davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

I recently conducted a ANNUAL review of my Credit Reports. I noticed a HARD INQUIRY, by XXXX XXXX XXXX, on my EXPERIAN Credit Report ( See Attached ). I called XXXX XXXX XXXX and they said they are PART OF EXPERIAN, and they did a HARD INQUIRY on my Experian Credit Report because of a Payday Loan I applied for in XXXX 2018. I have never heard of XXXX XXXX XXXX, and when did Payday Loan companies start doing HARD INQUIRES on applicants ' Credit Reports?! I asked XXXX XXXX XXXX to mail me a copy of the Payday Loan Application that I signed consenting to a Consumer Credit Report Inquirythey sent a packet of worthless paperwork, but they did not send the documentation that I asked for.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I understand that I had an outstanding balance that was gon na be fulfilled with a pay period payment to my business account, but they took funds from a new checking account that I opened specifically so they would not take funds from any of my accounts to satisfy a negative balance The total amount they took was around {$200.00}. This inconveniences me because I had plans to send the money to another company that I had owed this money to They didnt tell me that this was gon na happen. They didnt ask me if they could do this. They just did it without my consent.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC (IL)

Specialized Loan Servicing LLC continues to send me letters on Important Notice under the Homeowners Protection Act for Borrowers with PMI. These letters advise on my rights to cancel and i meet all the requirements under the law. I sent a written request for cancellation on XXXX XXXX, XXXX and as per the organization they claimed they responded to my letter in XXXX that the request was denied and sent a letter to which i have never received to this date. I am in an active XXXX XXXX XXXX that started in XX/XX/XXXX and will soon be discharged in XX/XX/XXXX. The amount due to this company was {$5300.00} and the trustee paid this off in full. This organization was the first one to be paid in full before any of the others as part of my monthly bankruptcy payment. I have made my monthly mortage payment every month and the next payment due is XX/XX/XXXX which i typically always pay by the XXXX. They told me on XX/XX/XXXX the reason i couldnt cancel was because my account was delinquent and they also said it was because they haven't received any of the XXXX from the trustee which is not true according to the ledger that includes the date, the claim #, check # and amounts. I have contacted this company at least XXXX and each time somebody gives me different information and when reaching out to my bankruptcy attorney to seek counsel he advised me the only thing they can think of is if i was behind on my mortgage payment either pre or post petition. I am not behind and would like help trying to resolve this matter. My principal balance dropped below 80 % of the home 's original value over 12 months ago and also provided proof to the organization in my written letter the value of my property has not declined below the orginal value in fact it increased.
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: EQUIFAX, INC. (CA)

I recently 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. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of my letter. ( No investigation done ) My letters attached.
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. (CA)

I recently 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. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of my letter. ( No investigation done ) My letters attached.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

TODAY DATE XX/XX/XXXX Experian credit bureau XXXX XXXX XXXX XXXX Account number XXXX CREDITOR bankruptcy XXXX XXXX  According to FCRA SECTION 611 I AM DISTRESSED THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE. YOU HAVE FAILED TO OBTAIN/ MAINTAIN REASONBALE PROCEDURE 'S IN YOUR OPERATION THAT ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORT YOU PUBLISH. 

PROVIDE FULL DESCRIPTION OF THE PROCEDURE USED TO DETERMINE ACCURACY AND COMPLETENESS. CREDIT REPORTING LAW 'S ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT. 

THE FOLLOWING INFORMATION, THEREFORE NEEDS TO BE RE-INVESTIGATED. I RESPECTFULLY REQUEST TO BE PROVIDED PROOF OF THE ALLEGED ITEM. SPECIFICALLY THE " CONTRACT '', NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE. 

FAILING THAT, THE ITEM MUST BE DELETED FROM THE REPORT AS SOON POSSIBLE. 


SERIOUS ERROR IN YOUR REPORTING. 
PLEASE DELETE THIS MISPLEADING INFORMATION, AND SUPPLY A CORRECT CREDIT PROFILE TO ALL CREDITOR 'S, WHO HAVE RECEIVED A COPY WITHIN THE LAST 6 MONTHS, OR LAST 2 YEARS FOR EMPLOYMENT PURPOSES. 

ADDITIONALLY, PLEASE PROVIDE THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH CREDIT GRANTIOR OR OTHER SUBSCRIBER. 

UNDER FEDERAL LAW, YOU HAVE THIRTY ( 30 DAYS ) TO COMPLETE YOUR REINVESTIGATION. BE ADVISED THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEREBY REQUESTED AS WELL, TO BE PROVIDED WITHIN FIFTEEN ( 15 DAYS ) OF THE COMPLETION OF YOUR REINVESTIGATION. 

THIS SAME LETTER HAS ALSO BEEN ISSUED TO THE ATTORNEY GENERAL, DUE TO THIS IS THE 2 REINVESTIGATION, WITH EXPERIAN, NO PROOF OF CONTRACT OR NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE HAS BEEN PROVIDED. 

ATTORNEY GENERAL HAS ISSUED A LETTER HEAD TO CREDITOR THAT YOU HAVE LISTED, FOR PROOF OF SIGNATURE NO PROOF PROVIDED. 30 DAYS REINVESTIGATE AND 15 DAYS TO GIVE PROOF. NEXT LEGAL ACTION ACCORDING TO FCRA LAW. 

30 DAYS FROM NOW WILL BE XX/XX/XXXX, do not provide me with a automatic reinvestigation letter, requesting a copy of contract, or noter with my signature. 





THANK YOU XXXX XXXX XXXX XXXX XXXX, VA 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX 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
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. (MN)

My personal information was exposed on line around XXXX XXXX XXXX. there was multiple fraudulent accounts. that was opened or attempted to be open. after filing police reports and identity theft reports. i was able to clear most of the fraudulent accounts up. form the consumer reporting agencies. but trans union llc XXXX XXXX is refusing to remove XXXX of the hard inquires that was unauthorized and fraudulent. with many attempts to clear this up. they are still refusing.
Consumer complaint received 2022-12-12
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

Their online banking, mobile app and telephone banking system have been down for over a week. 
Tried calling two branches ; at one they would not answer the phone, it just rang and at the other they put me on hold and never came back. 
This is not the first time this has happened. 
Luckily due to some other problems with them, I don't keep much money in their bank anymore. 
I do worry about everyone else. 
There is something very wrong with this BMO Harris Bank 's operations.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX 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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-19
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. (TN)

Personal Statement : I the consumer XXXX XXXX XXXX have took it upon myself to grow my small business into a larger scale operation with corporate entities and to do so I must have respectable credit. In lue of my findings I have noticed two accounts that have been fradulent. I request in a timely manner this be released from my consumer credit report for it has become a great harm to my asperations of growing into the corporate business my family and I deserve. Thank you
Consumer complaint received 2022-10-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (FL)

Company is trying exacerbate the amount of debt I owe. Claiming I owe over {$300.00} in interest on a {$160.00} balance of a card that is not even 6 months old. I offered to pay the balance of the card of {$160.00} and they still want me to pay ridiculous amounts of interest.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (DE)

I have called and requested a hardship withdrawal letter from Nationstar mortgage on  XXXX   XXXX . The company told me that the letter would be generated in  2-3 b usiness days and sent to me via postal mail and email. I followed up with phone calls  XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX  asking if the letter had been generated and made available for me to pass along to m y 401 (  k ) account holder so that my payment can be made by  XXXX   XXXX , or I would have to ask for another hardship withdrawal letter for a different amount for the month of  XXXX  or possibly lose my house. The company responded each time to my follow up calls stating that the letter should be generated i n 24  hours and would be available the next day. I called today,  XXXX   XXXX , and the representative is telling me that the letter was n't requested until  XXXX   XXXX . Nationstar seems unmotivated to allowing me to resolve my past due payments and seems as though they would rather my mortgage go into foreclosure.
Consumer complaint received 2024-03-21
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. (OH)

Upon reviewing my credit reports, I've discovered an anomaly regarding a late payment recorded on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the months of XX/XX/year> and XX/XX/year>. It's important to note that I have consistently maintained timely payments on this account. Attached are screenshots illustrating the discrepancy. 

I kindly request a thorough investigation to provide evidence substantiating the alleged late payment. In the absence of such evidence, I urge that the late payment status be promptly rectified to reflect " paid as agreed on time. '' It's imperative to acknowledge that I have never missed a payment deadline. 

Your prompt attention to this matter is greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2018-12-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Home purchased XX/XX/XXXX with adequate insurance for mortgage company. Mortgage company sold mortgage to wells fargo in XX/XX/XXXX. Wind only coverage provider cancelled policy XX/XX/XXXX. Home still covered by Insurance that is adequate to the latest legal document signed ( XXXX Closing Mortgage Document Page 6 and 7 Section 5 ) XX/XX/XXXX Wells Fargo notifies that Wind is now required, I immediatly add coverage effective 2 days after letter received, yet was charged force placed insurance backdated to XX/XX/XXXX. 

They refused to refund the force placed insurance despite acknowledging that there was no notification ever sent out that coverage was ineadequate until XX/XX/XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 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. (MO)

Ive sent disputes to experian and XXXX XXXX to asked them to delete my 2 bankruptcies off my credit since I contacted XXXX XXXX and the courts and XXXX  XXXX have deleted the bankruptcies off my credit and the courts dont report to the credit reports so they need to be deleted per XXXX 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

n accordance with the Fair CrediXXXX & XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$730.00} XXXX XXXX XXXX Opened XXXX {$1200.00} 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX