davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc. (IN)

I received notification that my mortgage had been transferred from Essex Mortgage to Essex Mortgage, occurring on XX/XX/23. On XX/XX/23 I received a notification letter via snail mail, stating that my home owners insurance, required by contract for my mortgage, had expired and failure to remedy this problem would result in Essex Mortgage purchasing a more expensive insurance plan in my name and sending me to their debt collections department to pay them back. I called my insurance company and was notified my insurance was still active. So I called Essex Mortgage where I was told that during the " transfer '', my insurance information was lost. I was then told that I had exactly 45 days from the time of the insurance policy being lost to fix the problem before I would be sent to the Essex Debt collections department. Now, to remind, I was not notified of the issue until 41 days into this 45 day window. I asked why I was not notified via phone or email, as I have been contacted by Essex Mortgage by both in the past, email at least twice a month. I did not get an acceptable answer to this question. I was more or less told that the documents were my problem to fix and that I needed to contact my insurance and have two years of my insurance information uploaded to a link provided by Essex Mortgage. So, on XX/XX/23 I submitted the insurance documents in question. When I called Essex Mortgage on XX/XX/23, I was told it could take 48 hours for the documents to be received and due to the time I submitted them, it was likely to not be received until as late as XX/XX/23 or 44 days into the 45 day window I was given to correct their mistake. When I asked if I would be notified once the documents were received or if there were any problems with the documents, I was told another letter would be sent to me via mail. The problem being, that letter could take another month or longer to arrive, as did the last one. When I requested an email or phone call, I was told that the only form of communication would be another letter in the mail. So, should there be any problems with the documents, regardless of method of communication, I would officially miss the 45 day deadline and be sent to debt collections. 
My only ask in all this was proper and timely communication on the part of Essex Mortgage. A request that was denied.
Consumer complaint received 2024-03-25
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. (FL)

There are XXXX inaccurate and historic accounts listed from the same creditor that is past the statute of limitations for collecting debts in the state of Florida. The last payment made on this account was on XX/XX/2018, and according to Florida state law, the statute of limitations for collecting debts is 5 years this debt is time barred and no longer collectible. Both accounts presence on my credit report is inaccurate and unfairly impacts my credit history. Evidence to support my claim is attached. The account numbers are XXXX and XXXX. Both accounts are listed under XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP (FL)

Name : XXXX, XXXX XXXX XXXX : {$280.00} Citation/Case Number : XXXX File/Citation Date : XX/XX/XXXX Linebarger Goggan Blair & Sampson LLP XXXX XXXX XXXX XXXX ) XXXX Or to pay online : http : XXXX XXXX SUSPENSION ( XXXX ) - Court Requirements Not Met Status : EFFECTIVE Description Effective Date Ticket Number County/State Court Address and Phone Number Click Here for information to resolve these effective court suspensions, court requirements not met. 
FAILED TO PAY TRAFFIC FINE ( PENALTY ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Your driving privilege has been suspended due to outstanding tickets in the counties indicated on the previous page. You will need to pay the outstanding tickets and a {$60.00} reinstatement fee.

Contact the county court ( s ) and arrange to make payment. You will have to check with the court ( s ) for the amount owed.

If the court does not collect the reinstatement fee, you can either take the D-6 clearance form from the court and a check for {$60.00} to your local driver license office or, you can mail a copy of the clearance form along with a check made out to DDL to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX mailing XXXX allow XXXX days after receipt for your record to be updated. After that time, revisit this site to verify that your record has been updated.

NOTE : If you paid the ticket ( s ) shown on the previous page prior to the Effective Date listed, click here. If you paid the ticket ( s ) on the previous page on or after the Effective Date listed, clic
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. Capital One Auto Finance XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX >> XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 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/2022
Consumer complaint received 2023-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XACTUS XX/XX/23
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-06-04
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)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (GA)

I was just looking over my credit report and found some addresses that still appear to be incorrect. I have the right to have an accurate report. I've enclosed documentation providing proof of my current address, as instructed to do on your website. I have tried to get it corrected before and still nothing has been done. Heres a list of the incorrect addresses that I am currently seeing listed below, 1 ) XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX There should only be one address on my report, that is : XXXX XXXX XXXX XXXX, Ga XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.
Consumer complaint received 2024-03-23
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. (IN)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on Experian is XX/XX/XXXX while on XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX XXXX The Date Last Active is XX/XX/XXXX on Experian, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well XXXX says XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; Experian is XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX. The creditor 's contact information is missing.
Consumer complaint received 2023-12-01
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tecco Systems (CA)

On Tuesday TECCO called my business phone kept calling and then they called my XXXX XXXX telling her my business then they called one of my coworker and they never had her phone number her name is XXXX they called her yesterday then they call me again yesterday about 2 to 4 times a day and I feel like they are harassing me and my family to pay this debt and Im going to pay them but I feel like they shouldnt be going on social media and getting this people number and calling them about my business. TECCO been calling me a lot and I feel that this is harassment and I want something done with them
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-04
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. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-06-04
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. (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. 


I told XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. 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. 

I told Equifax to reinvestigate the account : XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. 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 2023-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (KY)

XX/XX/XXXX US Bank forced deposited my sons auxiliary benefits into my frozen account going through closure 2 days after the settlement date. Then continued to withhold those funds for 29 days. Violating 31 cfr part 210 and nacha regulations. The funds were suppose to be returned under return code R16 Account frozen. I called on the settlement date of XX/XX/XXXX and was told they would be rejected and processed Friday morning ( XX/XX/XXXX ) but were force deposited into my account. 

US Bank continued to withhold the funds in my account which are entirely my sons auxiliary benefits in the amount of {$780.00}. I was not notified why my funds were being withheld other then my account is going through closure. Us bank would not allow me to withdraw the funds by any means or close the account myself over the phone or via branch. I was told I would receive a check in the mail with the funds when the account closed. 

XX/XX/XXXX I get a text message from US Bank stating there was a withdrawal in the amount of {$780.00} from my account. I contacted us bank to see if they had sent out the check and if I could get a tracking number. I was then informed they withdrew my sons auxiliary benefits and sent them to XXXX collection agency to offset on my closed account ending in XXXX that was closed, charged off and now with a collection agency in XX/XX/2023. US bank was well aware that these were my sons benefits. I do not understand how my son can be forced to pay a debt he doesnt owe or has anything to do with my son. I also do not understand how his benefits can be withdrawn from my account and then sent to a 3rd party? US bank refuses to refund my sons benefits to me or even to send them back to SSA. 

XX/XX/XXXX I received a letter from XXXX collection agency thanking me for my payment in the amount of {$780.00} and I still have a balance of {$62.00}. This money was forced into my account when I was told it would be sent back, then withheld from me for 29 days and now basically stolen right out from under me to pay a debt that isnt my sons debt. 

This whole situation has been extremely stressful and frustrating. I have a $ XXXX  monthly income to pay bills and provide for my children and US bank has held onto {$800.00} of that for over a month now causing my electric and water to be shut off and I wasnt able to get my son school supplies he needed or pay his XXXX XXXX insurance for his XXXX that now has lapsed. I need this money back ASAP either returned to me or to SSA.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

JPMORGAN CHASE BANK, NA XXXX TX XXXX I was with CHASE Bank from XXXX XXXX with no complaints or issues until XXXX. That's when they suddenly closed my checking account without informing me. They accused me of committing wire fraud because people sent money to my account for a family member. After the money was transferred it made my account overdrawn and the bank locked my account. Started an investigation and then started keeping my direct deposit from my social security checks that were still coming through. They refused to give me my check. Saying I owed the money to the bank which I didn't. The bank is the one who made my account negative from the wire transfers.
Consumer complaint received 2023-12-01
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. (TX)

My Equifax account and credit report was affected by data breach I can not login to Equifax account to view report, I can not open new account because email is already associated with equifax account. I tried getting help from Equifax and they could not help me reset password or give me a explanation to why they could not get my account to work. I am a victim of a data breach please help my personal information was impacted by this incident. I have proof that shows I was affected from the date of breach