davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (FL)

My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX I learned about this debt under my name and social security last year when I was served with papers for a court hearing regarding the debt owed. After calling several locations because the account was sold to 3rd party collectors, I was informed this debt was for medical cosmetic XXXX in which I have never had any cosmetic XXXX done nor authorize such. They informed me that someone has been paying on this account, I immediately asked them where were the payment coming from and if there's any way tracing those payments. They also provided me with a different mailing address other than my home address that the invoices were being sent, I again asked them if they can trace this. I appeared in court XX/XX/XXXX in which and advised them this is not my debt and did not authorize this account to be open, never signed anything, do not know of this account until I was served at my residence place. The paper for the court hearing were sent to the correct address, however who ever used my identity was paying the balance from a different address and then stop paying which I know nothing of until I called and was provided with all this information. Credit Solution who is representing the company in which I do not even know their name indicated in court that they will look into this and contact me. Never heard back from them and received again a court hearing for XX/XX/XXXX in which I attended and finally spoke to to their representative and provided them with all my detail information, and an additional court date was set by the Judge for XX/XX/XXXX to give the Credit Collector time to investigate. They submitted a form by mail and I filled it out and sent it back. I recently receive a letter from them indicating that I do not qualify, not sure what this means. However I have court on XX/XX/XXXX and was not aware that I can file this ITR with the FTC so they can also further look into this, so I'm in hope that you can help me. If you can please further assist in this matter, so I can be prepared in court that I have tried to resolve this, since Credit Solution is not willing to understand that my Identity was stolen from me without authorization, I have provided them with all information that they were seeking and have attended every court hearing. I honestly feel that they did not further do they part in properly investigating this matter as the Judge gave them a time frame.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies TRANSUNION, XXXX  and transunion are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...
Consumer complaint received 2021-08-17
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. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I have never done any businesses with this company. This company does not have a contracts with my signature.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2022-06-24
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX a check I wrote for one of my XXXXXXXX was stolen and cashed by another person who deposited it into their account at Navy Federal Credit Union in the amount of {$1000.00}. The account number is clearly seen on the back of the check. On XX/XX/XXXX, I opened a fraudulent check claim with my bank at XXXX and sent in documents from the person the check was stolen from stating that they never cashed the check. On XX/XX/XXXX, XXXX bank wrote to me to let me know that Navy Federal Credit Union has still not responded and if they do not then the funds are lost. On XX/XX/XXXX I filed a complaint with the CFPB and on XX/XX/XXXX Navy Federal Credit Union closed the case stating they never got documentation. Documentation that IS ATTACHED HERE and WAS on the last complaint. I tried contacting XXXX XXXX, AVP of Fraud at Navy Federal Credit Union with no response. Please go into the account of YOUR client and take my money back and return to me at once. This is absurd.
Consumer complaint received 2022-06-24
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-24
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I initiated a refinance quote from Chase Bank and was offered a loan estimate for a 2.625 % rate on XX/XX/2021. After reviewing the loan estimate I agreed to it and paid a deposit of {$500.00}. Chase then scheduled the appraisal which was shown as {$760.00} on the estimate under section B. Services You Can not Shop For. The loan officer was XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX After the appraisal was done I was issued a revised loan estimate and the appraisal fee had increased to {$1200.00}. I called on XX/XX/XXXX to question this and was told that the fee charged by the appraiser was higher than expected and since the cost they charged was based on the appraiser 's fee they were passing this cost on to me. 

I pointed out to them they can't change their estimate for items listed under the Services You Can not Shop For section once I've agreed to it and paid the deposit. I pointed them at the page on CFPB 's web site XXXX https : XXXX ) which explains this. The increased fee meant their quote was no longer competitive with other quotes I had and I informed them that I would not agree to proceed unless they removed the increase. 

I was told removing the increase needed higher approval and they would get back to me within 24 hours to let me know if they could do that. Late afternoon on XX/XX/XXXX XXXX XXXX days later ) I was contacted by XXXX. He explained that he was still waiting on approval to remove the additional charge and offered me the choice of continuing to wait or closing the application and receiving a refund of the {$500.00} deposit I had paid. I chose the latter and he indicated I should see the refund within five business days. 

As of Friday XX/XX/XXXX I had not received any refund nor had the application been cancelled, as it is still active on the website. I called XXXX and left a message to follow up and as of today XX/XX/XXXX I have not heard from anyone, nor have I received any refund.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Western-Shamrock Corporation (TX)

I have had my information stole, and I found out in XX/XX/2021 around the XXXX or so once it showed up on my credit report that a loan from western shamrock corporation was taking out in my name and information. I have tried Multiple time to reach out to the company to report the fraud and every time I get a voicemail, I have left voicemail with them to call me back and I never received a response. When I first seen the account on my credit it was for XXXX, when checked the report today XX/XX/2021 it is XXXX. I receive a bill from them as well. I report was filed once I found out my information was jeopardize with law enforcement, do suspect a couple of people were involved in this. This fraud account has also been submitted with identitythief.gov and a fraud alert has been put on credit.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

My credit card is for PC Richards but with synchrony bank. On XX/XX/XXXX I had my 2nd decrease in my credit limit in the last few months. I contacted the company the 1st time they decreased my credit limit, To try to determine why my credit limit was decreased and also why I was not notified of the change. I was greeted with nasty comments and being hung up on and still no notice being sent to me after speaking with two different people. Now on all this XXXX it happened again without any notice being sent to me. Each time the change pushes me over my credit limit, which drops my credit score. Then they charge me a over the limit fee on top of it. I only find out about the changes because I have XXXX XXXX. I have been with the company a few years and constantly make my payments. Then when I call them and ask why I'm not receiving the notice or being told when I login into the account. I'm told they only send the notice in the mail and pass the buck onto the post office. They say they sent 3 notices but I haven't gotten any at all. I was forced to ask them to read it to me over the phone and the reasons she gave me were lies. They did the same thing with another account I had with them until I was forced to close the account. Even though the account was always {$0.00}. The PC Richards card hasn't been used in some time now. I have never had cards lower this often before this.
Consumer complaint received 2022-06-14
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. (OH)

To this day over 30 days later I have not received a response yet. I feel as if im being taken advantage of and being ignored by my disputes. Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC and would like these above referenced accounts to disappear FAST!

according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

Name : XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Balance : {$500.00} ( Original Creditor : Medical ) XXXX-Balance : {$170.00} ( Original Creditor : Medical ) XXXX-Balance : {$140.00}
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX I received an email from comedity bank that my new statement was available. I reviewed the bill and notice my payment was not applied. I verified my payment was taken out on XX/XX/XXXX. I immediately tried to contact the bank and on XX/XX/XXXX I finally spoke to someone. I was told they were having issues and hopefully all would be resolved by Friday XX/XX/XXXX and no late charges would be charged. I tried to use my card and it was denied for insufficient funds. I called again and was told that my paymwnt was late. I explain once again that it was withdrawn from my bank. I qas told i would have to mail them a copy of my bank statement to prove i paid. I asked to speak to supervisor who said my card was showing up as insufficient funds and they really did not know why. I have a XXXX credit limit and owe about XXXX.