davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (MO)

On  X/X/17    I was approved by  XXXX   XXXX  to refinance my first mortgage with them. It was just a straight refinance of my balance. I have a second mortgage held by  XXXX .  XXXX  faxed them the subordination paperwork on  X/X/17    and several days later they told  XXXX  that  XXXX  of the forms were not legiable.  XXXX  re-sent the forms again and a few days later, the got the same response.  XXXX  also sent the forms via email and they claimed they could n't read the email. I along with  XXXX  have contacte d Ditect n umerous times and they keep giving the same response about not being able to read the forms nor the email. I have lost count how many times  XXXX  has faxed or emailed them the forms with the same response. I called Ditech on  X/XX/17    and asked to speak with a supervisor and they claimed one was not available and they would call me back. As of  X/XX/17    no one has contacted me. I called them on  X/XX/17    and asked to speak with someone in the subordination department and they are telling me that they have no phones there and the only way to contact them is by fax. This fiasco had been going on for over a month and I am sure that Ditech is just giving me the runaround and hope I just go away. This refinance is a HARP refinance and according to  XXXX  they have never had a problem getting the subordination done by any other companies. I really need help with getting this done before I lose my low interest rate.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I made a dispute to transunion about the inaccuracies on my credit report .during the 30 days the creditors has not notified me of The debt they are claiming I owe.the agency are in violation of 15 usc 1692g and reporting these accounts are in violation of 15usc 1681 a ( 2 ) ( b )
Consumer complaint received 2023-04-19
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. (WA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these fraud items in my credit 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
Consumer complaint received 2024-02-27
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-14
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inq

uiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-19
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. (NY)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$40.00}. Please update.
Consumer complaint received 2024-10-14
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)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Trafficking Block Request To Whom it May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NONE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts- Account Name XXXX & XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX 

Account Name XXXX XXXX XXXX Account Number XXXX INQUIRIES- XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Enclosures Proof of identity Trafficking documentation
Consumer complaint received 2024-10-14
Product: Credit reporting 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)

Incorrect information about me that is being reported on my credit report is why I'm writing. Even with corroborating evidence showing the information is false, the report is nevertheless accepted as true.

The Fair Credit Reporting Act ( FCRA ) compels credit reporting organizations to look into and fix errors ; this lack of repair is a violation of 15 U.S.C. 1681i. I am asking that the errors in my credit report be fixed or removed, and that you look into this situation again right now.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (MI)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2021-04-30
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: DISCOVER BANK (LA)

Ive checked my credit report and notice unauthorized inquiries on my report from Discover Financial Service. I have never authorized it and that the creditor did not have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I called Discover and ask them to verify and validate and see me physical proof that I applied for this. Upon talking to the company they could see anywhere is there system bearing my name or any application. They also sent a letter to my home address verifying that I did not actual apply for credit. I called the credit bureau and I also disputed the inquiry and I with uploaded the letter that Discover provided me. XXXX told me that Discover would have to send them a correspondence stating for them to remove the inquiry.
Consumer complaint received 2021-04-30
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. (TX)

I am a victim of Identity theft and I have reported fraudulent accounts to Transunion, to remove account. I have provided copies of my US Identification, social security card, FTC report and Police Report.
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Business and Consumer Solutions. (IL)

Someone opened a account with XXXX using a different address than mine. I was contacted by XXXX regarding this and squared it away with them. I started receiving daily calls from FCBS Services. The first time I answered a call from them, they started asking me to confirm personal information, but without telling me in to what this was regarding.I told them I would not confirm any personal information like my address and last XXXX of my social security unless I knew in what to it was regarding. After some back and forth I just hung up. They continued to call back every day. I received a letter from them and learned as to what this was regarding. They were trying to collect for a XXXX account opened in my name, but never paid the outstanding balance. I called XXXX and talked with them and they confirmed my account was up to date and the account that was trying to be collected was closed. I filed a report with XXXX 's fraud department. I also found the fraudulent address on my XXXX credit report and contacted them and they had it removed. I tried answering a call from FBCS Services and explaining to them the circumstances, and they still insisted on confirming my personal information like my address and last XXXX of my social security. I told them that I did n't feel comfortable confirming personal information since this is a case of stolen identity and they could n't help me without the information and hung up. Since they have continued to call every day bringing me great stress and worry that this will show up on my credit report.
Consumer complaint received 2017-07-21
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. (NY)

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (IL)

I have received a collection notice from Linebarger Goggan Blair & Sampson for {$18.00} for License # XXXX. Their office confirmed that this is for tolls incurred in XXXX via Florida 's XXXX XXXX. In the time I have owned this vehicle and had this license plate, it has never been near XXXX. The office is uncooperative and unwilling to adjust the debt.
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

After numerous attempts in And complaints through The CFPB and disputes through trans union I finally have been able to Confirm that And then cleared of The debt owed. XXXX XXXX in CT As confirmed my Health insurance was active back when debt occurred And are to be billed for the money, The result of this debt has caused me to have a derogatory report with Transunion As well as XXXX While XXXX has removed the Derogatory mark About XXXX XXXX years ago Transunion still Hold it As true. Attached please find the written letter from XXXX XXXX Admitting to the error end also requesting that Trans Union remove this from my credit report as soon as possible.
Consumer complaint received 2023-01-27
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. (IL)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2016-08-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

This problem started last year XXXX of XXXX in XXXX XXXX Texas. I 'm a XXXX veteran XXXX I turned all the paperwork in the month of XXXX XXXX when I retired from the military XXXX/XXXX/XXXX. The taxes district appraisal had my paperwork and said that they would send my documents into my bank. My bank, US BANK never received the documents. The District Taxes Appraisal said " It would be sent out in the month of XXXX, US bank would receive by XXXX they the mortgage rate would be changed then ". I called my bank in the month of XXXX or XXXX after leaving the District Taxes Appraisal seeing if they received my documents the rep from US bank said NO. the rep stayed on the phone as they talked & talk with the rep from the district appraisal. Nothing happened XXXX had n't done there part to send documents in. In the month of XXXX was at XXXX from the Department of the military. I turned those documents in my bank, through the district appraisal. It went in right away. Previously I received documents from US BANK stating that my mortgage would be at {$1800.00} starting the month of XXXX till there were new document to prorate & there would be a new mortgage balance. The bank totally ingored my documnets. I had my documents turned in on time before they sent the new bill of XXXX. I 'm curently behind on mortagae due to this. I 've had XXXX diffrenet amounts for mortgage. Being at XXXX my mortgage is XXXX ... Other veterans I 've spoken with is also in XXXX XXXX of XXXX XXXX their 's mortgage is in the low {$800.00} or high {$900.00} same square footage as well. I 've never been late on mortgage payments until XXXX XXXX US BANK old me they had noted my account several times with information once I missed payments they did n't know where notes had went, it 's as if they did a XXXX ' degree turn on me I felt like I was be abused by they mortgage company please help