davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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. (IL)

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to privacy and confidentiality. Under the law 15 USC 1681. ( XXXX Account number XXXX ) Replace this with the accounts being disputed has violated my rights. 

15 USC 1681 section 602 A States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-08
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have disputed this acct XXXX XXXX XXXX several times with Equifax. Each time they say it 's verified. But when I ask them to send proof that this is my account. They never do and they tell me they do n't have to verify this account. By law states that I have a right to see what was verified. This item is dated XXXX/XXXX/XXXX That was 7 years ago. I just got a copy of my updated report and this item is still listed on my credit report as of XXXX/XXXX/XXXX. XXXX is a very bad company and already have several complaint with the BBB. They do not do fair practices and I want this item removed immediately. And I will be contacting an attorney to move forward with a lawsuit against XXXX XXXX. In the meantime I want this company investigated for unfair practices, and I want this item removed immediately. By law this item can not stay on my credit report past 7 years. They know this yet they continue to let this stay on my credit report. Equifax investigated this item and took more than 30 days to get back to me. Equifax is just as bad as XXXX XXXX.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any reason
Consumer complaint received 2023-11-08
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Today I received a call from someone claiming to be light stream finance. They had a legit looking form and I completed it. Then they were disputing my accts and got me XXXX on my bank acct. So they asked me to cash app them the XXXX to a XXXX XXXX and thats when I realized I was being scammed. I hung up and called my back and cancelled the disputes. Also blocked the number from my phone. XXXX ( XXXX ) XXXX Here is XXXX of the numbers they called from. The form also had the actual light stream logo so it looked real. The man called me back on a different number and threatened that if I didnt send HIS money to him on the cash app tag $ XXXX that he will call my bank and get double that amount.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

I filed a chapter XXXX bankruptcy a stay was put in place Chase was informed of the BK and stated they did n't do anything special for BK and did n't have a department. They are still took all of my check for fees and over drafts and still continue to collected from those fees I tried to dispute the charges and they told me I was to late but I had been reaching out trying to get this care for and no one could help I went in the branch and everyone was clueless and I am out of XXXX in fees and charges that they would n't allow me to dipute I had be calling they would allow me to close the account becaue it was overdrawn I have 2 accounts with them my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX . 
XXXX, AZ XXXX
Consumer complaint received 2017-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I bought a XXXX plain ticket from XXXX they agreed to give the money back but issued it to a closed account I tried to explain this to BOA multiple times and they never excepted documents or tried to help me at all. I need my money back
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (NY)

FRAUDULENT CREDIT CARD OPENED UNDER IDENTITY THEFT APPLIED ON TO MY CREDIT REPORT BY EXPERIAN THEY HAVE BEEN SENT 5 TIMES THE FRAUD FTC REPORT
Consumer complaint received 2017-12-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX
Consumer complaint received 2023-10-31
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I have 4 egift cards from American Express from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have used one of the gift cards in XX/XX/XXXX and had success so I know they have worked in the past. I went to use all of them yesterday and they were all declined. The American Express website says I have a balance on all of them. The American Express website also says " The safety and security of your Gift Card is important to us. To avoid your Card being declined when shopping online, please use at online merchants that require the Card number, expiration and security code. ' I am shopping on XXXX where I used the card prior. A security code and expiration date is used on XXXX so there is no reason these cards should be declined. I also tried one of the cards on XXXX on XX/XX/XXXX and that was also declined. I called American Express on XX/XX/XXXX and was told to use the card at a different online store and that this happens with some stores and not all. I called AMEX today and was told the pending XXXX cent charges for my declined XXXX attempts would be returned to the card in 10 days. I am asked for a full refund of all of the cards and was told the customer service person understands but can not help. I asked to speak to a supervisor and have been on hold with American Express over 40 minutes now.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION (NY)

We were in the process of selling our home. On XX/XX/2023 we called the bank asking for proof that our forgivable loan was satisfied. We never recieved any documentation. Meanwhile we closed and the title company is still waiting for the satifaction for this sonymay loan. This should really have been sent to us over a year and a half ago. Last night I called to find out if the satisfaction was ever completed and I was told it never completed it was left open. I asked for this to be expidited by today and I still do not have the satisfaction from M & T bank. spoke to a supervisor who told me I still have to wait a couple of days. M and T bank has been giving us a hard time while they carried our mortgage and are still giving us a hard time getting the balnace of our escrow money from the title company while waiting for this satisfaction.
Consumer complaint received 2023-10-31
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. (CO)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP !!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently received a notice from XXXX XXXX XXXX XXXX Date opened XX/XX/ Account number XXXX Original balance {$2200.00} However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay.

2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

Someone tried to apply for a credit card in my name with Chase Bank. I contacted chase right away to let them know this was not me. They said they would not approve the card and remove the inquiry. this happened XXXX they still have not removed the inquiry and its XXXX XXXX. I have contacted chase XXXX
Consumer complaint received 2023-10-31
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. (IA)

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Equifax, Please unlock my account so I can lock in, freeze, and unfreeze my account, as well as get credit reports. 

I have called numerous times, and no one can resolve my issue. 

Attached to this complaint are : drivers license social security card address complaint screen shot of whats happening Fix this immediately.
Consumer complaint received 2017-12-02
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: CCS Financial Services, Inc. (FL)

On XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXXXXXX and that account will remain on my credit report until notification from XXXX  XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX  XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX  XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXXXXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX  XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a negative dispute on my account that both parties say its their fault that they will not take off. Its been payed. 

Also, I have a legitimate claim on an individual and individuals who claimed they had my mortgage secured. They completely lied about this and my Property was foreclosed. I have all the documents and emails to prove this. 

Lastly, I was involved with two lawsuits and the lawyer who was in charge of these showed no documentation whatsoever. These lawsuits were against ex business partners. I still hold all the emails and legal contracts.