davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP (NJ)

XXXX filed a Notice for Wage EXECUTION, by PRESSLER & PRESSLER and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to XXXX XXXX and sold my information to Pressler & Pressler, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report PRESSLER & PRESSLER for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX 2009 my XXXX XXXX services account was paid in full. However, it is reporting late on my Transunion credit report and it has been removed from all other reporting agencies. The account was paid in full within XXXX days.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bureaus produce a credit score, but refuse to explain how they calculate the score. they provide reasons as to the scores being low, but refuse to give specifics. 
For example, they will tell you your credit limit on your revolving account is too low, but my highest limit is XXXX. But they wo n't tell you what the limit should be. 
Given that this impacts my future credit applications/interest rates, they need to be transparent about this black box, or at least answer specific questions directly.
Consumer complaint received 2023-07-29
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. (MO)

Personal Information : XXXX reporting incorrect Date of Birth ( can provide documentation verifying this ) Current address is incorrect ( can provide documentation verifying this ) Remove all employers except XXXX XXXX XXXX  Inquiries : Transunion shows XXXX while XXXX and XXXX XXXX 4-5 Please resolve the inquiries Account History XXXX XXXX XXXX XXXX Not reporting correctly with all Transunion, XXXX, and XXXX Information XXXX XXXX XXXX XXXX XXXX not XXXX correctly Information updated XXXX XXXX XXXX Information not reported correctly Information updated XXXX  XXXX Information not reported correctly Information updated XXXX XXXX Information not reported correctly Information updated XXXX XXXX XXXX not reported correctly Information Updated XXXX XXXXXXXX Date opened, High Credit, Credit Limit , and Payment History not reporting correctly. 
Please update XXXX XXXX Transunion and XXXX XXXX not reporting correctly Please remove XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXXXXXX XXXX not reported correctly Please update XXXX XXXX XXXX XXXX not reported correctly, account charged off as a loss and sold Please remove for inaccuracy XXXX XXXX XXXX XXXXXXXX Information reported incorrectly, account paid but shown as derogatory Please remove for inaccuracy XXXX XXXX XXXXXXXX XXXX reported incorrectly Please close for inaccuracy XXXX XXXX XXXX reported incorrectly Please update XXXX XXXX XXXX reported incorrectly Please update
Consumer complaint received 2021-11-06
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: Synovus Bank (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on 1STPROGRESS/XXXX/ XXXX Balance {$55.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a credit application in the mail and i know it was n't myself that applied for said credit, so i tried to obtain my credit report and it stated that my address is incorrect and i have lived at said address for 8 years. .. Please I was already a victim of identity thieft in XX/XX/XXXX my tax preparer stolen my info as well as my children and spouse due to this he was able to file my tax returns but the irs worked with myself very closely and corrected my return and i received it in XX/XX/XXXX.. Please something is n't right
Consumer complaint received 2023-02-08
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. (MO)

When I investigated my credit report once again, I realized that some of the accounts were erroneous and unverified. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-19
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. (FL)

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-08
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and 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
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB Corporation (GA)

USCB corporation is looking to collect a debt that was meant to be paid over a year ago. There are no late payments to backcheck this debt. There are different dates with each credited. XXXX had it on XX/XX/23. XXXX on XX/XX/23 and XXXX on XX/XX/23 if that was not enough there is no payment history from any of these to back this debt up. They have also stated that even if the amount is paid, the collections would not be removed and could not be removed by anyone. I have no contract with this company. Noting saying I have a responsibility to pay this money to them.
Consumer complaint received 2023-07-29
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

A few weeks back I was in a harsh car accident which caused me to have to reschedule my mortgage payment. I scheduled a payment for XX/XX/2023. A few days before the XXXX, I called SLS and canceled that payment. On that same call, Specialized Loan Services set me up a new arrangement for XX/XX/XXXX. A few days later SLS called me and said they canceled my XXXX payment, and told me I could no longer use my checking account. Stating because my payment for XX/XX/XXXX did not go through. I asked why were they trying to process the canceled payment knowing it wasnt going to go through?? The company already had reset a new one on the same call. The agent then verbally bullied me, attempted her fear tactics, and then took away my checking rights.This company has consistently made attempts to create difficulties on my account. All in order to activate foreclosure. I had already reported specialized loan services to FHA almost XXXX months prior to this incident, for unfair and unethical practices on my account. My lender SLS, has yet to respond to my complaint. Even though FHA has required them to contact me. Ive made several complaints about Specialized Loan Services and how extremely dishonest they are. In return SLS simply fabricates a response. There are hundreds of complaints against them, but somehow they are still allowed to practice. When I have a complaint towards them, I am threatened with foreclosure. My principal has been inaccurate for many years, I have consistently & constantly made them aware of the inaccuracies. I am then told to pay on the inaccurate amount, or I will be foreclosed on. No attempts will be made to correct my principal. My mortgage statements are entirely wrong. I dont know what to do because this company only shows aggressive signs towards foreclosure. Please assist.
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (MD)

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 2015-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

After getting denied a loan modification and then denied a repayment plan, I applied for a short sale with Ocwen almost 2 years ago. Since then I have lost 3 buyers. I send Ocwen everything they request in a timely manner but they still call and email saying they need everything that has already been sent. Whenever I call, I get told something different every time. I 've been told it is approved then call back asking for the approval letter and told it is still under review. The files stay " in review '' for months. Whenever I ask for a manager I am told none are available but will call you back, yet I never receive a call back. They are forcing my property into foreclosure.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute and request an immediate investigation into several accounts listed on my credit report, which I believe are the result of fraudulent activity. I request that the following information be promptly removed from my credit report as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts : XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX  XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX Fraudulent Names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I declare that I did not authorize or engage in any transactions associated with the aforementioned accounts, addresses, or names. The inclusion of these items on my credit report is damaging my creditworthiness and has caused significant distress.

I request that you investigate these fraudulent entries promptly and take the necessary actions to remove them from my credit report in accordance with the FCRA. I also request that you provide me with a copy of my updated credit report after the completion of the investigation.

Furthermore, I would like to draw your attention to the following consumer protection laws, which support my dispute : 1. Fair Credit Reporting Act ( FCRA ) : This federal law stipulates that inaccurate or fraudulent information must be promptly corrected or removed from a consumer 's credit report.

2. Fair Debt Collection Practices Act ( FDCPA ) : Any attempts by collectors to collect on these fraudulent debts violate the FDCPA, and I expect them to cease all collection activities immediately.

3. Identity Theft and Assumption Deterrence Act : This law criminalizes identity theft and requires creditors to investigate and resolve identity theft-related disputes.

I appreciate your prompt attention to this matter and expect a thorough investigation. Please provide written confirmation of the actions taken and the resolution of this dispute.
Consumer complaint received 2023-07-29
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. (FL)

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.

The letters are stated with items and issues.

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 2023-07-29
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. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (ME)

I m a victim of scam on coinbase. 
Someone had stolen XXXX $ out of my wallet. 
And coinbase have not done anything about it. 

My complaint letter is attached on bottom Please help me on this terrible situation
Consumer complaint received 2023-02-08
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. (LA)

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 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 2022-05-17
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. (CA)

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 

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 2015-04-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (NJ)

Upon reviewing my checking account with PNC Bank, I noticed XXXX transactions of {$50.00} each that I did not make which posted on XXXX/XXXX/15. I filed a transaction dispute with PNC ( reference number # XXXX ) and was issued a provisional credit of {$100.00}. When I contacted the bank about the dispute, I was told I could contact the business ( XXXX ) directly at : XXXX and try to find out additional information on whether or not the pre-loadable XXXX card was purchased within a store or online. I contacted XXXX & gave them the XXXX card number of the card ; however, due to " security concerns '' the representative on the phone was unable to give out the full XXXX digit card number, and referred me back to PNC. When I contacted PNC & asked for the number, I was told the same thing. I find it disheartening that someone can commit fraud against my checking account and purchase a preloadable XXXX card using my debit card information, yet when I try to find out the full XXXX digit account number listed on the XXXX card, I am prevented from getting it citing privacy reasons. It feels as if the perpetrator who did this is being protected while I am literally paying for his use of the card. All I wanted to do is to trace the source of the card so that I can file a police report & get this person arrested because it would n't surprise me if he/she is committing the same type of fraud against other people.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.