davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

For the month of XX/XX/2023, XXXX XXXX  reported a delinquency for my mortgage account for that month. Their own internal statement of my account, provided at a XXXX XXXX  branch, even shows an incorrect actual payment of just {$2000.00}. for a scheduled payment of {$2100.00}. I have proof that I paid more than the scheduled payment for that month, albeit in XXXX different payments, the first on XX/XX/XXXX for {$2000.00}, the second for {$92.00}, and the third for {$100.00}, totaling {$2200.00}. At all times, bank personnel assured me that these payments would be applied to my mortgage payment due for the month of XXXX. Instead, I ended up with a delinquency on my credit report, that has not only hurt my credit, but also prevented me from securing a different mortgage loan to buy a new home for myself. XXXX has refused to remove their negative reports and still claims the information is correct. I would like for XXXX to correct my actual total payment made for XXXX, and remove the negative report from my credit reports with all three bureaus since I paid more than the scheduled payment for that month.
Consumer complaint received 2024-02-14
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. (IL)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report.

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. 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 XXXX XXXX
Consumer complaint received 2022-07-18
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. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX CO XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-07-18
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-18
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. (IN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
US SM BUS ADMIN ODA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
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. (IN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, Equifax and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, Equifax and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
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 XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I XXXX XXXX XXXX have received a notification on my credit report that CMRE Financial Services is allegedly claiming that I owe a debt and that they are trying to collect. CMRE is in violation of the laws listed below ; FCRA VIOLATION 15 USC 1681a ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter I XXXX XXXX XXXX am the consumer ( individual ) and CMRE Financial Service is the person ( corporation ).

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

I DID NOT INSTRUCT CMRE FINANCIAL SERVICES TO REPORT ANYTHING TO ANY REPORTING AGENCY.
Consumer complaint received 2024-02-14
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. (MS)

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX .According to the fair credit reporting act 15 USC 1681 I have the right to privacy..Also according to 15 USC 6802.No financial institutions is not supposed to share my information to third parties people.these are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-02-14
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

In XXXX my husband and I filed for Chapter XXXX bankruptcy after a job loss. Our mortgage was not included in the bankruptcy, and we were not behind on any payments. We continued to pay our mortgage directly each month. 6 months after we filed our bankruptcy, our original mortgage lender sold our loan to Nationstar ( dba Mr. Cooper XXXX. We continued to make payments to Nationstar each month. Nationstar did not allow us to use their website to access our account information and only sent statements each month, often arriving only 3 days before the payment due date. On XX/XX/XXXX, I sent a regular payment of {$4100.00} to Nationstar, expecting it to be credited to our mortgage for the XX/XX/XXXX payment. On XX/XX/XXXX, I received a statement that showed the payment was not credited as usual but instead held as partial payment ( unapplied ). I figured as long as they received the payment, they would credit it or send a letter explaining why. A letter never came. I continued to make monthly payments on our mortgage until I called to inquire about the suspense account and why that was still not applied. I was given a couple of different answers from Nationstar representatives and eventually told to send a request to their research department email. They would find out where the payment was. I never heard back from the research department. In XX/XX/XXXX, I received our yearly tax statement that showed a different balance than my records showed and a letter sent to our bankruptcy attorney petitioning the court to increase our payment to cover an escrow shortfall. Since they never credited the payment they are holding in suspense, they never receive the escrow amount for the XX/XX/XXXX payment, so they showed that our escrow balance was short. With our attorney 's assistance, we sent a letter asking about why they were holding {$4000.00} in a misc suspense account instead of crediting it to our mortgage and escrow accounts. The response we received was that the payment of {$4100.00} was determined to be short ( unknown why, but probably due to " fees '' they add due to the bankruptcy ), and when a payment is short, it is held in a suspense account until the remaining balance is paid. With that information, I sent in a payment of {$200.00} and copies of the statement showing the funds in the misc account and asked Mr. Cooper to transfer the funds from the suspense account and apply it to the XX/XX/XXXX mortgage payment. I heard nothing until XX/XX/XXXX, when I received the regular statement showing they were now holding the {$200.00} in the partial payment account and wanted an additional {$4000.00} on top of our newly increased payment of {$4300.00} for XX/XX/XXXX and XX/XX/XXXX. I can not get them to release the funds they are holding, and they have increased my payment because of this.
Consumer complaint received 2020-05-28
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: Mortgage Research Center, LLC (AR)

On XXXX XX/XX/2020 Veterans United Home Loans pulled a hard inquiry on my credit report without my permission or knowledge. I talked to them today and they told me that they do not require permission to do hard inquiries. They are unresponsive and unwilling to do anything to fix it.
Consumer complaint received 2022-07-18
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. (NY)

I am writing this letter in response to your current investigation that took place in my credit record. Again I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the account I dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 


This account inaccurate or incomplete because the account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information in my personal credit report. XXXX XXXX XXXX
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (ND)

I requested my credit report from Equifax in XXXX of 2020. I was denied. I called Equifax customer service and was told my social security number does not match the information on file and they can not share any information with me. I was told to fax documents in order to verify my identity. I have sent my documents multiple times and am always told no documents have been received. I then received a letter in the mail from Equifax stating they were unable to locate my credit file.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (FL)

I, the consumer, natural person and original creditor have come to the understan that Equifax, XXXX and XXXX have placed inquiries on my consumer report without my knowledge and authorization. This also tells me that transactions took place without my knowledge. Seeing as though I have no received any benefit regarding this violation, they should not have been placed on my account. Not only have my rights to privacy been breached but I also did not give these companies permission to furnish this information. This is a violation of the Credit Reporting Act Section 1681 b ( c ). Also 15 USC 1681 b, 15 USC 1681b ( c ) ( 3 ) and 15 USC 6802. I am well aware of how consumer reports work. It troubles me to know that you relied on my ignorance to think that I would not recognize these violations being committed to not only me, but countless other consumers!! As a consumer, natural person and original creditor protected by the FDCPA Title 15 Chapter 41, Pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding validation of this information showing documentation with any of these accounts bearing my signature authorizing an inquiry. I also demand that these inquiries be blocked and removed from my consumer report immediately! I also demand Equifax, XXXX and XXXX to provide documentation of me providing them permission to furnish my information. I am attached a copy of the inquiries I am requesting to be removed. 

Best regards XXXX : XXXX All XXXX inalienable rights reserved
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

check the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (NY)

In order to purchase a lease-end car, we got a cashier check issued with our bank, Chase in amount of {$28000.00} paying XXXX XXXX in on XX/XX/2020 ; the check got stolen in XXXX and was cashed through a ATM machine with XXXX XXXX XXXX XXXX XXXX, MN on XX/XX/2020 ; the check was altered from XXXX XXXX XXXX to XXXX XXXX ; we have been trying to work with Chase ; after numerous calling ( some got routed to XXXX XXXX XXXX ), the last thing we heard from Chase was a letter in XX/XX/2020 saying the other bank was responsible.
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc. (RI)

Was contacted by phone saying I opened a XXXX XXXX credit card in 2013 and used my social security number and my old address which I tried to explain to them that I never opened a credit account in that year but they still determined that it was me then they told me that they are marking down that I refused to pay and they will seek legal action the person who I spoke with got very nasty with me after I called them a scammer
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-22
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. (CA)

I am refiling this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 
I have also attached my FTC report with the report number XXXX