davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

Last year XXXX of XXXX my wife and I checking account got hacked. We received multiple unauthorized charges therefore our checking account was automatically frozen by our banks Fraud department. While the account was frozen our monthly automatic mortgage payment unfortunately did not get processed for the month of XXXX. We honestly had no idea the payment did not go through. Our bank eventually reopened our account and our mortgage payments continued to get taken out every month thereafter. XXXX XXXX XXXX never once tried contacting me to notify me that the payment was missed for the month of XXXX. Had we known the payment did not go through, we would have immediately made the payment. We never received any type of contact from XXXX XXXX XXXX, a credit collection agency or anyone saying that the payment was not received. Since the payment didn't go through XXXX XXXX XXXX reported it to the credit bureau every single month until just recently XXXX of XXXX I received a notification from Experian that I had a hit on my credit report. When I opened Experian up it showed that my credit had dropped from a XXXX to a XXXX. XXXX XXXX XXXX has completely destroyed my credit and any chance of getting any type of loan. All they had to do was pick up the phone and call me and I would have immediately made the payment that was missed. When I finally found out we had missed a payment we immediately called and made the missed payment. As stated above, we continued to make our monthly Mortgage payments every single month but instead of using that payment for the one that was missed they continued to report us to the credit bureau as late. My wife attempted to call XXXX XXXX XXXX and ask if anything can be done fix it and she was told there is nothing that can be done. When she asked why we were not contacted by anyone, the rep for XXXX sated " we don't have to contact you ''. We have made every single mortgage payment on time our entire lives and honestly had no idea this had happened. This is absolutely wrong for XXXX to do this to someone. A simple phone call or mail would have notified us that the payment was late and we would have immediately made the payment. Still to this day I would not have known the payment was missed if it wasn't for Experian notifying me that my credit dropped. I have since filed a dispute that was denied by XXXX XXXX XXXX. I have now uploaded proof of Fraud from my bank during the same time the payment was missed. Something needs to be done about this.
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. (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 nameXXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX 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.
Consumer complaint received 2023-05-10
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. (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. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
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. (MD)

This is XXXX XXXX please 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Wrote to dispute the validity of items reported pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires the credit bureaus to verify the validity of the item within 30 days. If the validity can not be verified, the credit bureaus are obligated by law to remove the items.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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: LEXISNEXIS (SC)

I received a letter from XXXX  the first choice for insurance on a letter head for XX/XX/XXXX that stated a ADVERSE ACTION PREMIUM AFFECTED. I did not receive the letter until XX/XX/XXXX in the mail, I did not get a previous email or any documentation of this until today. I purchased this coverage through my Local Insurance Agent. I paid this policy in full on XX/XX/XXXX. XXXX cashed my check or my insurance agent cashed my check for the policy. No one has contacted me until today by mail notice letter that there is a Adverse Action Premium Affected Letter. Please see attachments. 
XXXX XXXX
Consumer complaint received 2023-05-10
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. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I XXXX XXXX, a XXXX woman who has recently gone through a financial hardship due to a medical issue hereby state on the record : 1. I was on XXXX XXXX right after my initial injury in XXXX of XXXX. 
2. I used the rest of my savings for a time-period to maintain my mortgage payments. I them filed for a Chapter XXXX bankruptcy petition where I simply could not keep up with the payments. 
3. I filed for a mortgage modification on XXXX XXXX, XXXX, after a lengthy conversation with a Wells Fargo representative. A copy of the initial filing is attached. 
4. After that date, Wells Fargo never responded back to me. 
5. Since that filing, I am now back to work full time, and I can pay my mortgage every month after a modification is approved. 
6. This past week I received a notice that my home was scheduled for foreclosure XXXX XXXX, XXXX. 
7. This is unfair as I was never served with a complaint of foreclosure, was protected of any filing as my Chapter XXXX was just dismissed, and I was protected under the US Bankruptcy code while the Chapter was active. This is a violation of my rights under the Fair Debt Collection Practices Act, as well as the US Bankruptcy Code. There was never a foreclosure complaint served to me personally. 
8. Now I must file an action in federal court to purge this action, and I am still in activity with Wells Fargo. 
9. I need this complaint to be filed with the Consumer Financial Protection Bureau, as I am a consumer in the United States, a citizen that is having her rights violated, and a member of the XXXX community that feels that her race is a factor that law firms can take advantage of, in addition to Wells Fargo. 
10. I am now healthy, and ready to start making payments on a modified mortgage. 
I request immediate action so that I can fulfill my obligations, and keep a roof over my head for my children and grandchildren. I am asking for no handout, just my rights under federal laws. 
XXXX XXXX THE FORECLOSURE SHOULD CEASE AND WELLS FARGO MUST LET ME COMPLETE MY MODIFICATION PROCESS!!!
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (DC)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written unwritten verbal or nonverbal per 15 U.S.C. 6802.
Consumer complaint received 2024-01-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (GA)

This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2023 I informed Equifax that the following accounts do not belong to me and are fraudulently reporting to my credit report. 

XXXX XXXX  {$54.00} XXXX XXXX XXXX {$77.00} Equifax never responded and did not remove the above listed accounts. 

I have an existing complaint with Equifax as they keep putting addresses on my report that do not being to me. 

After Equifax posts a new address on my report, there are always fraudulent accounts that pop up on my report. 

These accounts are not on any other credit bureau. XXXX nor XXXX report these fraudulent accounts or addresses. 

The following addresses do not belong to me!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this address is listed on my driver 's license. 

I've asked Equifax for these addresses and accounts to be removed XXXX  times! 
These fraudulent accounts are a violation of my consumer rights. Incorrect or fraudulent information reporting to my credit report can be harmful and dangerous to me. 

I have attached all documents needed to verify my identity. 

I XXXX XXXX am not a XXXX party or credit repair company! I am reporting this information on behalf of XXXXXXXX  Equifax will send stall letters to avoid removing this fraudulent information, lying and accusing me of being someone eles. This is a known illegal tactic from Equifax. Again, I am not a XXXX party or a credit repair company!!!
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Someone hacked into the XXXX account of a friend of mine, posing as her, she asked me to transfer {$740.00} to another person, because her Zelle was limited. The alleged person had the supposed name of XXXX XXXX and requested money to send to her email address : XXXX. I have photos of the exchange of message through. XXXX, with the hacker. 
I called to Zelle, a representative named : XXXX, told me they can't return the money. My question, who is possible that a scammed financial transaction be reported in a USA financial institution, in this case Zelle, which is the only institution who have all the information where the money goes and they can't get the returned money? It is unacceptable and Zelle do not solve this big problem, Zelle will become a haven for hackers and scams, if so, I will make it my personal goal to report them until Zelle disappears or fix the problem.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (OH)

On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. On XXXX XXXX, XXXX I contacted US Bank and informed the bank that my credit report with XXXX had been acquired after speaking directly with XXXX. I requested that US Bank withdraw my application. On XXXX XXXX, XXXX I went to a local US Bank branch and spoke with a banking XXXX who contacted US Bank 's XXXX department regarding several hard pull inquiries on my XXXX credit report by US Bank. On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. I contacted XXXX who indicated they US Bank was in fact provided my full XXXX credit report resulting in hard pull inquiries on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in conjunction with these two credit card applications. XXXX stated that I would have to dispute the information directly with US Bank ; however, US Bank stated that I would have to initiate a dispute with XXXX. Unfortunately, XXXX does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with US Bank and XXXX to no avail.
Consumer complaint received 2023-12-15
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. (NV)

XX/XX/2023, bankruptcy as filed and XXXX XXXX was included in debt. XXXX XXXX was notified of bankruptcy status via email and mail but still continued to take funds from bank accounts in XXXX, XXXX, and XXXX. In XX/XX/2023, bankruptcy was XXXX and XXXX XXXX continued to initiate ACH transactions with banks. Stop payments were applied to all accounts. In XXXX, XXXX and XX/XX/2023, XXXX XXXX were continued to be notified via email, mail with cease and desist letters, and even contacted via phone. XXXX XXXX continued to threaten me with XXXX point drops on my credit if I did not pay the balance that was included in bankruptcy. XXXX XXXX continued to initiate ACH transactions from stop payment banks by changing names on all transactions.
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (IN)

Hello, I recently checked my credit report and found that I had 4 outstanding balances with debt collectors. I have many problems with these debts. Firstly they are medical debts that were billed and paid by my state medical insurance. Secondly, these companies have never spoken to me prior to reporting these debts to the credit agencies and I know this because I was incarcerated. It is my understanding this is a violation of FDPCA regulations. Can you please help me resolve these issues. The following are the debts and agencies involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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: EQUIFAX, INC. (IL)

To whom it may concern, I am a law abiding citizen who is simply looking to get to the next phase in my life to better me and my family 's financial situation. But I am unable to due to the inaccuracies on my credit report.

FCRA law 15 U.S.C 1681 protects me from any damages and any inaccurate information on my credit report. I would like to have this situation resolved immediately.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX