davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (TX)

SPRING OAK LLC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my credit monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$870.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account # : XXXX, Account name : 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 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 2023-08-21
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. (CT)

The Credit Reporting Agency XXXX had access to and knowingly stole my non-public information and furnished a credit report. They are a non-affiliated third party as I have them no written permission to do so
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY!! 15 USC 1681 Section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my express written consent ; under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

Back on XX/XX/XXXX both me and my wife had health issues that sent both to the hospital without health insurance the situation squeezed our saving and a CD with XXXX tha we had, we continuing strangling and by XX/XX/XXXX, we couldn't make no more payment on our mortgage, now we are trying to go back on track since I get a job and my wife is working in our company which it's doing better since XX/XX/XXXX, we don't want to lose our home, for that reason we would like to have the opportunity to re-start the payment and see if we could get any options with the mortgage company for it.
Consumer complaint received 2023-05-26
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. (AR)

I am submitting my complain again for you to notify about the fraudulent items that are still reporting on my credit file. It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items should be deleted right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-19
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. (GA)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-21
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account 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 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 2023-08-21
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. (NY)

The following inquiries on my Trans Union credit report were not authorized by me. Please have them remove asap, as they are adversely affecting me. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX, am verifying that XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2023-11-11
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. (AL)

I recently sent a dispute to Equifax concerning XXXX XXXX XXXX XXXX ) - to delete an account that has exceeded the Date of the First delinquency. The XXXX for this account is XX/XX/2016 ; thus. Now it is XXXX years later, and based on the law, this account has to be deleted. That is the first problem. 

The second problem involves Equifax failing to delete the account- they allowed XXXX XXXX to " re-age '' the account ; thus, it was reported as if the delinquency just happened recently, dropping my credit score XXXX points! A closed account can not be reported as new or re-aged as new. That is another FCRA Violation. 

I am requesting this account be deleted based on XXXX, past the seven-year reporting period, and reporting the account as " re-aged '' and lowering my score.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX charged me a whole olot of times on my account XXXX XXXX supposably took payments and then they got returned but i never saw money in my account. 
XXXX was paid as well by me on there online portal and got returned but never saw at it either on my bank of america account. 
same with XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  purchases with bank of america debit card and just alot of purchases i cant dispute with dispuite center because they even get mad at me because they want to sithere and dispute evrything with me and cant and honestly not enough help and everything gets worst because im in need my self rn im a XXXX XXXX XXXX XXXX  that has no money right now and all these pending issuers are really holding me up. 
because i am a hard worker but this makes me not want to keep working because im afraid my money goes to all the wrong places.and theres records on my bank account for all of this ..so i basically need to get reimbursed really fast because i didnt give my income for workimg hard to the wrong people.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (FL)

The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX  XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX  Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Consumer complaint received 2023-08-21
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. (GA)

I asked the credit bureau to do a verification on my items and they stated everything was accurate and i did a thorough research my self and found that it is still improper inaccuracies on my credit report even after they did a thorough research. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance/ {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} In accordance to the Fair Credit Reporting act XXXX  Account 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

hello, good afternoon. I hope you are well.. I am writing to you because I just applied for a credit card with capital one and they rejected it because it says that my current credit score that you sent is XXXX as of XX/XX/2023 It seems unfair to me because my current credit score is XXXX in XXXX and XXXX in XXXX, due to the report that you made and sent incorrectly, my credit score was denied. Here I have the letter that the bank sent me saying that You sent a credit score that is not mine... I hope you can solve it because this query lowered my credit score and the card was rejected... I will be attentive.. thank you very much
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY (CA)

I have sent number of letters to Target card Services Disputing the account under my name. i asked them to verify the debt by providing me the account opening documents and asked that my credit reporting should be indicating the dispute status from the 30 day period of received mailer. i have only received irrelevant mailers and nothing verifies this is my account according to the fait debt collection practices act including but not limited to section 807-8 and i indicated that the notices that i have send are of same effect as a dispute to the validity of the alleged debt and the a dispute to the validity of their claim purposes of 15 USC 1692 et seq.
Consumer complaint received 2023-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (IL)

In 2017, my FHA mortgage was {$860.00} monthly. My mortgage payments began increasing with no explanation. The mortgage service was XXXX XXXX. After many calls and no answers given, I hired legal counsel. My Attorney, checked my recorded mortgage and found that U.S. Bank had changed my mortgage from FHA to XXXX. This was done without my knowledge, permission or signature. The mortgage increased to {$3500.00}. I could afford the payment but, after finding out what the bank had done, I stopped payments. Knowing my mortgage was FHA, there are Federal rules that have to be followed. The bank did not follow the FHA guidelines. Instead, they chose to start foreclosure proceedings. My Attorney fought this to no avail. The Bank never produced a signed document. Yet without admitting their wrong doing, their excuse was, we are not located in the same state and could not carry out the face to face meeting. If this had taken place, my property would not have been foreclosed and sold at the auction. I now have filed a Federal Law suit against U.S. Bank, XXXX XXXX. Their commitment of Fraud has caused serious harm to me and my family. 
I am filing this complaint at the direction of a Attorney. U.S. Bank has committed Federal Fraud. Also, my property is located in a area that is being gentrified. Very close to the XXXX  XXXX. I know I can't be the only person this has happened to.
Consumer complaint received 2018-04-26
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. (VA)

I filed Ch XXXX bankruptcy on XX/XX/XXXX. I received a discharged from US. Bankruptcy Court XXXX  District of Virginia on XX/XX/XXXX. In my bankruptcy creditors list my attorney submitted to the court included all accounts with XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), in XXXX   VA. XXXX  and XXXX reported my accounts with XXXX XXXX `` this account is included in Ch XXXX bankruptcy '' that is correct. But Equifax reported this same account " charged off {$12000.00} '' and account open date :XX/XX/XXXX ( after bankruptcy discharged date ), type of account is unknown, monthly payment is unknown, high balance is unknown. I disputed this incorrect account reported by Equifax at least 6 times but Equifax never changed the results. My main point is a same account status, XXXX  and XXXX reported correct " this account is included in Ch XXXX bankruptcy ''. Equifax reported " this account charged off with balance of {$12000.00} ). I requires Equifax should change the status of my account to " this account is included in Ch XXXX bankruptcy ''
Consumer complaint received 2023-02-22
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 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 this account ( A ). It is not permissible to fail to validate this reporting account 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 update XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (PA)

I was working for a company named XXXX XXXX XXXX in XXXX XXXX and the company opened a business credit account from XXXX with my name on the card. The company card was used to buy material for jobs, and the bill was never paid by the owners. I never guaranteed the credit card. They stated I was liable because I signed checks for the company. I asked for them to provide evidence that I somehow guaranteed the card and they failed to provide this. 

Given the timetable, I decided not to pursue this legally, because the account and last activity is over 7.5-year-old, yet they keep reporting this to Experian and other credit reporting companies. XXXX ended up charging this off, and that has shown up on my personal credit. 

The account needs to be removed from the credit reporting. They have failed to ever properly address the issue.