davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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 XXXXXXXX, 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 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST HAWAIIAN, INC. (HI)

I continue to have issues reading my bank statement.Debit card purchases frequently do not show the business name where the purchase was made and will show a shared address i.e a shopping centre/plaza address for the business. I have brought this to the attention of my bank, who claim it is nothing to do with them, that it must be the businesses.I have approached businesses involved who have checked with their IT people and they say it's nothing to do with their side. I am sick and tired of trying to make lists of addresses of business where I use my card, just so I can check my statement is correct. Is this normal, it never used to be that way until after the bank made updates. 
Example : Pin debt purchase. 
Terminal # XXXX XXXX XXXX XXXX XXXX Hi... ... ... - XXXX Instead of quickly locating the business reciept I now have to hope the reciept has an address on it and that the reciept hasn't faded! 
I have letters from the bank..stating not their issue.I have also had phone calls to customer service when I can't find a matching reciept and ask who the money was paid to... They can't tell either.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (FL)

Earlier in XX/XX/2020 Mr. XXXX XXXX talk to me about refinancing my Mortgage to remove like the PMI. I completed the paper work, the loan was approved and the process was smooth and the expected closing date was before the end of XXXX 2020. I paid almost {$500.00} for the appraisal, when the appraisal came I thought something was wrong and I want to dispute the results. This was the las time I heard from Mr. XXXX XXXX. I send several messages and call him to getthe status of this refinance loan but he never answer back to me. The company never send me any communication of the loan status. The companys name is XXXX XXXX  XXXX. I believe as a consumer I deserve some respect and that respect is through answer to me what happened. I invest almost {$500.00} dollars and it was a waist of money and with the situation with COVID that money is a lot to me
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MN)

On XX/XX/2023, I received an email from Truist telling me there is a problem with my checking account. I have never heard of Truist and have no account with them. When I called the number provided, XXXX, to report there maybe a phishing scam, I needed to provide an account number or ssn in order to report fraud. I have no account THAT I KNOW OF and want to be certain no one opened an account in my name. I refuse to enter ssn to an entity I do not do business with, so they would not take the call. 
So this is twofold : has my identity been used to open a fraudulent account and are they aware of a potential phishing scam in their name? 
Thank you.
Consumer complaint received 2024-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I was late on my mortgage for the month XXXX. I called my bank to tell them Im behind. They put me on a forgivens program were I dont have to pay till XXXX and those 3 months will go on the back of my loan. Then I got documents and there was nothing about it hitting my credit on there.i called and asked if there was a way to take the late payment off they told me no! So all I want is for them to take the late payments off my credit. Bc of that Im down over XXXX point on my credit.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (LA)

On XXXX Speedy Cash reported a Collection/Charge off onto my consumer report as well as a balance of {$400.00}. I requested that the company provide the original agreement but I have yet to receive it.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (IN)

I am a victim of identity theft. I have filed an FTC complaint and have that report. Under the FCRA, I am entitled to the removal of inquiries, accounts and personal information that was a result of identity theft. Equifax is refusing to comply. Equifax claims they can not find my credit report. Equifax claims that I never sent them ID documents. I want the CFPB to enforce my rights. I am including the checklist of items and my identity theft affidavit.
Consumer complaint received 2023-07-17
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: Southwest Recovery Services, Inc. (MN)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Southwest Recovery Services, they did not provide me with the original contract as requested. 
I have contacted both XXXX and XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.
Consumer complaint received 2024-04-23
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: Cascade CISS Holdings, LLC (VA)

I called XXXX XXXX, Xactus-XXXX, Xactus, XXXX Mortgage Servi , Xactus and left messages for them to return my calls. I have no Idea who they are? I did not give my permission for my credit to be ran and I would like them to be deleted immediately off of my credit report please
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Per the FCRA and UCC & 2-302, this collection is attempting to collect on a debt and is not licensed in the state of GA to collect. Secondly I have disputed the alleged debt several times and only notes are added to my credit file. I have requested proof of debt from collection agency and the original creditor.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohls continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however Kohls has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 one day before being 30 days past due. I have also attempted to make my payments online and Kohls blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show Kohls is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over 50 points due to Kohls ' inaccurate reporting.
Consumer complaint received 2022-11-21
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: CLGF Holdco 1, LLC (IL)

XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the e-Oscar, Credit Reporting Agencies ( CRAs ) and Automated Credit Dispute Verification ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

XX/XX/XXXX I deposited a cashier 's check by mobile deposit that someone sent me through the mail. They placed a hold on the check.Then the account was sent to the fraud department because it was found that the check was not real.I thought the check was real.They placed an exceptions hold on the check.The check was returned which made my account negative. It was posted and cleared.The fraud department blocked the account pending their investigation.I received a letter from the fraud department that my account will be closed.I get that.My complaint is that Truist is holding my money.I can not get my money out because I was told they were still investigating.The check has been returned, it is determined that the account is going to be closed.I get that they want to take precautions and cover every nook and cranny before they release my money.That is my money and I want my money.Truist does not have a right to hold my money.They say quote on quote, until the analyst get done to see what they say.I say they have no right to hold my money.That is my money.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX   XX/XX/XXXX Inquiries XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiries I believe that the above items are inaccurate and/or incomplete. 

Regarding the Late Payment Account from XXXX  XXXX, I have never been late on a payment and I have documentation to support this. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the Charge Off Account from XXXX XXXX, I do not have any record of such an account with this institution. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the inquiries from XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX, I do not recall authorizing these companies to pull my credit report. Therefore, I believe that these inquiries are unauthorized and should be removed from my credit report. 

I respectfully request that you investigate these items and make any necessary corrections or deletions to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC (NJ)

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
XXXX XXXXXXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.
Consumer complaint received 2021-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

Have an item on my credit report from company that is not mine.have requested documents and nothing received from company or credit bureau. The credit bureau refuses to allow me the option to upload any documents online. They cont to close with no proof
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

All of my citizenbank accounts were closed without giving me a reason. After the accounts were closed I no longer have online access to the accounts. They told me the accounts have been closed since XX/XX/year> but my sister recently received an automatic check from the bill pay account in a an account that is supposed to be closed. If she cashed that check then it would have bounced since that account is closed.Every time I try to reach someone to make sure that account ending in ( XXXX ) is closed and not doing anything they say they can't access it because the information has been purged from their system. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa XXXX
Consumer complaint received 2023-03-03
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. (GA)

This is my follow-up request to my prior complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX  XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-11-27
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)

To whom it may concern I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor Name : 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 
Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Contacted original creditor they were unable to validate my information under section XXXX My information was accessed with XXXX data breach this account coulda been opened with the result of that breach please seest and assist from contacting and reporting fraudulent account
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I received a notice from my mortgage lender XXXX XXXX XXXX XXXX  XXXX on XXXX XXXX about new servicer for loan. 
The notice stated the effective date of XX/XX/XXXX. The last date my current provider would receive mortgage payments was XX/XX/XXXX. I made my XXXX month payment on XXXX XXXX to avoid delay of payment. 
The US Bank home mortgage now owns loan and has constantly called to inform me the payment is late. On my XXXX statement US Bank stated a late fee may be charged of {$100.00}. 
When I call US Bank the automated customer service toll number does not accept my social or the account number. Not sure that US Bank has even updated my information in the system correctly. 
I have called XXXX XXXX three times asking about monies sent to USBank, XXXX XXXX confirmed monies sent US Bank on XX/XX/XXXX via check. 
In addition XXXX XXXX provided an account history of payments which I emailed to US Bank email address the supervisor provided to me on the call. 
Today XX/XX/XXXX I called USBank for the 5th or 6th time asking for status of pyments applied. The supervisor XXXX XXXX stated that USBank still had not recived proof of payment so I have re sent the PDF document from XXXX XXXX XXXX with pyments processed. XXXX said they will do another inquiry for the payments and advise. This is the second time that US Bank claims to review the proof of payments.