davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (IL)

I am writing to express my dissatisfaction and frustration with the handling of my request to remove fraudulent items from my account. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my efforts, the fraudulent items remain unresolved. 

It is deeply troubling to see that despite my attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise serious concerns about the security and integrity of my account. 
However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (FL)

We are trying to sell our home via short sale - XXXX  is the main holder and has approved the sale - Statebridge is not working with our realtor and will not settle on our debt and is killing our sale for our home forcing me to file XXXX  XXXX - we just want a resolution to this whole situation - the employee from loss mitigation is causing the issue due to the fact I called him out on his condescending tone and behavior on the phone and we had words and now he is trying to sabotage our change to resolve our home- please help- I have also reached out to the company Please see below Good Afternoon, XXXX XXXX I did not know where to turn, but to hopefully gain some grateful help and incite from you! 

We are in the process of selling our family home in a short sale - The main mortgage has accepted the deal and your company has now denied any type of settlement. We are not making any money just getting our home situated and sold to another loving family. 

Unfortunately, I made some very bad business decisions that impeded my family life and has harbored into several lawsuits and a bankruptcy as well as a crazy divorce. 

I would love to find a settlement on the note that is owed to your company, However - your employee XXXX XXXX from loss mitigation is unwilling to work with our lawyer and realtor and it will kill the deal. 

I would be so grateful if you could help us in any way- Please note that when I spoke with XXXX, he was very condescending and has no idea what folks or individuals have gone thru - our self-esteems have been shredded and clouded with embarrassment by our situation. He did not add any light to the circumstance. I did call back and speak to another woman who was absolutely lovely, and I commented about XXXX 's behavior. I understand you are in the business of making money, but we are only trying to settle our lives. Can you please help us get some sort of settlement. I would be so grateful if we could settle for a lesser amount on the debt that we owe. 

I have attached the letter from XXXX. 


Grateful for a wonderful outcome. 

Sincerely XXXX XXXX
Consumer complaint received 2022-09-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Please refer to my previous letter for the information that needs to be re-investigated. 

1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX MD Account Number : XXXX This Account is Inaccurate and I'm seeking litigation please delete at once 2. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  BANK Account Number : XXXX Please supply information on how you have verified this item. 



Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

My credit report is showing both a dismissed XXXX  XXXX Bankruptcy and a discharged XXXX XXXX  Bankruptcy. I have disputed these items several times over the last 9 months but the bureaus continue to respond ITEM VERIFIED to the disputes I've submitted. This is extremely confusing to me because the Bankruptcy court respond to my inquiry to them by stating that they do not report or verify any information to or with the credit bureaus. When receiving notification from the credit bureaus that they verified the information electronically via XXXX XXXX I contacted them. They sent me a notice stating that the information was removed and recommended that I contact Equifax, XXXX and XXXX to inform them. Nevertheless, with the courts stating that they do not provide any information publicly that includes my social security number or other personal information, I don't understand how the bureaus are claiming that they verified the information. This is a direct violation of the FCRA and must be addressed. These inaccurate and unverifiable public records must be removed from my reports immediately as they are extremely damaging to my file and my well being.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX failure to yield. Stop to a pedestrian. Is a lie my XXXX hit ice I jumped the divider and XXXX stopped. No people involved. XXXX came and towed the XXXX to a shop. Please help insurance is to high due to this lie.
Consumer complaint received 2023-06-28
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. (CA)

Unauthorized XXXX and Transunion Hard inquiry errors to be removed immediately : Dates : XX/XX/2023 and XX/XX/2023 XXXX and XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX account XXXX the last payment on this account is inaccurate. 

XXXX ACCOUNT NUMBER : XXXX the last payment and date of last activity is inaccurate. it has duplicate amount in the same account number with different amount. 

XXXX XXXX account number:XXXX the last payment is inaccurate and the last date reported is inaccurate, payment status is inaccurate. 

XXXX XXXX account number:XXXX date of last payment is inaccurate, date of last activity is inaccurate. 

XXXX account number:XXXX date of last activity is inaccurate, and the date of last payment is inaccurate. 

XXXX  account number:XXXX date of last payment is inaccurate and date of last activity is inaccurate XXXX account numberXXXX  date of last payment is inaccurate and date of last activity is inaccurate. payment status is inaccurate. 

XXXX XXXX XXXX date of last activity is inaccurate, payment status is inaccurate. 


if you verified that this information is accurate, please send me proof of it in order to the law. you just can verified something without proof, that is against the law and my privacy.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023 I entered a TD ATM machine to withdraw {$40.00}. My account had roughly {$350.00}. I took my money and walked away. Less than one hour later, I opened my TD Bank ap and saw - {$700.00}. I looked and saw my card was missing and that I had probably left it in the machine. I literally ran back to the bank frantic as life has not been kind to me lately, financially, in many ways. The bank manager sat me down, calmed me down and assured me he would be putting in a report/claim immediately and more importantly, provisional money, would be given to me within 48 hours. I never received that provisional money. I just learned today that my claim was Denied! I found this, as did all the TD bank reps I spoke with via phone and in person to be a cut and dry case of fraudulent activity. I was told cameras were not looked at which baffled me. One rep said I would need a police report in order for cameras to be looked at which 1 ) is outright scary 2 ) wouldnt you want to see the perpetrator and get the funds/situation handled to the right person? I have spent all day, XX/XX/2023 at police stations, doctors for stomach issues ( bleeding internally/can provide documentation ) and TD branches trying to rectify this situation.I borrowed this money from my mother who has lived the last 2 years as a widow to my father, who lost his life to the co-vid XXXX virus. We are struggling mightily to recover from losing this {$1000.00}. ( It was 2 {$500.00} transactions ) ( it was a female, white, hospital employee ). I am almost certain this is whom stole my funds/used my card. I am being told my claim is denied because another individual knowing your pin. I stood inside a TD bank today and literally watched as people put their pin in the machine. It is not difficult to view the numbers from a distance. I am scared, hungry my mother and i need this {$1000.00} In order to maintain a feasible lifestyle. We just want the bank to give me {$1000.00} back. I dont know if anyone will ever read this but God bless you if you find it in your heart and knowledge of this field to help me recover this money to give back to my mother. My name is XXXX XXXX. Thank you more than you will ever know.
Consumer complaint received 2015-04-02
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Rubin & Yates, LLC (AL)

Rubin and Yates LLC XXXX from New York on XXXX/XXXX/2015 threatened to have my wife arrested and have her picked up on her job in regards to a delinquent payday loan. Also they told her the debt be would settled for a different amount than we are being asked to pay.
Consumer complaint received 2023-06-26
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. (MN)

I received 2 letters from XXXX ( 2 different attempts ) saying I was declined a credit card because my " application contained unsatisfactory or unverifiable information ''. 

I did not request a " XXXX XXXX XXXX '' credit card. Someone is attempting to get a credit card in my name. 

The dates are XXXX XXXX XXXX  and XXXX XXXX XXXX I did contact XXXX XXXX XXXX XXXX. They are " reversing the check on my credit '' and sending me docs to start an internal investigation with them.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX XXXX and there is an Aka that Ive never used on my report a child support charge off that Im confused about.

Also a few other incorrect information about me on there.
Consumer complaint received 2015-03-21
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MD)

1. 
Money transfers to the XXXX of XXXX has only XXXX option for collecting - XXXX $ $ $ currency only. 
2. 
The rate of exchange has been discounted therefore the recipients are not receiving the correct amount in local cureency based on the current exchange rate3. 
Western union is collecting earned income based on gain received from the discounted rate paid to recipients vs. exchange rates set by XXXX XXXX XXXX4. 
western Union charges a fee for each transfers in addition to discounting the exchange rate. 
5. 
Case in point : Today XX/XX/2015, Western Union rate of exchange for transfers sent to XXXX from local outlets ( In Person ) is XXXX {$110.00} to XXXX vs. rate set by the XXXX XXXX XXXX - XXXX {$110.00}. Hence a gain of XXXX {$4.00} 0n each US $ sent.In addition to the base fee of US {$9.00}.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Experian and XXXX are refusing to conduct any investigations into my disputes regarding false late payments. I have been disputing since XX/XX/2021. Each time they Verified as accurate. When I called the representatives admitted to seeing the inaccurate late payment statuses but referred me to the original creditor. So, finally, I had two separate XXXX XXXX XXXX XXXX XXXX credit monitoring services and My XXXX which revealed that XXXX is reporting XXXX Late Payments and Experian is reporting XXXX Late Payments. These late payments are being updated every month. I have asked for proof of all late payments and the method of verification. I have been denied by both agencies. These late payments are a blatant and deliberate Lie!!!!!!!
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

Experian is reporting a bankruptcy that was discharged and I disputed, they stated they verified the bankruptcy thru XXXX which Not did they provided False information and is a violation of the Fair Credit Act I have enclosed a letter from the courts they Do Not Verify Bankruptcy I want this deleted from my credit report
Consumer complaint received 2017-11-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (OH)

Around XX/XX/2017 I was contacted by Clearpath Lending in an unsolicited mail offer stating that I could use a VA backed refinance to lower my interest rate. They stated that I could use a hybrid loan that started at a 2 % interest rate with deferred payments for two months but that in 3 years the mortgage would convert to a variable rate and would increase by one percent per year to a maximum of 5 percent. They also stated that this would not happen and that I would have nothing to worry about. They tried to sell me that the markets would not be good enough to allow an increase in percentage. They also stated that the VA guaranteed that the loan terms and that the 5 % was a cap that the VA guaranteed. They used their VA loan number to assure me that they were legitimate and that I was getting a good deal. 

They were very vague with the terms of the loan and would not allow me to see any legal documents detailing the loan agreement before I signed the paperwork. I fear that any other veteran may have fallen for their promises and would be stuck in a predatory lending scheme by clearpath.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file :XX/XX/XXXX, NC XXXX ;XX/XX/XXXX, NC XXXX XX/XX/XXXX ; XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXX
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Thrive National Corporation (GA)

The company National Fitness has a gym account for " XXXX '' on my credit report and it is not my account. The company National Fitness has gone out of business and representatives from the Fitness company say that I just need to contest the matter as they agree the account should not be on my report.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Equifax, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2022-09-12
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)

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2017-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CO)

On XXXX 2017, I received a collection letter from Credit Collection Services, XXXX, MA XXXX. I was perplexed by the collection notice as I have and have had insurance through the XXXX for almost 10 years. Immediately, I disputed file number XXXX. I explained that I continue to have the same insurance with The XXXX and only changed my last name from XXXX to XXXX. The debt for {$110.00} is not valid. Instead of investigating, the company posted this illegal debt on my credit report. Under the FCRA, a debt may be disputed within 30 days of receipt. Until the dispute is settled, the debt collector can not place the debt on the consumer 's credit. I am still disputing the validity of the debt.