davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
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. (NY)

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX XXXX XXXX Acct # : XXXX
Consumer complaint received 2017-10-10
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)

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX XXXX XXXX Acct # : XXXX
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinman Acquisition Group (PA)

This conmapmny WEINMAN ACQUISITION GROUP is calling saying they will sue me and take me to court, for a deb i dont have, they say i open a account wirh XXXX XXXX, XXXX never have. and they keep calling and the have my information, we dont know this account, we dont open any credit card with XXXX.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX XXXXXX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2017-10-10
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)

I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX  XXXX XXXX Acct # : XXXX
Consumer complaint received 2017-10-10
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)

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has shown varying dates of late payments on my vehicle loan from them that are incorrect. I've never had a late payment on that account and when I have inquired and then eventually disputed these errors with the company, the different bureaus shift the months around that they say I've been late and then closing the dispute and no fixing anything. I've attempted to have them correct this more than once now and even still the months that they say I was late don't even line up between the bureaus.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws.

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX Experian 1 ) XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX Transunion 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

THEY ARE A FRAUD.. 

THEY TAKE INFO > > NEVER GIVE YOU YOUR REPORT. 


I filled out all my information with my SS number,, because you said XXXX was safe and federally covered.. 

it stops,,, after all information, then says click on next,, ( to get those FREE REPORTS ) there is no NEXT BUTTON I believe they are a hoax and have stolen my identity.
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My XXXX Mortgage is an interest only loan that has adjusted out to {$3000.00} a month this mortgage is with XXXX XXXX Mortgage, Bank of America is the XXXX Mortgage. I owe more on my property than the market valve I need to get my payment on a fixed rate. I do want to keep my home
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

I had a bundled internet, cable and phone deal using XXXX for phone and internet and XXXX XXXX XXXX ( XXXX ) for cable. Upon canceling the service, I received a final bill for all services and wrote the check directly to XXXX, as normal. In a couple months, I received a 30 day past due notice from XXXX XXXX XXXX saying my final payment of {$210.00} was not received. I called them and XXXX to complain and was told it would be rectified. More than a year later, a collection notice was put on my credit report for {$210.00}. I disputed the account and the debt was removed from my reports. About a year later, the same {$210.00} collection was put on my report, this time with a new collection agency. I called XXXX XXXX XXXX and they agreed it was likely XXXX 's fault and removed the collection. Now, I again have the same {$210.00} collection added to my account. This time I called XXXX XXXX XXXX and they now refuse to remove it until and unless I provide proof I paid it ( or have XXXX prove they forwarded the payment to them ). This account was paid out of a Sovereign account that has been closed for over 2 yrs and has been successfully disputed twice ( soon to be three times XXXX. I am at my wit 's end with these people. I have never received any collection calls from XXXX, but they obviously did not pay XXXX XXXX XXXX.
Consumer complaint received 2017-10-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XXXX/XXXX/XXXX at XXXX pm I made a deposit for {$700.00} at the ATM of the Fifth Third Bank office in XXXX Ohio XXXX XXXX XXXX XXXX, XXXX, OH XXXX where I have my account, the ATM did not make the deposit and he also did not return the money but gave me a receipt where he says that due to technical problems the deposit could not be made nor the money returned, I filed the complaint and the bank gave me the amount in credit while the dispute was resolved, after 30 days I received a letter saying that I had lost the dispute and therefore I had to pay the money they gave me in credit, I made a second claim and after another 30 days I received another letter with the same resolution, that I had to pay the money given in credit. It should be noted that I faxed a copy of the receipt provided by the ATM to me on XXXX/XXXX/XXXX at XXXX pm, I have complied with what the bank has demanded on my behalf notwithstanding they still I have proof of the error of their machines they insist that it 's my fault, they closed my bank account and they passed me to a delinquent collection department
Consumer complaint received 2024-11-06
Product: Credit reporting 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. (PA)

There are XXXX inquiries on my TransUnion credit report that I did not authorize or I did not apply for anything XXXX my name someone is stealing my identity or trying to please remove them inquires please and thanks
Consumer complaint received 2017-10-10
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. (TX)

I mailed multiple inquiry letters to TransUnion in order to dispute information in regards to 13 hard inquired that is being reported on my credit report. The request that was sent included 13 hard inquiries that were not factual.I was apart of the TransUnion glitch and several inquiries that had been deleted have been added back to my report. Inquiries as follows XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) regulates credit bureaus in the United States, including XXXX XXXX. It establishes rules for reporting, and specifically, 611 5 ( b ) of the FCRA covers a credit bureaus requirements relating to the reinsertion of previously deleted information on an individuals credit history. It states that if information was removed pursuant to a consumer dispute, that information can not be re-added to a credit bureau. TransUnion customer service did nothing to help and take care of the negative inquiries reporting to my report.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MD)

On XX/XX/year> I had {$6700.00} in my Citibank Checking account. I attempted to pay a bill via wire transfer to XXXX XXXX XXXX XXXX for {$6600.00}. I successfully answered questions from the fraud department about the wire transfer. ( I initially missed the call, but I called them back and answered their questions. ) Even still, Citibank canceled the transaction. 

Before this I had {$75.00} in my account. My mom and grandmother gave me another {$6700.00} to pay this bill. 

Citibank sent me a letter on XX/XX/year> stating that they were closing the account and that they would refund me the remaining funds in my account within 60 days. That was 6 months ago and I still have not received the funds from that account. In XX/XX/year>, I went into the branch where I opened the account and asked to get the funds back, and they refused. They assured me that since the account was closed, they will refund the remaining funds in the account at the time of closure within XXXX weeks. But they did not. I have since called Citibank several times and they said they they would return the money to the sources of the transfer to me -- my mom and my grandmother, however they have not returned the money to them either, nor did they return the money I had in there before. I wrote Citibank a letter on XX/XX/year> about the matter and they have not responded. It has been 6 months and they refuse to talk to me, they refuse to give me access to bank statements, they refuse to refund my money, and they refuse to give my mom and my grandmother their money back.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I'm reaching out to raise my concerns about several issues I've faced with the credit bureau. These issues include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.
Consumer complaint received 2017-10-10
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: CITIBANK, N.A. (MD)

A hard inquiry was reported from " Thd/cbna '' on XXXX XXXX, 2017. I called Citi Theft Solutions through the Home Depot. They were supposed to remove the hard inquiry. To date, this has not been removed.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

Please refer to the following complaints : XXXX XXXX/XXXX/XXXX XXXXXX/XX/XXXX I have asked this company to validate/verify the said debt and they repeatedly and knowingly report this information without verifying the debt. I have specifically, starting inXX/XX/XXXX asked that the debt be validated as per FCRA. This company ONLY sends a bill and calls it validation. I have yet to receive the following : -Original contract that has my signature as a promise to pay - Contract or assignment documentation that shows they are able to collect and report on my credit. 
-Full accounting of the said debt from account inception ; contract and promise to pay, all payments, offers credits etc. on the account and how they arrived at the full balance. 

Simply providing a bill is not sufficient under the law. They did not provide this information within 30 days of the original XX/XX/XXXXrequest and this company is hereby in violation of the law FCRA as they continue to tell the credit reporting agency that the debt has been validated and it has not. 

I have reported this illegal act to the California Attorney General and this will be the last resort before filing a formal law suit against Diversified Consultants. I am requesting that DCI remove this line item from my credit report as they have not validated the debt. 10 months later they have not validated the debt however they keep breaking the law in telling the credit reporting agency that the debt has been validated. I am seeking resolution at this level or I will sue this company which will result in a fine for each occurrence. Meaning every time this company broke the law and lied and told each of the credit reporting agencies that this was a validated and verified debt as well as sent me a bill and not the validation requested they will be held liable.
Consumer complaint received 2017-10-10
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)

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting 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. (ME)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2017-10-10
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. (CA)

XX/XX/XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that Transunion is not able to obtain. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX and FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.