davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

We have attempted to modify my mortgage that was serviced originally by XXXX XXXX and most recently with XXXX XXXX. I have called XXXX to help us with our modification to keep our home. We provided all the documents that were requested. On XX/XX/2019 we received a letter from XXXX XXXX thanking us for submitting a request to be considered for our loss mitigation programs. They state they were submitting our application to underwriting. We do not need to submit more information at this time. If they need more information they will send a written notice of the additional requirements. They will contact us within 30 days. However on XX/XX/2019 we have received Late Payment notices with late charges as if we are not working with the lender. The delinquency notice states that they have made the first filing or notice to commence foreclosure of this loan account. 
We received a letter from XXXX XXXX  on XX/XX/2019 regarding : Loss Mitigation Review and the Loan Modification was Denied. 
The letter states the reason not eligible for forbearance or a loan modification agreement because : I did not submit sufficient information for them to review the application before the deadline and to see previous letter that was sent to me. What I received I did send to XXXX and they said they forward everything they asked for to XXXX  XXXX. 
We are not eligible for a Short Sale or Short Pay resolution because they have concluded the property value upon sale should be enough to pay the outstanding loan balance in full. 
I would like my information reconsidered for better options to keep our home.
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (FL)

The following credit inquiry was made, this was not me. I have submitted police report and ftc complaint. experian has not removed this from my file. 

Account name XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unsecured. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-10
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'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I asked that XXXX, equifax, and XXXX  delete and remove inaccurate information from my credit report they are showing third parties on my credit report that are attempting to collect a debt that I had No binding contract or agreement with on behalf of the original creditors. Original creditors are XXXX XXXX XXXX  that I had a contract with not XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX contact number is XXXX also known as XXXX XXXX. Other said account that I have no binding contract with is XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX contact number is ( XXXX ) XXXX original creditor was XXXX XXXXI demand these said accounts be removed from my credit report due to inaccuracies I have, nor had any association with the following third party businesses nor did I have a binding contract with the said stated third party businesses and they were not granted permission to any of my credit reports or credit files by me instead its was through the original creditors in attempt to collect a debt. By law they are not allowed to access or report any information pertaining to the original accounts without a binding contract these are third parties instead of the original creditors that I did have a contract with I demand these accounts be removed from my credit reports with all three credit bureaus XXXX, XXXX, and equifax immediately
Consumer complaint received 2023-01-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

Mother passed away XXXX, my father informed us that he sold the home when in fact he rented the house out and the mortgage was being paid directly to the mortgage company until the person renting the home passed away unbeknownst to my father, Father relocated and didn't receive any of the mailing regarding the home. We were unaware the home was going into foreclosure until late XXXX, when it was discovered, the home was not sold, and the tenant expired XXXX. My father can not afford the mortgage as he is living on SSI. We are doing everything possible to pull the home from foreclosure and Sheriff sale to get it sold.
Consumer complaint received 2022-05-27
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} XXXX Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$800.00} XXXX Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.
Consumer complaint received 2021-12-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NY)

I bought out the lease for a XXXX XXXX XXXX in XXXX, XXXX and I have still not been able to get US Bank to release the title to me. I have been to the DMV in my state and they said that US Bank has had the title since XXXX. I have a bill of sale and a copy of the title but no actual title. I have carried insurance on the vehicle to protect my investment but can not drive the car. I call every week and I get no where in resolving this matter.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and/or unfair. The following accounts and inquiries are causing significant financial hardship and emotional distress : XXXX  XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX  XXXX XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX  Bankruptcy XXXX I understand that some of these accounts may have been delinquent or charged off, but I dispute the accuracy of the reporting and the collection methods used. I also believe that some of the inquiries were made without my knowledge or consent, and may be in violation of consumer protection laws. 

I am emotionally distressed by the impact these items are having on my credit score and my ability to secure loans or obtain housing. I believe that the practices of the companies reporting these items and making unauthorized inquiries are unethical and potentially illegal. 

I request that you investigate these items and take appropriate action to correct or remove any inaccurate information from my credit report. I also request that you take action to prevent these companies from engaging in unfair or illegal collection practices and unauthorized inquiries in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-27
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

There has been four hard inquiries in the month of XXXX which has impacted my credit score on Equifax. The first mistake was a report of secondary account opened at XXXX, I was easily able to dispute this problem which decreased my credit score by XXXX points I called the bank immediately and found no other account open under my name which I reported to Equifax, the second inquires were back to back in the order of XXXX ( XXXX ), XXXX XXXX XXXX  ( XX/XX/25 ), XXXX XXXX XXXX  ( XX/XX/25 ) and XXXX XXXX XXXX ( XX/XX/25 ). I called Equifax immediately about these inquires and were met with unhelpful responses, which lead me to ask more questions such as l, whats the name on this account. This inquire turned out on their system that Equifax combined my brothers name with my account, I have explained throughly this is not possible since I have had my account longer then his, they are aware this is their mistake but refuse to do anything about it other then to send in my SS card, Driver license and letter of why Im requesting this change. After doing this they still will not remove the inquires though they have made the mistake in the first place. All the other bureaus have not made this mistake and are reporting correctly.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

TRANSUNION XXXX : XXXX XX/XX/XXXX 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
Consumer complaint received 2019-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (IN)

I am getting calls a minimum of three times a day, usually every hour starting at XXXX XXXX   EST. 
Example : XX/XX/19- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/19- XXXX XXXX, XXXX XXXX, XXXX XXXX Not only do they call multiple times daily, they will call from an anonymous number and leave ( sometimes ) multiple prerecorded, nonspecific voicemails.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I have a Wells Fargo Bank credit card since XXXX and sometime last in XXXX precisely, I got a mail that I have exceeded my credit card limit. Immediately, I rushed to a near branch in XXXX XXXX. Then I discovered some fraudulent transactions ( up to 12 different purchases ) done on XXXX shopping platform totaling {$2900.00}. I immediately reported it which they reversed initially and later returned back in my account. Someone called me and said that those transactions were legit, that i committed them by myself. 
Secondly, I applied for Expediate action with Police case # XXXX for the second time and they still rejected my complaint saying that I committed those transaction. Then I used my lawyer to write to them which they acknowledge but they still rejected my complaint. I do not know what else to do here
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, 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. (CA)

Disputed Inquires Date XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-05-27
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions
Consumer complaint received 2023-06-02
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. (NV)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an 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
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: The Capital Good Fund (FL)

I received a loan for the amount of {$1500.00} from Capital Good Fund on XXXX XXXX XXXX This company appears on its website as if they are helping XXXX  with lower interest rates for loans which is not true. They are using and XXXX XXXX. I sent them an email in XXXX and asked for payment deferral to XXXX. They charged my account for XXXX and XXXX in the beginning of XXXX. I was in the process of moving and I applied for a mortgage. Then I realized that Capital Good Fund put a derogatory mark on my credit as if I had a pastdue balance for 2 months whereas I had no pastdue balance. I got denied for mortgage. I could not apply for rental apartments when my credit score fell XXXX points down due to this incorrect reporting by this company that was supposed to be helping XXXX I spent a lot of time with disputes and complaints for 3 weeks. After 3 weeks of stress and complaining, the negative comment on my credit was deleted and their representative sent me an apology email. An apology email is NOT enough for ruining my plans. I ended up paying {$250.00} more rent every month because of this company. I demanded them to waive the remaining balance which is around {$1100.00} for their negligence that affected my life severely. But they refused. I will not make any future payments to this company that destroyed my plans and my economic situation. If I am paying {$250.00} more rent every month because of this company, they are liable more than just a simple apology.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I received my annual credit reports from the three reporting agencies, Experian, XXXX, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had 9 inquiries on the Experian report, and several on the other two agencies. I spoke with a representative at Experian then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against Experian and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.