davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (DC)

The closed account " XXXX XXXX XXXX '' Account number XXXXXXXX XXXXXXXX is being reported as a closed mortgage account with the status " Foreclosure process started. '' THIS WAS NOT A MORTGAGE ACCOUNT. THERE WAS NO FORECLOSURE. It stems from a debt I owed to the US government due to being overpaid for a period of time ( unbeknownst to me until I got a debt collection letter ).
Consumer complaint received 2023-03-10
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial (IL)

Subject : Notice Of Dispute - WC / KOALAFI XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account WC / KOALAFI XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account WC / KOALAFI XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account WC / KOALAFI XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account WC / KOALAFI XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2023-03-07
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. (OR)

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 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. 

I gave no permission for any of this information to be on my consumer report. The information on my consumer report is thus in violation of aforementioned laws and must be removed.
Consumer complaint received 2023-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

The mortgage company is holding a large sum of funds aprox {$96000.00} that we received as final payment for a claim on our home, and newrez who purchased our loan from XXXX XXXX will not release the funds so we can pay the XXXX who performed the services. XXXX XXXX loss draft department contacted our insurance company and received all the documents needed to release the funds, newrez does not call or contact me by another company XXXXXXXX XXXX XXXX stopped the release and are holding funds. I have emailed with XXXX XXXX without reply as to why they are holding our funds without cause. I have called in the XXXX number and spoke with XXXX XXXX who could not repeat back to my my address after I gave it to him. ie : he asked for my address and I told him XXXX XXXX XXXX XXXX to which he repeats back to more " XXXX '' I give my all my information and he says my information does not verify and he can not help me, I believe there is a language barrier that is impeding his ability to communicate. He refused to transfer me to XXXX XXXX or to a supervisor or anyone else who can help me because I can not be verified. I asked how is it that XXXX can email me and call me but I can not speak to him and XXXX will not forward me to someone else who can help me get our funds released. 

Our home was previously inspected by the XXXX XXXX inspector who gave us a 100 % completion notice and at the time released all funds in escrow. However we were still battling with XXXX insurance over the repair costs. 

We desperately need our escrow funds to pay our contractor and would appreciate your assistance in helping us get those funds. 

XXXX XXXX has previously closed our file as 100 % complete and told us the funds would be sent then XXXX purchase the loan and now will not release those funds. 

We do not want a lien placed on our home because our mortgage company won't reply or provide English speaking people to service our calls or reply to emails in a timely manner. Our insurance company called to state that someone left them a message that was so fast in speaking they could not even respond to the request. 

Please help
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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 2024-03-13
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. (GA)

I am writing to formally address my dissatisfaction with the multiple unsuccessful attempts I have made to dispute fraudulent items on my credit report and to request expedited removal of these inaccuracies. The continued presence of these fraudulent items is causing me significant distress and adversely impacting my financial well-being. 

Despite making many diligent attempts to dispute these fraudulent items, they persist on my credit report, tarnishing my creditworthiness and making it difficult for me to access financial services and opportunities. 

I initially brought these fraudulent items to your attention, providing all necessary documentation and evidence to support my claims of their inaccuracy. However, to my disappointment, my dispute was denied without a thorough investigation or clear explanation. 

Subsequently, I made additional attempts to dispute these fraudulent items reiterating the evidence of their fraudulent nature. Despite my persistence, these disputes were also met with denials and delays, prolonging the negative impact on my financial standing. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit report. These inaccuracies not only damage my credit score but also undermine my financial credibility and integrity. 

Furthermore, I request that your institution enhances its dispute resolution process to ensure that legitimate disputes are thoroughly investigated and resolved in a timely manner. It is crucial for consumers like myself to have confidence in the accuracy and reliability of credit reporting systems. 

Please provide me with regular updates on the status of my dispute and the progress towards the removal of these fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$770.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00}.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (NC)

Inquiry Date : XX/XX/XXXXXX/XX/XXXXXXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX These accounts are not accurate or verified as belonging to me.
Consumer complaint received 2024-02-06
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: LEXISNEXIS (MI)

Lexis Nexis admitted to furnishing the credit bureaus with fraudulent information on my credit report but did not remove the inaccurate information from experian or eqifax credit reporting agencies which is causing a financial hardship and damages. They are fraudulently reporting information as a third-party vendor and not the US Bankruptcy court as stated on my credit report. 

It is quite clear that someone from ( XXXX, XXXX, XXXX ) fraudulently verified this bankruptcy with the ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as reported, it was verified through the third-party vendor Lexis Nexis Consumer Center which is not the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) according to the enclosed letter from Lexis Nexis which is an inaccuracy. That is a violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law which states : Under Consumer Law 15USC 1681e ( b ) that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under USC 1681i ( 5 ) Treatment of Inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly deleted that item of information from the file of the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B )
Consumer complaint received 2022-10-17
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. (MI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (AZ)

This is my NUMEROUS 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 inquiry and personal information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/2022
Consumer complaint received 2019-11-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XXXX/XXXX/19, we received a letter that our taxes were going up from {$5500.00} total to over $ 9,000/year. On the escrow statement, it appears they added the {$5500.00} from XXXX 2019 statement which included school and property taxes to the school taxes they just paid in XXXX, which were {$3800.00}. We bought the house in XXXX. I called the XXXX XXXX XXXX XXXX on XXXX/XXXX/19 and confirmed that my taxes are only supposed to be {$1300.00} for property and {$3800.00} for school. I then called Citizens One on that same day telling them of this, and also offering the contact information for the woman at the assessors office and they said theyd have an answer for me as to what happened by XXXX/XXXX/19. I followed up with Citizens One on XXXX/XXXXXXXX19 and they still did not have an answer. I explained that they are adding school twice to my bill and they said they cant confirm until they new property bills come out. I also then asked why I my escrow has a balance of over {$7000.00} when they just paid school of {$3800.00} and they said they use it as a cushion. My taxes should only be about {$5500.00} a year so to have a {$7000.00} balance after the {$3800.00} paid for school is absolutely absurd. And then to tell us we have to pay {$500.00} more per month on top of that because theyre reading the tax statements wrong is beyond me. I followed up again today, XXXX/XXXX/19, the day they said they would have an answer by, and there is still no answer. I need the escrow account taken care or immediately as my payment is due XXXXXXXX19.
Consumer complaint received 2022-04-16
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. (PA)

I reviewed my credit report and have found negative items that have not been verified or validated. This is against the law for unverified and unvalidated information to be furnished. Please see attachment for full details.
Consumer complaint received 2015-07-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (AZ)

Either a Macy 's customer used my phone number or their debt collector randomly selected mine and attached to delinquent account. I asked not to be called again. Called again less than a day after I requested for the harassment to cease. I called the XXXX number left on voicemail by XXXX XXXX. She verified by last XXXX of the SSN that I am not the account holder.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All three credit reporting agencies do not update payments or correct balances. Especially Transunion and XXXX. XXXX gave access to XXXX without my authorization. Transunion is reporting wrong payments on my car lease payments. This whole reporting agencies is out of control. Its like they are working for credit card companies, instead of consumers. They report things incorrectly to lower credit scores.
Consumer complaint received 2022-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated (VA)

I tried to transfer {$1000.00} from Way2Go debit card to XXXX checking account on XX/XX/2022, through the App. I put the right routing number and account number, app required to put routing and account number XXXX times. I have checked the numbers very carefully. Everything was correct, so I click the transfer button. I got an email that the transfer was successful. 
It has been 4 days so far, I didn't get my transfer fund yet to the XXXX bank. 
I called Way2Go card and found out that the first number of account which the bank was supposed to transfer was missing. The technical issue or I don't know .... I did everything right. The App was something wrong. 
{$1000.00} was GONE!!!!!
Consumer complaint received 2022-10-01
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. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected. 
XXXX XXXX XXXX XXXX : {$16000.00}
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (GA)

I opened a self financial credit builder account to improve my credit which was entirely voluntarily I Was told I may cancel at any time and even though I canceled service I am still receiving negative developmentary remarks on my credit report stating that myself payment is late this is untrue and self credit repair did not give me any loan at any time II paid paid {$25.00} a month so that way So financial may report on my credit report positive payment history but no way save fashionable form that I receive any monetary game is the monitory game from self financial and the reports to my credit report os wrong illegal and unjust
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

Initially XXXX was " not receiving '' automatic payments and i chose to refinance. This account was paid in full in XX/XX/XXXX. An additional XXXX was paid to avoid extra fees. I then called consistently trying to get them to close the account and release the title. That was not completed until XX/XX/XXXX. They stated the refund had been mailed on XX/XX/XXXX, it was dated for XX/XX/XXXX. The amount was XXXX. This is XXXX less than I should have been refunded. I continue to call and ask for documentation or reasoning but no one is willing to provide any information.Please help me!