davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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)

The Credit Bureaus stated XXXX XXXX # XXXX, XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Adjust # XXXX Were all properly investigated but how is that possible if there are still numerous inaccuracies on my credit report amongst all three Credit reporting agencies with more than 3 inaccuracies and inconsistencies per account such as, the date last active, open date, credit type, account rating and more. This is grounds for removal They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They also. Violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

The TD bank credit card account XXXX that appears on my credit report was charged off in XXXX of XXXX and has reflected as such every month since XX/XX/XXXX until XX/XX/XXXX. The account now shows as being charged off in XXXX of XXXX and shows that I was 30/60/90 days late as recently as XX/XX/XXXX. This is incorrect information the account was charged off since XXXX, you can not be late on a charged off account and this is further negatively affecting my credit score as it shows I have recent late payments. Please remove this account for reporting inaccuracies to my credit report. I have attached images of the accounts reporting before and after I settled the debt.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

This complaint is about American Express didnt make any effort to investigate my dispute ( XXXX XXXX. XXXX ). I also tried to resubmit the dispute, however American Express continues neglecting my dispute and mark it closed on its own end. 
The merchant in this dispute - XXXX XXXX XXXX XXXX XXXX is a fraudulent XXXX ; I was overcharged for {$120.00}, which is clearly proven in my XXXX XXXX statement - patient responsibility section. I have submitted all the proof and communication between me and the merchant through American Express manage disputes portal. The merchant has already acknowledged they overcharged me {$120.00}, but I have never received the refund.
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (OK)

i pay my insurance annually in advance. my policy with XXXX expired XX/XX/2020. Due to substancial premium increase i did not renew the Policy. i changed to XXXX. I called several times and spoke to agent at XXXX who advised due to covid mandates & absentees they run all policies for 6 months due to not being able to cancel anyones policies. they asked for me to email the Declarations page of my XXXX insurance confirming my new policy with XXXX running fron XXXX XX/XX/2020 which i did. however XXXX failed to pass this crucial information to XXXX XXXX XXXX  which is still listing, to date, {$810.00} as owing on my credit history, which i never owed in the first place.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act 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 2022-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (WA)

Hello, On XX/XX/XXXX, I made my US Tax return payments using PayPal Credit for the amount {$6500.00}, which involved a {$120.00} fee. At the time, the credit balance displayed on my account was {$6600.00}, which should have been enough to cover both transactions. 

I made this payment through my PayPal Credit account but for some reason, PayPal decided to charge my XXXX credit card instead of the Paypal Credit account, which I never authorized. The only reason I used PayPal here was to make use of the 6-month no interest offer on $ XXXX purchases. 

Charging my XXXX credit card meant that I owe {$6500.00} on my credit card by XX/XX/XXXX instead of XX/XX/XXXX ( if it had been charged to PayPal Credit ). This is costing me XXXX of dollars now, in having to pay my XXXX balance of {$6500.00}. 

I reached out to PayPal & requested them to either redirect this transaction to my PayPal Credit account instead of my XXXX card or provide me a credit of {$120.00} ( the additional convenience fee I had to pay my merchant to use PayPal ).

PayPal provided multiple excuses ( whose documentation is attached here ). Their excuses are varied and ranged all the way through the XXXX  from : ( a ) alleged that I made the transaction twice when I made only one transaction, ( b ) alleged that there were security concerns due to which the transaction was declined by PayPal Credit & routed to my XXXX card without my authorization, ( c ) alleged that I did not have a sufficient credit balance in my PayPal Credit account. 

All of the above reasons are false & the fact still remains that I never provided explicit authorization to use my XXXX credit card. I've attached all the documentation in this complaint below.
Consumer complaint received 2022-05-23
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)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MA)

I paid my servicer, CitiMortgage, until I paid off my mortgage # XXXX, XXXX # XXXX last summer. I have no idea who actually owned the mortgage. An undated Release of Mortgage by XXXX XXXX XXXX XXXX , XXXX recites that it " does hereby acknowledge that it has received full payment and satisfaction ... and in consideration thereof, does hereby cancel and discharge such Mortgage. '' If CitiMortgage gave my payments to XXXX , XXXX, it misapplied them. XXXX, XXXX does not lend money ; can not hold legal title ; or be a mortgagee under XXXX. law. XXXX. General Laws c. 183, s.65B. I asked Citimortgage repeatedly to return my promissory note. It did not. On XX/XX/XXXX, I sent Citimortgage a Qualified RESPA Request, Notice of Error, & Request for Information for, inter alia, ( 1 ) whatever instrument assertedly authorized " XXXX XXXX, Assistant Secretary '' to execute the purported release of my mortgage on behalf of XXXX XXXX XXXX ; ( 2 ) if my loan was securitized, the complete name of each specific Trust in which it was supposedly securitized ; ( 3 ) the XXXX number for each Trust ; ( 4 ) the Trust 's opening and closing dates ; ( 5 ) the date that my mortgage loan was assertedly sold into the Trust. 
If the Trust 's Pooling and Servicing Agreement or equivalent instrument is not on the public record, provide a certified copy. 
Provide my original, wet-ink promissory note executed in respect of this mortgage, IN ITS CURRENT CONDITION, showing all indorsements or allonges ; Identify the principal ( XXXX ) for whom XXXX XXXX XXXX purported to act as of XX/XX/XXXX and XX/XX/XXXX, with written proof of any authorization for XXXX, XXXX. 
( a ) to act as of those dates for the lender, or the lender 's then-current successor or assignee, with respect to my mortgage, and/or ( b ) to receive my mortgage payments. 
I also asked whether my mortgage was ever assigned, & if so, certified copies of all assignments ; andTo confirm or deny whether my promissory note was ever sold separately from my mortgage. 
And some other things, including the Servicing File. 
Citimortgage received my request on XX/XX/XXXX, per USPS Domestic Return Receipt # XXXX XXXX XXXX XXXX. A XXXX XXXX signed for it. 
I have not received a reply.
Consumer complaint received 2022-05-23
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: RentDebt Automated Collections, LLC (NC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (GA)

This complaint is regarding Shellpoint Mortgage Servicers. In 2017, my loan was transferred to another lender away from Shellpoint and Shellpoint refuses to update the " Payment Status '' of this account from " 120 day past due '' to " Account Sold or Transferred to another Lender ''. The account is NOT 120 past due or delinquent, as Shellpoint is no longer the holder of this account. This account should reflect as paid with XXXX, XXXX, XXXX. I have placed a call into Shellpoint about this issue and spoke with Customer Service who confirmed that she was sending an email to a Shellpoint Supervisor to request for this information to be updated on my credit report. This was not done as promised. Hence, I am filing a complaint. I have disputed the information with the 3 credit bureaus and the results came back VERIFIED, which is incorrect. I'd like written proof of what the verification process was to verify that this account status was correct. This account needs to updated accurately or removed from my credit profile immediately. Thank you.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

In XXXX I entered in Bankruptcy Ch XXXX. 
In XXXX I looked into my credit after being refused a job based on my credit report and found that 1 account was still showing as a collection, and was also updating the amount with added interest. I disputed this with XXXX  and they deleted it because it was being reported incorrectly. I have disputed this account 6 times including 1 reinvestigation, the next and last dispute included the paperwork from my bankruptcy attorney as proof to them and within 1 week I was told again that I was wrong. I understand the 30 days to respond but they do not seem to take the time or willpower to actually report this account correctly. This collection along with bankruptcy has cost me in high insurance payments and the ability to obtain employment.
Consumer complaint received 2022-05-23
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. (LA)

My name is XXXX XXXX and this is a statement verifying my proper identity. There is incorrect information on my consumer report that continue to appear on my report. Remove all old address information other than what is shown on my identification, and I don't reside at any of the other addresses listed on my report.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (MD)

I am writing in regards to a debt that is listed on my credit report as XX/XX/2017. The information is being reported by IQ Data International ( original creditor XXXX XXXX XXXX XXXX XXXX, GA ). IQ Data International is reported inaccurate and fraudulent information. Several disputes have been made with all three credit reporting agencies over the past year. The company has not provided proof of the debt. The amount due increases monthly and has resulted in a negative credit rating and financial hardship.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this matter.
Consumer complaint received 2023-02-21
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. (FL)

I have been a XXXX of identity theft and I have submitted all required documents to Experian and XXXX but none of them have removed the fraudulent accounts from my report EVEN when creditors have acknowledged the Identity theft situation, I have contacted XXXX XXXX XXXX in regards of the account XXXX being reported in my credit and they do recognize that said account doesn't have my social security number, neither my zip code nor address, only my name, but that account is still being reported to my credit by XXXX. In the case of XXXX reporting on Experian and XXXX XXXX, those accounts are consequences of identity theft, XXXX is reporting that account with another person and they do not delete that information from my report on both Experian and XXXX.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX and this is a statement verifying my proper identity. There is incorrect information on my consumer report that continue to appear on my report. Remove all old address information other than what is shown on my identification, and I don't reside at any of the other addresses listed on my report.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

The credit bureaus are publishing invalid information according to FCRA 1681 i, a, b, c, j. I am a consumer and have a right to fair reporting. If you review my credit report, you will see inaccuracies across all 3 bureaus. Each bureau is reporting inaccurate information. XXXX XXXX XXXX  is reporting a " Voluntary surrender. '' This is invalid information and legally MUST be removed from my credit report. XXXX is a fraudulent account and MUST be removed from my credit bureaus. XXXX XXXX XXXXs a fraudulent account that is showing many inconsistencies and MUST be removed. XXXX XXXX XXXX is a fraudulent account must be removed. XXXX is frauduluent must be removed. XXXX XXXX XXXX XXXX XXXX is showing many inconsistencies and MUST be removed from my credit report it is in violation of FCRA rules. XXXX XXXX XXXX XXXX is also publishing false information and must be removed.
Consumer complaint received 2022-05-23
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)

criminal record was added to my credit report and has violated my rights. 
XX/XX/2022 this is in accurate 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 2018-09-25
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. (NJ)

Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX  cardbXXXX be on my credit? How? XXXX XXXX XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX  and XXXX  inquiries. Please Im sorry but Im stressed.
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (IL)

In XXXX I purchased a XXXX vehicle for the purchase price of {$18000.00} financed through Santander Consumer USA. Ive made {$12000.00} and yet my remaining balance is {$17000.00} with the payoff amount {$19000.00}. The company has been sued by several states for predatory lending practices and has been required to offer customers some resolutions however when I contacted them they tell me I have no options but to continue make payments that dont go to the balance of the loan.
Consumer complaint received 2015-07-15
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: IQOR US INC (FL)

I did not of this debtor until my wages were garnished. i then called them and explained that I was never notified. They explained the address they sent the information to and it was an address i have not lived in for over 5 years. Also, after I filled out the paperwork sent to me, they claime dthey release the wage garnishment yet my employer is still garnishing wages. So I asked for a copy of the release order sent to my employer for proof that they did in fact release the wage garnishment and they REFUSED to give me a copy and said they will not send me any proof of the release.