davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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)

This serves as my final notice before I pursue legal action. I have made multiple requests, and Im done asking politely. Despite my numerous notifications regarding inaccurate, erroneous, and unverifiable information on my credit report, no corrective action has been taken. 

Under the FCRA, you are required to retain original documentation from creditors to confirm that the reported information is accurate and verifiable. In response to your investigations and subsequent reinvestigations, you stated in writing that this information is reported correctly. I have repeatedly asked for clarification on who verified these accounts, yet you have failed to provide any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Per Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any unverifiable information.

Sections 616 and 617 offer legal recourse if a credit reporting agency is noncompliant, which applies here. Since you have claimed verification of these accounts without providing any supporting information, I am giving you a final opportunity to DELETE the accounts immediately The continued misreporting of these accounts are causing significant emotional and financial distress, affecting my well-being, job performance, and family life. I urge you to address this immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-05
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. (GA)

I am a victim oXXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

Someone used my information to open an electric account. It was XXXX XXXX and account was sent to collections on XX/XX/2020 for {$610.00} collection company MRS BPO LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I reported identity fraud with the police, XXXX XXXX XXXX 's Office Case # 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. (AZ)

When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 accounts 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 any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

There is a fraudulent credit card opened with my social security number. I tried to open a savings account at CHASE XXXX XXXX, California and the person who assisted me said I couldn't because someone else has an account already open with my ssn. I was contacted by CHASE executive office, on XX/XX/2020. I already provided them with my ssn card, passport and CA driver 's license. XXXX the case manager got in touch with the Fraud Department but just recently XX/XX/2020, said that my case is closed under her department. Now I'm waiting for a response from Chase Fraud Department from which I haven't received any type of notifications. Yet I do expect a letter or something that confirms that no one is using my identity and that the alleged credit card, as well as account is cancelled. Also, I couldn't file an identity theft report to the police as suggested by CHASE because they couldn't provide me with the thief 's information.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I was denied a credit approval on XXXX/XXXX/2017 for a credit card from Citi Costco. I contacted COSTCO application department and I was told I was denied because of a 29 year old bankruptcy they have on their file. When I asked to remove the information because of age. I was told they will not remove the negative information from my file.
Consumer complaint received 2017-11-03
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. (TX)

XXXX XXXX XXXX trade is fraudulent and illegal. I have asked numerous times for this to be removed! It reamins on my report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the fraud trade be removed.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX  I received notice from Synchrony Bank, that issues and administers the Lowes store credit card. They have unilaterlally changed terms, the most egregious is the imposition of {$1.00} monthly " statement '' fee should I choose to remain on paper statements. Synchrony wants me, the consumer, to pay to receive a necessary monthly statement, especially since I accepted their previous offer for deferred interest, extended payments on a large dollar purchase. Financial companies have a new trick to boost their profits by having the consumer bear their required expenses -- like providing a monthly statement. This is blatant cost shifting to the consumer. It's the new trick. 

I'm asking the CFPB and the FTC to investigate and outlaw these practices. 

Forcing consumers to " e-statements '' without compensating them for their monthly internet access charges is unconscionable ; and should be ( it not already ), illegal. 

Because I am unwilling to accept this shameless corporate thievery, I declined accepting the new terms. Of course, because these are not really " negotiable '' terms, but unilateral, my account was immediately closed. 

Lastly, the new returned check fee and the Penalty APR was increased to astronomical levels : {$41.00} per return payment fee ; and 37 % APR. Unbelievable. What corporate XXXX.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit 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: CITIBANK, N.A. (TX)

Home Depot notified me of a Fraud Charge in XX/XX/XXXX ; they assured me the issue was going to get fixed. XX/XX/XXXX, I received a bill and called Home Depot ; they notified me the fraud claim was denied. I re-opened the claim. XX/XX/XXXX, I receive another bill. I call once again, they say the claim has been denied once again. They are not able to tell me why this claim is being denied.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (OH)

This company has harassed me so bad I had to change my phone number. I sent this company a dispute on these accounts they have two account from the same company which is XXXX XXXX XXXX XXXX for {$520.00} and another one same company for {$920.00} and when I requested the information that I am in titled to they refused. They just sent a notice saying they are collected Two debts and the balance and that's it. Not even a week later they begin to call me more than 3x a day when I said I requested I information the lady said not my problem you need to learn how to pay your debt .This had went on they would call from different numbers and all hours of day. Threatening to sue me contact my employer.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are 7 accounts that are on my credit report that I have been disputing with the bureaus and the furnishers since XXXX these accounts are not mine and they do not belong to me I need to get these accounts off my credit asap. I have filed for FTC I have a notarized identity theft affidavit but nothing is being done about this. 

XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXXXXXX XXXX XXXX - XXXX {$6200.00} Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I started an application for a refinance of a loan with Rocket Mortgage around the first of XX/XX/XXXX. They ran credit I paid for the home appraisal and they said it should close at the end of XXXX. They then asked me to prove I am still in business. I provided two bank statements 3 weeks apart. Now it is XXXX and about the third week of XXXX they told me they had to run another credit check. I have been in business since XXXX. Why would I refinance with the same company only to default??? 

Now it is XXXX. They took my credit from an excellent XXXX to XXXX after they ran the credit, my report said too many credit requests ... .They made me look like I am trying to get money all over town. 

I don't know about you but my credit rating is very important to me and after that happened I told the processor I am done with this process ... too long to wait. It was the end of XXXX at that time. I also think the closing costs out weigh the cost per month benefit and now I have neither .... just a black eye for my credit
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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.

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report
Consumer complaint received 2024-11-05
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-04-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Notice to all and everybody, I Am that I am, the consumer I fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the XXXX, XXXX. IT's ME XXXX XXXX THE REAL ONE AND ONLy. I included my social security card, which I'm the only one who would have access to that form of credit card so that you know it is the real me and so that you don't falsely accuse me of having an unauthorized party send this in on my behalf.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. Failure to respond satisfactorily with deletion of the above referenced account will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g 3. ) Negligent Enablement of Identity Fraud 4. ) FDCPA 807 False misleading information 5. ) FDCPA 809 validation of debt 6. ) FDCPA 8012 furnishing deceptive forms 7. ) 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy 8. ) 15 USC 1692g Validation of debt 9. ) 15 USC 1681n defines Civil liability for willful noncompliance 10. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports I demand that the following accounts be verified and updated to payed as agreed or removed immediately.
Consumer complaint received 2024-11-05
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-05
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)

In XXXX i found out that i was a victim of identity theft. The only person that i could think of that could of opened that many credit card accounts without my knowledge would be my ex husband. He kept alot of information away from me. I followed the instructions the bureaus gave me, but they only removed half of the fraudulent accounts. So here i am again trying to get this fixed.
Consumer complaint received 2021-04-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

My home mortgage is held by Wells Fargo Bank. I had been receiving COVID mortgage relief for some time as the result of being XXXX, and later requested Wells Fargo perform a loan modification. I was under the impression my responsibility was to make three consecutive mortgage payments in order to complete the processing of the loan modification. I asked if the payment dates changed, and was advised it had not, but it was reduced to {$930.00}. I made my first and second payment weeks in advance, however I have been receiving incessant nuisance calls and letters reminding me to make a payment, as if I'm late. I advised the last representative not to call me and not only did I receive a call, but a letter demanding close to {$9000.00}, that I was told not to worry about it by Wells Fargo. Wells Fargo is harassing me and traumatizing me. They are making me feel as they have bamboozled me and are attempting to take my home. They are creating a paper trail although I'm making payments.
Consumer complaint received 2024-11-05
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. (FL)

On XX/XX/year>, you received my dispute regarding some delinquent transactions and payments that you and XXXX XXXX reported on my consumer report. Upon filing this dispute under FCRA regulations, I received a response from TransUnion stating that the account was " verified. '' I do not understand why they responded with " verified, '' as I did not request verification of anything. The law clearly states that : ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) A report that contains information solely related to transactions or experiences between the consumer and the person making the report.

How can you validate a dispute regarding information that is excluded from the consumer report? The law states that transactions are not part of my consumer report. So how can they validate a late payment? 

In addition, we should review 15 USC 1666B : ( a ) Timing of payments : A creditor may not treat a payment on a credit card account, under an open-end consumer credit plan, as late under any circumstances unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by Section 1637 ( b ) of this title, is sent or delivered to the consumer no later than 21 days before the payment due date.

I am requesting all information pursuant to 1002 at 15 USC 1666B and the procedure that was used to authenticate the accuracy of the late payments. What reasonable procedure was implemented to ensure that each statement, including the information required by Section 1637 ( b ), was sent or delivered to the consumer no later than 21 days before the payment due date?

The only way to validate a " late payment '' is to ensure that, under 15 USC 1666B, the requirements of Metro2 and FCRA were met, in addition to the specifications of 15 USC 1666B. This process must be certified by an information accuracy agent.