davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

About a month ago, I received an unexpected package from TD Bank XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The package contained two packs of checks numbers began with XXXX. 

I took the package to the local TD Bank branch and explained that I never opened an account or requested checks from TD Bank. They asked me to share some personal information and looked up the account on their system. Told me I might be a victim of identity theft and to place my CRA account on hold with the three Credit Reporting Bureaus. 

Yesterday, I received another identical packet of checks with the same check numbers, deposit slips and check register and a message to " Go ahead, grab a pen. '' " These checks are all yours. '' Obviously TD Bank failed to manage my complaint properly or I would not have received a second set of checks. I would like them to investigate their procedures when circumstances like this occur and modify their procedures so this doesn't occur again. 

Thank you for giving me a voice and helping me with this issue. It is great to know our government has the ability to help its citizens, like me when the financial companies really have little motivation without your influence. 

Thank XXXX ( and some politicians ) we have an Consumer Financial Protection Bureau that once again understands their priority is to serve consumers ' not the industry. 

Best Regards. 

XXXX
Consumer complaint received 2022-05-26
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)

I, XXXX XXXX, Consumer, dated on XX/XX/2022, am aware that XXXX XXXX XXXX XXXX are in noncompliance with The GrammLeachBliley Act which can be fined up to {$100000.00}. 

I, XXXX XXXX, Consumer are also putting XXXX XXXX XXXX XXXX on notice as of XX/XX/2022 of Cease and Desist pursuant to Federal law 15 U.S. Code 1692c ( c ). 

Best regards.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax reporting incorrect balances for XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX All have XXXX balances. Equifax still reporting old balances.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXXAccount # XXXX. In these months I have not received a notice in 45 days and show that this account is out of investigation. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX I have read the recent release copy of my credit report today and I still noticed that they still kept furnishing XXXX XXXX- XXXX XXXX there which was already completely DELETED under Experian 's record. This account was removed on XX/XX/2023 and I was expecting that XXXX would also do the same thing as they're both reporting to only one furnisher, right? I just dont understand why theyre still posting an inaccurate account that supposedly should never have been in my record in the first place. 

I also want this other misleading and inaccurate account be OMITTED on my record as soon as possible XXXX XXXX - Account # : XXXX as I dont recognize this one as well. I just want these accounts to be completely removed so that only those accurate information will be left and reflected on my credit report. I would appreciate it if you'll finally resolve this concern I have had for several months now.
Consumer complaint received 2022-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc. (TX)

Notice of a collection of debt was sent to an old address. Therefore, I did not receive it right away. I tried to pay the debt but was unable to do so. The date the notice was received is XX/XX/2022. It was sent on XX/XX/2022. Reference number XXXX.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. Violation XXXX PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX violation XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING THIS ACCOUNT HAS BEEN CHANGED FROM XXXX  days late too XXXX  days late that inaccurate information MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & XXXX  DAYS NO LATES IN PAYMENT HISTORY. Violation XXXX LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect .violation XXXX LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE XXXX  DAYS LATE. Violation XXXX Remarks : THERES NO NOTICE OF DISPUTE. Violation XXXX PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. Violation XXXX Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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.

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION STOP UPDATING THESE ACCOUNTS Want removed
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IN)

My mortgage loan is currently serviced by Specialized Loan Servicing ( SLS ). I have tried to obtain a loan modification from the them for many years and was recently was advised that a trial loan modification offer was sent out on XX/XX/XXXX,  which I never received The offer called for monthly payments of {$2100.00}, beginning XX/XX/XXXX with a 280 month term. This is an offer I would have gladly accepted since I am able to afford the payments. SLS advised that the offer was sent via USPS regular mail, so there is no way to track the package. Since I never received the modification offer, there has been a serious lack of transparency in the process, since a single point of contact was never assigned to the case. Per the CFPB mortgage servicing laws, transparency and a single point of contact are a requirement. I am requesting the SLS reset the trial loan modification offer, since they failed to abide by the the CFPB law. Per Indiana Code 32-30-10.5, mediation is a requirement prior to foreclosure, which SLS is trying to bypass as well. Since SLS has set a foreclosure sale date of XX/XX/XXXX, I am seeking your assistance on this matter.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc. (TX)

I have received 3 calls so far at my place of employment regarding an outstanding debt. I have told them each time to please quit calling my work and send information to my address which they already have. <P/>The place is called Global Solutions and their number is XXXX. I have also noted on my phone at work that they have called several times when I was away from my desk and did not answer.
Consumer complaint received 2023-03-10
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-10
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. (OR)

In accordance with the Fair Credit Reporting act XXXX  Account 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 2024-05-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

If the bankruptcy court has already XXXX the personal debt of the homeowner, and the court granted Bank of America 's motion to lift the stay specifically to foreclose on the property, then Bank of America can not pursue non-judicial foreclosure. 

The lift stay order only allows Bank of America to proceed with a judicial foreclosure, as the non-judicial foreclosure option is no longer available due to the prior discharge of the personal debt. Bank of America must now file a judicial foreclosure lawsuit and obtain a court judgment to foreclose on the property.
Consumer complaint received 2022-05-26
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 2019-02-27
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. (GA)

Ive contacted Equifax several times as well as sent over documentation to prove that I was a victim of identity theft. Equifax has failed to report data correctly on my report. Ive sent the same information to XXXX and XXXX and they verified the accounts on my report as fraudulent. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 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 2015-12-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc. (MD)

There is an account listed under my name for the original creditor of XXXX XXXX, however, I never signed a contract with XXXX XXXX, and after attempts to obtain a copy of a contract, I have received no response from Diversified Adjustment Service. 

I have sent faxes and letters requesting copies of my signature on a contract or agreement, and would like to see where this information is coming from.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America is stealing money from me they are bringing up claims that were deem permanent and they are also trying to make decisions based on claims that were way pass the 90 day period of hey are trying to stick me with a XXXX claim then came with a XXXX response as to why they denied it the other one all day the same except one and a half and thats another thing how can yall approve held a claim this bank is stealing money in every way possible then the complaint specialicapls ke to ask me to stop calllimg so much but you guys are holding my ki in my are u XXXX t my child needs her medication plus more they dont care but understand that this is my family and I will fight until the the day they take every penny out this bank and shut it down because this os unacceptable they let people steal from me then send me through XXXX then made sure that they did dont giver my temporary credits then the claim that they approved went to the negative balance someone is doing a inside job at Bank of America because how was anyone able to teller withdraw my account make that make sens Bank of America HOW I WANT MY MONEY BACK AMD THE SIMPLE FACT THAT YOU GUYS ARE BEING SUED FOR MONEY LAUNDERING AMD HELPING SOMEONE SCAM MILLIONS TELLS ME ALOT ON TOP OF THE OTHER ISSUES Customers ARE FACING BECAUSE THIS BANK NEEDS TO BE INVESTIGATED OR SHUT DOWN MY FAMILY IS MY LIFE AND IM READY FOR WAR BEHIND THE PAIN YOU CAUSED ME AND MY FAMULY FET READY BECAUSE IM MAKING 10 stops f these today yall stole from the wrong woman then they duplicated claims added someone elses information to my account then they just made adjustments to my account but wen I talk to the rep they says I was denied but Im tellin her Im seeing activity in my account the credited me once and debited twice this is not ok Im in the negative because they dont know how to do their job and doing malicious things to people like me then making me suffer behind their games
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (GA)

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND A CONSUMER. I have done several disputes with Experian with regards to the following accounts : XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX. XXXX, XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX. These transactions should be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ( b ) ). I am demanding that Experian removes these transactions from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41. They are also in violation of federal law 15 U.S.C. 1681b ( 2 ). I never gave them written instructions to reflect any of these accounts to my consumer report. With that being said, it is identity theft. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Experain received all documents and supporting evidence of my complaint through the mail on XX/XX/XXXX.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights. 

XXXX5 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 2022-05-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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