davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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)

On XX/XX/2023, Transunion fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Transunion ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-05
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020 it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (CA)

These following account, inquiries and personal information are all incorrect Please delete. 
collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute incorrect information present on my credit file, specifically regarding an inaccurate addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, XXXX, XXXX, XXXX ) associated with my credit history. I have taken all appropriate steps to address this matter directly with the relevant credit reporting agencies and the furnisher of the information, yet the error persists. 

I have attached supporting documentation clearly displays my accurate address, such as a copy of my driver 's license, utility bills, and bank statements. It is crucial that this error be rectified promptly, as an incorrect address on my credit file not only affects my creditworthiness but also poses potential risks to my personal and financial information. 

I kindly request that you initiate an investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of my address through reliable sources and update my credit file accordingly. Furthermore, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of maintaining accurate credit information and appreciate your efforts to resolve this matter promptly. I am committed to ensuring the accuracy and integrity of my credit history and will provide any additional information or documentation that may be required to facilitate the investigation process.
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (NV)

I did get a loan from XXXX XXXX in XX/XX/XXXX of XXXX. That hard inquiry is valid, however the other two from XX/XX/XXXX and XX/XX/XXXX of XXXX are not. 
I did get a loan from XXXX on XX/XX/XXXX of XXXX and did pay it off, but the hard inquiry from XX/XX/XXXX is not XXXX I made. 
XXXX XXXX hard inquiry is not one I made. 
The XXXX hard inquires on XX/XX/XXXX and XX/XX/XXXX are not ones I made. 
The XXXX XXXX XXXX XXXX hard inquiry from XXXX XXXX is not one I made. 
The XXXX XXXX XXXX XXXX from XX/XX/XXXX hard inquiry is not one I made. 
The XXXX XXXX from XX/XX/XXXX is not one I made.
Consumer complaint received 2023-12-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (TN)

I have disputed this alleged debt with Account XXXX XXXX I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Consumer complaint received 2024-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (WA)

XX/XX/year> I contacted Phoenix Financial to dispute this debt. XXXX said no problem and charged {$1.00} on my debit card. Then she said she could get it removed and wanted to charge my debit card {$270.00}. This is not my debt. There's no paperwork with my signature. No documentation yet they want {$270.00}. This is criminal. I want this removed. This debt only appears on XXXX credit site. I refused to pay the {$270.00}. XXXX said I need to file a police report. I called and the police said they don't have time to take these kinds of reports due to real crimes taking place.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

It appears to have started back on XX/XX/23 with an unauthorized ATM withdrawal of {$500.00}. From that date until approximately XX/XX/23 there have been multiple unauthorized ATM withdrawals from both my checking and savings accounts until both were drained and or overdrawn. 

During this period I did not receive any bank statements that would have made me aware of this situation either. In early XXXX, I discovered that my ATM card was lost and reported it. I received a new one but somehow the unauthorized withdrawals began again without my knowledge. 

It appears as though I am a victim of a cloned card or a skimmer of some sort. As a result, I have lost approximately $ XXXX {$35000.00} between both accounts and nothing was flagged by the bank. A scan through my account history would show that I have never had many ATM withdrawals throughout my long history with my bank.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I did get a loan from XXXX XXXX in XX/XX/XXXX of XXXX. That hard inquiry is valid, however the other two from XX/XX/XXXX and XX/XX/XXXX of XXXX are not. 
I did get a loan from XXXX on XX/XX/XXXX of XXXX and did pay it off, but the hard inquiry from XX/XX/XXXX is not one I made. 
XXXX XXXX hard inquiry is not one I made. 
The XXXX hard inquires on XX/XX/XXXX and XX/XX/XXXX are not ones I made. 
The XXXX XXXX XXXX XXXX hard inquiry from XXXX XXXX is not one I made. 
The XXXX XXXX XXXX XXXX from XX/XX/XXXX hard inquiry is not one I made. 
The XXXX XXXX from XX/XX/XXXX is not one I made.
Consumer complaint received 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

Flagstar mortgage has my XX/XX/2023 payment listed on my credit report is 30 to 59 days late. Ive contacted them multiple times Ive sent them multiple factors I filled out their credit dispute form. I have a copy of the letter showing that I was approved for the HAF housing assistance program through the government. The government even gave them payments Yet they still reported negatively to my credit. This government program has a stipulation in there that mortgage companies can not report negatively to the credit if a person is approved for this program because sometimes HAF takes a while to actually distribute the payment. They did get the payment, but they reported to my credit and they are refusing to remove that late payment off of there. It says the servicer must waive all late charges, fees and penalties and may not report it to the credit report. Im not working right now and theyre negative report lowered my credit score which is causing credit companies to reduce my credit limit its messed up.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (NC)

I requested the following accounts to be investigated on my credit reports for accuracy and validation. XXXX XXXX XXXX XXXX These accounts have several errors and need to be deleted under the FCRA Laws requiring accurate reporting by all the bureaus and companies reporting this information. As you can see in the attached documents all the data that is not reporting accurately according to the FCRA and the FDCPA.
Consumer complaint received 2023-11-09
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: AMERISAVE MORTGAGE CORPORATION (NC)

I requested the following accounts to be investigated on my credit reports for accuracy and validation. XXXX XXXX XXXX XXXX. These accounts have several errors and need to be deleted under the FCRA Laws requiring accurate reporting by all the bureaus and companies reporting this information. As you can see in the attached documents all the data that is not reporting accurately according to the FCRA and the FDCPA.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (PA)

I have had my American Express platinum credit card for seven years since XX/XX/2013 and I have not had a credit limit increase also this card is a charge card and I feel like that I was not giving any ample opportunity to have a raise and credit increase this account like I said is a charge card and there is not supposed to be a credit limit on this card I use this card for all of my purchases for everything that I buy for myself or anything in life and I feel like that I am not getting treated as well as other patrons that are out there that have this card also with the American Express platinum card I pay an annual fee of {$550.00} which uses up most of my credit limit the credit limit that is On my account is a {$900.00} credit limit I think and feel that it is so unfair to have this type of credit limit and I feel that I am miss treated as a American Express member
Consumer complaint received 2023-11-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc. (NY)

In XX/XX/2021 finance beyond finance consolidated company the call and they said they had settlement with XXXX XXXX XXXX from the of # XXXX the I own they got a settlement for the amount of {$6000.00} to pay in 18 month for a monthly payment of {$350.00}, I pay all the money and now a few days ago from XXXX XXXX XXXXXXXX says that they reinstall the account back because I didn't pay the settlement and that's not true because finance beyond withdrawals from my checking account twice a month XXXX. 
Now I don't know what to do. please help me with this situation. The answered the I get from beyond was that they have to pay themself first {$5400.00} from the {$6300.00} the I paid then.
Consumer complaint received 2022-10-21
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. (NV)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/2023 my email and password was hacked. The thief used this email/password combination to attempt access to all my accounts ( social media, banks, etc ). I was alerted to this due to the multiple two factor authentication texts and emails I received in the morning. The thief was able to access my XXXX and XXXX accounts and make two purchases on XXXX. I immediately called Chase Bank to report fraud on the two Chase credit cards which were stored on my XXXX XXXX XXXX accounts and I was issued new cards. The first purchase was disputed and resolved after a CFPB complaint ( XXXX ) in which Chase first pushed back against. On XX/XX/XXXX, nearly XXXX months since I reported the fraud, I received another letter from Chase informing me I am responsible for the second fraudulent transaction of {$180.00} for the same reasons why they kept pushing back on the first fraudulent transaction. They cited because I previously made a purchase with XXXX on this card and the purchase was made from my account ( which was hacked ), that the transaction was valid. They once again ignored the fact that I immediately reported fraud charges and provided evidence previously to show my accounts were hacked. This situation is identical to the case in which I was not liable, only on a different credit card stored on one XXXX account.
Consumer complaint received 2020-07-28
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Dear Champion Mortgage Customer Support, This office represents XXXX XXXX XXXX, surviving spouse of XXXX XXXX. XXXX XXXX received the enclosed correspondence, implying that she is required to select an offered option in order to retain her home. 
This matter has already been litigated to a Final Judgment in her favor, enclosed. As such, correspondence such as this borders on harassment and unfair and deceptive trade practices. 
You are hereby ordered to cease such threatening contact immediately. If further intimidating correspondence, such as the enclosed options letter, is received by XXXX XXXX, she will proceed with filing a CFPB complaint and all other legal alternatives.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MA)

My student loans were transferred between loan servicers from Nelnet to XXXX over a year ago. When this happened, XXXX began reporting my student both from Nelnet and XXXX, resulting in my balance showing as double. I owe over {$400000.00} and now its showing over {$800000.00} and will likely hurt my chances of buying a house in the near future. The other credit bureaus are accurately reporting my loans so this must be a problem with XXXX. 

Ive disputed this with XXXX 3 times over the past year, and each time XXXX says the dispute has been resolved without fixing it. Nelnet told me they stopped reporting my balance to XXXX a year ago and theres nothing they can do. Please help. I dont know what else to do.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXXXXXXBalance : {$1000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MT)

This is in regards to Shellpoint Mortgage Servicing and their attempt to charge us for insurance on a property address where we do not and have never lived at. They have our XXXX XXXX XXXX  information for our current address and location of our mobile home. We have never lived at the address that Shellpoint has provided. After several attempts, Shellpoint refuses to change our physical address. Thank you for looking into this matter.
Consumer complaint received 2023-08-09
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 : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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 2023-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CT)

LVNV FUNDING WITH ACCOUNT # ( 1 ) XXXX Opened on the XX/XX/2022 with a balance of {$2000.00}. 

Account # ( 2 ) XXXX with a balance of {$2700.00}. 

The two accounts above was opened fraudulent I never had a contract with LVNV FUNDING for any loan I never heard of this company until I checked my credit report just to see the damages that they have left on my credit report. This company had made my life stressful, financially and emotionally. Non disclosure without consent is IDENTITY THEFT, this is a volition of the LAW therefore I'm asking LVNV FUNDING to delete this fraudulent account from my credit report. 
I am asking LVNV FUNDING to provide me a signed copy of a contract that I owned them for any loan, and mail it certified to my address.
Consumer complaint received 2023-08-09
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 : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : 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.