davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (VA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2019-02-06
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. (SC)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX  XXXX XXXX
Consumer complaint received 2023-06-28
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. (NY)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX  # : XXXX XXXX XXXX  XXXX XXXX : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Incomm Holdings Inc. (TX)

This complaint is for Incomm.I do not accept the terms, I have suffer intangible damage due to this mistake on behalf of Incomm and also my securities has generated interest over this course of time which is a form of Security fraud of a sort no amount of monies can replace the damages your company caused my family and I, it has been over 18 months to get this matter properly addressed. I have been talking to representatives from this company who informed me over 10 times that this matter would be handle with is a Flagrant violation under the law and has penalty when damages occur and just a return of my Securities is not equivalent this not a cure for the damage that has been done. I will not accept the refund without interest and damages from this company as a delay in efforts to get a resolution.Under regulatory compliance this act is considered money laundering. I am asking for {$1000.00} for punitive damages and interest as well as a return of my Securities of the whole transaction of {$170.00} not {$170.00} if not willing to comply i will be forced to take to Arbitrary Court or class claim this is Malicious and Deceptive business practices and is a violation of federal law company still holding Securities and gaining interest of it. Which is unfair.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-28
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: T.S. Holdings (GA)

I.Q Data International Inc has a {$6800.00} bill on my credit report. I do not have a contract with them. I sent a debt validation letter via certified mail in XXXX and they sent back some kind of bill with only codes and amounts. No signed contract validating the debt. I would like this removed from my credit report.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (CA)

pentgon federal credit union has sent an account to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX md XXXX stating I owe {$14000.00} i never opened this account, i have never banked with pentagon federal credit union. my wife does, but this account was opened and now showing a debt of {$14000.00} this is fraud. i have filled out the packet for fraud with XXXX XXXX and notarized and sent the information back to them to remove this from my credit profile. This is now pending.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-06-28
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. (TN)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX BalanceOwed : {$200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX****Balance Owed : {$10000.00}.
Consumer complaint received 2023-06-26
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. (NV)

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. 

The letters are stated with items and issues. 

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 2023-06-28
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. (PA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX : Account number : XXXX, Im not responsible for this account.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

in XX/XX/2023, I received a letter from Rushmore loan servicing about updating my homeowners insurance policy ; I live in a condo so I provided the condo association master policy ; the letter I received mentioned either the COA Master Policy or my XXXX ; via the methods described in the letter I provided the updated Condo Association master policy ; and later recieved confirmation that my insurance policy was verified and sufficient coverage was confirmed. on XX/XX/2023 I receivd another letter from Rushmore requiring insurance information from me and threatening to buy very expensive homeowners insurance if I did not provide the insurance information they required! 
I spoke with an agent who said she was able to locate the condo master policy but they also needed my XXXX! even the XXXX letter mentioned either the condo master policy or XXXX! 
I believe Rushmore is trying to force me to buy expensive homeowners insurance on purpose that's why they denied receiving insurance information from me or accepting that the proof of insurance I already sent them in XX/XX/2023 was sufficient!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2023-06-28
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022, ( Payor ) wrote a check number XXXX to ( Payee ) for the sum amount {$68000.00}. On XX/XX/2022, Payee made an ATM check deposit for said sum amount in question. The Payees bank TD Bank placed a 6-day business hold on the funds and subsequently the hold being lifted put a restriction on the Payees account for identification verification. On XX/XX/2022, both Payor and Payee entered TD BANK branch located on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Fl. XXXX, for the purpose of identification verification. Upon such verification TD Bank refuse to release the funds to the Payee and informed him that his account was being closed stating TD Bank no longer want relationship. 

Currently, TD Bank has been in possession of the {$68000.00} in question for approximately 9 months and refuse to release the funds to ( Payee ) after identification verification was completed and without valid cause and refuse to have the funds return to ( Payor ) account upon Payees request. TD Bank has an obligation to return funds not subject to fraud back to where it originated.

However, Payor was directed by the Payees bank TD to reach out with XXXX XXXX XXXX and have the bank submit a claim requesting the funds to be returned to the Payors account. According to TD Banks Back Office, XXXX XXXX XXXX has not submitted any claims requesting the funds to be return back to the Payors account. XXXX XXXX Bank has an obligation to the Payor to make such request upon Payors request and has failed to do so.

Payor has made numerous calls to XXXX XXXX XXXX  requesting that a claim be submitted to TD Bank to have the funds returned to his account. XXXX XXXX XXXX allegedly submitted a claim requesting the funds to be returned according to their BACK OFFICE but have not provided the Payor with any documentation as proof showing a stamp date and time as to when the claim was submitted. XXXX XXXX XXXX has continuously relied on its response dated XX/XX/2022, stating, In researching your inquiry, we determined the issue of possible fraud on your account needs to be resolved directly between you and PAYEE, to deny Payors request in submitting a claim to have funds withdrawn from his account returned, thus depriving him of his property ( monies ) that was in trusted in the hands of XXXX XXXX XXXX. 

XXXX XXXX XXXX has willingly refused to submit any claims to TD Bank requesting the funds to be returned to Payors account and to provide any documentations demonstrating that such request was made. The monies are not subject to fraud nor there exist any evident that would state otherwise. Both Banks are violating the Payors and Payees rights in depriving them of the monies without any valid cause and are abusing their power in doing so.
Consumer complaint received 2023-06-28
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under the 15 U.S.C. 1681. 
Account # XXXX XXXX XXXX 1 ) 15 U.S.C 1681 section 602A, states I have the right to privacy 2 ) 15 U.S.C 1681 section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

3 ) 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than several years.

4 ) 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 2019-03-14
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: Upstart Holdings, Inc. (NC)

The reason I am writing to you is to state that Upstart is being inconsiderate, I have always been a loyal if not outstanding customer. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year, and I was over a month late in XX/XX/2018 ( payment reported as 30-59 days late ). Also, I had been carrying a sizable balance for several months but as I am writing to you now, I am in the process of paying of the balances on my Upstart account. their records will show that I had never been late with a payment until this unfortunate oversight. 

The reason for me to be off the schedule to make the payments is that I got married in XX/XX/2018 ( Proof of Marriage ). As a result, I travelled out for my honeymoon for a few days, having expected to be back in time to take care of my payments. Unfortunately, During the few days honeymoon, my wife fell very Ill and could not come back as planned. I wish all was well in our Honeymoon and had come back in time but now its too late for me to go back in time and fix the situation. This was not entirely my fault as I was not around to make payment. Were it not for this set back, I could have maintained my perfect record. I can assure you it wont happen again going forward. 

The reason for writing this letter is that Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. 

As a long-time customer in good standing, it would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment from my file that was reported in XX/XX/2018. 

Thank you for your consideration, and I hope youll approve of my request. 
I am attaching my travelling itinerary and marriage certificate for your reference.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

I bought a product through Pay Pal Credit for the amount of {$1400.00} on XX/XX/XXXX with the intent of paying it down to avoid the interest. I messaged them today XX/XX/XXXX in regards to why it was showing I owed more then I should on the promotional offer and it turns out they only apply your payment to the purchase if you contact them each month. To which I was never in formed. So in order to avoid interest I have to pay {$1200.00} with in the next month. I have paid to {$950.00} them since XXXX and could have paid off the rest to avoid interest
Consumer complaint received 2023-06-26
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. (GA)

the XXXX credit bureaus ( Transunion, XXXX, XXXX ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 XXXX XXXX XXXX CASES AND NUMBERS  ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-06-26
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. (FL)

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 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. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.