davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (TX)

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. This account has VIOLATED MY RIGHTS!!! ( ( XXXX XXXX  XXXX XXXX ) ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature, proof they own debt, payment plan/history and creditors information or I expect this account to be deleted within 30 days!!!
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.
Consumer complaint received 2018-11-13
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. (OH)

I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account XXXX {$1300.00} XXXX {$100.00} XXXX XXXX {$1600.00} XXXX {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX/XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE
Consumer complaint received 2018-11-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

My loan was transferred to Selene Finance on XX/XX/2018 from XXXX XXXX  whom I had gone thru the loss mitigation process and had been approved for a repayment plan, a signed repayment agreement was sent along with the initial payment as requested. Selene miss handled my account for months, I called practically everyday had to resend documents multiple times cause they either lost them or claimed to have never received them, their staff was incompetent in handling even the most basic of questions and request. Supervisors never returned my calls and finally over 5 months later I received a notice that my repayment plan had been canceled due to lack of payment even though they had a check that sat there for months uncashed and numerous times I was told by their representatives to hold onto the funds until they completed the account transfer. I then applied for foreclosure assistance thru my county and once again to get any documents the county needed or their cooperation was futile. I was approved for assistance on  XX/XX/2018 and the only requirement needed by the county was a XXXX in order to release the funds, weeks later, many phone calls, written request for this simple form and I am about at my deadline for the county funding and still no cooperation despite my constant follow up on a daily basis and my clear expression of the urgency of the matter. This company should not be allowed to continue doing buisness as they treat their clients with no priority and they have been sued and have tons of complaints against them.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are 1. XXXX  2.XXXX XXXXXXXX XXXX 3XXXX XXXX 4XXXX XXXX 5XXXX XXXXXXXX XXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I went to open a Checking Account with Chase on Saturday, XX/XX/XXXX. Everything proved to have been accepted and I received my temporary card in which I deposited XXXX dollars immediately. When I attempted to log in today, Wednesday, XX/XX/XXXX I come to find that my account is restricted and after following up with a call to their customer care, it has been closed. 

I did not receive any information as to why my account was closed. This is the second time Chase does this without a reason as to why they are closing. They simply state, I am sorry but we can not release this information to you?
Consumer complaint received 2023-07-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. These inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : Personal Loan Date of Inquiry : XX/XX/ Creditor Name : XXXX Type of Business : Bank Date of Inquiry : XX/XX/ Creditor Name : XXXX XXXX Type of Business : Finance Date of Inquiry XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXXXXXX Type of Business : Auto Date of Inquiry : XX/XX/ Creditor Name : XXXX XXXX XXXX Type of Business : Auto Date of Inquiry : XX/XX/ I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

A reaffirmation agreement was made with PNC Bank in XX/XX/XXXX on my home equity line of credit. The line was closed at that time, but payments have been made faithfully and on time throughout the entire loan. In XX/XX/XXXX, PNC did a system update and forgot to include a bankruptcy disclosure on their statements. Since that time, they refuse to send me a bill or statement. After contacting my attorney and providing PNC with a copy of the reaffirmation agreement, that PNC was not able to find ... my attorney advised that there is no reason PNC can not provide me with billing statements. I have been been faithfully making payments blindly not knowing if they are posting to my account. PNC was also told about an inaccurate report they posted on my credit report in XX/XX/XXXX ... .stating account was included in bankruptcy. Since then, they have changed it to show paid as agreed, then changed once again to show closed as of XX/XX/XXXX. This is not the case, as I am still paying. Or should I not be paying? I would not know as they refuse to issue a statement. I have made at least 4 attempts by phone to them. Also a few attempts by email with a XXXX XXXX phone number XXXX email XXXX. He has not reached out to me since XX/XX/XXXX, when he was to be forwarding to the proper department for resolution. I also asked for many of my phone complaints to be documented and sent to me ... but they have not. 
All I ask is for statements to be provided or the account be absolved, due to their lack of incompetence. 
Thank you!
Consumer complaint received 2023-07-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (MD)

XX/XX/XXXX, I paid the loan off. Flagship credit failed to send my payoff letter and update all credit bureaus accurately. I was able to speak to a representative in XX/XX/XXXX and they confirmed all fees were satisfied and i should receive my payoff letter in 10 business days. I still have not received that letter. I have made several attempts to contact Flagship, however, their automated system does not recognize former customers and very challenging to get a live person. I spoke to a supervisor on XX/XX/XXXX and expressed the urgency of the matter as I would also like to purchase a home. I requested that this document be emailed to me as soon as possible, but I still have no resolve to this matter. This negligence is causing a real delay in me moving forward with obtaining a better credit standing and moving forward with life goals.
Consumer complaint received 2023-07-07
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. (NC)

Recently, I did an investigation on my credit report which caused severe disappointment upon me finding unverifiable, invalidated, inaccurate, and questionable items that the credit bureau agencies did not make sure was 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) these accounts are in violation of not reporting 100 % accurate information.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

I have been trying to file a dispute with your company but your online dispute website is not working. I also called your number and wasn't able to be helped. On XX/XX/2018 i sent a letter to the XXXX XXXX of XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance ( XXXX ) for {$120.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX of XXXX did in fact cash my check, and I have documents to prove it. The XXXX XXXX of XXXX did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. 

A few weeks ago, they was a collection added to my Equifax credit report which should not have been there. That collection came from XXXX , XXXX . Original Creditor Nameis XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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: CORELOGIC INC (FL)

this inquiry was put on my credit report illegaly by a company i have never done business and shared my personal information. i do not remember owning this account nevertheless a status appeared stating XX/XX/2019 i opened this account, it does consist with other consumer reports i have, the company is XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

An authorized signer on my checking account had their debit card number and PIN number stolen. On XX/XX/XXXX we noticed four unauthorized cash withdrawals from our checking account, even though we have possession of the debit card. The transactions are listed here : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY for {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY for {$41.00} XX/XX/XXXX XXXX Citibank ATM XXXX XXXX XXXX XXXX, NY for {$60.00} XX/XX/XXXX XXXX Citibank ATM XXXX XXXX XXXX XXXX, NY for {$80.00} On XX/XX/XXXX I confirmed with my authorized signer that these transactions were not authorized and I called Citibank to report all four transactions as fraud. They told me they needed to create an inquiry for all four transactions and they would need at least 10 business days to notify me of a decision on the inquiry. I waited 10 business days and on XX/XX/XXXX I called to inquire about the status of the inquiry. The representative informed me that they needed more time to make a decision about the transactions made on the XXXX and that the transactions made on the XXXX were removed from the inquiry by another representative with a note saying that it was some sort of mistake. I was then forced to create another inquiry on XX/XX/XXXX about the two transactions that occurred on the XXXX and asked to wait another 10 business days for a response. 

I tried explaining in my follow up call that these transactions could not have been performed by my authorized signer because they have never been to the locations in the disputed transactions. I also stated that on XX/XX/XXXX my authorized signer had possession of the debit card and that they had made a purchase at XXXX in XXXX, NY on XXXX XXXX at XXXX AM for {$10.00}, and exactly 22 minutes later the first unauthorized transaction occurred in XXXX, NY. This alone was proof of fraud. 

My authorized signer followed up again on XX/XX/XXXX about both inquiries and we were informed that the first claim was denied because their card and PIN number was used at the locations. Again my signer tried explaining that the card must have been copied because we currently have possession of the debit card. They offered my signer a chance to appeal and to provide more documentation but no money was refunded. They also informed my signer that I had already made a second inquiry for the other transactions and that they needed to wait a few more days for a response on those transactions. 

Also, during my original call on XX/XX/XXXX an unauthorized cash withdrawal was made for {$80.00} at XXXX XXXX at a Citibank ATM on XXXX XXXX XXXX XXXX, NY. The Citibank fraud department contacted my authorized signer about this transaction only and they confirmed with her that she didn't make the transaction and this single transaction was refunded. They then expedited her a new debit card.
Consumer complaint received 2023-07-07
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: CAINE & WEINER COMPANY, INC. (FL)

this inquiry was put on my credit report illegaly by a company i have never done business and shared my personal information. i do not remember owning this account nevertheless a status appeared stating XX/XX/2019 i opened this account, it does consist with other consumer reports i have, the company is Caine & Weiner Company.
Consumer complaint received 2023-07-07
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. (FL)

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 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 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 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX XXXX. They were supposed to respond within 30 days. We they did not, we filed complaints with your organization. Equifax and XXXX XXXX finally sent her copies of her investigation results, but I have yet to receive mine. I just don't understand what could be taking so long.
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (FL)

Penn Credit continues to call not only my cell phone BUT also my work Phone several times a day. I have asked them to stop and they still continue! 

I have nothing owed as I have had attorneys who have worked with two companies in that past yet random dept collectors still try to call for the same thing that has been taken care of 2 years ago! 

This needs to stop!
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I received a letter from Experian after I requested my personal information ; name and address be updated with one name and one address as there are multiple names and addresses that are incorrect on my profile. Experian has failed to update my credit profile with the exact and correct personal information, Experian has stated all addresses and names are connected to an account which is false. Experian is the only credit reporting agency that has thats has failed to update my consumer personal information. Please update my personal information with one name and one address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Consumer complaint received 2023-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/2023 {$340.00} XXXX Billed location I have tried calling to refund on a charge that was paid in CASH, plus the amount is over the price for 1 person in which I have witnesses that were present. I tried calling the company and hotel management. NO RESPONSE or RESOLVING issue. 

Capital One says I provided a lack of requested information and closed my case when I provided fully information and statements. No further assistance or follow up was requested. 

I have called numerous times