davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (NC)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-18
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am submitting this to formally dispute the inaccurate reporting of late payments on my XXXX account, XXXX. I believe this to be an error, as my account status has not changed and I have continued to make timely payments. 
The discrepancy between the XXXX reports has caused significant concern and XXXX negatively impact my credit score.
Consumer complaint received 2022-09-13
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. (FL)

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX : {$57000.00}.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed this issue with Bank Of America several times since XX/XX/2020 and this has not been corrected.Someone named XXXX XXXX reached out to me recently regarding this issue and failed to respond back to me about my issue and correcting it. Ive contacted their Regulatory Complaints team and still have not gotten a response or a resolution. This reporting of my passed account status is completely inaccurate. The report reflects fraud ; however, no fraudulent transactions nor activity was completed on my account. My checking account at Bank of America, was not used for any fraudulent activity. Nor were funds withdrawn out of the account with any intention to cause my account to go negative. No withdraws were ever made or attempted after the deposit. My account was forced closed due to the activity of the deposits. My previous employer stated that they were going to deposit money in my account and lied and had his checks bounce. As I stated, it was not intentional to make non-negotiable deposit, due to unforeseen circumstances in with my employer at the time I was affected personally due to my checking account being new. 
Ive been trying to get this issue taken care of for several years now and nothing has happened. I was told that the fraud reporting would be removed off my file and to the consumer reporting agencys. Nothing has happened. Ive never had any other issues with any bank. This was several years ago and I have since left that employer. This has caused me so much distress and discomfort and it has been a struggle. I am in the process of buying a home and this flagged fraud account is affecting me.
Consumer complaint received 2022-06-08
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX 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 a account without my written instructions
Consumer complaint received 2022-11-26
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 file has been compromised. Again, I was going through my records & noticed many 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 items which are 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 ( learned through more research both parties require ). Please block/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 Balance Owed XXXX {$1600.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX Balance Owed : {$65.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/2022
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (CA)

A Bank Called Current, ( Routing number is XXXX ), I have a checking account with them and I have more than XXXX US dollar available balance inside, but last week they closed my account and ban my online access, they also dont want to mail me back my own money by paper check, so I want to complaint them.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

Hi yes I had a charge for a newspaper through pay pal that I opened a fraud charge case with pay pal about. They did not believe me that someone else was using my account snd refused to refund the account. Now today I login and see where pay pal has deducted XXXX for XXXX XXXX but I do not use XXXX XXXX. I have a XXXX XXXX but its linked to my XXXX federal credit union account directly and not through pay pal. All though I also have that account linked to pay pal I dont use it via XXXX to make purchases. I hope that makes sense. As in I do have the XXXX account linked to pay pal but I do not have pay pal linked to my XXXX wallet nor do I use XXXX XXXXXXXX  or XXXX XXXXt. Instead I have XXXX XXXX purchase taken directly from my XXXX as I figured having pay pal as a middle man was silly. This is another reason I think someone else is using my pay pal account. Now I have to change my pay pal account password which I have done multiple times. And today after trying to file a refund for charge, pay pal is suddenly saying that my password is incorrect. I know this is not the case snd screen recorded me changing the account to the new password and recorded it saying my new password is incorrect. So pay pal is locking me out of my account to even request a refund or contact the help support. I supposed they will count this time Im locked out against me in the time they allow for refunds. Ive tried to email snd call but no one will answer or email me back. XXXX XXXX XXXX, AL XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX, and XXXX have all received that the credit card XXXX XXXX XXXX XXXX Account XXXX is a business credit card and should not be reporting on my personal credit and all three credit buraus have received the information that this is a business credit card and continue to keep this card on my personal credit.
Consumer complaint received 2024-09-17
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. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

I received a Wells Fargo alert on XX/XX/2022 at XXXX Eastern Time stating : my savings account ( # XXXX ) balance is NEGATIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " - {$4600.00} ''. 

This alert was completely false. As determined, on both XX/XX/2022 when logging in the balance was never Negative ( Always positive ), and on XX/XX/2022 the balance was never negative. It was always positive.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. Delete Late payments your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards
Consumer complaint received 2023-04-04
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. (TX)

I am writing to request verification of a late payment that is currently being reported on my credit report. The account in question is XXXX with XXXX XXXX 

Specifically, I would like Equifax to verify that there was a late payment on the account in XX/XX/2022. I have reason to believe that this information may be inaccurate or incomplete, and I am requesting that Equifax provide me with detailed information regarding this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to receive a written response from Equifax within 30 days of receipt of this letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. 

If you are unable to verify the accuracy of the reported late payment, I request that Equifax remove this information from my credit report. Please also provide me with a revised copy of my credit report reflecting the updated information. 

Thank you for your attention to this matter.
Consumer complaint received 2022-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (VA)

To Whom It May Concern, It has been made increasingly clear, that the intent of MidAmerica Mortgage is to inflict borrower harm amongst its consumers. As such please take this as my formal notice to file a CFPB complaint regarding the modification handling below. I intend to show clear evidence, Mid America caused irrefutable borrower harm, and ultimately failed to adhere to the guidance provided by FHA/HUD regarding XXXX the servicing of Modification during the Presidentially Declared Disaster. 
Modification Process Mid Americas Loss Mitigation & Bankruptcy Team negligence contributed to the denial of the modification via : Failing to properly communicate next steps with borrower during the Modification process Failed to apply the trial payments timely Provided inaccurate information regarding the modification status Misapplied payments Failed to properly submit documentation to Bankruptcy attorney during Modification process Failed to bring the loan current during the completion of the modification approved Assessed improper fees to borrower during disaster/XXXX XXXX o Inability to provide itemized breakdown of fees and arrears from borrower and attorney XXXX XXXX Modification Appeal Process Verbal Modification denial received on XX/XX/XXXX. Reason : Failed to make payments in month due. Please see mortgage statements showing payments being received XXXX XXXX XXXX Notice Online Bill Pay- confirming bill pay was set up XX/XX/XXXX XXXX XXXXXXXX XXXX Notice advising payments being submitted and yet not presented for deposit/cash XXXX XXXX XXXX Notices- confirming stop payment issued in conjunction with guidance from Mid America o Mid America misplaced funds , as such I was advised to stop payment and reissue, causing issues with XXXX payment. 
Please note : I resubmitted the documents XXXX XX/XX/XXXX. 
Followed up via email XX/XX/XXXX ( allowed XXXXday review ) o Agent was unable to assist as the loan number was a digit off in the subject line, despite all attached information containing the correct loans number. 
***Loan has now been sold again in the middle of the modification request submitted in its entirety XX/XX/XXXX to XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX Cell : XXXX
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Credit Card Company Told me that I was pre approved for a credit card to help build my credit up more and that my odds for approval on a credit card was great So I applied for the credit card and didnt get approved for the credit score they told me I was pre approved for and my credit score was very decent enough to get the credit card so now I have these hard inquiries on my credit report for listening to capital One I dont know what to do because its stressful when ur trying to build ur credit up
Consumer complaint received 2022-09-07
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. (TN)

XXXX XXXX XXXX is reporting on credit bureaus. I have no knowledge of this account. 
I have asked for validation of debt. 
I have asked for proof of ownership that they have bought this debt. Original credit application with my wet signature on it. Payment history of this debt they have failed to provide validation of this debt being mine
Consumer complaint received 2022-06-09
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. (NY)

n accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX has violated my rights XXXX 

1 5 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
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-31
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: SYNCHRONY FINANCIAL (VA)

COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX Im not giving up! 
This was my previous complaint, and I am not satisfied with the decision. 
Again XXXX checked what was delivered! 
I, as a consumer provided picture of the empty envelope ( usps can prove what was delivered ) the seller provided tracking number and status of the delivery. I dont understand why decision in in seller favor!!!? 
Dont support scammers! 
Im going to pay the balance, and they will continue doing this. Do you thing this i ls right. 
SHAME!