davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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: MIDFIRST BANK (GA)

On XX/XX/XXXX I closed on a Mortgage with XXXX XXXX. 

After being transferred between 3 different lenders XXXX XXXX, XXXX XXXX and Midland Mortgage I put in a request to Midland Mortgage for my original loan documents. I realized that I didn't have full understanding nor was I given full disclosure, explanations, documentation and legal requirements by law on how this process actually works from said lenders via mail. After receiving the requested documents on XX/XX/XXXX I noticed alterations and discrepancies in the documents. 

Alterations and discrepancies : I noticed a gap in the chain of ownership that the 3rd current lender Midland Mortgage is shown on the note insinuating they were present during the original closing date. 
This Signing of the promissory note took place without all parties involved being present. 
My second Lender XXXX XXXX XXXX was never mentioned on the promissory note as the next 2nd owner. 

These alterations and discrepancies raised my concern on the validity of the Ownership and servicing responsibilities carried out by Midland Mortgage. On XX/XX/XXXX i sent a certified letter ( qualified written request with a debt validation ) requesting proof of ownership, from date of original closing up to current, servicing contracts and judgments validating the servicing responsibilities and legal standing of all companies involved, a Validation of the debt owed to Midfirst bank serviced by Midland Mortgage. 

My overall complaint is that Midland Mortgage has not replied to the QWR and Debt Validation letter that was sent on XX/XX/XXXX. Midland Mortgage failed to show proof of legal standing, proof of ownership, proof of claim, judgements, and any other documents to validate their right to collect. Thus Far Midland Mortgage is continuing to collect without proper documentation to support their claims.
Consumer complaint received 2023-03-31
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-03-12
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: National Credit Systems,Inc. (TX)

In accordance with the fair credit Reporting act XXXX XXXX ( NATIONAL CREDIT SYSTEMS, has violated my rights. 

15 USC 1681 Section 602 States I have the right 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 1666B : A creditor may not treat a payment on a credit Card account under open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 :
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2020-09-13
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: EQUIFAX, INC. (TX)

I have several inquiries which i never authorized. I never authorized any hard inquiry since XXXX of last year XXXX. 
I never opened any XXXX XXXX XXXX account and it shows 2 collections on my credit report? I only had discover credit card and XXXX XXXX MasterCard and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent
Consumer complaint received 2024-04-18
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. (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.

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 XXXX 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 2023-04-25
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. (GA)

Hello, my name is XXXX XXXX. I am contacting you in regards to removing the falsely opened accounts on my file. The accounts shown on my statement were not done by myself. This is a huge inconvenience and I am truthfully devastated. I am a victim to identity theft and would like these accounts removed at the soonest convenience. Please delete the reported items listed in this report and 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 Commission 's Identity Theft Affidavit. Due to these items wrongfully listed on my report, please delete the items as soon as possible.
Consumer complaint received 2020-09-13
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 have several inquiries which i never authorized. I never authorized any hard inquiry since XXXX of last year 2019. 
I never opened any XXXX XXXX plus account and it shows XXXX collections on my credit report? I only had discover credit card and capital XXXX XXXX and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent
Consumer complaint received 2024-04-18
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. (NC)

Transunion- I called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX inquiry date : XXXX XXXX credit acceptan inquiry date : XXXX XXXX acceptance inquiry date : XXXX XXXX. XXXX XXXX inquiry date : XXXX XXXX XXXX auto inquiry date : XXXX XXXXXXXX XXXX XXXXnquiry date : XXXX XXXX Financial inquiry XXXX XXXX. XXXX XXXX XXXX inquiry date : XXXX XXXX - XXXX called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX credit inquiry date : XXXX XXXX XXXX inquiry date : XXXX XXXX. Ally financial inquiry date : XXXX XXXXXXXX XXXX XXXX XXXXquiry date : XXXX XXXX Portfolio inquiry date : XXXX XXXX XXXX of XXXX inquiry date : XXXX XXXX FIN # XXXX inquiry date : XXXX XXXXXXXX XXXX  Sales ( XXXX inquiry date : XXXX XXXX FIN XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date XXXX XXXX Tree XXXX XXXX inquiry date : : XXXX XXXX XXXX XXXX XXXXnquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX date : XXXX XXXX Store of XXXX XXXX XXXX : XXXX XXXX. Bank XXXX XXXX  inquiry date : XXXX
Consumer complaint received 2023-07-06
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)

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX , XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (IL)

Name XXXX XXXX XXXX XXXX INCORRECT Following information to be REMOVED FROM MY CREDIT REPORT Due to IDENTITY THEFT AND ERRORS. 

XXXX XXXX TransUnion : Addresses : XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX : XXXX XXXX - Account XXXX ... .. XXXX {$8700.00} - XX/XX/XXXX Account XXXX ... XXXX {$10000.00} - XX/XX/XXXX TransUnion & XXXX XXXX XXXX XXXX Account XXXX .... {$2600.00}. - XX/XX/XXXX TransUnion : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX .... XXXX {$68.00} - XX/XX/XXXX XXXX : XXXX XXXX - Account XXXX .... XXXX {$9700.00} - XX/XX/XXXX Inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I HAVE SENT ON SEVERAL OCCASIONS for YEARS SENT THE FOLLOWING : 1. AN STATE ID 2. POLICE REPORTS 3. SSN 4. LIST OF ACCOUNTS YEARS OF XXXX RESPONSE. AGAINST THE. LAW. 
AS A RESULT ; I HAVE BEEN UNABLE TO FUNCTION IN GETTING A HOME, A JOBS AND AIDING MY BUSINESS. THIS HAS COMPLETELY HANDICAP MY ABILITY TO TAKE CARE OF MY FAMILY.
Consumer complaint received 2024-04-18
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)

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (UT)

I placed an order for a fire pit where I found the ad through XXXX. 
The Firepit was a millenium falcon fire pit The company was XXXX and it was never received. I used my BestBuy/Citi credit card, ending in XXXX. 
Order was placed on XX/XX/XXXX. 

When I disputed this with the credit card company, they sent me a copy of a XXXX tracking number that supposedly stated that the item was received. 
1. No delivery address was on this label.

2. The tracking number was not present or clearly legible on the label that Citi/BestBuy provided. 
3. The delivery city was incorrect -shows XXXX XXXX XXXX XXXX however my deliver address is XXXX XXXX 
4. The date format is not consistent with standards for XXXX XXXX. 
5. I work from home, I am home all day, and was present at home at the time of the delivery. No delivery attempt was made.
Consumer complaint received 2024-03-26
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. (IN)

Beginning back in 2020 my information was compromised in several attacks that occurred over a for year span between XXXX, XXXX XXXX, XXXX XXXX, XXXX which works on behalf of my XXXX coverage XXXX XXXX XXXX XXXX XXXX. As a result I am filling out this complaint as I am a XXXX veteran who was injured in the line of duty who had multiple issues with my personal data and secured information from banking, social security number, debit cards, emails, documents were exposed over several data breaches. I have notified said companies and credit bureaus with all documents to help assist me in this matter. Yet I have been targeted by debt collectors and companies who do not want to help yet they treat and talk to me with disrespect and treat me as if I am a criminal and furthermore they try to intimidate me into paying on accounts or even paying back money or items I never purchased or loans I never applied for. I have tried to be as helpful as possible this has caused several issues within my marriage my personal business life and a direct hit to my character reputation and my physical and mental health and which it has made things worse because it has been very difficult for me to get my restored. These attacks occurred during times were I was either dealing with a major surgery or I was in the hospital and because of my health issues I was unable to notice this or I was not capable of contacting said companies. Due to my health issues and both mental & physical health I would not been able to physically or verbally consent to these accounts. I have been both verbally abused and accused of opening credit cards or applying for loans. I have contacted companies directly debt collectors and gotten police reports Identity theft reports locked my credit file and yet these companies keep insisting I am not providing enough evidence. I am on the verge of suing all companies and bureaus involved because all this did was push me further into XXXX and has made my XXXX and XXXX become worse, I have even contemplated taking my life as this has ruined me and caused me to not even be able to get things for my family my wife and kids have suffered the most and that what hurts the most not being able to obtain the things I want and need for them. I wanted to move to a new state and purchase a new home but this is hindering my progress, my car notes and bank accounts have been closed and my cars are on the way of being repossessed because of the fraudulent activity has caused several returned check fees that total more than {$10000.00} between both vehicles.
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (KS)

I was contacted by Genesis Credit Management by a woman whose name I dont care to remember. She supposedly ran the debt collection section for the company whose apartments I was living in. The first time we spoke she informed me of a past due balance. I informed her that the additional charge of early cancellation should be waived per their rental agreement because I gave them advance notice that I was leaving on military orders. I had turned in a letter with the appropriate verbiage as it was explained to me by office staff. The letter was turned in through the mail slot on the office door. I explained this to the woman who called me, and that I would speak with her after I have talked to military jag. She responded with Their not going to help you, they dont help with these things. I thanked her for her advice and told her I would still be talking to them. 

While at XXXX and XXXX School, I left my personal phone with my uncle, she called again and he answered and told her wrong number, she replied with oh, if this is how you want to do business, watch what I do. I was informed of the conversation and told my uncle to block her. A week later she reported the debt to the credit bureau. 

If this is the attitude of a person who threatens and lashes out at service members and discourages them from taking the proper legal means to protect our rights then she should not be working where she does. Having a bad attitude and then deciding to report on someones credit is egregious and she needs a reality check.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV INC. (CA)

On XXXX XXXX someone use my card and spend almost XXXX dollars on stuff and i call my bank when it was still pending to stop it they said i had to wait until it goes thru so i could do an dispute. Then that i had to send the paperwork before ten days. Now its been 6 days already am keep calling cause i need to make my car payment that i need my money. Now they say its gon na be 45 days.its not fair.
Consumer complaint received 2024-04-18
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. (NJ)

Two fraudulent inquiries appear on my TRANSUNION credit report : XXXX ) XX/XX/2024 XXXX XXXX, and XXXX ) XX/XX/2024 XXXX XXXX. I have attached the FTC fraud report for the above.
Consumer complaint received 2023-04-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (NC)

Due to the neglience of this company and the information provided back in XXXX, the NSF fees caused, and a whole slew of other issues they caused with other bills, I paid my last XXXX payment on XX/XX/. It was not late. Considering all the mess they caused with the fees and getting behind on other bills, completely messing up my budget, I would think they would be a little more diligent and attentetive about my account. However thats not the case, in my case and histoically. I am still recovering from their neglience. As of today, XXXX, I got an email that there was a change in my credit report. I logged into to all the credit agencies and checked my credit reports to discover that BSI reported my XXXX payment as late. First off they messed my drafts up in XXXX and second I wasnt late. I have been totally stressed about all this and I have had to invest a lot of time and energy into fixing everything because of all this. I even spoke to an employee the last week of XXXX and inquired about being late, told them the date of the last payment of XXXX, and was told everything will be fine. And so it seems everytime, I again, was given false information. Called today, and a girl exclaimed that its only 16 days after the due date for it to be marked late, and transferred me in mid sentence to a voice mail box. I didnt ask to be involved with this horrible company.