davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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*BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXBalance Owed : {$49000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/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
Consumer complaint received 2020-08-25
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2023-02-01
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please investigate these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (AZ)

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

So, I sent a letter off on XX/XX/2022. Here 's my tracking # XXXX to remove personal information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-02-01
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. (AR)

Ifoundoutthatsomeofmycreditreferencesarenotshownbuthavebeensubmittedandvalidatedwhilelookingoveranupdatedcopyofmycreditreport.Pleaseconductanotherinvestigationandsendmethecredithistoryasshownbythemerchant'sletterthatisconnectedtomycreditreport. The information on my credit profile below appears to be somewhat misleading and incorrect, so I am formally requesting that it be CORRECTED. In accordance with the Fair Credit Reporting Act, 15 USC section 1681i, you must complete your investigation within 30 days ; otherwise, you will be in violation, and the Federal Trade Commission may conduct an investigation : XXXX  XXXX XXXX Balance Owed : {$480.00XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Kohls customer service agents are making illegal changes from my account. I initiated a web chat with Kohls charge card customer service on XX/XX/2020 to add my sister as an authorized user on my account. That was my only intention. The woman from their customer service web chat, " XXXX XXXX '', asked for my email to pull up my account after already validating other information when I initiated the chat. My email on my account has always been the same, and I gave her that correct email. She said she could not find my account with that email address ( even though I was literally looking AT MY account summary screen as we were chatting and I am very aware after having this account for so long that she must have entered it incorrectly, and/or I should have been able to figure out why it didn't come up for her because that is also a serious problem, imho, for the email to not pull up ). She then illegally CHANGED my email to a different email that is NOT my email and that I have NEVER had access to. I do NOT have a gmail. I only found out because I got an email ( to my correct email ) saying that this WRONG email change was made on my account - without my authorization or knowledge! I do not know if the person on the other end of that OTHER email address ( the one she changed it to ) will illegally access my account without my knowledge. I found out by receiving an email stating that there was a change made to my email and even my rewards account was changed - such a violation! She also disconnected the web chat to try to prevent herself from getting a bad survey or being held accountable for making illegal and incorrect changes on my account on my behalf. The next customer service associate ( when I CALLED ), said he was able to correct my email back to the email I have ALWAYS used ( so my email should NEVER have been changed - in what, 7-10 years (? - I know I have had this account for a long time ) of having this charge account I have never felt more upset. Someone literally saw me insist on having provided the correct info only for this person to literally change it to a different email than the one I provided out of - spite? I don't know. But I do know it is illegal. I believe the incident number is XXXX, but she had also provided me with what I presume is also an incorrect incident number because she knew what she did was wrong. So that is probably at the very least a violation of policy, I would hope.
Consumer complaint received 2023-02-01
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (NC)

I tried to open an account with Truist and she stated I had a charge off account from years ago and Ive never been with them at all. This is identity theft and fraud.They were not able to give me information about the account but my name and social is associated with it and this is preventing me from opening account with them which needs to be corrected
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (VA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

I have a complete appraisal for my home and I requested to cancel the PMI insurance on the loan. First National Bank of PA has declined my request because they want their own appraiser to do the paperwork and they want {$480.00} to cancel the policy. I've called earlier in the year, they only correspond via mail and after several attempts to email them, they finally called me back and said they have a rule to only have their own appraiser do an appraisal, even though my home is clearly above the threshold for cancellation and it has been proved. I've provided the documentation to them and they will not accept it.
Consumer complaint received 2023-02-01
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please investigate these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-01
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 has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IA)

I'm a victim of the XX/XX/XXXX derecho storm in Iowa. my House got severely Damage. I got the roof repair as soon as I could and got bill for it XX/XX/XXXX ( shingles got repair/change ). 
my insurance company send me check for what their estimated of the damage it is, the check is on my name and the NewRez LLC mortgage company. NewRez now in possession of the money refuse to give me my money back even after I send the bill. they are requesting more documents even after I offer pictures proving the job its being done. now the company send me a pass due bill ( my credit can get ruin/ I could face legal issues ). 
NewRez refuse to liberate my money or pay the company, they keep asking for documents. they cause my XXXX and XXXX issues sore ( I'm XXXX percent XXXX XXXX ) to the point I can't work. Who is going to pay for the days are not working because what the Bank its doing?. I being force to request credits and use my credit card ( who is going to pay for the cost of this ) all because they want to profit with the money the insurance give me? 
I feel they are taking advantage of a VA loan, and I feel they make the process unbearable to use the founds. all they need its to send a inspector or having me sign an affidavit. I'm vulnerable and they are taking advantage of my tragedies.
Consumer complaint received 2023-02-01
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. (AZ)

I am writing to dispute the inaccuracies that have been reported on my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have noticed inquiries that were not authorized by me. I have Previously requested removal and you failed to reply. 
I would like to request that these inquiries be removed from my credit report as they are affecting my credit score and causing me undue stress and inconvenience. In addition, I am entitled to monetary relief as per the provisions of the FCRA, as established by the Supreme Court of the United States in the case of Spokeo , Inc. v. Robins on XX/XX/XXXX. 
The following inquiries are in question : Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2023-02-01
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 has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose