davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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. (CA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXXXXXX Balance : {$4200.00} ; XXXXXXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$620.00} ; XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting 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. (DC)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I kindly request you to provide me with my credit reports in respect to myself XXXX XXXX XXXX. It is essential for me as a consumer. If any to review the current credit status of his/her profile. As per legal requirements, please respond within 14 business days from receiving this letter. For security reasons and preventing unauthorized access or theft of sensitive information, I request you to validate my identity before providing the requested details. Therefore, kindly coordinate with me further once received and processed this request through an alternative secured channel such as email or telephone call wherein proper identification procedures shall be executed accordingly. Our contact details are as follows : XXXX. If willing or email XXXX. I assure that all these data will strictly be utilized by me alone for legitimate purposes and confidentiality would be maintained at all costs during every exchange procedure made throughout my endeavor. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

After looking into my XXXX XXXX XXXX, I observed a new message of a letter dated XX/XX/2024. The details state cancelation of sale, meanwhile I continue to get robocalls, and lots of text messages, regarding the preforclosure in XXXX.
Consumer complaint received 2024-04-13
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. (TN)

Subject : Dispute of XXXX XXXX XXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inclusion of the XXXX XXXX XXXX account, identified by account number XXXX, on my credit report maintained by XXXX, XXXX, and Experian. Upon reviewing my credit report, I discovered this item which inaccurately reflects my credit history. I respectfully request the immediate removal of this erroneous entry in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The XXXX XXXX XXXX account is inaccurate for the following reasons : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) : ** According to Section 611 of the FCRA, consumers have the right to dispute any inaccurate information on their credit reports. The inclusion of this XXXX XXXX XXXX account, which I believe to be erroneous, violates my rights under this federal law. 2. **Inaccurate Reporting : ** The reporting of the XXXX XXXX XXXX account is incorrect. I have never had an auto loan with XXXX, nor have I authorized any such account. Therefore, this entry is patently false and must be rectified immediately. In light of the aforementioned violations and inaccuracies, I demand the immediate removal of the XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report. I also request written confirmation of the removal once the investigation is complete, as per FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2024-07-29
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. (CA)

I am respectfully filing a Retaliation and Discrimination Federal Complaint against XXXX XXXX  Credit Card Bank who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case # XXXX. I personally attended the court hearing today at XXXX XXXX  at Civil Commissioner Courtroom H, Department XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was present as she was subbing in for Honorable XXXX XXXX. XXXX XXXX said the next step is XXXX. Attorney XXXX XXXX of XXXX and XXXX XXXX Firm was present via Zoom and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
XXXX XXXX  Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is XXXX XXXX  Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX as a XXXXXXXX XXXX XXXX XXXX XXXX.? 
XXXX XXXX  Credit Card Administration file a lawsuit against me, because I file various Federal Complaints with Consumer Finance Protection Bureau with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against XXXX Bank Credit Card be filed with XXXX Department of Justice immediately. 
XXXX Very Urgent Matters! 


Notice : XXXX Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, Mr.Chris H investigations will be in the best XXXX XXXX XXXX XXXX Credit Card Bank and not in my favor. 
His email : XXXX XXXX # XXXX
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Transacation ID : XXXX Date of Transaction : XX/XX/year> I made a recent transaction to a paypal user through XXXX & XXXX and now I'm not sure if I'll receive my money back. I sent them {$20.00} as a test to see if they'd send me concert tickets after I sent my payment and they never did, turns out they're a scammer. I already tried contacting them & they won't return my money. I want to receive a refund and paypal is taking forever to help with my case. If they don't help me with a refund, I'll just call my bank instead. The name of the paypal user I sent money to was XXXX XXXX. He is a scammer and pretends to be a fan account, selling fake concert tickets on XXXX.
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

My loan was showing inaccurate from Carrington Mortgage for almost 2 years from the time it was service transferred to them, They were not recording my payments that were paid on time every month. Now they supposedly have the account updated but I still feel the numbers are inaccurate and they have reported to all XXXX credit bureaus that my payments were missed when actually they were never late at all
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-29
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. (FL)

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 



CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts and inquries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Request for Investigation and Removal of Unauthorized XXXX XXXX Bankruptcy from Consumer Profile Dear TransUnion, I am writing to bring to your attention a matter of utmost importance regarding my consumer profile. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and in accordance with the Gramm-Leach-Bliley Act ( GLBA ), I have discovered that a XXXX XXXX bankruptcy is being reported on my profile without my authorization. I firmly assert that the reporting of this bankruptcy is a violation of my privacy, constituting identity fraud. 

Under Section 611 of the FCRA, consumers have the right to dispute inaccuracies in their credit reports. Additionally, the GLBA requires financial institutions to safeguard the confidentiality and integrity of non-public personal information. Despite these legal provisions, I have not provided written consent for the inclusion of this XXXX XXXX bankruptcy in my consumer report. Even if there was a permissible purpose, my consent is a prerequisite, which I have not granted. The presence of this unauthorized item is not only unverifiable due to lack of my consent but is also tarnishing my creditworthiness, causing me substantial harm. 

In accordance with Illinois state law, including the Illinois Personal Information Protection Act ( PIPA ) ( 815 ILCS 530 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505 ), the unauthorized reporting of this XXXX XXXX bankruptcy is a clear violation of these laws. This reinforces the obligation to protect consumer data and ensures fair business practices. 

I am aware that under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, TransUnion is required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving a consumer dispute. I hereby request TransUnion to conduct this thorough investigation promptly and provide written consent from me that allows the inclusion of this item within my non-public personal information. Furthermore, I insist that TransUnion takes action to delete this unauthorized item from my consumer profile within the 30-day timeframe as stipulated by the FCRA. 

Failure to comply with this request within the specified timeframe may be considered willful noncompliance, potentially subjecting TransUnion to consequences outlined in both the FCRA, the GLBA, and Illinois state laws, including PIPA ( 815 ILCS 530 ) and the Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505 ). I appreciate your immediate attention to this matter and expect a timely resolution. 

Done in good faith.
Consumer complaint received 2024-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-04-13
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. (TX)

I was a victim of identity theft and 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 supposed to modify accounts that aren't reporting correctly.

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 2024-04-13
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. (ND)

I am writing to express my frustration and disappointment with the ongoing issue regarding the correction of a late open account on my record, despite my multiple attempts to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is concerning that the problem persists without resolution. 

Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6200.00}.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

Hi... I have lived in my home for XXXX years ... I have a mortgage with PNC and I been trying to get a loan modification because I fell behind in my monthly payments ... I have sent in the modification papers to Loss Mitigation at PNC Mortgage and I have been turned down because they say I Photo Shopped ( made up ) my Direct Deposit pay stubs and because of that they say they did not get the required paperwork ... I was turned down multiple times for the same reason ... my home goes to auction XXXX ... I hope there is something that can be done since they are totally wrong and my pay stubs are legitimate ... I have attached XXXX weeks of pay stubs... thanks... XXXX