davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (MO)

XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information without my knowledge or permission. I have contacted credit one but they are not wanting to change anything. 

XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX Services XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I have tried numerous times to contact XXXX XXXX XXXX  but I have not been able reach anyone and the hold times are ridiculous. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with a rep named XXXX who told me that they would not be willing to change their reporting. 

XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with 2 different reps about 3 weeks apart from each other ; yet each time I've been told that someone would be getting back with me in which case they have yet to do so. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. The hold times are ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never even applied for this account. XXXX XXXX will not change their reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never applied for anything with this lender. I keep getting the run around when trying to effectively communicate. They aren't willing to work with me.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: REGIONS FINANCIAL CORPORATION (IL)

My windows were installed by XXXX XXXX XXXXXXXX. My loan was with Regions now Enerbank. The original loan was for windows in the amount of {$11000.00} on XX/XX/year>, I have made a totaled payments in the amount of {$1500.00}. My balance is {$11000.00} which does not make any sense, I was just informed today the interest was compiled daily. The more I pay the more interest they get?
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account Number:XXXX  has violated my rights. Or a 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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

The following corporations and agencies have violated my consumer rights, and I will be using every remedy under federal consumer law : They have ignored every letter of online activity that was sent to them to recognize their fault in this manner : XXXX XXXX XXXX, XXXX XXXX, Midland Collection Agency, XXXX, and XXXX : Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that your agency provide detailed verification of the alleged debt, including the original creditor 's name, the nature and amount of the debt, and any relevant contractual agreements. Failure to provide such verification will be considered a violation of my rights, which he still has not provided today.

In light of the lack of a contractual relationship and unauthorized access to my private information, I request that your agency cease all communication with me regarding the alleged debt. Any continued attempts to collect on this debt without proper verification will be considered a violation of the FDCPA.

I expect your agencies to conduct a thorough review of this matter and provide a written response within [ a reasonable time frame of 14 days ] addressing the concerns raised in this complaint. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights.

According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (RI)

I have been trying to contact Experian for months now! I have been calling constantly to cancel this membership! It is impossible to talk to someone! I have been on hold for hours and hours and sometimes it just disconnects the call! They have been charging me $ XXXX/month for a service that I CAN NOT cancel and DO NOT use. This is the biggest scam ever!
Consumer complaint received 2017-12-23
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: AMERICAN EXPRESS COMPANY (CA)

I am an American Express Platinum account holder. As one of the benefits offered by American Express as a Platinum Card holder is Travel arrangements provided by American Express. On or about XX/XX/XXXX I used their services, on-line, to purchase an emergency flight and hotel accommodations. Within 24 hours of making this reservation, I called American Express Travel directly at approximately XXXX XXXX  XX/XX/XXXX to inform American Express Travel Agent to cancel the entire arrangement. The agentwho took y request, in my opinion, was extremely agitated which I assumed was due to the XX/XX/XXXX travels. Nonetheless, this Customer Service Agent at American Express Travel forgot to cancel my flight with XXXX XXXX. I was charged for {$690.00} for her error. I have made two previous disputes. The first was denied because I did not provide appropriate documentation, with the second I was able to provide names, date and even spoke with a supervisor who acknowledged the agent did not cancel the flight reservation. This supervisor has the transcript of my call requesting the cancellation. 
I was informed XX/XX/XXXX that my dispute was denied because I did not cancel my flight directly with XXXX XXXX. I did not have a ticket or confirmation number from American Express Travel since the arrangement was made directly with American Express Travel within the 24 hour  cancellation policy. The Agent did mention that the XXXX reservation may not be refundable and I informed her as a XXXX XXXX member all reservations are refundable. I called XXXX at spoke with the night manager and he assured me the cancellation was not a problem and neither I or American Express would be charged since the cancellation was made less than 24 hours from being made. 
This American Express Travel Agent was responsible for cancelling my flight. She did not cancel as instructed and now I am being charged for her error. I did not deal directly with XXXX and had no information to provide to XXXX. 
I was also told by an American Express Supervisor this evening that American Express Travel has  no affiliation with American Express Credit Card Company.
Consumer complaint received 2024-01-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (MN)

I purchased the home at XXXX XXXX XXXX, XXXX, MN with my ex-husband, XXXX XXXX on XX/XX/XXXXXXXX Due to financial hardship, we refinanced our modest mortgages on the home on XX/XX/XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. We took out a mortgage with XXXX for {$160000.00} and were required to also sign a separate second mortgage to XXXX for {$42000.00}. Specialized Loan Servicing ( " SLS '' ) began servicing the junior mortgage on XX/XX/XXXX XXXX XXXX according to its internal records. SLS did not timely abide by the notice of servicing transfer guidelines under 12 USC 2605 or Minn. Stat. 47.205. subd. 2. 

Due to financial hardship, I filed for XXXX XXXXXXXX bankruptcy protection on XX/XX/XXXX. An attorney filed a proof of claim as representative for SLS as " Attorney in Fact for XXXX XXXX XXXX XXXX as Trustee '' on XX/XX/XXXXXXXX XXXX  listing the total debt of {$42000.00}. No documentation was provided in the bankruptcy case nor recorded on title to show either SLS or XXXX 's interest in the underlying loan, mortgage, or the property. SLS accelerated the loan on or before XX/XX/XXXX but then did not complete foreclose within the 15 year statute of limitations under Minn. Stat. 541.03. 

I subsequently filed for XXXX XXXX  bankruptcy protection on XX/XX/XXXX. An order of discharge was granted on XX/XX/XXXX, which included a discharge of personal liability on the junior mortgage. 

In late XXXX, SLS suddenly began reaching out to me with new attempts to collect on the debt, threats to foreclose the junior mortgage, and pressure to enter into loss mitigation to pay an amount almost three times the original amount of the XXXX junior mortgage. I was confused and questioned whether this was a scam and against the law given my bankruptcy discharge in XXXX, and having heard nothing from SLS since XXXX about making further payments on the junior lien that was written off. In these activities, SLS violated 15 U.S.C. 1692f ( 6 ) of the unfair debt collections act and several provisions of Minnesota Statutes Chapter 58 relating to mortgage servicer standards of conduct. SLS is also in violation of the terms that it agreed to in the Consent Order with the United States of America Bureau of Consumer Financial Protection filed XX/XX/XXXX.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-17
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: First Advantage LNS Inc. (NC)

The company asked for the notice I turned in to the office before turning in my keys and signing for my mail to be forwarded XXXX  notice XX/XX/2022 and was completely moved out XX/XX/2022
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (MO)

They frequently call outside allowable hours. I've told them not to call as I have an attorney. They call from multiple numbers multiple times per day. About half the time there is nobody on the line and their system hangs up on me when I answer.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

There's a transaction ( XXXX debit transaction ) transferred money ( {$68.00} ) from my Checking account ( XXXX ) called XXXX payment to XXXX XXXX. I did not recognize that charge and I called chase when the trans was pending. However, chase posted a news letter today, detailing that the transaction is authorized. This is an UNAUTHORIZED transaction and there's no way I sent the same amount of trans two times to two different people.
Consumer complaint received 2023-12-28
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. (TX)

This is my XXXX 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023
Consumer complaint received 2024-04-24
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. (NY)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

on XX/XX/XXXX i received my escrow staatement from Bayiew Loan Servicing. It showed that my escrow account was {$15000.00} in the negative. I called and was told that this was for back taxes. When I questioned this they could not tell me who the money was paid to, I kept calling and got the same answer. Since XXXX my servicing company has changed 5 times. Each time I called the new ccompany and asked who the taxes were paid to. same reply. they did not know. Today I called XXXX XXXX the most recent company and spent 3 hours plus and still got the same answer. " They did not have that information. '' I was told on XX/XX/XXXX that XXXX gould not assist me further bacause my mortgage was current. I stopped making payments at that time and have not made any further payments My loccal taing authority on a conference call told XXXX that there were " no '' outstanding claims ffor back tae for XXXX and previous yers.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (PA)

OnXX/XX/XXXXXX/XX/year> I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/year> without my permission
Consumer complaint received 2024-04-24
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2023-09-01
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. (GA)

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 Account Number : XXXX has violated my rights. Or 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 2024-01-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

I do not know this company. THIS COMPANY HAS VIOLATED MY PRIVACY RIGHTS. As a private citizen I have rights to life liberty and the pursuit of happiness. This company has no consent to use my private information for personal gain which is unjust enrichment. This is aggravated identity theft, racketeering and extortion. All three companies has 15 days to remove or lawsuit will be filed. This notice will be the default
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am rquesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. The three accounts below are listed as collections on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A You are required to do what I am asking and block these transactions from being reported to my consumer report within four days from the date of receipt of this notice. I look forward to your response. 

Thank You