davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
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. (MA)

I was shopping for a mortgage and requested a hard inquiry on XX/XX/XXXX. As a result, my Transunion score dropped by 3 pts. The following day, I had another inquiry ( XX/XX/XXXX ), but it did not affect my score. 

On XX/XX/XXXX, my score rose back up by 3 pts. due to credit line increase -- bringing it back up to XXXX. However, after I pulled my final inquiry on XX/XX/XXXX, the XXXX score went back down by 3 points from Transunion and by 2 points XXXX. 

I was told by Transunion that I have 14 days to shop for a mortgage and that it will be counted as one ( see link below ) : https : //www.transunion.com/blog/credit-advice/how-rate-shopping-can-impact-your-credit-score Nevertheless, it did, in fact, affect my score and both credit bureaus were unwilling to correct this.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay!

This account was included in my DISCHARGED bankruptcy yet they are still reporting  monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have been denied credit from the following XXXX XXXX for a credit card. The main reason is that Equifax stated that I had a credit score that ranged from 250 to high off 900. The XXXX that they are reporting is totally wrong. I have never had a score below 750
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (IN)

This was debt was paid by my insurance company which I have attached was paid to XXXX XXXX in the amount of {$680.00}, and I have filed numerous disputes with XXXX regarding this account from XXXX XXXX XXXX, however this has been paid and submitted to XXXX XXXX XXXX with a Certified Letter which I have verification they received. I would ask that you please ensure that this Collection Agency remove this erroneous item from my Credit Report? Thank you.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (UT)

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 MHas violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I was travelling in XXXX during XX/XX/2019 and got my wallet, my credit cards, debit card, drivers license and my phone stolen on XX/XX/2019. I called Chase immediately after i discover my items were stolen ( within 2 hours of the theft ) and explained the situation. The representative told me there were several charges made on my credit card and debit already. I told them that i did not authorized those charges and my wallet was stolen. The representative reassured me that i won't be responsible for those charged and my card was cancelled and a new card was issued. I also asked them what else i need to do to protect myself, and they told me i was doing the right think to call them. 

About a week ago i received a letter from chase notifying me that they determined that i was responsible for those charges after their investigation. i called back immediately as i do not understand how such decision was made. i was told that they had obtain evidence from the merchants that i was responsible for those charges and ask me to provide evidence that i did not make those charges. This is really frustrating as i called Chase right away and was assured that i won't be responsible. Now three months later when i returned from XXXX and impossible for me to produce any corroborating evidence of the theft, they now tell me that i'm responsible?
Consumer complaint received 2018-03-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (PA)

On XX/XX/XXXX I received a letter from GC Services Limited Partnership in regards to the debt I owe to XXXX University. On XX/XX/XXXX I processed a payment through the given website on the letter. My bank account is showing that the payment has been processed and cleared yet their website is showing the debt is still owed and I continue to receive calls from GC Services Limited Partnership. These calls have been received the following dates : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I've explained this issue to the gentleman calling and he states that the charge does not show up in their system. I've also attempted to contact their company through email but the email address listed on their website appears to be incorrect as the emails continue to show that they can not be delivered. The customer service rep I speak to with GC Services suggests that I submit my payment again. I should not have to do this as the payment is showing as processed. I am concerned that this is fraudulent practice.By the company not showing that my debt has been paid, XXXX University is withholding my XXXX XXXX XXXX certification.
Consumer complaint received 2023-02-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

After making a complaint about the total lack of cooperation with Ocwen they sold off to PHH Mortgage. They are two of the worst operators in the mortgage business and are well known to all brokers on XXXX XXXX. 
They have refused to work with me and have attempted to smear my name by writing defamatory statements to the XXXX XXXX. He subsequently has persistently ruled against me. And, what does a personally defamatory comment have to do wth a mortage. Even CFPB has sued Ocwen for abusive and fraudulen behavior in XXXX and collected {$200.00} XXXX. 

Now, XXXX XXXX has passed a law about abuse of borrowers in XXXX of XXXX and and XXXX XXXX and XXXX XXXX are refusing to dismiss the case against me -- even though I have XXXX XXXX and XXXX and the Foreclosure Abuse Act totally applied to me, A new modification was refused because they claim that I do not own the house ( which I transferred to my wife since I'm ill ) -- which I can correct with the stroke of a pen. And, despite the fact that they issued two modifications which their foreign clerks ( XXXX ) offered in the past under the same circumstances. THEN they AGAIN screwed up the loan processing. They could not even apply the payments to the right account caused me to stop paying. Then they valued my house at 50 % more than it was worth even though I provided an appraisal. 

OCWEN AND PHH SHOULD BE SUED BY YOU LIKE XXXX XXXX SINCE MANY BORROWERS EXPERIENCE THE SAME PROBLEMS REPEATEDLY. THEY OCWEN/PHH ARE ABUSIVE AND ARE A FRAUDULENT OPERATION.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX CA,XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. And the phone number XXXX.
Consumer complaint received 2023-03-15
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. (IL)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
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)

INCORRECT INFORMATION IN MY REPORT. ACCOUNTS : XXXX {$14000.00}. XXXX {$11000.00}. XXXX XXXX  XXXX {$11000.00}. XXXXXXXX XXXX XXXX  {$800.00}. XXXX XXXX {$800.00}. XXXX XXXXXXXX {$11000.00}. XXXXXXXX XXXX {$4800.00}. XXXXXXXX XXXX {$3000.00}. XXXX {$6200.00}. XXXX {$900.00}. XXXXXXXX XXXX {$16000.00}. XXXXXXXX XXXX $ XXXX XXXX {$7500.00}. XXXX XXXX XXXX {$800.00}. XXXX XXXX XXXX {$5900.00}. XXXX XXXX {$300.00}. XXXX XXXX {$76.00}. ADDRESSES : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

The accounts Midland Funding LLC is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.
Consumer complaint received 2019-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (CA)

A Law Corporation : Patenaude and Felix from XXXX XXXX, CA, www.pandf.us, sent a collection letter to relatives around XX/XX/XXXX. The letter alleges {$5300.00} is owed on a XXXX XXXX credit card closed XX/XX/XXXX. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in XX/XX/XXXX. It is now almost 15-20 years later and the new collection corporation Patenaude and Felix is attempting to collect on a debt that is no longer owed, and not valid, completely unlawful. In addition, the letter was sent to relatives to their XXXX XXXX which I  have never used.
Consumer complaint received 2020-01-09
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. (FL)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. Because I dont recognize these debts.
Consumer complaint received 2022-01-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (NJ)

The second lienholder, mortgage company ( Shellpoint Mortgage ) stated that they closed out this loan and sent it to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's and deeds office is supposed to record the release discharge of the mortgage. I have attached a copy of the letter from the mortgage company ( Shellpoint Mortgage ). I have called the XXXX XXXX 's office many times to get information about this matter. II have called the ( XXXX XXXX XXXX 's office and Shellpoint Mortgage ) They have not given me any confirmed information to me. I would like to make sure this is discharged, released per as the letter states. I had considered filing a complaint with the court if I am unable to successfully get information about the release. I need a copy of the proof for my records once it is released and or discharged. We can have someone look into the matter and reach out to the CEO 's ( whoever oversees the XXXX XXXX XXXX 's office and Shellpoint mortgage.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.
Consumer complaint received 2023-02-12
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. (GA)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
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. (MD)

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX Bank 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 an account without my written instructions.
Consumer complaint received 2022-12-13
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. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE CONTACTED THIS BUREAU A NUMBER OF TIMES STATING THESE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME. THEY ARE FRAUDULENTLY OPENED. I DID NOT AUTHORIZE OPEN THESE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY BECAUSE THEY HINDERING ME. 
XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4500.00} XXXX {$660.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$860.00}
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Settlement conference hearing at courthouse with Bank of America XX/XX/2019. They gave me a year to sell the house on my own after obtaining a realtor and following other steps which the year wouldve started end of XX/XX/2019 beginning of XX/XX/2019 because I had to fight to get the steps accomplished getting the paperwork in when they would say they didnt receive it & set it for sheriff sale saying I didnt comply. Then they would see that I did and stop it. This happened a handful of times. I complied as best as I could and everything was on time. I did everything they asked me to do and they dont want to hold up to their end of it.
Consumer complaint received 2023-12-28
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. (FL)

I am writing to express my concern regarding these unauthorized and fraudulent inquiries ( XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-05-24
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX