davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (ME)

I XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me XXXX XXXX XXXX XXXX XXXX, at this moment this crooked debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to follow up on my ongoing dispute regarding unauthorized inquiries on my credit report. Despite my previous communications, I am disappointed by the lack of progress and satisfactory resolution to my request. It is evident that there has been a lapse in your process, as I continue to receive requests for additional documentation without any indication of meaningful investigation into the matter.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The County Recorder of deeds and the bankruptcy courts have both mailed me letters stating that they do NOT provide any information to credit reporting agencies nor do they ever validate and or confirm public records.
Consumer complaint received 2022-11-15
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: HW Holding, Inc (CO)

This debt is for an apartment we lived in. The complex sent us a detailed bill and we agreed with half of the amount they showed we owed. The other half are for items/problems that do not exist. We took pictures and move out videos so we have proof. However, the complex has not been interested in our proof and still have the amount on our credit report as a collection acct.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2022-11-15
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. (TX)

Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to XXXXXXXXXXXX  have by law 30 days and i have been disputing the same errors for well over a XXXXXXXXXXXX  received no responce from any one of the companies with the certified letters sent the first of XXXX XXXX alone violates the laws governing their right to report unverified XXXXXXXXXXXX  can you say its been verified when you all show accoubts that were never late yet you show derogatory payment XXXXXXXXXXXX  of these accounts are over XXXX years old and have had XXXX balances for XXXX or XXXX  years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXX is that possible on an account that has been paid off since XXXX all have notified me that you verified this XXXXXXXXXXXX  you have not or you would see you are in violation and reporting false information that is hurting my ability to XXXXXXXXXXXX  look at the XXXX credit all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this XXXX show it as a 60 month XXXXXXXXXXXX  you look at your own report you will see that i have had that account for XXXX  years, Also it is current and no past due balance is XXXX again false information that you repeatedly claimed to have XXXX a company called XXXX XXXX  has repeatedly had hard pulls on my credit that i have not ever XXXX have never had any loans with them other then XXXX of my credit cards is through their company and XXXX  XXXX  uses them for offering loans that i never asked for.They show over XXXX hard pulls on my report with them alone.How can this happen if you are following the XXXX Texas staute of limitation on debt is XXXX years but you have multiple XXXX year items reported on my reports.How is it possible that you actually verified the information like you have repeatedly stated to XXXXXXXXXXXX  am XXXX  to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified XXXXXXXXXXXX  will be my last attempt to handle this XXXXXXXX it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.
Consumer complaint received 2022-11-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

Fay Servicing started paying my property taxes in XX/XX/2022 and when I called several times in XXXX and XXXX and asked why Fay all of the sudden started paying my property taxes ( after 16 years of me reliably paying them on my own ), I was told by their customer service representatives XXXX XXXX, XXXX XXXX, and several other representatives that Fay Servicing had received a delinquency notice from XXXX XXXX XXXX XXXX XXXX that asked Fay to pay my taxes. I asked every one of these customer service representatives to send me a copy of this letter/notice claiming I was delinquent. 
I followed up with this request several times in writing on XX/XX/2022, XX/XX/2022, as well as XX/XX/2022, however, I have not received a copy of the notice/letter Fay claimed to have received from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX other taxing authority.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Upon moving to XXXX  alone, I decided to get a dog. I located a french bulldog breeder on XXXX and " reserved '' XXXX of their puppies on XXXX XX/XX/2022 for {$350.00}. I requested a couple weeks to move into my new place then I would pick up the puppy. We corresponded regularly, sent pictures and videos and kept in communication regarding timelines and health of the puppy. Once the " puppy package '' was completed, the breeder requested another {$350.00} which I sent on XXXX XX/XX/XXXX. The day before I was to pick up the puppy, the breeder requested the final payment of {$700.00}, which I paid on XXXX XX/XX/2022. The next day after work, I drove to the address in XXXX, XXXX  provided by the breeder. I arrived at the location around XXXX, and the person at the house informed me there was no puppy there. I reached out to the breeder to confirm address and was immediately blocked. During my drive back home, I contacted my bank ( USAA ) to file a dispute for all three of the XXXX transfers. Yesterday, XXXX XX/XX/2022, my bank informed me they had reviewed the policies and regulations and decided in favor of seller. XXXX holds the money sender liable even if the seller does not provide the goods as promised. There is no buyer protection when using XXXX. USAA requested the external institution of the seller return funds, and they declined. As of today XXXX XX/XX/2022, I have requested the documented used to decide in the favor of the puppy scammer.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

XX/XX/2022 XXXX ;. Frost Bank account ending... XXXX Frost 's banking records indicate that an account was opened in my name on XX/XX/2022. 

I have received several emails and letters regarding fraudulent activity. From Social security, to XXXX accounts to checking accounts.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I, XXXX XXXX XXXX, never gave ( TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following inquiries & accounts : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I have debt that I am willing to pay but XXXX will not work with me for a payment that will not hurt my current rent and ablities to care for my daughter. I have called mulitpule times to speak to someone about lowering the payments with no call backs.
Consumer complaint received 2022-07-13
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. (HI)

This is my 6th attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/2018 XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/2018 XXXX  XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$270.00} XXXX/XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX  Balance : -
Consumer complaint received 2022-07-13
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. (CA)

In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX not provided XXXX {$1400.00} 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 In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act A, 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

on XXXX revived a letter by mail where they inform me that I'm behind on my mortgage. I call and after 5 hours of waiting I showed them that they were wrong in XXXX XXXX XXXX my payment was XXXX. 
on XXXX we send payment and to the end of same month we send payment for XXXX the PHH company when they receive the payment and find out was short XXXX they decide to apply my payment to my principal with out authorization of of me or my wife. no call no email from PHH Mortgage and now they want late fees they report to the credit company 's. I spoke with the scalation team name XXXX employee # XXXX they told me they going to try to fixed. and after got another letter on XXXX where the try to charge me another XXXX for escrow same thing call and to today no respond from them. 
the problem with the company all the call go to XXXX over there no idea how or who can fixed. 
My NamXXXX XXXX XXXX XXXX # XXXX. I need help they need to they need to return the charges and fix my credit
Consumer complaint received 2024-02-09
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. (NY)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-07-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MS)

I Sold a home via an assumption on XXXX XX/XX/2022 to an other Veteran all docs where signed with notary. I was payed on XXXX XXXX XXXX when wire cleared. 
The deed recorded on the XXXX of XX/XX/2022 with XXXX XXXX in Arizona. 
I had payed XXXX note. I stared receiving Emails and letters from Rocket mortgage. I spoke with them on the phone and via email regarding home insurance and XXXX monthly payment. On a home that was sold and keys where given to the new owner. 
on the XXXX XX/XX/2022 my Credit monitoring showed that my score dropped significantly and I had a missed payment. I have all closing docs and viewed deed via XXXX XXXX web site. I also spoke with title.
Consumer complaint received 2021-08-11
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. (FL)

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to experian, XXXX and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Consumer complaint received 2023-04-08
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. (SC)

I have asked for a signed document showing that I have a student loan for {$9600.00}. When I look at my FAFSA profile, I have no loan posted for XXXX XXXX XXXX XXXX  The student loan is reported to my Equifax Credit Report. I have tried reaching out to the school, credit company, and FAFSA. When I spoke to the representative at FAFSA, I was told that I do not have a student from what they could see for XXXX. I have called XXXX on several occasions and no answer from the school. Equixfax keeps reporting the loan with the account number XXXX with an open date of XX/XX/2020.
Consumer complaint received 2022-11-15
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. (AZ)

I have several fraudulent inquiries on my consumer profile that I did not authorize and they need to be removed immediately as per regards the FCRa law 605B and FCRA law 1681 ( a ) ( e ). The Inquires are as follows : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XX/XX/22, XXXX XXXX. 

All inquires are fraudulent where contained without my consent and are violating my. Consumer rights and the statue FCRA15 USC 1681ae and FCRA 605B and therefore must be eradicated in 4 calendar days or I am to be compensated $ XXXX damages and defamation per Inquiry totaling {$15000.00}
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-09
Product: Credit reporting 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)

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.

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.