davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There is a XXXX XXXX debt with account # XXXX & XXXX on my XXXX and transunion credit report along with XXXX XXXX  XXXX XXXX XXXX These debts don't belong to me and matter of fact it says on my report that account was paid in full and is a charge off. I am in the process of getting a mortgage loan and with these no balance delinquent charge-offs being posted on my account not only is it severely harming my credit score. But I am unable to qualify for a home loan. I need these inaccurate accounts that do not belong to me removed from my credit report ASAP!
Consumer complaint received 2024-09-19
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. (CA)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow responsible procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signatures on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to possibly verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

Creditor Name : XXXX XXXX XXXX IN In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions.
Consumer complaint received 2021-06-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

When trying to purchase a home through XXXX XXXX of XXXX XXXX, I was denied a home loan in XX/XX/2021 because I am a XXXX XXXX and I did not work for 6 months in 2021. XXXX recommended another lender. I spoke to XXXX XXXX of Southeast Mortgage in XXXX and explained my situation. XXXX was fully aware of my situation being a XXXX XXXX and not working for some time during the pandemic. The closing was pushed back to XX/XX/XXXX. I was denied for the same reasons made known up front. Why didnt they give me an answer sooner? I spent money on the deposit, appraisals, inspections and they made me put the UTILITIES in my name. I ended up losing my XXXX money.
Consumer complaint received 2023-05-10
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: CITIBANK, N.A. (NY)

Someone stole my identity and opened two credit cards in my name with Florida addresses.I have never lived in Florida. or visited that place in the last five years.All the charges on the cards were made in Florida.Citibank charged off one of the account on XX/XX/XXXX. 

Opened a dispute with XXXX about inaccurate information on my credit report in XX/XX/XXXX. In XXXXCitibank did not charge off one of the accounts and i still have this inaccurate information and wrong addresses on my credit report.They have two Florida  addresses on my credit report that is false.This information is ruining my credit.I was unable to buy anything with this credit card because it will always decline payment.Lo and behold i got a bill from the bank saying i owe them {$8000.00} in credit card bill on XX/XX/XXXX. I also have never owned any credit card with the numbers Citibank is sending to me.Citibank also sent correspondence stating that my statement notification email was returned undeliverable and that i should make sure that my email is up to date. I am still receiving credit card bill every month which has now surpassed {$10000.00} and is still on my credit report. 
Yours Respectfully.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

my check # XXXX for {$500.00} sent in by mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX was stolen from is mail box and forged for {$14000.00} my chase bank paid this money Although there was not enough money there And the bank left me {$2500.00} in debt As soon as I found out, I contacted the bank on the phone and informed them. I also sent a fax and registered mail and by regular mail a signed statement ( which is a document requested from the bank ) that this was a theft and a forgery. Unfortunately, to this day I have not received my money back into my account I get in a lot of trouble because of this this is all my money i have and i have not able to do any payment and pay my bill It's been more than two weeks
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-09-29
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. (OH)

I sent in an ftc report as well as proof that i was incarcerated to transunion and ask that they immediately block this information under FCRA as it states if i send in this information that it would be blocked. I also told them that if it is to stay on my file, that I needed to know the method of verification as I do not consent to the XXXX XXXX  since the company that has stolen my identity knows how to get through it. 

Transunion then responded that it was verified and ignored my request yet again for the block and the method of verification for these XXXX accounts XXXX XXXX Bank # XXXX, Balance {$500.00}, Date Opened : XX/XX/XXXX Patienty FI # XXXX, Balance {$430.00}, Date Opened : XX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed my Equifax business report and once again they are reporting inaccurate information. Ive asked them on numerous occasions to report the accurate information below to my business report and they still been reporting inaccurate information after I sent them the correct information by their request. Now they are reporting that I have XXXX separate late payments from XXXX XXXX XXXX XXXX XXXX XXXX  on a {$50000.00} loan that is paid and closed with no late payments. I am requesting that they report correct information and please stop trying to sabotage my company reputation with false and inaccurate info. I contact my bank and they confirmed Equifax never received notification to report my account late I am requesting again to update correctly asap CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again
Consumer complaint received 2021-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been trying to dispute an account on my credit report since XX/XX/2021. The first the creditor verified the account as accurate however would not provide me with any additional information. I submitted additional disputes on around XX/XX/2021, XX/XX/2021, XX/XX/2021. I also mailed in supporting documentation via USPS certified mail on XX/XX/2021 and it was delivered on XX/XX/2021 XXXX. After I dispute it shows on my account when i log in and then after a week or so it disappears. I'm tired of getting the runaround for this dispute and would like a status asap.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reached out to Equifax in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXXXXXX with account number XXXX Equifax claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Equifax seeking proof of this debt : Equifax XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Equifax continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX with a balance of {$1500.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Consumer complaint received 2018-11-01
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. (MO)

On XX/XX/2018 XXXX XXXX representing XXXX XXXX  XXXX XXXX placed an unauthorized hard credit inquiry via XXXX when attempting to sell me one of their products. During the phone conversation she made a request to check the last 12 months payment history with XXXX XXXX XXXX as they recently had purchased my FHA  loan from XXXX XXXX XXXX. She guaranteed that this was to check the history from XXXX XXXX XXXX and not a credit inquiry. 

Immediately after she had run my unauthorized credit pull, I received notification from my credit monitoring software and I contacted her via email ( attached ). I was told that she did not believe that it was a hard inquiry. I proceeded to pull my TransUnion, XXXX, and XXXX  reports displaying the unauthorized hard inquiry on XX/XX/2018. I made the request to have the unauthorized credit inquiry removed from my credit report. XXXX responded that she could not and that I may dispute this with my credit bureaus and stopped communication. I proceeded to contact her listed manager XXXX XXXX, receiving no reply as well.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I requested the assistance of a family lawyer through a website called XXXX to represent me in a legal case regarding my daughter in Kentucky who was taking illegally by the non custodial parent in Kentucky that has a history of abuse and XXXX  XXXX. The website was " hacked ''. One of the lawyer 's profile contact information was changed to the cell phone number of XXXX XXXX. After I posted the request for a lawyer, Attorney XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, telephone ( XXXX ) XXXX ) contacted me in Kentucky from Florida by phone. He alleged he was matched through the website, when he was not. I soon realized he did not practice Interstate Custody at all and he had alleged paralegal with an outdated XXXX  email address put my name in a printed form that take about 2 minutes type asking to filing an incorrect form falsely stating on the abusive non-custodial parent 's behalf that he had been listed on the Kentucky birth certificate and had been verified as a parent when XXXX XXXX is not listed on the birth certificate and has not submitted to any blood testing. I refused to sign the motion and I refused to sign the legal contract because the documentation was fraudulent. XXXX XXXX lied he performed an estimated {$800.00} of legal work when no court motion was never filed. XXXX never represented me court and never made any calls on my behalf. He did not access to original family court case miles away in XXXX since I never signed a contract and never signed a " Release of Information ''. He sent text messages claiming he put {$200.00} refund in the mail to me and lied to t he bank Capital One using counterfeit documents that he completed {$1000.00} worth of legal services when he did not. He never mailed me any copies o any motions in the mail and he never performed any type of beneficial legal service on my behalf. He lied he was a member of a legal directory with XXXX XXXX, when he was not a member. The Capital One investigation # is XXXX. Capital One refused to reverse the reversal even though XXXX could never prove he mail a refund as alleged and the official court records of XXXX XXXX XXXX clearly shows XXXX never filed any motion on my behalf and he never represented me in any court case. He never performed and beneficial service. I have showed screen shots showing the XXXX XXXX website had been illegally hacked.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were opened at an address where I have never lived at and it has nothing to do with me.
Consumer complaint received 2021-08-23
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. (GA)

XXXX XXXX # XXXX XXXX and XXXX has corrected this account information and Equifax has not. Please correct the balance of the account to XXXX ... I have been trying to correct the same issue for 2 months. WHY???? 

There is no investigaiton happening wtih this account and Equifax will held liable as they interferring with my ability to purchase a house. You held resposible for ALL DAMAGES and legal fees if this is not corrected ASAP!
Consumer complaint received 2024-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P. (MI)

I took out a {$2200.00} loan in early XX/XX/XXXX. On XX/XX/XXXX the loan amount was deposited in my bank account. On XX/XX/XXXX an automatic payment of {$390.00} was withdrawn from my account. {$110.00} was applied to the principal and {$270.00} was applied to finance charge. My loan balance was {$2100.00}. 

On XX/XX/XXXX, an automatic payment was withdrawn from my account for {$390.00}. ONLY {$1.00} was applied to the principle. {$390.00} was finance charge. My loan balance became {$2100.00}. 

On XX/XX/XXXX, an automatic payment of {$390.00} was withdrawn from my bank account. ONLY {$14.00} was applied to the principle. {$370.00} was finance charge. My loan balance became {$2100.00}. 

In 3 months, I have paid {$1100.00} in total payments towards the loan. Out of that amount, ONLY {$120.00} has been applied to the principle of the loan and {$1000.00} has gone to finance charge. 

After making {$1100.00} worth of payments in 3 months, the balance left on the loan has ONLY DECREASED BY {$100.00}. 

THIS IS A PREDATORY LOAN!!!
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX there was a transfer of XXXX} ( Entire amount of account ) from my account to another account that was not mine. 

XX/XX/XXXX - I submitted a claim stating that I had not made this transfer. I secured the account by : 1. Canceled the debit card and requested a new one. 
2. Changed the password on my Bank of America account. 
3. Changed the password on my email account. 
4. Ensured that all contact information on account was mine. 

On XX/XX/XXXX another transfer of XXXX} was made to the same account that was not was mine. 

XX/XX/XXXX - I submitted a second claim stating that I had not made this transfer. 

Upon discussion with the Bank of America XXXX XXXX Customer Service rep it was discovered that an unlisted XXXX  phone number listed for " one-time passcode '' for transfers was different and not mine as listed on my Account Information. This number was reconciled, and the account has been secured since that change was made. 

XX/XX/XXXX - The first claim was denied stating that I was still using the same email on the account. 

XX/XX/XXXX - I submitted an appeal for reconsideration stating that I secured my email account by changing my email password. 

XX/XX/XXXX - The appeal was denied without letter of explanation sent from Bank of America. 

XX/XX/XXXX - I submitted a second appeal for reconsideration. 

XX/XX/XXXX - The second claim was reconciled by Bank of America and XXXX was refunded back into my account. 

XX/XX/XXXX - The second appeal was denied without letter of explanation sent from Bank of America. 

XX/XX/XXXX - I submitted a third appeal for reconsideration. 

XX/XX/XXXX - I filed a XXXX Police Reports with my local police department XXXX XXXX XXXX XXXX  for the money that was stolen from my account. 

XX/XX/XXXX - I submitted the police reports to Bank of America. 

The third appeal for reconsideration is still open for investigation for more than XXXX year. Every time I call there has been no update on the claim other than " It is still open for investigation. ''
Consumer complaint received 2024-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC. (CA)

I am resubmitting this complaint because it seems that reading the response from the previous complaint I made, they didn't consider the image screenshot that I sent showing the date XX/XX/year>, showing that I had already sent the cancellation letter. 

Their response was : " The letter attached to XXXX XXXX 's complaint was not postmarked so we contacted our client upon receipt of this complaint. Our client advises that they first received the cancellation request via email in XXXX. The date of sale was XX/XX/year> so this was outside the rescission window. We are a third party debt collection agency and are unable to cancel the account. '' This shows that I have evidence from XX/XX/year>. ( XXXX business days after signing up ) It clearly states that I had already sent a letter prior to that date about canceling. 

This evidence that I have provided shows that the company hasn't the integrity or care to look at all evidence given in the past that shows my attempts to cancel. 

As I canceled within the time period allowed, I haven't used any of these products nor even set up an online account.