davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (NC)

Previous complaint # XXXX XX/XX/2023 XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX box XXXX XXXX XXXX XXXX  XXXX Re : Method of Verification Certified mail receipt # XXXX Pursuant to 1629 ( g ), I am requesting the method of verification for the following disputed account ( s ) : XXXX. XXXX XXXX # XXXX # XXXX XXXX. XXXX XXXX  XXXX, # XXXX, # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards, XXXX XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (LA)

I requested a HAMP Modification to my mortgage in   XXXX   from  Flagstar Ban k. I worked through the difficult process of sending required documents that were lost and did not receive communication back. I was uncertain of  Flagstar  ability to process the loan so after 4 months of no progress, I sent in a mortgage payment. I sent two mortgage payments to  Flagstar  and both were sent back to me b y Flagstar. I  continued with process and began emailing any staff at Flagstar regrading by modification. My complaint is that I was just informed by my current mortgage lender,  XXXX   XXXX , that  Flagstar  did process my modification under  HAMP  after I asked for a Payoff quote. It appears that since my interest was n't lowered, years added to loan for a total of 40 years, and deferred principal amount of {$26000.00}, Flagstar merely completed a streamline loan modification. Therefore, my loan was n't a HAMP as I intended and the deferred principal was n't forgiven.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These were a corporate accounts and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX, XXXX and Transunion Credit bureaus are willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove these fraudulent accounts immediately. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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


Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number:XXXX** Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX EXPERIAN - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-06-01
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. (NJ)

I value you setting aside some information to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Equifax credit bureau to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX : {$170.00}
Consumer complaint received 2023-03-24
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. (MS)

When I investigated my credit report, I see that the account was erroneous. Experian and XXXX are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (PA)

I noticed that there were several inquiries on my report that I do not recognize and did not authorize. There are all listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (IL)

In early XXXX ofXX/XX/XXXX, I tried to XXXX some money to a friend from my personal BMO Harris checking account and got the following error message : " For security reasons, we've restricted your access to this service. Call ( XXXX ) XXXX to resolve the issue. '' I called that number and the bank 's main Customer Service number and spoke to five different people over the course of the past three weeks. One of the first reps I spoke to told me that my XXXX account had been frozen but couldn't tell me why. I elevated the situation and eventually talked to someone who said that there is a pending fraud charge against my XXXX account related to a XXXX transfer from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX was a prospective tenant who was applying for a vacancy in one of my rental units and sent the {$100.00} to pay for the application fees for her and her roommate. She did not get the apartment and she probably filed a fraud charge against me to get her money back. I have never gotten a phone call or email from anyone at BMO Harris Bank about why my account was frozen, is still frozen, who's working on a resolution, what the status of that resolution is. Every time I call, someone puts more " notes in the system '' and tells me I should be hearing something soon. I need your help to resolve this.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report
Consumer complaint received 2023-05-24
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. (TN)

I have sent the credit reporting agencies and collection agencies many letters in XXXX and XXXX of 2023 to give me written notice regarding my debit. The credit report agency sent me a free copy of my credit report and thats all and the collection agencies never responded. Both agencies are in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debit and all refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as a American Citizen.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer.
Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (MI)

Allied Business Group ( also calls me under the name of XXXX XXXX ) sent a debt collection letter giving me until XX/XX/22 to dispute. The supposed debt amount is {$1700.00}. 

I sent a notarized debt validation request letter on XX/XX/22 via USPS Priority Mail requesting validation amongst other things, and requested they do NOT contact me via phone until validation is sent to me. According to tracking it was delivered to the correct address XX/XX/22. 

They have persistently called and texted under these two names ( same phone number ) and failed to provide validation of this supposed debt within 30 days, or at all.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I do not think it is fair that a bank should charge us a fee for cashing a check that is drawn on their Bank regardless of whether we have a relationship with their bank or not why should they be allowed to take money from us just because we do n't have an account with their Bank. If the check is drawn on their bank they should cash it with no fees to the person cashing the check. Bank of America wants to charge me {$8.00} for cashing a check that is drawn on their Bank because I do n't have a bank account at their Bank or relationship with them I find this ridiculous and totally unfair why should I give them {$8.00} of my money because I do n't have an account at their Bank what the check is going to bounce and they 're going to have to take it out of my account which is not written on which the check is not written on my account not fair they should not be allowed to charge me anything if the check is drawn on their Bank.
Consumer complaint received 2023-05-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (IL)

Yes I noticed its an account on my credit that is fraud I recently got my social security stole in the mail. The amount is {$2000.00} dollars saying from durvea on my credit report please its causing me stress and anxiety I would like this removed.
Consumer complaint received 2023-06-01
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)

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (PA)

I am a natural person. I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be excused and removed because according to 15 USC 1681 : I have a right to privacy and I did not give Equifax permission to furnish these accounts.
Consumer complaint received 2023-04-08
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. (FL)

My identity was stolen and these fraudulent account were opened in my name. 
I have reported the identity theft and attched the filing documnets to this complaint. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-28
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings (TX)

lender kept charging double the amount and on the wrong day. They did this three times so I had to block them from my bank. The refused to resolve the issues of overdrafts on my account because of this so I refused to pay them anymore money. Now they are threatening me.
Consumer complaint received 2024-03-02
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: Experian Information Solutions Inc. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-10-08
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: EQUIFAX, INC. (CA)

I submitted information to Equifax and they still have not removed these items, These accounts were opened with out my knowledge I made a police report with my local police department and they have still not deleted these accounts for XXXX  XXXX XXXX :XXXX XXXX XXXX XXXX :XXXX
Consumer complaint received 2018-03-13
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc (FL)

XXXX XXXX from Williams and Fudge XXXX XXXX XXXX XXXX SC XXXX XXXX I have been repeatedly harassed after asking them to stop calling. They called my employer on XX/XX/18 at XXXX XXXX 

They have never sent paperwork to me.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I have several concerns with this preditoral company. the first thing is that this company adjusted my escrow amount and i was never notified concerning that. I had been paying my original amount for mortgage and didnt know that the escrow had increased which caused my payment to increase. Once receiving a copy of my credit report i saw i was being reported late by Ocwen. To find out what they were doing was taking what i was paying holding part and applying the rest to the escrow difference so it looks like that i am not paying my mortgage on time. I tried to do a VA re-finance last month and they had reported me late and i wasnt late so the finance company pulled out. I paid my mortgage on  XXXX / XXXX /   17  and they said I paid it  XXXX /17/ I have the receipt from when i paid this. This company is thief. I need help in this matter. I even asked them since i never knew that the escrow switched before hand wont you just apply the escrow difference to the end of the loan. They keep saying we need to talk with the loan investor. Never got and answer. All these items above have dinged my credit and it has hindered me in doing personal things in my life. if you check my payment history I always paid on time according to what i knew.