davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-20
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. (NC)

On XX/XX/XXXX I purchased a company vehicle because I had established business credit to obtain a business loan. From XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report XXXX is reporting on my personal credit report. Ive signed up three times for an extension and paid the extension and XXXX never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XX/XX/XXXX. I paid the first payment XX/XX/XXXX online. XXXX tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XX/XX/XXXX I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XX/XX/XXXX and the representative notated the account and saw where I made the agreement and that department was closed. Today XX/XX/XXXX I spoke to 5 people and no one assisted our company. This is unacceptable and predatory.
Consumer complaint received 2023-12-25
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: USCB Corporation (GA)

These are the charges that i see and theses are unauthorize. i want them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (PA)

This collections is still being reported on all 3 credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my 3 reports.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XX/XX/XXXX
Consumer complaint received 2024-04-19
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. (TX)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2023-08-05
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. (MO)

As soon as I saw that my XXXX card not only delayed its reporting to the bureaus but that my FICO SCORE was damaged due to the high balance that generated after my statement closed being reported as my statement balance I filed a complaint and finished details to experian. The person on the dispute DID NOT is non-compliant. My experian report now reflects an even higher balance. MY XXXX CARD STATEMENT BALANCE SHOULD BE XXXX DOLLARS. I wouldn't recommend anyone who values their credit rating and score to entertain a XXXX rewards credit card
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been in school and have only opened one credit card account with XXXX XXXX XXXX. Per my annual credit report and XXXX XXXX, I have been a victim of identity theft for which I have already contacted the IRS who provided me with a pin that I will need to use in order to protect my ss # going forward. I have various accounts on my report for which I have attempted to remove repeatedly, yet the companies and debt collectors will not remove these items. Such as the following : XXXX XXXX XXXX  : Account Balance- {$1000.00} sold to Portfolio Associates Account Balance- {$2600.00} opened XX/XX/XXXX XXXX XXXX : Account Balance- {$910.00} sold to Portfolio Associates XXXX XXXX XXXX ( no military affiliation ) Account Balance- {$730.00} opened XX/XX/XXXX
Consumer complaint received 2023-05-17
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 submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CMG MORTGAGE, INC (CA)

I am writing to urgently appeal the foreclosure proceedings initiated by CMG Mortgage on our home. Despite our efforts to negotiate a loan modification due to financial hardship, we find ourselves in an increasingly difficult situation. 

Our children have developed chronic medical conditions, leading to a significant rise in childcare and medical expenses. We sought relief through a loan modification, but our application was denied. The subsequent payment plan offered did not alleviate our financial burden, as it was equivalent to our existing payments. 

As the family of an active military member, we are disheartened by the lack of consideration for our circumstances, especially since the company has refused viable home modification options. This situation not only impacts our financial stability but also puts undue stress on our family, particularly given our childrens health concerns. Weve been recently threatened with foreclosure proceedings by recent phone call. 

We request a thorough review of our case and a compassionate reconsideration for a loan modification that genuinely reflects our current financial challenges. Your assistance in this matter is critical to prevent the displacement of our family. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

On XXXX XXXX I called American Express to inquire about them removing a late fee that was wrongfully applied to my account. I went through their chat feature and they kept dropping me so I called them on the phone and spoke with XXXX at XXXX. I asked him the same question about why the late fee was put on there in the first place, and would he do a one time removal of the late fee. He put the request into the system and came back and said no Im sorry XXXX XXXX it cant be removed. I asked to speak to a supervisor and he put me on hold, then came back after roughly 8 minutes and said a supervisor will call me within the next 24 hours, I was charged {$55.00} for my Internet on the XXXX of XXXX. American Express charged a {$29.00} late fee on the XXXX of XXXX and my payment that I made on the XXXX through my Bank did not post to them until the XXXX of XXXX. I pay my card off each month in full. American Express is wrongfully, charging people, late fees and wont remove them, because they are being dishonest and disgraceful just like they were when they were fined back in XXXX  for similar infractions
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed fraudulent/unauthorized inquires on my transunion and XXXX report from XXXX XXXX on XX/XX/XXXX  it needs to be deleted
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (LA)

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I demand your prompt attention to this matter. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Consumer complaint received 2023-11-08
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-05
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. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion XXXX report : Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : o XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 

Dispute XXXX Account Number : Source of dispute information : XXXX XXXX XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute XXXX Account Number : Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on XXXX  report. 

Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute XXXX Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : XXXX  : XXXX  Name : XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. pursuant to section 605B pf the fair credit reporting act, and send the required notifications to all furnishers of this information.four unauthorized fraudulent 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 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 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

Payments resumed following the end of the COVID payment pause in XX/XX/2023. I was notified in my account of a payment due and paid on XX/XX/2023 and XX/XX/2023. I am still seeing a payment due on XX/XX/2023. 
However, not once since payments resumed, have I received an actual billing statement. I have not at any time received any formal notification of a bill due, just a " payment due date '' in my account. MOHELA is legally required to provide a billing statement at least 21 days in advance of my billing due date, but I have received none. 
This is a widespread issue, I know. Many who were impacted received an administrative forbearance for the months that this happened ( XXXX - XX/XX/2023 ). However, my account remains in repayment and my bills remained due, even though I was impacted by MOHELA 's failure to provide timely billing statements.
Consumer complaint received 2023-12-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

HomePoint Financials sold my mortgage to MrCooperXXXX in XXXX and I have no access to view my account information on-line. They do not answer their phone and will not email me back. I am completely logout of my mortgage account. I don't even know my new mortgage account number either. 

XXXX XXXX
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I reported fraud on my account XX/XX/2024. {$200.00} was withdrawn from my account on a non Chase atm. I did NOT do or authorize this transaction. I believe someone somehow got ahold of my debit card numbers and was able to make another card to withdraw the funds. I have asked them to provide camera footage to prove this wasnt me. They took back the credit and are charging me for fraud done on my account. I have done everything that they requested. I am not able to subpoena the camera footage on my own. They are asking me to prove it wasnt me even though I reported this and I have no other proof besides pleasing with them to obtain camera footage as I know this wasnt my doing. I should not have to pay for fraud done to me.
Consumer complaint received 2023-10-25
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: EQUIFAX, INC. (LA)

XXXX XXXX is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and XXXX XXXX says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was shocked to see some questionable accounts being reported on my report so I wrote into transunion with instructions to correct and update my report. its been a few weeks and I have yet to hear back nor see the reviews.
Consumer complaint received 2024-03-27
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. (FL)

I am writing to follow up on my previous correspondence regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.