davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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)

Problem with a credit reporting company 's investigation into an existing problem I was a victim of fraud I told them to investigate and I showed them proof, they didnt fix nothing they sent me a letter to stall in order to buy time and nothing was changed
Consumer complaint received 2022-04-20
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. (OH)

I sent a XXXX letter to Experian asking for original documentation of verification of 5 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was recieved on XX/XX/2022. I never received a response within the 30 days, and still have not received any proof or response about my request.On XX/XX/XXXX, I wrote another letter through certified mail, stating that I never received a response and that they were to remove the 5 listed items on my credit report since they were in violation of the FCRA. Today is XX/XX/XXXX, and none of those items have been deleted and I still have not received a response from experian.
Consumer complaint received 2023-03-01
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: PRESTIGE FINANCIAL SERVICES INC (MD)

I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically Prestige Financial as the company entitled to enforce this reporting to my credit. 
Company : Prestige Financial Account Number : XXXX Prestige Financial Services XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : XXXX. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
XXXX. Provide a certified copy of all information related to the XXXX XXXX and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

there is old or wrong information in my employer and location, and wrong name, and Ssn. 
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. 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 2023-03-15
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 crime which antedates the report by more than sever 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 information is inaccurate.
Consumer complaint received 2023-09-13
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: SYNCHRONY FINANCIAL (MD)

Robo calls after XXXX continues no one there this is an attempt to collect debt. Did talk to collector theatened i could lose my job. This so called debt a lost or stolen credit card was reported to sheriif and gov site identy theft. I talked to pay pal i talked to ban corp as money was taken from my checking and purchase i did not make were used illegally when my cards were stolen from my glove compartment my bank notified me and my checking mastercard debit pay frozen. the credit card when i got my statement showed XXXX dollars in illegal charges this i talked to loss and theft it was reveresed 11 months later a 3rd party bought this account is taking me to court Case Number XXXX District Court of Maryland XXXX XXXX Synchrony Bank XXXX XXXX XXXX . XXXX says I have no balance card lost or stolen. In addition i have had phone calls from robos. Can you help. 12 months ago i went throught the nightmare of identy theft and fraud now it has come right back. phone XXXX Federal Trade Commision identy theft filed XX/XX/2021 about Synchrony Bank Lawyer XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX Maryland XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX age XXXX on social security, i am a XXXX XXXX  state of maryland work part time as a XXXX XXXX  licensed with XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
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)

Im having problems with XXXX XXXX credit card and the credit reporting companies reporting my balance and payment history. Im missing approximately XXXX missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by XXXX XXXX.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (FL)

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 1681has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing the incorrect items listed on my credit report that are not follow the FCRA. This has been an ongoing issue that ive reported as identity theft an needs to be updated on my credit report. none of the information listed has been validated or correct on all 3 credits profiles. please delete an remove all listed items in the files asap.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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. (DE)

EXPERIAN has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report XXXX XXXX XXXX has failed to provide proof of any contracts bearing my signature as well as EXPERIAN has failed and violated the law and my rights to update account status to investigation status 1 ) XXXX XXXX XXXX acct # XXXX -- -remove acct inaccurate reporting 2 ) XXXXXXXX XXXX acct # XXXX -remove acct inaccurate reporting 3 ) XXXX XXXX XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act 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 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 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX COMPANY Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-16
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. (PA)

Fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXXXXXX XXXX  {$620.00} XXXX. XXXX XXXX {$620.00} XXXX. Pa Child Support XXXX {$1100.00} XXXX. XXXX {$1300.00}
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

This is a follow up on the original complaint number : OMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE LOAN NUMBER ; XXXX ( SPECIALIZED LOAN SERVICING ) INVESTOR ( XXXX XXXX ) According to the servicer the investor listed on the mortgage note is XXXX XXXX XXXX 
XXXX XXXX has denied that they are the investor and the loan is serviced by Specialized Loan Servicing. 
1. According to Specialized Loans Servicing, XXXX XXXX does not allow a recast on this loan. XXXX XXXX has repeatedly stated they are not aware of this guideline. 
2. Specialized Loan Servicing took a payment on XX/XX/XXXX for the month of XXXX, XXXX stating that payment will allow the loan to be setup for a bi weekly payment. 
On XX/XX/XXXX XXXX the servicer request a payment be made and applied towards XX/XX/XXXX mortgage payment at which stage a bi weekly payment will be allowed. 
At this point they have taken two payments and they are not able to setup a bi weekly payment for the month of XXXX  on the account.
Consumer complaint received 2022-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

In XX/XX/2022, my mortgage was paid a head, due for XX/XX/2022. My monthly mortgage payment is {$1200.00} of which {$320.00} is escrowed for my homeowners insurance and property taxes. All payments are sent electronically as a bill pays from my bank to PHH mortgage. On XX/XX/2022, I electronically sent a mortgage payment for {$1500.00} and a second principal only payment in the amount of {$7500.00}. 

I was paid a head so after the {$1500.00} was posted I was due for XX/XX/2022 payment BUT PHH took the liberty of taking {$1200.00} and posted as a payment so I was due for XX/XX/2022. When I called they said it could take 7-10 days to correct their posting error. Finally on the tenth day I call and there was no record supposedly of my call requesting thats the reverse the XXXX payment and apply to principal only. This was on XXXX XXXX when I was told it could take another 7-10 days. I dont have a lot of money but gathered enough to pay my balance according to their records of {$6500.00}. 
On XXXX XXXX my additional {$1200.00} was posted. On XXXX XXXX I sent {$7000.00} and refused to pay them {$30.00} to get a payoff figure. Today, XX/XX/2022 they received {$7000.00} and placed all of the funds in a Suspense Account. Please help me with this company they accept funds and then post the money where they want to and not by the borrower/customer request. 

THank you XXXX and XXXX XXXX
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (IN)

Account # XXXX On XX/XX/2022, I entered a verbal agreemnt with Global Lending Services that would extend our loan, cease repossession and our payments would resume on XX/XX/2022. I then signed a written form of the agreement and mailed it to GLS the next day. The aggreement was made directly with their VP of Collections, XXXX XXXX. 

This morning I woke to find that GLS had repossessed the vehicle anyways.
Consumer complaint received 2022-09-30
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. (CA)

XXXX XXXX XXXX Last 4 of Social Security : XXXX XX/XX/1993 XXXX XXXX XXXX XXXX, CA XXXX XXXX These accounts have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 



ACCOUNTS : XXXX XXXXXXXX XXXX {$4200.00} XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$550.00} XXXX XXXXXXXX {$1100.00} XXXX  XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX  {$480.00} XXXX XXXX {$180.00}
Consumer complaint received 2024-03-15
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. (MI)

To all the credit berau TRANSUNION XXXX AND XXXX, recently they have been into a settlement for doing all this kind of fraud by not removing information that is not mine of my credit report as this inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All this inquiries are fraudulently done and needs to be removed of my credit report
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

My wallet was lost and chase bank told me that the charges where valid and they can not help me to contacted the merchant because my claim is denied for no exact reason I called 10times to try and get it fixed with no help from them
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

XXXX has violated both the Equal Credit Opportunity Act ( ECOA ) for failing to provide required credit denial information, and has violated the Fair Credit and Reporting Act ( FCRA ) for a failed reasonable investigation and identity theft credit inquiry removal. I am the victim of identity theft, and a fraudster attempted applications with multiple financial institutions on XX/XX/2023. These applications were luckily declined, with other financial institutions confirming the applications triggered their fraud alert systems as identity theft while routing from XXXX XXXX, IL. However, XXXX continues to refuse removing their hard inquiry from my credit report in violation of the FCRA. I have requested XXXX to confirm why the application was declined but they have failed per ECOA 1002.9. The denial information should inform XXXX this was a fraudulent application. 

I have submitted all required information for this matter to be resolved in alignment with all federal regulations, but XXXX has failed.