davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp. (TX)

On XX/XX/XXXX, TrueAccord contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by XXXX XXXX, XXXX. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me. 

On XX/XX/XXXX, TrueAccord contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX  in XXXX ( {$350.00} ), which again was purchased by XXXX XXXX, XXXX. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX  and I believe they are again emailing an incorrect address. 

Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at TrueAccord.

Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like TrueAccord to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.
Consumer complaint received 2021-05-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

And sent me a letterTo whom it may concern, I sent a certified dispute letter to Transunion back on XX/XX/2021 asking them to validate and verify a bankruptcy placed on my credit report. Transunion stated that 3rd party company ( XXXX XXXX ) verified Bankruptcy as accurate. Transunion sent me a letter on XXXX XXXX stating account was accurate. I wrote XXXX XXXX and asked them for there method of validation. XXXX XXXX could not Validate or verify Bankruptcy. I sent a second certified dispute letter on XXXX XXXX along with letter from XXXX XXXX. The letter from Lexis Nexis stated, they were unable to verify the accuracy of the bankruptcy that Transunion stated was accurate. Transunion received my certified letter of dispute back on XX/XX/2021 and have not responded to me therefore, exceeding the 30 day response required by the FCRA. ( Please see the attached documents provided below )
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (CT)

DISPUTE CODE - 103 My personal information was stolen in XXXX since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, Experian and XXXX credit bureaus. I would like this account deleted from my credit report profile. 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 handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across XXXX, XXXX and Experian credit bureaus. I would like this account to be removed from my credit report profile. 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 handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-03-12
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. (GA)

On XX/XX/2022, I mailed letters to all three credit bureaus disputing the inaccuracies on my credit report and requesting the removal of those accounts. To date, I have not received any correspondence from Equifax as to the results of my request.
Consumer complaint received 2022-10-12
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. (CT)

( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 03/02/2022-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-01-20
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Upon reviewing the personal information section of my credit report, I noticed that they were several outdated and or incorrect personal information on my credit report. I would like those items removed from my credit report due to them being outdated or incorrect. I have listed the information below : Remove the following names : XXXX XXXX Remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Remove the following employers : XXXX XXXX, XXXX XXXX Also please remove the following birth date : XX/XX/XXXX My actual birth year is XXXX.
Consumer complaint received 2022-09-27
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)

In accordance with the Fair Credit Reporting act inquiries XXXX XXXXXXXX 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 2020-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MI)

I had got a free trial from XXXX XXXX and XXXX20 they took XXXX out my checking account i want my money back!!!!!!!!! I didn't even finish the free trail and im been charged!!!!!!!!!!!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This was my follow up complaint to you today regarding my issue of being victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-12
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. (CA)

Please see attached. The loan from XXXX XXXX XXXX  is not a mortgage or heloc and is inaccurate. Please remove this from my report. The attached letter was sent in today 's mail via certified mail.
Consumer complaint received 2022-07-07
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. (NC)

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-01-22
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-10-16
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: Experian Information Solutions Inc. (PA)

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 XXXXXXXX # 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 2022-10-12
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. (AZ)

My report 's list of inquiry was inaccurate. I sent it to the credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the inquiry listed below. 

XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-07
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. (SC)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXXXXXXXXXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

In XX/XX/XXXX I applied for and received an ad valorem property tax exemption from the XXXX XXXX XXXX XXXX for a total and XXXX XXXX tax exemption. 
I called PHH Mortgage on XX/XX/XXXX to advise them of the XXXX exemption because they were charging me for county taxes in my escrow payments. I was advised to send a letter to their tax department at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, which I did, including our address and loan number as well as a copy of the letter of exemption from XXXX XXXX. 
By XX/XX/XXXX, I called them to ask what the status was, and was told that they had no record of having received any such correspondence. I was told to email the information to : XXXX I emailed them a copy of the aforementioned letter from me as well as the XXXX XXXX XXXX XXXX letter of exemption. I also sent them hard copies to the Tax Department in XXXX XXXX XXXX, this time return receipt via USPS. 
I called PHH Mortgage Services again on XX/XX/XXXX, and was told they still had not received any information, regardless that I had the signed receipt from them. I was transferred to an Escalation Manager named XXXX, who promised me that he would personally look into the situation. He asked me to email him all of the information to : XXXX and promised to call me by XX/XX/XXXX. 
On XX/XX/XXXX he left a message on my phone, and I called him back at XXXX XXXX, and got voicemail, and left him a message. On XX/XX/XXXX he called and left me a message again, and when I called back I got a woman who said she would assist me. 
She called the XXXX XXXX XXXX XXXX while I was on the line and was told that my taxes for XXXX would be XXXX, and there were no ad valorem assessments on my property. 
The lady at XXXX then told me that they would continue to collect the tax escrow monies until that time, and then, and only then, if there were no taxes due they would reimburse me for the monies they have been charging me for taxes since XXXX, XXXX, the yearly total would be {$2800.00}
Consumer complaint received 2022-10-15
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC (SC)

XXXX XXXX XXXX installed solar panels and a metal roof on my home at XXXX XXXX XXXX, XXXX XXXX, SC. 
Was financed by Loanpal ( now known as Goodleap ). I attempted to refinance it because I was getting charged interest only. They were giving me false information and lies about the rebate from the government on taxes. 
In XXXX I tried to get a refinance and they said they were going to send someone out to fix the panels and roof. When informed that I was on unemployment they stopped trying to help me and kept sending me late payment emails and notice of disconnect of my solar panels ( which has been disconnected. ). When I attempted to contact the number given to me ( XXXX The agents name was XXXX. ) to get someone to fix the damage to my dinning room leaking roof, they proceeded to tell me there is nothing they could do and to take it up with my home owners. 
Now as a result of all this I have liens against my property, my solar panels to not work, my roof still leaks, and I have so far estimated a total {$15000.00} in damaged to my house. Plus the cost for repairs to the leaking roof still.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

There is a closed account on my credit report ( s ) that is still reporting late payments, and in addition to that, all of the credit reporting agencies are reporting inaccurate information in regards to XXXX XXXX XXXX They all display different balances, open & Closing dates and payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD {$520.00} Balance Opened XX/XX/2017 2017