davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (MD)

It has been brought out into my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$910.00}, XXXXXXXX XXXX XX/XX/2023
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-20
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: MARINER FINANCE, LLC (MD)

On XX/XX/2023, I requested documents from MARINR FINCand I have not received a response for the request. The letter is as follows and will be attached. I am requesting information for Account Number XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment. It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. Respectfully, ( My name ) Not only this, but I need this data to formulate a dispute because it isn't reporting accurately or completely to any of the credit bureaus and I do not know who is misreporting the information.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
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 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, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/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 2020-01-06
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: DataMax Corporation (NC)

DATA MAX-FRAUD DATE XXXX {$860.00} XXXX XXXX-FRAUD- XXXX {$590.00} XXXX XXXX XXXX-FRAUD-XX/XX/XXXX- {$250.00} XXXX XXXX-FRAUD-XX/XX/XXXX- $ XXXX ALL OF THESE ACCTS WERE OPENDED FRAUDULENTLY AND ARE BEING REPORTED ON MY CREDIT. I HAVE LIVED AT MY RESIDENCE FOR OVER 10 YEARS. I HAVE FILED AND IDENTITY THEFT REPORT WITH THE LOCAL POLICE DEPARTMENT, I HAVE ALSO FILED A REPORT WITH THE FTC
Consumer complaint received 2024-01-30
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-01-30
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. (KS)

XXXX XXXX  - {$13000.00} XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XX/XX/2023 {$13000.00} XXXX XXXX XXXX {$13000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} I never gave written consent to any of the following financial institutions to inquire about my credit history per 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report if I did not give this authorization that is a violation of the Fair Credit Reporting Act
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (SC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

my name is XXXX XXXX, i am XXXX  years of age and i have been a victim of identity theft for over XXXX years. 
someone has used and currently using my personal information to obtain services and goods using my personal information.enclosed i have supporting documents to support my claim on this identity theft fraudulent accounts that have been opened in my name fraudulently.i have sent this same information to the creditors and to the credit bureaus, and it seems that everyone has turned down my request. i desperately need assistance with this matter to clear up these unwanted debt off my current credit report. 
thank you. 
XXXX XXXX.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I have recently had my mortgage refinanced in XXXX of 2020 through XXXX, within about a month they sold my mortgage to Mr. Cooper XXXX XXXX XXXX. Recently they updated my escrow, almost doubling my yearly escrow payment event though, after speaking with my XXXX XXXX assessors office, realizing that my yearly property taxes only went up by {$31.00}, and my property insurance went up about the same amount. Now my yearly escrow has almost doubled the yearly amount by several thousand dollars. My monthly bill now is almost the same as it was before refinancing even though my interest rate dropped from 3.125 % to 2.5 %. I asked Mr. Cooper to reanalyze and provide some proper explanation as to why this occurred even though my property taxes and insurance rates barely moved. They said they were going to have a supervisor re-review my account, they have not.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am restating my request for the elimination of inaccurate information and inquiries from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), with the specified removal timeframe not exceeding 4 business days. This matter has been previously communicated in my earlier correspondences dated XX/XX/2024and is reiterated here, accompanied by my re-attached FTC report # XXXX. I urge you to proceed with the removal of the following items resulting from the alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-27
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. (GA)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I 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 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have continual complaint of excess interest charges by citizens one bank and my auto loan. That was issue this recent complaint and Ive complained to the bank more than once. NOW Im trying to jusy pay off the loan and they wont let me pay it off ... proof they continue to bilk me for interest. 
XXXX XXXX AGAIN handling my complaint same as last year you will get reply from her according to her BUT she had just called me and hung up in my face.. RUDE NASTY and never addressed any actual issue or the fact they KNOW I want to pay off the loan I dont want to do buisines with this corrupt bank. XXXX hung up in my face they have the recording too she said she was fgoing to give me the pay off amount and NEVER did. she said she was going to correct the now additional interest due to their own negligence and obviously that was never done either.. This bank is not allowing me to PAY OFF THE LOAN. Ive informed them since the XXXX XX/XX/2021 I dont want to do business with this XXXX bank and I cant get anyone on any phone or website contact there is NO customer service now they are telling me conflicting information.. they said I could pay with a credit card and transfered me then im on hold still XXXX at night prior saying he couldnt take credit card payment???? XXXX cut me off so I couldnt pay off the loan now anyone I happen to get on phone is unable to take payment??? intersst continues to accrue and I cant pay off the loan because they wont let me!! its one thing after another with this XXXX bank. no one has addressed any of my concerns either this XXXX keeps making same lame excuses that are not accurate at all as I informed original complaint.. NOW they are not letting me pay off the loan!!
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my credit report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate reporting on my XXXX XXXX and XXXX XXXX Account. Please investigate and update as they are causing adverse harm to my credit report and good character : A dispute was mailed out to the company certified mail ( XX/XX/XXXX XXXX # XXXX ) I have attached valid copy of Passport, Social, and utility bill with my current ant only address. The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX, FL XXXX The following accounts which needs to be verified, updated and deleted are : XXXX. ) XXXX XXXXXXXX XXXX {$300.00} - Inaccurate Reporting. Update balance {$300.00}. Account has been PAID IN FULL. Unverified LATE PAYMENTS reporting. I request you provide of these alleged late payments. 

XXXX. ) XXXX XXXX Inaccurate Reporting. Update balance to {$15000.00} PAID IN FULL. 
Unverified XXXX LATE PAYMENTS reporting. I request you provide of these alleged late payments. 

XXXX. ) XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX XX/XX/XXXX -Unauthorized Inquiry XXXX. ) XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry 8. ) XXXXXXXX XXXX - XX/XX/XXXX, XXXX - Unauthorized Inquiry XXXX. ) XXXX- XX/XX/XXXX, XXXX - Unauthorized Inquiry XXXX. ) XXXX -XXXX  XXXX, XXXX - Unauthorized Inquiry 11. ) XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX- XXXX XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX- XX/XX/XXXX, XXXX Unauthorized Inquiry XXXX. ) XXXX - XXXX XXXX, XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX- XX/XX/XXXX, XXXX Unauthorized Inquiry Please see attachments sent to company. All letters have been sent certified mail and return sender. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In violation of 1 Section 604 15 U.S.C. 1681 B, Section 605 A 5 U.S.C. 1681 C-1, and Section 605 B 15 U.S.C 1681 C-2. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2023-08-07
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. (PA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXXXXXX Inquired on XXXX XXXX, 2023
Consumer complaint received 2023-08-07
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I made two payments online drafted from my checking account for XXXX one XX/XX/23 and one XX/XX/23 each, a total of XXXX completely paying off my card. My card following the first payment was declined. The payment was not reflected so I made another payment needing to use the card out of town. I show one payment drafted XX/XX/23 and another payment drafted from my account XX/XX/23. Over the next week my card kept getting declined even though the limit was XXXX and it showed a balance of XXXX. I called customer service XX/XX/23 to ask why my card keeps getting declined when they had XXXX from my account. I was told the payment was " on hold '' conveniently payment is due XX/XX/23 and I will be charged 28.15 % in interest because the company refuses to credit my account after they have had the funds for a week. When I called I was told there was nothing they could do they were holding my account so I can not use my credit card
Consumer complaint received 2023-08-07
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. (IL)

15 u.s. code 1681N. the bureaus is not complying, and hold inaccurate information. I WILL SUE FOR {$1000.00} PER VIOLATION. 


THERE IS INFORMATION ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT GIVE ANY WRITTEN PERMISSION IN ACCORDANCE WITH FCRA TO HAVE THE BELOW IDENTIFIED TRANSACTIONS FURNISHED ON MY CONSUMER REPORT. PLEASE BLOCK THE REPORTING OF TH IS INFORMATION. THE IDENTIFIED TRANSACTION ARE NOT RELATED TO ANY TRANSACTION BY THE CONSUMER. THIS BLOCK IS NOT BEING MADE IN ERROR, OR ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF.