davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (IL)

I received a notice from A credit bureau company in my email today, XX/XX/XXXX that said I had a grossly derogatory report from my mortgage company. I viewed the report and they opened up a report to my credit bureaus reporting my ENTIRE mortgage amount of {$110000.00} Having been modified not under a federal government plan As of XX/XX/XXXX. 
Every last bit of that is grossly incorrect and completely 1000 % wrong!

I called my mortgage company and spoke to two supervisors and they know it is incorrect, but they can not change it until they do an investigation. In the process now, my credit is going to get horribly affected because theyve reported it to my credit bureaus, but they said they can not change it because it was done by someone in the back office in the Credit department!!!! 
My credit score of XXXX is now going to be completely destroyed because someone in their banking institution has made a disgusting and horrific error and this needs to be rectified and their financial institution, M & T Bank needs to be held accountable!!!!! 
I want this removed from my credit and any and all agencies that it has been reported to by their institution immediately and I want my credit to be reinstated as it was. 
They have made a complete and horrible error. Reporting this in the manner that they have. 
There is a Covid hardship forbearance loan that was originated in XXXX and there is paperwork and documentation that was generated which is a SEPARATE LOAN, and I have all of the documentation to proof that, and there is nowhere in that paperwork that states that this is to be reported to any credit bureaus whatsoever. 
They have made a horrendous and negligent error on my credit and they need to be held accountable.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd. (VA)

Harris & Harris LP contacted about a debt that was placed with their company on XX/XX/XXXX with their organization. ( I highly doubt this is accurate, and instead they purchased the debt ) States that the Dept of Taxation of Virginia placed a XXXX debt for XXXX and XXXX years Spoke to customer service rep XXXX XXXX XXXX  XXXX XXXX states she was unaware that the debt was discharged in XXXX XXXXXXXX bankruptcy that was filed in the XXXX XXXX District of Virginia. 

Harris & Harris are unaware of the statute laws for collection in Virginia. They are not allowed to collect in Virginia because they are not registered in this state to do business.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc. (FL)

I was sent a Collection Notice for a medical debt owed to XXXXXXXX XXXX for approximately {$1300.00}. I have not lived in the state of Arkansas since XXXX. I never went to an Orthopedic when I lived in the state of Arkansas. I reached out to the debt collector to advise I had no knowledge of this debt. I was advised it was for my son, who was a minor at the time of service, therefore they had the right to persue collection. I advised the rep that my son attends college and lives in the state of Arkansas with his father. I live in Florida. I was told I could dispute via email address. Prior to submitting my dispute, I called XXXX XXXX regarding the debt. I spoke with a rep who advised none of my information was on their records and they did not have me down as the responsible party. They advised the responsible party listed on their records was my son 's father, which is whom the debt should be under. They advised that they had spoken with his father several times, however he had not made payment. They advised my son 's father had brought my son to this office for treatment. I had no knowledge of my son 's treatment at this office nor have I ever provided consent for treatment or signed any documentation that I agreed to financial responsibility at this doctor office. I was never contacted by the doctor office regarding the debt at any point. The collection agency had never contacted me prior to XX/XX/XXXX, which is the date on the letter received. This item is now listed on my credit report as a collection item. I was never previously notified/afforded any opportunity to dispute the debt prior to it being reported on my credit.
Consumer complaint received 2023-07-27
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-17
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: CORELOGIC INC (MD)

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX. XXXX, XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act Account 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
Consumer complaint received 2024-03-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MN)

TARGET violated my rights In accordance with the Fair Credit Reporting Act, under 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. TARGET has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided TARGET two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. TARGET also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. TARGET has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, TARGET failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to TARGET a properly indorsed and endorsed note, giving it value, for TARGET to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from TARGET. TARGET is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
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: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (NJ)

On XX/XX/XXXX I received a bill from United Wholesale Mortgage stating my mortgage was going to increase by {$520.00}. When I called on XX/XX/XXXX I was told the reason was because my property taxes were increasing by over {$3000.00} a year. They told me about {$350.00} of this was for the taxes and {$170.00} was to cover the increase needed to cover the additional escrow needed. I then called my local county tax office which told me this information was incorrect and to have my mortgage company to call them. The publicly available information on my tax website and from the phone call with the local office my taxes have only increased by {$97.00} per quarter for the year. 

XXXX XXXX XXXX XXXX XXXX XXXX I then called the next day on XX/XX/XXXX to give UWM this information. They stated they would then have the back office team rerun the escrow analysis. When I inquired where the back office team got these numbers they could not provide that answer and gave me an e-mail to get this question answered. 

I then e-mailed them on XX/XX/XXXX and followed up on the XXXX and received no response, screenshot below. 

On XX/XX/XXXX I followed up with UWM and was told that they could see that the back office team was able to corroborate my numbers and spoke to my local office and had notes stating they verified all the information I provided as being correct but that for some reason they never updated the tax line. I was told that this information would be updated by the time my payment was to come out on XX/XX/XXXX. 

On XX/XX/XXXX they pulled out the full amount of my mortgage along with the over {$500.00} we needed for our other bills. I called on the XXXX the next business day after this transaction came out of our account and requested a supervisor to deal with this. For some reason, supervisors are never available and have to call you back. I was told that the supervisor wasn't in so I would get the next highest-up person however I never received a call back. 

I called again on XX/XX/XXXX stating I never received a call the previous day. I was then promised a call back from a supervisor and still have not received a callback. My {$500.00} still has not been refunded back to me and my account shows my bill for XXXX is showing the same excess amount.
Consumer complaint received 2024-03-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I reached out to national credit systems several times they would kept asking for another 30 days just to not be able to provide the original lease with my signature, debt assignment, or payment history. Spoke with the manger XXXX XXXX and he advised me if they didnt get the documents they would have to remove the debt when the day came up he stated his attorney said they wouldnt remove it but the will change the amount from almost XXXX to the amount on the judgement which nobody showed up for so of course the court ruled on it. They then advised me to take it to court this was from XXXX  I think I was in college and you only have 30 days to reach out to the court about something .XXXX  always say they verify this debt but they never can show proof.
Consumer complaint received 2023-08-06
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. (PA)

On XX/XX/2023 through XX/XX/2023 I was notified by XXXX XXXX XXXX that a series of credit inquiries were happening on my credit profile. I did not authorize anybody to run my credit. I did not give my information to any company, and I did not go looking for any sort of credit at all. The notification led me to immediately lock my credit profile.
Consumer complaint received 2023-08-06
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. (AL)

I have unauthorized inquiries on my transunion credit report that I didnt authorize and they need to be deleted immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove these inquiries. I understand that under 15 U.S.C. Sec. 1681i ( a ) I will attach my FTC report with all the unauthorized inquiries
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. (MD)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-03-04
Product: Mortgage — FHA mortgage
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: Fay Servicing, LLC (OH)

My loan is with FayServicing. My name is XXXX XXXX and my property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called on Monday XX/XX/XXXX to speak to someone on my options for payments on my delinquent loan. The customer service assistant recommended an informal repayment plan which would have worked with my budget and stated these have to be approved by management and that would take at least XXXX business days and they would get back to me to make the payment once that was completed as long as it was approved. I called back in on Monday XX/XX/XXXX that is the XXXX business day and was told that it was approved but since I didn't make the payment in XXXX I no longer qualified when they did not get back to me to let me know I was even approved and the only way to resolve the situation was to make a double payment of the repayment plan, which I would have had the full month of XXXX to make that second payment. Due to the Servicing company not getting back to me I feel I'm being punished and now my house is at risk of foreclosure. I also ask to be transferred to a XXXX which I was instead transferred to the managers voicemail. We'll see if they get back to me.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (OH)

I got a line of credit and didn't understand the extreme percentage rate. I can't afford it. I was paying XXXX a month for XXXX loan. I paid XXXX in XXXX  months along with all the other payments made before. I probably paid over XXXX to try to pay it off which i never will. I had to stop paying because I couldn't afford to live. I think I more than satisfied my debt to them.
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: EQUIFAX, INC. (TX)

I am writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-06
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. (MA)

I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from TransUnion. The following are the details of the disputed accounts and the required corrections : Account Name : XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} The account with XX/XX/XXXXwas never late, and I request TransUnion to correct/update this inaccurate information on my credit report. 


Account Name :XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} The account withXX/XX/XXXXwas never late, and I request TransUnion to correct/update this inaccurate information on my credit report. 


Account Name : XXXXXX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} The account with XXXX XXXX is not mine, and I request TransUnion to remove it from my credit report immediately. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} The account XXXX XXXX needs to be examined due to incorrect reporting. The balance reported is higher than what I remember, and this account was presented as closed. Therefore, the Past Due amount is not supposed to be provided for this account. I intend to address this issue directly with the creditor, and I request TransUnion to report the account as disputed until a resolution is reached.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

My account was hacked and I was given false information to wire money to a client on XX/XX/XXXX. I wired {$22000.00} from JP Morgan Chase to XXXXXXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX. I filed a report with XXXX  research team @ XXXX XXXX XXXX - XXXX. I was told that the XXXXXXXX XXXX issued a request for a hold harmless letter, but Chase could not confirm whether XXXX XXXX  indeed received this letter. I was then connect to my banking manager XXXX XXXX who told me that they would research it. I was then passed to his manager XXXX ( refused to give last name ) who also informed me that there was nothing they could do and were subject to their systems and could not directly call XXXX XXXX and would have to wait for a response. I have requested information more than XXXX times and am always told that the banks will not speak to each other and have to wait until a response. I am now being told that if XXXXXXXX XXXX  doesn't respond in 180 days, Chase has the right to close the case if no response is received. It appears that both banks are content with no response until such time that they can close the case.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Tried several times to get the following items removed from my report : The inquires and and accounts XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX was opened without my consent and fraudulent. These accounts are holding me back from establishing good credit and ultimately buying a home for my family. I need these accounts looked into and investigated because I did not open those accounts.
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. (CO)

Per the FCRA, as a federally protected consumer, I opted out of any and all authorizations to publish XXXX accounts stated in my permissable purpose letter, as well as the violation of 15 USC 6802.
Consumer complaint received 2024-04-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

My situation is very sad. 

I arrived in the U.S. a few years ago and just a few years ago I got my social security. 

They are deliberately placing a debt of over {$40000.00} on my credit that is not mine for something rented. 

How can this be possible, when I barely have my social security to be able to responsibly work here in the United States. 

This XXXX XXXX XXXX with an account number of XXXX are deceiving me by placing this debt on my credit when it is not mine. 

I CHOOSE NOT TO BE DECEIVED AND TO BE PROTECTED BY THE SYSTEM.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.