davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The claims in the amount of XXXX and also the claim for XXXX and the lady claim which is for XXXX needs to be fixed you guys have denied me for months now my claims are being approved but none is fixing the claims that put me in the negative this is my life i have nothing I can barely test some days because Bank of America refuses to do what is right and n my behalf and when they do they are still making me suffer with the negative balance under my account I am not trying to get you guys in trouble or anything I am just asking that you please put my money back where it belongs you guys have acknowledged the freaks under my account which is why I received the letter from you Guys please I just need to feed my child and my fianc please fix my account we had to skip XXXX this year because of this situation I have to choose between feeding my child and giving her gifts it was not fair to me or her I need answers I need my money please at least fix the claim for XXXX please!!!
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX of XXXX I lost my husband of 40 years from complications of XXXX. I therefore, lost his income. Since then, I have tried everything to save my home, from modifications, to reverse mortgages. I have been in this home since XXXX and have survived two bouts of XXXX and raised my son here. My husband and I put a lot of blood, sweat, and tears into our home and I really want to keep it. I am permanently XXXX and on a fixed income. 

I have an Aunt that has her loan with Select Portfolio Servicing, and she is also permanently XXXX. She was able to get her loan modifed so that she could stay in the home. They looked at her and her husband 's income and reduced her mortgage. Her name is XXXX XXXX. They were able to reduce her mortgage, tax and insurance to {$1200.00} a month. They then put the balance on the backend of the loan. Her mortgage was over XXXX. 

I mentioned this to them on several occassions and included this on my modification application. I have applied twice for a modification and was denied both times. This is a terrible way to treat a XXXX person. 

When I spoke with them yesterday, they just informed me that my foreberance had ended on XX/XX/XXXX and that I need to pay the past due amount of {$16000.00} on XX/XX/XXXX. There was no notice given. A consumer should have at least 90 days notice so they can plan their next steps. This was unconscionable. 

When I asked if there was an option for me to apply for another modification, they said no. I asked if I could get a deferral of the past due and they replied no. They said my only options where to pay the past due amount or sell. They were not sympathetic to my plight. 

Here is their contact information : Select Portfolio Servicing, XXXX and my loan number is XXXX. 

Please help me save my home. Now is not the time to sell with the market prices down and the interest rates so high. I need your help. I look forward to hearing from you. God bless you. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-26
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. (CA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2021 Account status : Open Status updated : XX/XX/2021 Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/2021 Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User
Consumer complaint received 2020-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Capital One XXXX XXXX XXXX XXXX XX/XX/2019 etc I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NV)

In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also stated 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 a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-21
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. (IN)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX  accounts # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.
Consumer complaint received 2021-12-26
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. (CA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX XXXX XXXX Account number : XXXX Date opened :XX/XX/2021 Account status : Open Status updated : XX/XX/2021 Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/2021 Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User
Consumer complaint received 2022-08-31
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. (NC)

All three credit bureaus have dismissed my disputes in the past and requests for validation, the documents attached prove XXXX XXXX XXXX has not validated, but perjured themselves. I demand these accounts by XXXX XXXX XXXX be deleted immediately. 

See attached documents for supporting evidence.
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WI)

My Bank account with Bmo Harris Banking Had Fraudulent and suspicious activities Since XX/XX/2021. I was going to use my bank card and it said declined as i opened my bmo app on my cell phone I noticed that i could not do anything with my account and saw the fraudulent activity. i went to the branch and spoke with the banker and i was advised to go make a police report that the Fraud investigator was not in the office at the time and had to wait to be contacted by banker that was speaking with the fraud department. I honestly don't know why the bank if they noticed the suspicious activities, they didn't automatically contact me and spoke with me about the situation and also why they didn't put a freeze and a and suspension on the account. around the beginning of XXXX I was called back from the banker explaining to me taht XXXX XXXX from the fraud department said that nothing couldn't be done to help me out on my situation and that my bank account was getting closed and that I was going to be held liable for the fraudulent activities on my account and had to pay {$3000.00} at the time.
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

I was the victim of fraud on XX/XX/2021 in the amount of ~ {$1200.00} and Ally bank refused to pursue the disputed transaction saying that it was an authorized transaction. I have filed an XXXX complaint as well.
Consumer complaint received 2019-12-17
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)

XXXX  has a bill in collections. I still have an account, with the same telephone number, and an active account number. I have no idea how i am still paying them but some how have a account in collections. Theyve never reached out to tell me anything. I believe this account was ran up by someone else. 

The account name is XXXX XXXX my legal name is XXXX XXXX - XXXX
Consumer complaint received 2022-08-31
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. (GA)

This is not a third party this is XXXX XXXX XXXX complaint. I XXXX XXXX XXXX did not give your consumer reporting agency written permission to include fraudulent information on my consumer report which is in violation of 15 USC 1681b- ( a ) ( 2 ). Based on my research I found out this is a violation under FCRA and that Identity Theft happens everyday and as a consumer I never benefited from the goods received. This fraudulent " XXXX '' account must be deleted immediately. Pursuant to 15 USC 1681 c-2 subsection ( a ) block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt of such agency. This request was NOT made in error. Its been more than 30 days and you as the Consumer Reporting Agency you are in VIOLATION of this law because I am a victim of Identity Theft! BLOCK AND DELETE THE FRAUDLENT ACCOUNT THAT I HAVE NEVER BENEFITED FROM THE GOODS. 

ACCOUNT : XXXX
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

On XXXX I deposited a XXXX dollar check into my account at Wells Fargo XXXX The pictures were very blury, but I the go ahead to deposit the check I was given two check marks meaning every thing was good.On the XXXX I had message stating I had not endorsed the check and they were placing a hold on money for a week .l called them immediately and talked to a banker, I explained this was not my fault it was their systems fault. I also stated I needed my money released so l could by groceries. They wouldn't lesson to me, I had to wait until the XXXX to get my money I am asking for XXXX $ for my pain and suffering.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

I encountered issues with my mortgage payments in XXXX and XX/XX/XXXX, yet the credit report displays late payments for XX/XX/XXXX and XX/XX/XXXX, which I believe is inaccurate. Despite receiving a screenshot from an employee confirming my late payments for XXXX and XX/XX/XXXX, the company insists on the accuracy of the reported dates. I've attempted internal credit disputes multiple times, but they've been consistently denied. I've provided the company with all three credit reports indicating the error in reporting. Although the company is open to refinancing my house and disregarding the incorrect months on my credit report, this discrepancy prevents me from refinancing with another lender.
Consumer complaint received 2021-12-27
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2019-12-17
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: Credence Resource Management, LLC (MI)

XXXX  has a bill in collections. I still have an account, with the same telephone number, and an active account number. I have no idea how i am still paying them but some how have a account in collections. Theyve never reached out to tell me anything. I believe this account was ran up by someone else. 

The account name is XXXX XXXX my legal name is XXXX XXXX - XXXX
Consumer complaint received 2019-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-12-26
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. (CA)

I am a victim of identity theft. The information that your company, Department of Education XXXX ( DEPTEDXXXX  ) student loan, is still reporting to my Transunion Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX, XXXX XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. DEPTEDXXXX student loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to Transunion. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : DEPTEDXXXX 9 late payments {$0.00} Closed Account info Account name : DEPTEDXXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Account status : Closed Payment status : Paid or paying as agreed Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$20000.00} Past due amount : {$0.00} Terms120 Months ResponsibilityIndividual account
Consumer complaint received 2022-11-10
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. (NY)

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  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : XXXX XXXX XXXX XXXX  : # XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-26
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: Experian Information Solutions Inc. (FL)

I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the XXXX data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.