davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMERISAVE MORTGAGE CORPORATION (IL)

I called to get weekly updates on {$18000.00} assistance payment from XXXX on XX/XX/XXXX and was told they didnt receive it. This continued until XXXX when funds were finally applied to account. I spoke to numerous supervisors, sent emails with detailed information of payment as well as requested escalation of the situation. I was told a supervisor would return my call and spoke to one after several months, XX/XX/XXXX. AmeriSaves mortgage servicer harassed me after calling them when the payment was less than 15 days late with daily mailings and sticking a notice on my gate for anyone to walk pass and grab until I mentioned notifying your agency if they persisted. I kept constant contact with them and gave updates on bringing account current. I disputed accuracy of payment information and they have finally reported the account current. My next payment isnt due until XX/XX/XXXX but they havent removed incorrect late payments which is causing great harm to my score. They even reported receiving last payment XX/XX/XXXX but showing late for XXXX, XXXX and XXXX. Please assist in this matter!
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc. (KY)

There wasn't a great options for this situation. The Bureaus had used National Enterprise Systems to attempt to collect this debt. It shows the account date was XX/XX/XXXX however the last payment was XX/XX/XXXX. 
My attorney XXXX XXXX XXXX responded to the initial letter from National enterprise systems and the debt was not able to be verified. It is still currently on my credit report and being reported every month as an open account that is owed by the Bureaus. 
The letter was dated XX/XX/XXXX. The attorney responded XX/XX/XXXX.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 2022-11-08
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. (IL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2023-10-04
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. (NV)

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking #. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting 100 % Accuracy. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Below are the accounts that were assumed to be verified, but have not been. I am asking that all accounts be removed these accounts are reporting inaccurately, improperly, and fraudulently. These credit bureaus are breaking the laws created by the FCRA as well as violating my consumer rights and that will not be tolerated. Listed below are the accounts I expect to be removed. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX/Dofed- XX/XX/XXXX Account Name : MohelaXXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX SERVICES ) XXXX Account Name : XXXX These accounts were opened fraudulently. I am a victim of identity theft.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion Credit Reporting Agency has failed to accurately resolve my dispute with my account at XXXX XXXX XXXX XXXX. This account is Paid In Full. My TransUnion dispute was not verified with XXXX  and instead I was given a status of : NOT CHANGED. This has happened before when submitting a Dispute with TransUnion. 
I have never had problems with XXXX or XXXX when updating my credit or disputes.
Consumer complaint received 2022-12-02
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-04
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. (NV)

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking #. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting 100 % Accuracy. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Below are the accounts that were assumed to be verified, but have not been. I am asking that all accounts be removed these accounts are reporting inaccurately, improperly, and fraudulently. These credit bureaus are breaking the laws created by the FCRA as well as violating my consumer rights and that will not be tolerated. Listed below are the accounts I expect to be removed. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX/Dofed- XX/XX/XXXX Account Name : XXXX/Dofed-02/2022 Account Name : XXXX XX/XX/XXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Account Name : XXXX These accounts were opened fraudulently. I am a victim of identity theft.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

My PaypaXXXX account was suspended and my funds are being held for up to 180 days in contradiction with their own User Agreement. 

This happened on XXXX : The message that I got after my account was reviewed was and I quote : " We've reviewed your PayPal account again, but we're still unable to make the money in your account balance available for withdrawal at this time. 
This is because we must allow sufficient time for buyer complaints, such as chargebacks, to be opened by customers who've sent you money in the past. These can take several months to be reported and resolved and because they can result in financial loss, we need to leave money in your balance to cover any such eventuality. '' This is also the reason stated in their User Agreement. 
I insist again, for the review team to reconsider my release of funds as the above condition does not apply to my account any longer because : -There was only one person that sent money to my account and they used their Paypal balance, so there is no posibility of a card chargeback for any transaction made to my account as they did not pay with any card or bank account. 
-All transactions made to my account has been already disputed and all cases were decided in my favor so there is no longer a risk of any case or dispute being open for any of my transactions, and so the risk for a financial loss to Paypal is no longer a factor that exists. 

My funds are now being held beyond the reason for witch they were being held, again the 180 days hold is to allow for any chargeback and/or disputes to happen, but chargebacks can not happen as explained above and all possible disputes already happened and they were settled for all transactions made to my account.

The Paypal company now holds my money in contradiction with their own User Agreement.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I have a joint account with my fianc with her being the primary on the account. The account was through. XXXX XXXX XXXX, for whatever reason was closed and charged off and sent to selip & stylianou llp. We made payment agreement with them and have paid off the entire balance. Shortly after we received another letter stating that we owed another {$2000.00} for court costs. This never went to court, which is why we made the agreement. The accounts have not been updated to paid in full on credit reports causing us to not be able to buy a house. The additional {$2000.00} ( supposed court fees ) was not agreed upon, nor was it stated we had to pay this. The XXXX people i spoke to at this law firm were extremely rude, and refused to speak to me about the account even though i am joint on the account, but happens to be only in my fiancs name. We would like this to be updated and closed.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 2022-12-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (OH)

During a serious hardship, I was misplaced from my home due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The mortgage is in my name only, so I had to pay my mortgage by myself, while I stayed at extended stay hotels, additional expenses, until the divorce was finalized, then I could return home. Due to my ex not paying any marital debt, I had to pay all the bills. I needed help financially, I contacted the mortgage company for forbearance assistance, I was told not to worry that there would be assistance, instead I was given a 6mo repayment plan, much higher than the original payment amount, no other options and was forced to repay starting the following month. I agreed to the terms and paid accordingly, after the forbearance was paid off, I was hit with a 2 months late credit hit of XXXX XXXX and I had no idea that would occur. As well, I was told that I owed additional escrow since the repayment agreement plan amount of {$1300.00} ( started in XX/XX/2022 ) occurred before the escrow was completed in XXXX, which was added to that payment and the subsequent. So I dont understand how I still owe as much as {$340.00}, but there was no awareness until after the forbearance was paid off and they are still holding my mortgage payment, saying theres only a credit of {$740.00} which has not been applied, and I paid the amount due of {$1000.00} as the normal mortgage payment starting in XX/XX/2022. Not until that payment was made, did I get charged with escrow XXXX, taken from my mortgage payment, causing my account to appear a month behind, this practice is not fair to the consumer, paying the late fees is better than penalizing good paying customers for years, when they are already trying to avoid foreclosure and stay in good standing, I dont understand how that benefits the company to hurt its consumer financially by hitting their credit score.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Someone got into my account without my knowledge and apparently tried to make some deposits. USAA froze my account and then decided to close it. At which time the kept all my money and telling me it will be sixty days before it's released.. I have nothing to live on as everything I have is in that account. How can they put me in this hardship when I did nothing wrong? I need that money to live. I'm XXXX and unable to work so I depend on my retirement and XXXX checks to survive.
Consumer complaint received 2023-10-04
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. (CA)

XXXX XXXX is reporting late payments on this account. XXXX XXXX is reporting the last activity on the account as XXXX but the account was closed in XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 602 it states that I have the right to privacy.

Under 15 USC 1681 604 ( A ) ( 2 ) it states that A consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( B ) it states that a creditor shall not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. 

This needs to be corrected to never late on my consumer report and your records or deleted from my consumer report and your records.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-10-04
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. (MD)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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 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 2023-10-04
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. (MO)

I am writing to express my growing frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite my diligent efforts to rectify this situation, these fraudulent entries persist, causing severe financial distress and adversely affecting my ability to secure loans and financial opportunities. 

Below, I outline the specific details of the fraudulent items and the numerous attempts I have made to address them : I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items. I have provided all necessary documentation to support my claims, and I have made multiple attempts to rectify this situation. However, my previous efforts have been in vain, and these fraudulent entries continue to inflict significant financial harm and emotional distress upon me. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items and takes immediate action to remove them from my credit report. Additionally, I urge you to implement measures to prevent the recurrence of such inaccuracies on my report in the future. 

I am prepared to cooperate fully and provide any additional information or documentation required to resolve this matter expeditiously. I am asking for your assistance to remove the following fraudulent items immediately : 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 XXXXXX/XX/2023 XXXX