davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Consumer complaint received 2023-09-05
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. (NY)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX. 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case PLEASE UPDATE MY ACCOUNTS TO PAID ON TIME & REMOVE ALL NEGATIVE ACCOUNTS
Consumer complaint received 2022-12-23
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-07-20
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. (NJ)

I have not only faxed you but will fax again tomorrow this letter that is attached with thorough information regarding all reports .... this needs to be taken care of immediatley as i am XXXX XXXX and XXXX and need to move asap and this is preventing me from moving closer to my treatment center!
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Last payment was sent in XX/XX/2020 which was right before the pandemic went worldwide, All government offices were closed and I did not have any means to pay since i was out of work for a few months. After I went back to work many government offices were still closed so I waiting until I received a statement or letter from them which never arrived until recently. Now they are charging the wrong amount for non payment. I was owing {$700.00} and now they are charging me {$2000.00}. I do not owe this amount which would have me paying the debt all over again. Please look into this for me since I am not owing the amount they claim. I have no problem paying what I owe but I can not afford to pay the debt again from the beginning amount. They have already collected over {$3000.00} in interest from me XXXX was more than the debt. 
Thank you XXXX XXXX
Consumer complaint received 2022-10-20
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo withdrew {$2000.00} through ACH transfers from my XXXX account on XX/XX/XXXX. 

Where are they? I only have {$1000.00} in my WF accounts. 

I want a written explanation as of how WF can withdraw {$2000.00} on XX/XX/XXXX when 2 accounts were closed on XX/XX/XXXX, and where are the {$2000.00}? ( {$1000.00} currently in my accounts but where are the other {$1000.00}? ). 

This is a simple question.
Consumer complaint received 2022-10-20
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. (NJ)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-11
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX via XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX XXXX XXXXXXXX Request On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX via XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-09-05
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. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-08-15
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: Synovus Bank (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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
Consumer complaint received 2023-04-19
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-19
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. (FL)

these inquiries do not belong to me XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
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. (GA)

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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2022-10-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE ACCOUNTS REPORITNG ON MY CREDIT REPROTS THAT I DID NOT OWN THEY WERE ADDED DURING A CYBER DATA BREACH I NEED ALL THE ACCOUNTS REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2023-09-05
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
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. (GA)

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 Account Number Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX  XXXX ) Bankruptcy ( XXXX  XXXX ) Reference # XXXX 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 a account without my written instructions 15 USC 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 XXXX years. 

15 USC 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 2022-10-19
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. (GA)

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 Account Number Last XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX XXXX ) Bankruptcy ( XXXX  XXXX ) Reference # XXXX 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 a account without my written instructions 15 USC 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 XXXX years. 

15 USC 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 2023-11-11
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (PA)

I want to say bout XX/XX/XXXX, I was going to payoff the loan and they told me I'd have to pay all the interest when if a loan is paid off your not obligated to pay these charges. Mind u I just got income tax and had more then enough to cover it. The guy got an attitude with me and tried to belittle me and I do have a XXXX. Then they proceeded to keep calling me harassing me after I answered and said have an fluient american speaking cause I can't understand other languages or dialects. So I told them they not allowed to call me and I still got calls from the ppl I didn't understand with voicemails for proof. I sent them a demand letter and it got to headquarters and then got even more negligent. The lady calls me i called her leaving numerous voicemails on her company call center and still nothing. Then when I do get ahold of them because I wouldn't give one piece of info they gave me a cease and desist letter. Sorry but I'm suing if your not helping with this flat out breach on many fronts. My credit dropped so bad from it unreal I can't get nothing from these cons. This isn't a company at all.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (NY)

As I was struggling with financial hardship during the pandemic, I reached out to XXXX for financial assistance with my mortgage. 
It seems they ( investor ) had granted me deferment modification on XX/XX/XXXX. I was never told by any of their representatives about this as every time I called and expressed my hardship time after time to follow up on the status of my loan. 
As a result the balance has accumulated for the past 19 months in delinquency. 
I sent them an updated financial package on XX/XX/XXXX with all documents requested asking for help with the delinquent balance and wanting to resume payment as my hardship has ended. 
I am awaiting their decision to resolve the matter through any sort of financial assistance modification, and as a borrower I can once again start making my monthly payments.
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (OH)

The mortgage company platform has used predatory practices to secure me into a mortgage and use methods of credit reporting platforms which were not accurate or updated. The technology was immature and all done virtually which was not verified or authorized. The conventional loan I should have been able to qualify for was denied and I was forced to pay mortgage insurance and a higher mortgage premium instead. The current housing market and economic growth paired with job losses for me have resulted in a total loss of income and apparent opportunity to take a home I have put my life savings into. I have been a victim of a predatory mortgage system in the USA by both the conventional home loan and FHA home loan practices and if forced to give up this home due to job loss and income will continue to cycle of punishment to people like me who are trying to achieve a safe livable environment that I had to jump through incredible hoops to achieve and accomplish. Full loan forgiveness is requested in addition to seeking payment to maintain and improve the property as long as I am living on the property and dwelling.