davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-10-27
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-19
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 want to inform the 3 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 ) 3 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
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

Paypal has permanently closed my account and literally sentenced me to death as I am a XXXX content creator and literally have no other means of receiving payments to provide for myself as the result of a data breach that has spanned months over multiple accounts of mine and confusion over transactions leading them to I can only assume though they haven't clearly specified why to permanently " limiting '' my account. I will literally die now without assistance. This happened today XX/XX/2022. I was given little to no explanation, and had prior to this during the last 62 hours informed them of a data breach and my accounts being hacked, beyond just PayPal. I attempted to contact customer service, who says they filed a 're-appeal ' but told me not to get my hopes up. I have been the victim of multiple data breaches and Phishing, including the XXXX and XXXX data breaches. I am not responsible for whatever 'reasons ' their 'back office team ' who can not be contacted according to them, decided to 'permanently limit and suspend my account '. I am now unable to pay for food, housing, or any other human necessity. If this decision is not reversed, I will likely be XXXX  very soon.
Consumer complaint received 2021-10-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

This account is fraudulent in regards that the security interest paid for all obligations. Carrington continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Carrington has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Carringtons unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
Carrington continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.
Consumer complaint received 2022-03-24
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. (TX)

I have reached out to all three credit bureaus TransUnion, XXXX, XXXX. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days XXXX will send back the debt is verified and updated. I never received a response from Transunion nor XXXX. I have requested 3x for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (WI)

In XX/XX/2020 my credit score went down from XXXX to XXXXXXXX.i checked .it said XXXX XXXX. In texas for XXXX $ .i live in wis for past XXXX yrs.i submitted all requested info and my credit went back up toXXXX .then i started to receive bills for requests for payment of XXXX $ .i ignored them.i thought it was over.in XXXX my credit went from XXXX XXXX decline.i looked up my credit there was 2 delinquent accts.1 for XXXX {$1.00} for XXXX $ both from XXXX XXXX.i called then faxed all documents requested through my social worker at the va hospital in XXXX XXXX called them the next week.they told me my file was in the fraud dept and shoul no longer be affecting my credit score.my credit score remains at XXXX.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I currently have mortgage insurance on my mortgage account. I have enough or even more than 20 % equity in my property however the current lender refuses to remove mortgage insurance of my mortgage account without making me to refinance. 
They called me to ask me to do refinance cash out since I have more than 100K equity but when I asked to remove mortgage insurance they said i dont have enough equity. 
Ive been calling and trying to reach out numerous times but they keep transfer me around and cant give information. 
They dont even give me an option to actually do an appraisal to check on the value of the property.
Consumer complaint received 2022-03-24
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: LEXISNEXIS (NJ)

I previously disputed Lexis Nexis case # XXXX in XX/XX/2022 in regards to an unverified bankruptcy on my credit report. This delinquent account is also reporting on my XXXX credit report. I called LexiNexis today ( XX/XX/2022 ) and was told that the dispute was still in progress and it has been over 30 days from when I disputed it. I also have a letter from the courts stating that they do not report to credit Bureau. The federal law requires them to respond within a 30 day window and they did not.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit bureaus show that I had an open balance of {$180.00} and the original creditor was XXXX XXXX  XXXX opened on XX/XX/2018. I disputed it but was told it was accurate and my responsibility. I have no knowledge of this. I have never had XXXX  XXXX. I would like to have it removed from my credit reports.
Consumer complaint received 2023-07-19
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. (AR)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$690.00} ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) XX/XX/XXXX ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX. XXXX, XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-15
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-11-20
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: Global Control, Inc. (PA)

I had health insurance I went to a hospital that accepted my health insurance I left the hospital I lost my job 2 years later the hospital bill showed up on my credit report Noone attempted to to collect Insurance company did not inform me that the was not going to pay This was a non emergency hospital
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity fraud threw my identity being stolen it is reported by the irs i have a code i use to file taxes because of the identity fraud also i had my info breached threw XXXX, & my info is on the XXXX web, i have multiple UNAUTHERIZED accounts & inquiries must be deleted.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC (TX)

I received a call from ELEVATE RECOVERY. The call was today XX/XX/24 at XXXX to XXXX. When the phone rang there was a pause which led me to believe it may be an automated dialer. I asked the rep if that was the case, and if so, please remove my number from the automated dialer system. She then advised, " ok so you don't want to pay your bills. '' I'm not sure who the company is, nor did I EVER identify myself as the right party contact. I believe this to be a violation of the FDCPA due to the fact the rep advised that there was a debt owed without establishing or confirming who she had made contact with.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I have three accounts that have been closed with My Synchrony Bank without my permission. All accounts were in good standing and have been paid off. The first account is a XXXX XXXX XXXX  account that had a limit of {$1200.00} that was closed on XX/XX/XXXX. The second account is a XXXX XXXX  account with a limit of {$3000.00} that was closed on XX/XX/XXXX. The last account is a XXXX XXXX account with a limit of {$1500.00} that was closed on XX/XX/XXXX. I have done a previous complaint with the CFPB on XXXX in which the company responded and stated that my account was due to their sound credit scoring system and the pull of my XXXX credit file. However, this is a direct violation to 15 U.S Code 1681a ( k ). I did not give synchrony consent to obtain my consumer file with XXXX to close my accounts on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not consent to my credit report being pulled at all.
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX / {$1400.00} XXXX XXXX XXXX XXXX / XXXX / {$330.00}
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Upstart Holdings, Inc. (NJ)

This company Upstart inform me they sold a account under my name to another company. 

Its mean they sold all my private and or federal personal information like Names and last name, adresses, SSN #, birthday and or phone numers... 

Company like this sold all information of client to other companies...
Consumer complaint received 2017-08-23
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: WELLS FARGO & COMPANY (MO)

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-23
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: SUNTRUST BANKS, INC. (MO)

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Suntrust XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
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. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in XXXX came true in lending act next in XXXX came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX  XXXX  / XXXX / {$1200.00}
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

Almost 3 months ago I was made aware that my mortgage company ( PHH ) had missed one of my tax payments. On top of this they miscalculated my property taxes and increased my escrow payment by half a grand. I have been working with them since XXXX to adjust my taxes, reimburse me for the amount in my account that doesnt need to be there, and lower my monthly payment. 

I can no longer afford an additional {$1000.00} on top of my mortgage payment monthly. However now I face this hitting my credit score if I pay them for my loan amount and nothing more. Another tax payment is due on XX/XX/XXXX and I am not even sure they will pay this on time because it is not showing up as an upcoming payment on my account. At this rate they are bleeding my bank account dry and I am forced to continue depositing into an account that collects no interest in a fear the my credit score will be hurt.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-27
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. (TX)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT AN ACCOUNT THAT DOES NOT BELONG TO ME. ALSO WRONG OLD ADDRESSES THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.