davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-04
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. (GA)

XX/XX/2022 To Whom It May Concern, I would like this item immediately investigated and removed. This inaccuracy is highly injurious to my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of everyone with whom you have verified the above items, so that I may follow up. 

You indicated in your last letter which I included that you received this information from the XXXX XXXX XXXX Georgia Bankruptcy XXXX. I have included a letter from them stating they do not provide this information to the credit bureau. Please send me documentation where you have this information that also shows my social security number or remove this asap. This has already been removed from XXXX, XXXX, and XXXX. 

This belongs to someone with a similar name. 
XXXX  XXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00XXXX XXXX XXXX Balance Owed : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$13000.00XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXXXXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4800.00}
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (TX)

ARM Solutions out of XXXX, CA, on behalf of XXXX XXXX XXXX is actively trying to collect a debt that is not valid. I entered an agreement with XXXX XXXX XXXXl at a previous address XXXX XXXX XXXX, XXXX Texas XXXX, in 2021, with the company guarantee that their services would eliminate pest and bug problems. I called this company out on multiple occasions to no avail, as the services being provided were not adequate. After multiple visits to the home, I contacted the company to tell them that they have breached their " guarantee '' policy by not being able to eliminate or even slow the pest situation and that I was going to have to change to another company that could take care of the issue. They immediately began calling me, emailing me and texting my cell phone weekly, harassing me about a breach of contract fee that was to be charged. I told them that they were if fact, the party that had breached the contract and that I would not be paying any fees. This same scenario happened multiple times, and each time, they would tell me that a " manager '' would contact me back. When I received a call from a " manager '' several days later, it was a collection agent from another country outside of the US, who proceeded to threaten me about the " consequences '' of not paying the fees. I am completely dissatisfied with this company and the so called " service '' that the were unable to provide, as well as their shady business practices and harassment. I want all of the money back that I paid to XXXX XXXX during the time we were under contract, because they were never able to do anything that they claimed. This company is a scam and I would advise anyone who considers using them not to.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (NY)

I would like a proper investigation on these hard inquiries that Authorize or sign off on a proper investigation showing my signature or something in writing. Accordance with the Fair Credit Reporting act. They have 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. 
Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIA Multiple hard inquiries on my credit that I did not give permissible purpose for not request any of these I would like them to be delete it off my credit report and properly investigated as well and show proof of the investigation
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (PA)

I had a mortgage with Home Point Financial Corporation, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. The mortgage has been sold to XXXXXXXX XXXX I recently received notification from XXXXXXXX XXXX that they billing me for lender placed insurance passed on from Home Point. I do not escrow and have proof of insurance throughout the length of my mortgage. I have no record of the insurance and no documentation of the insurance policy, nor does the previous lender. This insurance was placed without my knowledge. I provided proof of insurance and was told that they would not initiate the lender placed insurance in XXXX of XXXX This charge just recently showed up with my new lender who is unable to assist.
Consumer complaint received 2022-08-04
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. (FL)

As dated XX/XX/2022, I, XXXX XXXX, Consumer. According to TransUnion LLC, dated on XX/XX/2022 have Verified Account XXXX XXXX # XXXX reporting as VERIFIED AS ACCURATE. TransUnion LLC, XXXX XXXX who is in fact is TransUnion LLC Chief Financial Officer ( CFO ) pursuant to 15 U.S. Code 1681e ( b ) 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 whom the report relates. XXXX XXXX who is In FACT TransUnion LLC Chief Financial Officer ( CFO ), TransUnion LLC, I, XXXX XXXX am DEMANDING TransUnion LLC to provide documentary evidence to prove that TransUnion LLC have followed reasonable procedures to assure maximum possible accuracy according to the Fair Credit Reporting Act pursuant to 15 U.S. Code 1681e ( b ). This notice shall not be construed for any reason. If TransUnion LLC willfully and intentionally fails to provide proof of reasonable procedures to assure maximum possible accuracy, TransUnion LLC, XXXX XXXX who is in fact TransUnion LLC CEO ( chief executive officer ), XXXX XXXX in fact is TransUnion LLC CFO ( Chief Financial Officer ), shall be fined {$1000.00} ( PER DAY ) for negligence noncompliance pursuant to FAIR CREDIT REPORTING ACT 15 USC 1681o ( a ) ( 1 ) until the day of deletion ( s ) of the mentioned account ( s ) from XXXX XXXX XXXX XXXX XXXX and until the day TransUnion LLC have proof of full compliance of federal law ( s ) 15 U.S. Code 1681e ( b ) Upon receipt of this notice THIS NOTICE SHALL TAKE EFFECT IMMEDIATELY WITH PREJUDICE!! ALL LEGAL ACTIONS WILL BE TAKING!! Thanks, best regards.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

A supposedly deactivated Bank of America credit card with a closed account number used to make purchases on XXXX several months after the account was closed. 

On XX/XX/2022 I lost my Bank of America Credit Card. On XX/XX/XXXX a Bank of America fraudulent charge alert notified me that someone had made purchases with that credit card through XXXX and XXXX. I immediately called Bank of America to report the fraudulent charges and close that account. Bank of America said they deactivated that card as of XX/XX/XXXX or XX/XX/XXXX. 

On XX/XX/2022, I found charges to my new Bank of America account from XXXX, despite not having used my new Bank of America card since the end of XXXX ( when I found the fraudulent charges ). I called XXXX to report the Fraudulent activity and confirmed that last four digits of the card used to make the purchases and the last four digits of the card canceled in XXXX. This time I had not been alerted at all by Bank of America. The supposedly deactivated credit card had been used to make purchases on XXXX and the charges were coming to my account. It is also evident that no identity validation or security checks had been done to ensure that the transactions being made with that card were initiated by the actual owner of that credit card.
Consumer complaint received 2022-08-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Im XXXX XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-08-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (FL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes please. Thank you.
Consumer complaint received 2022-08-04
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. (MN)

Equifax reporting an inaccurate credit score for me on XX/XX/XXXX dropped-37 points everything is being paid and on time, all my other credit agencies are good. I checked on XXXX XXXX and also XXXX XXXX and saw it had been dropped by no fault of mine. I see on the news others have been impacted as well, falsely reporting.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I opened an account with Citizens after seeing and using a {$300.00} sign up promotion requiring an eligible direct deposit. I opened the account in XXXX, and satisfied the requirement in XXXX I have not received the promotion to date. All my attempts to contact customer service to resolve have failed, including online chat, SMS chat, and multiple calls to customer service that always result in hold times nearly XXXX minutes and either not getting in touch with someone, or being put back on hold.
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX inaccurately reported an account as a charge off and provided a letter stating that it should be removed from my credit report. Equifax has yet to do so claiming XXXX XXXX XXXX XXXX is stating the charge off is accurate.
Consumer complaint received 2022-08-04
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. (CA)

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXXXXXX XXXX Balance : {$85.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2022-08-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX 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 a account without my written instructions.
Consumer complaint received 2022-08-04
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. (PA)

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT ED/XXXX XXXXXXXX Balance : {$210000.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-07
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. (NV)

I had written to formally file a complaint regarding XXXX XXXX XXXX, XXXX. To the credit bureaus and make them aware that this collection account on my credit report in inaccurate in false. I was advised to conduct my own research on XXXX there I found that XXXX XXXX XXXX, XXXX is not a licensed collector in the state of Nevada. 

This collection entry is negatively affecting my credit score and is causing me undue stress and hardship. As per Nevada law, any company engaged in debt collection activities in the state is required to be properly licensed. Since XXXX XXXX XXXX, XXXX does not meet this requirement, their reporting to my credit report is not only inaccurate but also unlawful. 

I kindly request that you investigate this matter and take the necessary actions to rectify this issue. I have attached copies of my credit report, documentation confirming that XXXX XXXX XXXX, XXXX is not licensed in Nevada, and any other relevant information for your reference. 
I visited nmlsconsumeraccess.org where I confirmed XXXX XXXX XXXX, XXXX is not licensed in the state of Nevada. 

Please let me know if there is any additional information or documentation needed from me to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.
Consumer complaint received 2022-08-04
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. (NC)

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00}