davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

PLEASE HELP ME GET A SINGLE POINT OF CONTACT FOR LOSS MITIGATION OF A VA LOAN!!!!!!!! I have been seeking a VA mortgage modification since XXXX!!!! I have been dealing with Carrington since they acquired servicing of my mortgage in XXXX and they have NEVER assigned a single point of contact to my case. This has cost me time in the form of wasted effort and timing from when mortgage rates were better and the financial picture was more favorable. For years I have continued to submit loss mitigation packages, most recently XX/XX/XXXX and XX/XX/XXXX, and have STILL not received the name and contact information for a single point of contact. I receive letters requesting that I call the main number, example attached. When I call that number I do not get the same person nor the same instructions twice. This is a stonewalling tactic!!! I have submitted EVERYTHING they have asked for or a letter of explanation in lieu of an item that is unattainable. Per Colorado law 38.38.103.1 and federal regulation under Title 12 Chapter X Part 1024 Subpart C 1024.40, I should have been assigned a single point of contact literal years ago! Please help me in enforcing that Carrington complies with the laws and regulations or direct me to the department or agency who can. This is causing undue stress and financial damage to my family.
Consumer complaint received 2020-11-15
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Today, XX/XX/year> i was informed by Chase that my relationship has ended and that all my accounts are closed and all my cards were closed as well. I will received a check in 10 business days after final closure is processed by the system. 

I went to branch and could not be assisted. I was told that the bank reserve the right to close my accounts at any time for any reason and not tell me why. I asked for a speedy check delivery and was told that it was not an option. 

I transferred money from one checking to another to pay my rent and car insurance and received confirmation and it was rejected by the bank, I also paid tag registration and phone bill after this and it processed. I NEED to pay my rent or I will be evicted. 

THIS IS MY LIFE... WHY IS THIS HAPPENING? 

I live a boring life. Im an XXXX XXXXXXXX XXXX XXXX XXXX XXXX I pay my bills and sit down. I was a formal bank employer with XXXX XXXX and XXXX XXXX XXXX and a few credit unions. I never seen someone get their accounts closed without a conversation. I bank with Chase for over 10 years i believe. they just ended with me. All my auto withdrawal and direct deposit are up in the air.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (CA)

I CALLED THE CUSTOMER SERVICE NUMBER AND SPOKE TO A REP AND I ASK IF I COULD ENDORSE A CHECK THAT WAS FOR MY COUSIN BECAUSE HE HAD LOST HIS ID AND I WAS TOLD BE THE REP THAT IT WAS NOT GOING TO BE A PROBLEM AS LONG AS THE CHECK WASNT OVER XXXX SO WE WHEN A HEAD AND MADE THE DEPOSIT 2 HOURS LATER THEY FROZE MY ACCOUNT AND THIS HAPPEN ON XX/XX/2024
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

A late payment has been added to my account erroneously. I checked my credit report recently and it even says that I have a 30 day late XXXX & XX/XX/2022. How can that be on an acct thats been closed since XXXX. 
Please see attached document about XXXX XXXX XXXX
Consumer complaint received 2021-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: LDF Holdings, LLC (MD)

On XX/XX/XXXX I was charged and I'll be charged again on XX/XX/XXXX. My loan amount has not gone down in the slightest. They will continue charging me over {$200.00} in interest every other week twenty times even though my loan was only {$750.00}. This is a horrendous scam and takes advantage of people in need. 
Mitigcapitol is a scam that doesn't put their fees in the fine print or even tell you about them. I didn't give them any permission to take any direct deposit from my account. They just took money straight from my account. The agreement never said that they would be able to just take money out of my account and have access to my bank. I've read over everything. They're trying to charge over {$200.00} interest for 20 payments plus the payments amount of over {$200.00} for every payment as well. That's extraordinarily well over the amount that was loaned. I was loaned about {$750.00}. I'll end up paying 20 times $ XXXX. This was all hidden and never disclosed to me in the agreement. They're now taking money directly from my account.
Consumer complaint received 2023-05-19
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-31
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. (IN)

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. 


has violated my rights. Or list of inquiries 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 2023-07-31
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. (MD)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2024-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

This company sent me the medical debt that's not mine. Their staff is rude and threatening. I need to report this because it's not a mistake and they are doing it to a lot of customers. 

See their XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VA)

My bank, XXXX, pulls my score from Experian, which displays as Excellent. I got free identity monitoring from Experian when they failed to properly secure the data of millions of Americans, so I get emails from them up selling other products all the time. When I clicked one out of curiosity, it told me that my credit was POOR. I was stunned, but didnt have time until today to investigate further. Today I pulled scores from XXXX  and XXXX  through XXXX and my Experian score through XXXX, and all three were excellent. But although my Experian Apology Protection score had gone up to being Fair, it was still way, way off what they were telling XXXX and what the other bureaus are saying. On the page with Experians false report are five buttons, each of which leads to a paid product they are selling, and there is no way to dispute or inquire as to what exactly is going on. I am concluding that they are misrepresenting my score because they think, as a victim of their incompetency who filed for protection, I am easily worried about my score and therefore great to target for upsells. This is really morally wrong to target their victims with false information.
Consumer complaint received 2023-06-13
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: Fidelity National Information Services, Inc. (FNIS) (IA)

Attached is a letter I received from XXXX XXXX in regards to a data breach that XXXX XXXX was made aware of on XX/XX/XXXX. My personal information was compromised by the data breach. The following inquiries viewed by others currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, not my inquiries and is the result of the data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (NY)

To Whom It May Concern : I am writing this letter to dispute the results of a previous investigation made by your bureau regarding my credit report. I do not agree that a full investigation was made into the account reported by XXXX XXXX XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how the account was validated, the representative from whom the validation was obtained, the name and contact information of the company, the phone number, the last day of delinquency, the last date of activity, and whether they are properly reporting under my FCRA rights. 

I understand that the account reported by XXXX XXXX XXXX is a past-due amount, but I do not have an open account with this collection company, and I was not provided an original validation with my signature. Additionally, XXXX XXXX XXXX is actively charging off the account, manipulating payment history, and is in violation of the FCRA. 

Therefore, I demand that these accounts be removed for these violations, and if your bureau can not confirm that every piece of information is 100 % correct, then I demand that it be removed from my credit reporting. 

I am requesting that you investigate this matter promptly and provide me with a written response within 30 days of receiving this letter. Please also send me a copy of my updated credit report reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
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. (AL)

I to who this may concern, I recently checked my credit report and to my findings came across inquiries that I did not approve of. This has been causing a strain on my credit report thus leading to mental and financial difficulties for me.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-20
Product: Credit reporting 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)

Reviewed most recent credit report and I noticed collection account that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 15 USC XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 
XXXX XXXX {$85.00} XX/XX/XXXX XXXX  XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX {$7900.00} XXXX XXXX XXXX. XXXX, XXXX {$420.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This Complaint is against Equifax Information Services LLC. ( XXXX ) attempts thus far to have incorrect information removed from my Equifax Credit File has been unsuccessful, and basically a waste of time. The following address that is on my Credit File is incorrect -- and needs to be corrected, updated, and removed. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX Georgia XXXX The following updated and correct address needs to be placed on my Credit File. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX Georgia XXXX The letter received from Equifax requires XXXX XXXX ) items. 
Category ( XXXX ) - Copy of my Social Security Card which has been sent ( XXXX ) times thus far. 

AND Category ( XXXX ) Current Address -Drivers License- ( I am currently incarcerated, therefore I do not have this ). 
OR XXXX XXXX  Rental or Lease Agreement or house deed. ( I am currently incarcerated, therefore I do not have this ). 
OR XXXX XXXX Pay Stub with address ( I am currently incarcerated, therefore I do not have this ). 
ORXXXX XXXX Utility bill with current address. ( I am currently incarcerated, therefore I do not have this ). 

As I do not have any items in the 2nd category due to currently being incarcerated, I have sent notarized statements with my current address, from my facility. County tax bills from my home address mailed to my current address. Also sent XXXX XXXX Account Summary Statements sent to my current address.

This has been a waste of time as Equifax continues to send my Credit File and Personal Information to an old address which I no longer reside at, and this places me at risk. All of the above noted items have been mailed to Equifax a total of ( XXXX ) times, which fully validate my Current Address.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (FL)

Not long ago, I obtained my credit report and discovered that my identity has been compromised. This regrettable occurrence has had an adverse impact on me, given that I am presently in the middle of purchasing a new residence for my family. I feel deeply distressed by this experience and am seeking your immediate aid to eliminate the fraudulent accounts from my credit report. All the necessary documentation has been provided for you perusal. Thank you. Please see attached
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc (IL)

This company was trying to fraudulently add information to my credit report. I tried to verify debt and they couldnt provide receipt or original contract for amount between XXXX XXXX and I therefore all three credit bureaus decided to remove. Please do not be complicit in spreading fraudulent information. 

This is a good will attempt to correct my report before legal action will be pursued. I have also made a complaint with the XXXX