davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.
Consumer complaint received 2022-12-15
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: CORELOGIC INC (PA)

Did not give written consent to Credco to obtain my XXXX credit report on XXXX, XXXXXXXX XXXX XXXXXXXX. I did not ever apply for credit with Credco.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

I had an XXXX XXXX XXXX which has an annual fee of {$450.00} billed every XXXX. In XXXX I downgraded to a NO annual fee card and I was supposed to get a prorated refund for the remainder of the year till XX/XX/XXXX. 

In XXXX I received an upgrade offer. In XXXX, I was told I am not eligible for the upgrade bonus offer. So I downgraded again. 
But I never received the annual prorated fee from XXXX. 
In XXXX I was told they will open a ticket and let me know when and how much would I get the prorated annual fee refund? 

I have still not received the prorated refund. 
I have already contacted more than 5 times regarding this issue and still no resolution. 

On XX/XX/XXXX when I contacted Amex again, they are telling me they can give a prorated refund of {$75.00} only instead of {$300.00}
Consumer complaint received 2023-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

A couple of months back I was contacted by the company that manages my home loan, Mr. Cooper, and was told that my escrow account was calculated to be short for this next year and that I needed to make a one time payment or pay a small portion throughout the year. I decided to make the one time payment. When I went to go make my next regular payment for XXXX of XXXX, I was shocked when I saw that my payment had gone up anyway. When I called and talked to Mr. Cooper, I was told that yes they had received my payment but my account had to still be adjusted. When I explained that this was not supposed to happen, I was told by the lady that I was speaking to that this was an oversight by Mr. Cooper and this should have been in the letter I received. I went through and read the letter many times and this was never explained. At this point I have zero trust in Mr. Cooper. What is going to stop them from just randomly making my payment more for just no reason.
Consumer complaint received 2023-02-24
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX  : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-24
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. (NV)

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 correct XXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (FL)

In accordance with the Fair Credit Reporting act XXXX  Acct In accordance with the Fair Credit Reporting Act XXXX  these bank account XXXX XXXX XXXX ACCT # 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 XXXXXX/XX/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 an account without my written instructions.
Consumer complaint received 2023-02-24
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. (CA)

I reviewed my credit report after I complained last XX/XX/23 and I discovered that some of the information on my credit report was incorrect. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX Balance : {$700.00}
Consumer complaint received 2023-02-24
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. (UT)

Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the inquiries will be deleted as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. This marks my second attempt to address and rectify this matter, as the fraudulent items persist on my credit report, causing significant financial harm and emotional distress. 

I would like to provide a brief summary of my previous attempts and the current situation : I first discovered the presence of fraudulent items on my credit report. I immediately initiated disputes with your credit reporting agency, providing detailed evidence to support the claims that these items are fraudulent.

After my initial dispute, I awaited a resolution but received no satisfactory response. Despite the dispute, the fraudulent items continue to negatively impact my credit history, leading to financial difficulties.

Following my previous attempt, I have made an earnest effort to re-dispute and correct these fraudulent items. I have contacted your agency, submitted additional supporting documentation, and communicated with the creditors involved. However, the issue remains unresolved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. I urge you to rectify this matter promptly, as it is crucial for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$9500.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$9500.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-11
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. (NV)

In accordance with the Fait Credit Reporting act XXXX account XXXX XXXX XXXX, XXXX, XXXX XXXX  ( XXXX, XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) thats against hipaa regulation, 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I pulled my credit report, and some of the items are missing from it. XXXX # XXXX XXXX it missing from there, Macys # XXXX Its missing from Experian, XXXX XXXX  # XXXX Missing from XXXX, XXXX and Experian, XXXX # XXXX XXXX Missing from Experian and XXXX, XXXX Cards # XXXX Missing from Experian and XXXX, XXXX XXXX XXXX XXXX missing from XXXX XXXX Bank XXXX XXXX mising from XXXX, XXXX # XXXX missing from XXXX, XXXX # XXXX missing XXXX XXXX and Experian and XXXX # are XXXX Missing from XXXX.
Consumer complaint received 2019-06-28
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. (CA)

Greetings, Today I had an inquiry on my report that negatively affects my score from a company that I've never dealt with and have NOT authorized them to review my file. I reached out to Trans Union but they said I needed to reach out to XXXX, however, I have no clue who they are and have no idea how to contact them. Please help me remove this from my file. Thank you. XXXX
Consumer complaint received 2023-02-11
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I pulled my credit report, and some of the items are missing from it. XXXX # XXXX TransUnion it missing from there, Macys # XXXX Its missing from XXXX, XXXX XXXX  # XXXX Missing from XXXX, XXXX and XXXX, XXXX # XXXX XXXX Missing from XXXX and XXXX, XXXX Cards # XXXX Missing from XXXX and XXXX, XXXX XXXX XXXX XXXX missing from TransUnion XXXX XXXX  XXXX XXXX mising from XXXX, XXXX # XXXX missing from XXXX, XXXX # XXXX missing XXXX TransUnion and XXXX and XXXX # are XXXX Missing from XXXX.
Consumer complaint received 2023-10-24
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. (GA)

I sent a letter to you on XX/XX/2023. Its been more than30 days since I contacted you, and still have not heard back from you.

So, in accordance with the fair credit reporting act XXXX accounts that is listed in the letter, 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-24
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. (FL)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX  HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM XXXX  HAS ALLOWED THESE TO STAY ON MY CREDIT REPORT.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to the fraudulent investment firm.
Consumer complaint received 2023-04-09
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: Resurgent Capital Services L.P. (IL)

LVNV FUNDING has made derogatory marks to harm my reputation by using credit reporting bureaus to falsify documentation alleging the existence of a debt. I have never contracted with this company and disputed the alleged debt of {$660.00} ( as of today ). A dispute was filed and marked completed as of XX/XX/ XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies must validate any alleged debt submitted with the original contract containing the alleged debtor 's signature. LVNV FUNDING failed to present this information to any credit reporting agency before, during, or after the dispute. XXXX also ignored their obligation under FCRA by publishing the alleged debt without proof of an obligation. LVNV FUNDING has continued to report these marks and has refused to provide any evidence that an enforceable contract exists. This reporting has hurt my reputation for several years and has unlawfully decreased my eligibility to obtain credit.
Consumer complaint received 2023-01-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP (NY)

Due to a layoff of employment, I missed some payments on my HELOC. I filled out a hardship application in XXXXXXXX XXXX but was declined as I was on unemployment for my only income and Key Bank stated that they could not use unemployment income. I then gained full time employment in XX/XX/2022. I re-applied for a hardship, and again was declined due to XXXX. This is an interest only payment and the amount that was owed could not have been more than {$1800.00} in total. During my conversation ( XX/XX/2022 ) when I was told it was declined, I asked what was the past due amount in order to be current on my loan, because I may have had enough by that time to bring the loan current. I was told that they could not give me that information because they had sent it to a foreclosure attorney already. 

My 2 biggest issues is that I was not given the option to pay it in full at the time it was expressed to me that my hardship application was declined, and secondly, it was sent to a foreclosure attorney before I was even given the opportunity to appeal it. This is true for both the dates and also I had not received the appeal paperwork before it was sent to the foreclosure attorney. 

I believe these motions were not necessary and unfair. This was not a large amount of money that I was behind on and believe I was not given fair options to resolve it before sending it to a foreclosure attorney which will also cause me to incur additional financial hardships due to legal fees and additional bank fees.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion, XXXX and XXXX are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX. This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXX XXXX  informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.