davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to Transunion with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to XXXX sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX XXXX, and also a letter to XXXX sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXX XXXX  on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX, and TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, TransUnion, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.
Consumer complaint received 2022-09-21
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. (IL)

It's been WELL over XXXX days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last XXXX request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} and XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-10-14
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. (GA)

on or around 8/17/2022 consumer debit cards were lost/stolen. the consumer contacted chase bank and reported the fraud XXXX new debit cards were ordered and the old ones were canceled. Numerous items were ordered in error ... i.e. 
XXXX atm- {$330.00} dollar charge XXXX. XX/XX/XXXX {$580.00} XXXX. XX/XX/XXXX - {$30.00} XXXX. XXXX {$500.00} XXXX. XX/XX/XXXX - {$500.00} Chase bank utilizes out-of-the-country customer service which limits communication and understanding of everyday life here in the states. The claims were all denied and the verbal reason given was that there were other charges not disputed. consumer advised that many of the charges that were not reported are ones that are automatically deducted from companies that utilize a saved credit card function. I was then told to send in more proof which I did. Not to mention that the charges were not in my area, and the major factor is that my funds are insured by FDIC up to {$250000.00} for instances like this. 
the consumer was turned down a second time without cause. Chase has placed great stress on the business of the client by not protecting the client.
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Stellantis Financial Services US Corp. (MD)

After being denied a job I found out that this account with the first investor was charged off and I have been in contact with them stating this is not my account and I have never owned a XXXX XXXX XXXX. This car has two names associated and I have no idea who, why, and where this car is. I have never seen this car. They provided me with more information on where it started and disputed that as well. This is fraudulent, someone took this loan out using my information and name. 

I have added a fraud alert on my credit, doing this step and doing a police report to clear my name on this. 

They are suing the wrong person.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I have been Citibank customer for nearly 20 years. I held a checking account with Citi. Recently, in XX/XX/2022 I followed their promotion and opened a savings account. I deposited the required balance. I made several withdrawals from the account and also several deposits. At the beginning of XXXX, my savings account was blocked with no explanation. The online access to my checking account was blocked as well. However, the checking account was operational but I did not have any online access. I have been told that I will receive a check within the 3 months for the funds in my savings account. On XX/XX/2022, my checking was closed with no prior warning and no explanation. I found out only because two direct debits from this checking account to my credit cards were declined. I incurred late fees and interest because of this totaling up to {$100.00}. 
I received the check for the remaining funds from my checking account at the beginning of XXXX. I have not yet received the funds from my savings account totaling more than {$11000.00}. I went to the branch of Citibank. The staff was polite but they could not explain to me what is going on and the only way to find out was to call Citi. I called directly from the branch as otherwise, Citi did not even want to talk to me on the phone. I was transferred through several departments to the department that put a block on my account initially, but the person there could not tell me what is happening. He told me to call after 48 hours. I did call after 48 hours, but it was a similar result : several transfers and promises to send me the check within 50! days. This is after waiting for the funds for 3 months already. When I asked for a more detailed explanation, the person just handed up on me. I called Citi again to file the complaint, but even this was extremely difficult, I had to go through several departments. I am facing lost interest for about 5 month ( Citi did pay interest till XXXX, but it was extremely low relative to their competitors ). I think this behavior on behalf of Citi is extremely unprofessional and plain rude. Remember I was a customer for 20 years!
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

PennyMac took a flood insurance policy out on my behalf without my consent for additional coverage. I live in a XXXX XXXX and the XXXX  purchases our flood insurance for the full amount every year. Our master policy states full coverage and is the MAX AMOUNT that can cover my home. PennyMac has this current policy. 

PennyMac has refused to fix this issue regardless of my numerous calls and emails over the past few months. Every time I call, they say that they see my previous calls but that there is nothing that they can do at the call service level and tell me that all upper management is unable to speak to me at that time. They have told me XXXX times that a manager would call me back the same day and that has never occurred. 

My XXXX 's insurance broker was on the phone with me the last time I called ( XX/XX/XXXX ) to explain how this policy is illegal and they assured both of us that we would receive a call back that day as the managers phone was " not working '' and we have yet to get a call back. 

PennyMac has fraudulently taken money from my Escrow account to pay for this insurance that is 1 ) unnecessary, 2 ) one that I did not agree to and 3 ) is a policy that I can not recover from as my XXXX insurance policy covers everything to 100 %.
Consumer complaint received 2022-09-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (PA)

Not sure I keep getting report of available funds sent to my address for 3rd party refinancing ( Mutual of Omaha ) I want it stopped am not or ever will be interested in refinancing. I researched big scam. I have mortgage with other company. Dates sent today XX/XX/22 third one in last two months stating I have XXXX available.
Consumer complaint received 2022-09-21
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Consumer complaint received 2022-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

this company has an account purchase through collections with my social security number that was a result of identity theft. i have disputed this account and provided documentation to prove that the account which has none of the correct personal information was not mine, the account was deleted from all three bureaus after being investigated but this company continues to harass me.i filed a FTC report as well.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (GA)

Despite having turned in numerous pieces of information that are contrary to the information on my file, XXXX and Experian continue to report these errors as facts, and their mistakes are causing me to have business opportunities denied because of their error. A police report was submitted in reference to the fraudulent accounts, but yet they remain. A collection for {$3600.00} was placed on the police report as not mine and they refuse to remove it. Another report with late payment from XXXX XXXX is not my account as well. It remains on the bureau. Their score rating system is grossly off and has not been updated in months.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I opened my credit card by XX/XX/year>, a month later in XX/XX/XXXX i opened a XXXX account to check my credit report. The credit report shows that i have a collection of {$20000.00} from I C SYSTEM INC. On the credit report it shows that it is under the name of someone named XXXX XXXX XXXX the address of XXXX XXXX XXXX XXXX XXXX CA, XXXX. When i see that, i file a dispute on XXXX  telling them the collection does not belong to me. About XXXX days later i received a call from I C SYSTEM INC she asked me is my name XXXX XXXX XXXX XXXX live or have i ever lived in XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, i told her thats not my name or my address never been there ever and she hangs up. On XX/XX/year> XXXX  dispute result were ready it said the information i disputed were verified as accurate. Then i file a dispute in XXXX, it was also verified as accurate. 
I tried to contact I C SYSTEM INC, on phone it said call back during business hour ( It was, It was their business hour ). I tried to dispute on their website but i need a account number ( only exist on a letter that i have never received ) Or a Credit Bureau report number ( It doesnt even show the last XXXX number on XXXX or XXXX ).
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMALGAMATED TOKEN SERVICES, INC. (OR)

Hello dear staff : On XX/XX/2022, my family and I participated in the token sale of Coinlist. The token project is : XXXX, and I deposited XXXX to Coinlist. But Coinlist refused to distribute the tokens to me on the grounds that I had provided a duplicate recipient address, and refused to refund me. I submitted a payment address to my family, which is easy to manage, which is incomprehensible. It is no different from robbery. There is no organization in the world that would rob a customer 's assets for such a stupid reason. This is a serious violation of the law. Due to the impact of the epidemic, my family and I lost our jobs last month. This money is very important to our family. I hope you can help me recover the XXXX, thank you very much.
Consumer complaint received 2022-09-21
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (IL)

LexisNexis XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is regarding US DIST CT XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue.

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims.

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth third bank has been reporting my mortgage payments on my ex-husbands credit report and not reporting on mine at all. We were divorced in XXXX. The house belongs to me. He has never paid the mortgage. I filed XXXX XXXX bankruptcy in XXXX and finished in XXXX.
Consumer complaint received 2024-11-21
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)

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS. 
It is illegal to retain or report misleading or unsubstantiated information. Therefore, I demand the deletion of the following illegally reported allegations :
Consumer complaint received 2022-09-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-19
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 — Investigation took more than 30 days
Company: Stellantis Financial Services US Corp. (AZ)

I CONTACTED XXXX, XXXX, AND XXXX - CREDITOR NAME IS FIRST INV SERVICING CORP, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY XXXX AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?