davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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)

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. Whos studying XXXX XXXXhelpmeoutby 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

l regarding a list of inaccurate closed accounts here is the list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I paid my Amazon Credit Card on time every month. At this point, I have a credit of {$92.00} that I never received. My credit card was closed. The customer service represented that I had XXXX checks that did not clear the bank. I had a checking account with XXXX XXXX that direct deposit to Amazon. I discontinued the direct deposit and paid Amazon directly. However, the XXXX XXXX account still was sending Amazon payments without any funds. In XXXX, I stopped the payments from XXXX XXXX. 
When I contacted XXXX XXXX XXXX XXXX, that stated that it was a mistake that the bill pay account was still being used. 

My account was never delinquent and I have a credit of {$92.00}.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WA)

On XX/XX/2024 I received a notification from my XXXX XXXX  on my mobile app that someone fraudulently did a change of address to an address that I dont even know or am affiliated with. I contacted XXXX banking they transferred me to XXXX in which I have an account with. We were told that MID LAND CREDIT MANAGEMENT FROM XXXX XXXX XXXX  had open an account from a Deb collection with the address of : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX saying we owe {$760.00}. We do recognize the XXXX XXXX XXXX  but for them to go make up an address that we have no affiliation with or even know where that is, is fraudulent! We just recently purchased a car online through XXXX and are worried that our information was shared but the address is not right and we dont even know that address. Looks like they just made up an address so that they could open an account against me witch isnt right its fraudulent so we were told by experian from XXXX from the XXXX  team of the fraud department to file this report with you guys at the FTC.gov and they will be helping us moving forward.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXXXXXX XXXX account # XXXX date opened XX/XX/year> XXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/year> XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

I have lots of names and addresses on my consumer report that are not mailable addresses and not my XXXX giving name. 

XXXX XXXX, XXXX XXXX XXXX is not my name Correct name : XXXX XXXX XXXX. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all not mailable addresses
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Me and my wife bought a house and get a XXXX loan. 
On XXXX first, we paid the first monthly payment, {$4100.00}. 
We sold our previous house and we want to Payoff our new property. 
I contact Selene Finance to get my payoff information. 
They took a long time to send me this information and we decided to start the payment process doing additional payments towards the principal. 
Between XX/XX/XXXX to XX/XX/XXXX, we paid XXXX almost daily, 15 times, to be exact, plus an additional payment of XXXX. Total XXXX. 
When we finally get the payoff information, it comes with {$78000.00}, a little weird because our balance was {$77000.00}, but it's ok we paid in full on XX/XX/XXXX by wire transfer. 
I've been calling them since XX/XX/XXXX trying to figure out why my balance is still {$77000.00}? I paid and sent the proof of payment by email 4 times, on 4 different days. On XX/XX/XXXX we open a " ticket '' on the phone with Selene to try to find where is my money, they give today, XX/XX/XXXX as a deadline to get a response. 
Today is XX/XX/XXXX, and my payment is still " not found '', Selene Finance didn't give me any answer. Every time that I call they ask me when I'll pay. 
They simply don't give me an answer about my money, it's a lot of money and they simply don't care and I don't know what I can do to solve this issue.
Consumer complaint received 2024-05-18
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. (VA)

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 XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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 2024-05-18
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. (VA)

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. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-29
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 this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/2022 and XXXX 2022 to XXXX, XXXX, and Experian despite violating the aforementioned statutes.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-05-14
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. (MA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in promptly and effectively resolving this issue.
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to address the presence of fraudulent accounts, specifically XXXX XXXX XXXX XXXX, currently damaging my credit report. These accounts have been confirmed as fraudulent through an identity theft report, with the associated banks acknowledging the validity of the report.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NV)

I believe I have been harmed by illegal activity involving malicious software on my XXXX devices. I will be turning in the XXXX devices to the XXXX XXXX for an exchange. This has been an ongoing process since XX/XX/2022 in which I have been investigating on my own behalf. I am proceeding with the further steps to take action in this case. I would like to dispute all accounts with balances that have been deemed as Charge-Off Transactions.
Consumer complaint received 2015-05-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (VA)

My ex-wife and I submitted an application through Nationstar Mortgage in XX/XX/XXXX to allow me to assume the mortgage loan in her name. I submitted all of the information and was told I would receive a call back in XXXX business days. I never received a call back and when I contacted Nationstar in XXXX, I was told the information was never received. I resubmitted the information a XXXX time and confirmed with Nationstar that it was received. I then received a letter in the mail dated XXXX XXXX stating Nationstar received our request for an assumption and asked for the exact same information a XXXX time. I called Nationstar and was told again that they did n't have my information. When I informed them I confirmed with Nationstar the last time it was submitted, the representative was able to find the data I submitted XXXX before. I was then told it was with the research department and someone would contact me within XXXX business days. However, once again, I received no return calls or mail correspondence. I contacted again on XXXX XXXX and was asked to resubmit the same information for the XXXX time. I received a XXXX confirmation from Nationstar that my information was received. In XXXX, I called back for the XXXX time and was told that it was being researched by the research department and someone would contact me soon. I called again in XXXX and was told that the assumption was approved and it was in the hands of a third party for closing and could take up to XXXX days. It is now XX/XX/XXXX and I have not received any closing information, no return calls from Nationstar and continually get transferred from XXXX department to another, and eventually get hung up on. XXXX months have now elapsed and I am still no closer to resolving this issue. Again, I want to stress that I was told in XXXX the assumption was " approved '' yet I have heard nothing since. This is unacceptable lending practice and I feel an intentional attempt to not honor the approval that was verbally provided by phone. Nationstar records calls per their voice messaging system, so they clearly have access to verify these statements. Additionally, it has been impossible to speak to a member of management. I am always told they are unavailable but they will have someone contact as soon as possible, and as usual no one ever returns my calls.
Consumer complaint received 2024-06-15
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. (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. 

Account name : XXXX XXXX XXXX XXXX ; Account number XXXX has violated my rights. 

This agency has violated my federal rights under : 1. 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies Subsections ( 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. 

2. 15 U.S.C 1681 : Congressional findings and statement of purpose Subsection ( A ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

3. 15 U.S.C 1681c - Requirements relating to information contained in consumer reports Subsection ( A ) ( 5 ) : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

4. 15 U.S. Code 1681c2 - Block of information resulting from identity theft Subsection ( A ) ( 1-4 ) : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of 1. appropriate proof of the identity of the consumer ; 2. a copy of an identity theft report ; 3. the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings (NJ)

In late XXXX, early XXXX XXXX, there is a creditor that appears on XXXX. Zions Debt Holdings for a XXXX account. I had an attorney, XXXX XXXX XXXX since XXXX, who I was working with to resolve any and all open debts, this account never came up & all others were paid. I worked really hard to fix my credit, so seeing this on my credit report & no-one had ever tried to reach out to me XXXX was also concerning. Suddenly I get an email & text from this company saying they own this account and that they offer to expunge this from the credit agencies if I pay online. I start to look into the debt & as far as I remember this account was cancelled due to services I had been paying for since XXXX, I had an incident where the alarm went off in my unit & no one was alerted, their service was supposed to include contacting authorities and myself. I call them and ask them if that is their practice to report before trying to contact someone, they say they did send a notice to my address, I say, I never recovered anything from you & you obviously had my email & phone #, I was working with an attorney. They became rude & reiterated that they did send it, so I ask that they send me something verifying this debt & explain what I just wrote, this account was canceled. Their response have been rude, condescending and dismissive. When I receive the paperwork it is dated XX/XX/XXXX & says I owe XXXX. I send an email & ask them when do they show I stopped paying & they said XX/XX/XXXX, so I ask why this shows I owed XXXX in XXXX & they are asking for over XXXX. I also tell them I am disputing this charge & they did not provide me with any paperwork so I could dispute, so I sent an telling them I am disputing & if they could provide me proper documentation showing these charges, she responds with an email breakdown now with an amount of XXXX. I ask them again for any valid document showing, now I have XXXX different amounts they claim I owe The attitude and harassment was immediate.She said I asked for a breakdown, when I clearly asked for a document from XXXXshe said I could not cancel the account. She said the only way to cancel is for me to pay the remaining months.I had already asked them not to communicate with me via phone or text because they are just bullies and nasty. I now respond & send them back the original email where I specifically asked for a document not a breakdown on an email. I am now anxious and upset, for no reason & now I am angry, again for no reason, I have been working with creditors & I had never been spoken to in such a disrespectful tone. I tell them to never communicate with via phone or email ever again, I do not want to feel this way. I ask that forward the documents. They decide to email me anyway saying it is the consumers responsibility and what do I want. I do not want anything to do with this company, they are awful & have no ethical or moral experience.
Consumer complaint received 2024-05-18
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. (IN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-18
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)

This is follow up report where I find myself affected by fraud, and I am challenging specific entries in my report that are due to this criminal act. The entries I challenge are not connected to any transactions involving the acquisition of goods, services, or money that I have conducted or authorized. Kindly eliminate any entries in my credit record that stem from supposed fraudulent actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00}. These entries are unfamiliar to me. Additionally, the information on some entries, already expunged by other bureaus, raises concerns about their accuracy, and the reported payment history on some is unclear to me.
Consumer complaint received 2024-05-18
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) XXXX XXXX account XXXX Open XX/XX/XXXX I m now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.