davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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 has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts and 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 the Credit Bureuas and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they 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 2024-11-01
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. (TN)

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. 
XXXX  account # XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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 2022-08-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX and XXXX have both 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 an account without my WRITTEN instructions.
Consumer complaint received 2022-08-05
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. (NV)

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in fraudulent accounts. 
I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.
Consumer complaint received 2022-08-05
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. (NV)

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in fraudulent accounts. 
I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.
Consumer complaint received 2022-08-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

Our USDA loan was in a COVID-19 forbearance for 12 months under the CARES Act. Prior to forbearance ending on XX/XX/22, and on several occasions since then, we have attempted to reach our servicer, LoanCare, to exit forbearance and bring the account current, including by phone, fax, email, and mail ( see enclosed contact log ). We have repeatedly requested to resume our contractual payment and retain the original terms of the loan, deferring the past due balance to the end of the loan. LoanCare has erroneously advised us that USDA loans are not eligible for deferment and that the only option to exit forbearance is a Loan Modification, which would change our interest rate and payment terms. This is incorrect according to USDA, HUD, CFPB, and even literature published by LoanCare. LoanCare has neglected to abide by the guidance of the aforementioned agencies who regulate the implementation of the CARES Act regarding COVID-19 forbearance. The guidelines are clear. Resuming our contractual payment and deferring the past due balance to the end of the loan is one ( of multiple ) options available to us as USDA borrowers. LoanCare has ignored our multiple requests, insisting on Loan Modification only. On XX/XX/22, we received Loan Modification documents from LoanCare in the mail that we did not want or request. LoanCare has failed to provide us with all available repayment options in accordance with the protections provided by the CARES Act, which they are obligated to do.
Consumer complaint received 2022-08-05
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2022-08-03
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. (TN)

My identity was compromised in XXXXXXXX XXXX XXXX. Subsequently I discovered a XXXX XXXX bankruptcy among several other fraudulent accounts were reported to and remain on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies MORE THAN 7 TIMES, but Transunion and the ( Transunion company, " LCI '' ) have denied all my disputes REPEATEDLY! This erroneous XXXX  XXXX bankruptcy is seriously hindering my credit worthiness. I DEMAND THIS INACCURACTE BANKRUPTCY AND ACCOMPANYING ACCOUNTS ASSOCIATED WITH SAID BANKRUPTCY BE DELETED FROM MY TRANSUNION CREDIT FILE NOW!
Consumer complaint received 2022-08-05
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. (VA)

Experian has not responded to my dispute. Instead it updates the entry with no changes. When i open a new dispute with proof it then forcefully closed the complaint stating it was duplicate complaint. Experian refuses to correct the documented entry on Experian Credit Bureau. I have made multiple attempts with various causes to justify my dispute, all have been ignored. The dispute regards to a documented late payment posted on XX/XX/XXXX, by XXXX XXXX XXXX  revolving account. The account number is displayed as XXXX. Prior to the most recent complaint Experian lied about concluding my dispute. I have attached an image showing Invalid data that was clearly an error that was not verified or corrected.

( 1 ) Under 15 U.S.C 1681 Section 602 A. It State I have the right to privacy. ( 2 ) 15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 
XX/XX/XXXX I called Experian and opened a new dispute. Which shows XXXX  XXXX violated my rights under the CARES Act which was activated in XXXX due to the National Disaster, COVID Pandemic. In which is still current. Federal Law Prohibits Negative Credit Reporting. The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) My account received accommodations which included waived late fees and placing my account into financial hardship programs due to temporary loss of income. My account was paid and placed in a current status and has been. However, the entry was never updated to reflect current. Hence, late payments reported is not complying with CARES Act and the FCRA.
Consumer complaint received 2022-08-03
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: GOLDMAN SACHS BANK USA (NJ)

For many years I was a responsible XXXX XXXX XXXX XXXX member. I made payments on time and went so far as to put my card on a HOLD until I had the balance paid in full. I paid the balance in full on XX/XX/22 in the amount of {$150.00} with check # XXXX. That month XXXX XXXX was bought out by Marcus : by Goldman Sachs card. I received a bill for {$9.00} for XX/XX/22 and {$9.00} for XX/XX/22 for charges from a company that was able to bill the Marcus : by Goldman Sachs card. That company was XXXX. I called XXXX and learned that my account with them was canceled and that the bills to the Marcus card were made in error. I called and asked Marcus : by Goldman Sachs to open a case investigation into my account. I spoke to XXXX on XX/XX/22, then XXXX on XX/XX/22, and then XXXX also on XX/XX/22, from the Specialist department, XXXX, who stated that a credit would be applied in the next 2 billing cycles and that Marcus would call if they needed further information. I received letters with Dispute ID # XXXX and # XXXX informing me that the card disputes for {$9.00} and {$9.00} were credited to my account. However, the interest charges and late fees were NOT credited. I asked for disputes to be placed on the late fees and interest charges. Only the interest charge of {$0.00} was credited back. The {$40.00} late fees were NOT credited back. I called and spoke to XXXX on XX/XX/22 and then spoke to XXXX and XXXX on XX/XX/22. I was told by XXXX that the late fees were not reversed because the department that deals with late fees found that no error occurred. The Specialist XXXX said that she would put in another dispute for the {$40.00} late fees, however, she did not feel that they would get refunded because they had deemed it as no error occurring. XXXX did admit that the HOLD that I placed on the account when it was owned by XXXX XXXX was lifted during the conversion to Marcus : Goldman Sachs. I never authorized the hold to be lifted. I should not have a balance at all with Marcus : Goldman Sachs. I never made charges on the account. I was told by XXXX that I would need to make payments on the account anyway. I was told by XXXX that this was not an escalated complaint and there was no one else I could speak to.
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I payed my XXXX amount in full to the amount of XXXX. The payment was incorrectly processed. They only took the current amount and put the past due amount towards the principle. This made my payment always late. The bank has no interest in correcting the mistake and just added late fees. I payed my last payment according to the new escrow statement that was provided and they decided to hit my credit report with a 30 day late mark.
Consumer complaint received 2024-11-01
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. (FL)

I am writing to request the immediate blocking and deletion of fraudulent accounts on my credit report, as I am a victim of a recent data breach and identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts removed from my credit report. 
The following accounts were not opened by me and were added to my credit report without my authorization : XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$2400.00}
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and the following accounts are in violation of The Fair Credit Reporting act. I am asking that these inaccuracies be deleted from my reports and updated Immediately. These accounts are not properly validated, and the information is incorrect. Please delete these accounts, I ask when they are deleted that an updated copy of my credit report be mailed to me thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-05
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. (CT)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (UT)

On XX/XX/2022, I applied for a scam job. The recruiter claimed to be from the company " XXXX  ''. The so-called recruiter who claimed to be " XXXX XXXX XXXX XXXX I looked back on the XXXX information and it looked like they changed the profile to a different photo ) sent me a check and told me to deposit the check to my bank account and use Zelle to transfer the money to their so-called " Vendor '', claiming they would use that money to send me supplies for the remote job. The name of this so-called Vendor was XXXX XXXX XXXX and the email that the money was sent to was : XXXX. 
The email from the scam recruiter was : XXXX XXXX The check was for {$3500.00} dollar. The check, however, didn't go through. Because of this, I have overdrawn around XXXX XXXX dollars from my checking account. 
On XX/XX/2022, I filed a claim through XXXX XXXX to do a full investigation on the matter, after 10 business days, they were unable to return the funds because the money was successfully sent to the vendor on Zelle. This made me feel very XXXX. As a college student, this scammer took more than half of my savings away. 
I did more research online on resolving the issues and filing a complaint with CFPB was one of the options.
Consumer complaint received 2022-08-05
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. (CT)

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-08-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-08-05
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. (LA)

I have submitted several letters to XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION : Last verified '', ''closed date '', ''last payment '' and ''creditor remarks ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED. 

In addition, I have been sending dispute letters to XXXX and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against XXXX credit bureaus and ( XXXX  XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.