davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (FL)

We closed on a refinance on XX/XX/XXXX. Our homeowners insurance was due on XX/XX/XXXX. We received a notice of cancellation for the policy for XX/XX/XXXX. I have been in contact with my mortgage holder by both telephone and email in an attempt to get this paid. As of today ( XX/XX/XXXX ) the bill was still not paid. To avoid cancellation, I paid the premium out of pocket. My mortgage holder is Prime Lending.
Consumer complaint received 2023-08-17
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: General Motors Financial Company, Inc. (SC)

XXXX  Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove all late payments ( XX/XX/2022, XX/XX/2022 ) account is paid, and now closed. 


XXXX Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX : XXXX XXXX Account number:XXXX  This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (TX)

Equifax is not conducting proper investigations. I have provided Equifax with the necessary information and have requested Equifax to report true and accurate account information and still Equifax has failed to do so.
Consumer complaint received 2018-04-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (IN)

Received letter from XXXX XXXX collecting for XXXX XXXX XXXX. I requested validation of this loan ( see attached ) and they sent me another collection letter. 

XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Experian was the result of their non-compliance to my request and for their refusal of correcting the item stated below. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me fix and update the concerned item for it was found erroneous and inaccurate. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-08
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-01-11
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. (FL)

XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : Total fraudulent amount : {$51000.00} XXXX XXXX Account Number : XXXXXXXXXXXXXXXX Date fraud began : XX/XX/2022 Date that I discovered it : Total fraudulent amount : {$500.00} XXXX XXXX
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

This was the email sent to this company that received my identification as a third party to attempt to contract with the Executor that has privately discharged all debts and has protect all of his assets by a XXXX lien filed and accepted by the superior courts. Which ever company violated my Due Process of law and illegally gave my personal information to this third party without my consent should be investigated immediately and this bound to the Fee Schedule filed to the court on XX/XX/XXXX. Here is the letter sent to this company and is considered to be a Notice before they violate my Fee schedule and copyright infringement. 
I received a call from this agency on XX/XX/XXXX. Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal ; Applicable to all Successors, Assigns, and Agents : Silence, when there is a moral or legal Duty to respond, constitutes Agreement. 
I never gave consent nor have I contracted with this company. I would like to know why this company is calling in regards to my trust information. I demand within XXXX hours who gave my personal information to this third party debt collector ( Identity Theft ). If you believe my trust owed any money to the previous debtor I want to Thank This Company for paying off any loans my trust had contracted with the previous debtor. Your company was tricked into believing my trust was the debtor and not the Creditor and you paid whatever for a loan that was already discharged by the IRS and State Treasury. I demand the payoff amount this company paid and to whom, full disclosure of the contract and what is your authority and jurisdiction to operate in this capacity. This is a Notice making sure your company knows my assets are fully protected by Affidavit ( XXXX ), XXXX and a Fee Schedule and will be presented to your company if they choose to steal my private property. Your Debtor forgot to tell you of the Affidavit ( XXXX ) and you paid off whatever debt was owed. As it appears right now this company is in violation of Due Process of Law and is operating as a Executor XXXX XXXX XXXX while and are attempting obstruct of Commerce and violating these laws, 18 USC 241 and 242,15 U.S. Code 1692e, 16 CFR 433.1, 12 CFR 1026.13, 16 CFR Part 314, The Fourth Amendment and Fifth Amendment. I am giving this company 48 hours to respond to my demand otherwise I will start with a public report on the CFPB followed by the FTC, SEC and the IRS. I the Living Man I Reserve All Rights without Prejudice
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've made it a point to always submit my payments on time with this account, ensuring that there are no instances of overdue payments. Yet, I'm puzzled by the appearance of late payment remarks linked to my accounts. Referring to the guidelines outlined in 15 USC 1666b regarding billing errors, I believe corrective action is necessary.
Consumer complaint received 2022-11-26
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. (MD)

My unblemished credit has suffered a sudden, surprising, and stubborn impediment, which now imperils my timely repayment of obligations taken on to get through the XXXX pandemic, and which I am sworn to honorably achieve. 

In XXXX, XXXX, XXXX reported an old account of mine, for XXXX XXXX XXXX, closed since XXXX, to all three credit bureaus, showing an Adverse unpaid balance. This balance accrued from false and fraudulent charges and fees some for services not rendered, some for service tier changes made against my instructions, some for billing contrary to sales pitches, etc. I had made regular ongoing payments for legitimate charges, but had refused those which were unethical. My vigorous good-faith efforts toward remedy were of no avail. 

I disputed this Adverse Entry with the bureaus. Their 'investigations ' yielded nothing beyond the likes of, " We contacted the company for them to investigate your dispute. The results are : This creditor has verified that the current status is being reported correctly. '' I agree the false fees are being reported exactly as they were originally falsely charged. Of course XXXX denies their unethical conduct. But their misconduct is not my responsibility.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to file a complaint on TransUnion XXXX and XXXX XXXX reporting on my credit that I dont recognize nor did I give permission to. There are many inquires and public records that I want remove from
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were LATE and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and late, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-08-17
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09
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. (FL)

I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, XXXX requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report.
Consumer complaint received 2024-04-01
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. (CT)

DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I SPOKE TO XXXX XXXX IN REGRAD TO DISCHARGING THE ACCOUNT FOR BEING OPEN FRAUDUALENTLY WITHOUT OUT MY CONSENT ON XX/XX/XXXX I PROVIDED THEM WITH ALL MY DOCUMENTS AND POLICE REPORT AND SIGNATURE SAMPLE SHOWING THAT THE ACCOUNT WAS NEVER OPEN BY ME AND THAT I NEVER ATTENDED THE SCHOOL THAT IS ASSOCIATED TO THE PROMISSORY NOTE. THIS ACCOUNT WAS CREATED FRAUDULENT BY THE SCHOOL TECHNICAL CAREER INSTITUTION.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : 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 XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2018-10-17
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. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date:XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX CARD Closed : XX/XX/XXXX In addition, there are credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX CARD Closed : XX/XX/XXXX Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (AZ)

Fed Loans reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.
Consumer complaint received 2023-08-17
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account 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. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. On my credit report there is a Charge off from : 1. 
XXXX XXXXXXXX XX/XX/XXXX for the amount of {$230.00} & {$150.00} from XX/XX/XXXX. 2. XXXX XXXX XX/XX/XXXX for the amount of {$380.00}. 3. XXXX XXXX for {$2200.00} the date is unknown but it was reported XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX for the amount of {$1200.00} 5. 
XXXX XX/XX/XXXX