davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX my husband became very ill. I was the primary caregiver and took care of him until he unfortunately passed away XX/XX/XXXX. After that I was impacted by the hurricane and my damage was lower than my deductible so I had to pay out of pocket. Due to these two issues I fell behind in my mortgage. I then began a medical transportation company and as we were growing our clientele the COVID pandemic happened and we had to reorganize our entire operation. I sent a modification package to my lender on XX/XX/XXXX. On XX/XX/XXXX I received an email asking for information regarding a monthly payment to XXXX. XXXX is an insurance policy that I must carry based on the transportation I provide. I sent in the XXXX policy and a letter of explanation. I was also asked to clarify income from a prior review. I sent in a letter of explanation regarding the income. The income was rent that my children were contributing to the household. Since my company is profitable and I no longer need the income, my children are no longer contributing. Although, I sent this in I received another email XX/XX/XXXX asking for the same documents. Again, I sent in the policy, letter of explanation and explained in the email that XXXX is an insurance policy and not a line of credit. On XX/XX/XXXX. The same documents were requested. We again explained, they again asked for the credit line information regarding XXXX. At this point, we would like the lender to read our explanation and put us into underwriting. We are unable to convey to the lender the information they are asking for. XXXX has no credit line, it is not debt. Thank you.
Consumer complaint received 2023-06-22
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. (LA)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
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. (NC)

My name is 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.
Consumer complaint received 2024-03-29
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. (OK)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-30
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. (MI)

I am requesting that the following inaccurate and Fraudulent items be immediately investigated and Deleted. This misleading information in order to show my true credit history. I demand that the following items be re-verified and deleted from my record in the next 4 days I have attached the FTC report along with my SSXXXX and Driver 's License. 

This item do not belong to me. 

XXXX XXXX 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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-25
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. (PA)

Anything you say can, and will be used against you in the court of law. I transmitted via CFPB ( # XXXX ) on XX/XX/22 an invoice and exhibits notifying TransUnion XXXX XXXX XXXX  about the non compliance of the Fair Credit Reporting Act, how it has negatively effected me and caused serious harm from their actions. TransUnion failed to address these problems that were laid out plain and simple, but rather chose to initiate a dispute regarding my name. There was an invoice attached which prescribed a specific time frame to respond accordingly to applicable law which the CRA failed to do. They also violated my rights by disregarding the information transmitted to them of the violation of Section 616 of the Fair Credit Reporting Act. This is the now XXXX complaint against this CRA and they continue to not comply with the regulations of the law. I will now take the initiative to inform TransUnion of my actions of filing a lawsuit for Defamation Of Character for all the false statements you've published, acknowledged, and are now failing to address. I have also attached an XXXX XXXX XXXX XXXX XXXX XXXXXXXX, & the Invoice originally attached.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020 a Check was drafted from my account which brought it to a negative balance. On XX/XX/2020 at XXXX central time I received the email notification that my account balance was lower then {$25.00}. Bank of America had already taken out the overdraft fee of {$35.00} the previous day XX/XX/2020. I received no other notification that my account was low on the day it was negative and didnt have the chance to avoid the {$35.00} fee prior to it being charged. The account is no longer negative as of XX/XX/2020 at XXXX XXXX  central time. I requested that the fee be waived because their notification was a day late in their banking app chat box and didnt receive any assistance beyond a number to call, but Ive had it with their business practices.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Dept. of education is reporting inaccurate information on behalf of my credit report and this company needs to be removed off my credit immediately. All 3 agencies has inaccurate information inaccurate Month ( terms ), payment status, Date late active and credit limit
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (TX)

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I assume that because my mailing address is different than my current address that may have been the issue, but I am not sure. I will include a copy of my ID with the address that matches the letter I submitted regarding the company NCA that is reporting incorrect information to the credit bureaus. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, NCA is reporting that I have a collection with them, and I have never been in communication with this company. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. The first notice was sent XX/XX/22 and the last letter was sent on XX/XX/XXXX. I will include the letter as well as the time stamp. Please conduct a proper investigation and remove this account. Lastly, this collection agency is reporting a different balance than what I have with the original creditor. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Also include a contract bearing my personal signature. My email is XXXX.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

The XXXX XXXX XXXX in XXXX XXXX has recently sent a garnishment to my employer. The garnishment is for an XXXX store card in which I never had or applied for. Now i have contacted all 3 Credit agencies and this store card was no where to be found on my credit report. I also contacted XXXXXXXX XXXX which owns the XXXX XXXX card and reported this as fraudulent. The XXXX XXXX XXXX has not had good standings with the XXXX  and most of the bad complaints are like mine in that the XXXX XXXX XXXX is persecuting people for debts not really owed. 

XXXXXXXX XXXX  did tell me the card was taken out in my name and is investigation th allegation, when i tried to receive help from the XXXX XXXX XXXX it fell on deaf ears and they were extremely rude. Ponzi scheme if you ask me
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (NJ)

Receivables Performance has put a damaging report on my credit report on behalf of XXXX for {$2600.00} in XX/XX/XXXX. I have reached out to Receivables Performance at their phone number and was told they have no record of this in their system, and thus asked me to pursue with XXXX. I have filed several disputes through XXXX and the latest results were this : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
If our reinvestigation has not resolved your dispute. 

The negative report remains, and I believe I am out of options to pursue this through either Receivables Performance or XXXX. Can you please help? 

FYI- I do not and never have had an account with XXXX. 

This is the full information from the XXXX report : Account name RECEIVABLES PERFORMANCE Account number XXXX Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXXXXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$2600.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Your statement Y ITEM DISPUTED BY CONSUMER Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-11-15
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$230.00}.
Consumer complaint received 2023-01-04
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: Amsher Collection Services, Inc. (FL)

Negative items showing on my reports. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amsher collections, XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$230.00}.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (PA)

On XX/XX/22 in the afternoon I got an email from PayPal of an invoice XXXX for a XXXX subscription. I called the number in the said invoice and I was answered by XXXX XXXX and he said that someone made a credit card under my name in Venmo. He made me go to a XXXXXXXX XXXX XXXXXXXX and I was putting my personal info there such as driver license, address, SSN and debit card info. I did not verify if he was PayPal staff helping me block unauthorized transactions against me. He made download an app XXXX  into my XXXX while we were doing this. He made sent sent some payments and he said it is to block the charges to my card. I have no service nor products needed from XXXX. 

At the end of our conversation, I locked my debit card and credit card as I began to realized that I have given my personal information to someone I did not know personally or trust. 

I then in the morning received a message from from my bank that a transaction from XXXX was made against my debit card and that it was denied. I realized that I was scammed. I canceled my debit card from my bank and also my credit card. I canceled PayPal account too. Venmo sent me a message that they froze my account due to questionable translation.
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. (GA)

My name is 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 2024-03-30
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.