop XXXX XXXX XXXX drop. XXXX XXXX XXXX drop XXXX, From my understanding. The more you pay off your debt the higher your score goes. TransUnion is stopping. me from buying a house with the dropping of my score even though I`m paying off debt. I can seen you copy of my score.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (SC)

Federal Student Aid has taken over a year to approve the Police Dept I worked at during my XXXX, XXXX, XXXX payments in public service loan forgiveness loan period ( XXXX 2022 ). I should have been discharged from the program ( being serviced by MOHELA ) and $ XXXX student loans been removed from my credit XXXX 2022. I have submitted forms, applications, proof of employer eligibility, and made calls monthly beginning XXXX 2022 yo try to expedite the process and absolutely nothing has been done. Therefore, my credit has been tied up, score affected, & I've paid higher interest rates.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 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 told the Experian, XXXX, and XXXX to reinvestigate these accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : XXXX