davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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)

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. 

XXXX : XXXX, XXXXXXXX XXXX  XXXX : XXXX, 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 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 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.
Consumer complaint received 2023-05-12
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. (PA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

Hi I have a collection for Convergent Collection # XXXX for {$2300.00} I live in Florida and they are not license here I don't recognize the bill they are trying to collect so I did a dispute on XX/XX/23. 
Convergent sent me got a copy of a bill from XXXX. 
I sent them this letter on XX/XX/23 ( without any response ) " The bill you provided does not match my name, my name is XXXX XXXX XXXX. 
The bill you provided is not proof that you ( Convergent ) owe this debt and therefore no evidence that you have any rights to collect this debt. 
Youre not license in Florida to collect a debt. 
Your letter does not have a statement indicating that the consumer ( me ) has the right to dispute the debt within 30 days. 
You have not provided with information on how to dispute the debt. 
You have not provided any supporting documentation, such as a copy of the original contract. ''
Consumer complaint received 2024-10-04
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. (PA)

I am writing to express serious concerns regarding several issues with my credit report. Upon review, I discovered multiple inaccuracies, such as incorrect account listings, inconsistent billing details, and accounts that do not belong to me. These discrepancies pose a significant threat to my financial stability, and I urgently seek your assistance in resolving them.
Consumer complaint received 2017-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Hi I got a mail from CCS, MA -a Collection Agency for $ XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX , MA XXXX.It was for XXXX XXXX.I never had XXXX service under my name.Hence called the agency and explained about the wrong tagging.They accepted that it is wrong tagging as the SSN differs.Informed that they will remove.But they have reported to credit unions and I am now seeing my credit score down for about 59 points.I am about to get a Mortgage loan for my house and I have been denied because of this issue which I am no way related. I seriously wanted some solution from the CCS immediately and they need to answer the missed opportunity of mine. 
I am really stressed as I maintained a high score of XXXX and just this misrepresentation has put me in a deep trouble. 
-XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (FL)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-11
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. (PA)

This letter serves as my final demand for the immediate deletion of inaccurate and invalid negative items from my credit report. Despite previous disputes, these items remain inaccurately reported, causing significant harm to my credit profile. I insist that these items be corrected and removed immediately to prevent further damage.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-09-15
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: JPMORGAN CHASE & CO. (NY)

My chase credit card had 3 charges show up that were not mine. They were all places I dont go to - liquor store, fish market, and a gas station Ive never been to. The fish market was refunded but they are refusing to refund the gas and liquor charges which equal over {$110.00}. They claim I received a benefit from those charges.
Consumer complaint received 2023-05-12
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

I have an account with CoinBase through which I own one bitcoin. I purchased the bitcoin several years ago for {$370.00}. I have kept the bitcoin in my vault ever since. 

I 've been trying for several months now to move my bitcoin from my vault to my wallet so I might be able to sell it. To move bitcoin from your vault to your wallet you must verify the transfer from two separate email addresses. The transfer verification is n't working for my second email address. I have emailed the support team about this several times - on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. 

I have received one response that was essentially useless and the Company appears to have done nothing to resolve my issue so that I might liquidate my bitcoin. If I were able to sell my bitcoin today ( XX/XX/XXXX ) I would sell XXXX of it.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

update my information XXXX XXXX XXXX case XXXX account number ending XXXX and XXXX XXXX XXXX loan number ; XXXX note amount XXXX deed of trust transfer to XXXX XXXX XXXX I also contacted records and they didn't help
Consumer complaint received 2023-05-12
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I had been very ill and my boyfriend had been sick with XXXX twice. I was a month or so behind on my mortgage. I called my servicer Select Portfolio Servicing and they were very easy and helpful. They quickly offered a 6 month forbearance. This was in XX/XX/XXXX. I thankfully accepted and went about the business of trying to get our lives back together. My next payment was due XX/XX/XXXX. I called to make sure all I needed to do was send it in. I was greeted by a customer service representative that let me know the full amount of my 6 months forbearance was now due. Needless to say, I was shocked. 
I was expecting some kind of modification to add it back into the mortgage. It basically defeats the purpose to suddenly want it from me. I was told to file a XXXX and they would decide how I was going to pay it. So then began the documents request. Over and over. I sent them, their system acknowledged receipt but yet I get another missing documents letter. THEN I start getting letters that let me know that in the background of all this they are getting everything really to file for foreclosure and there wont be anything I can do about it if my documents arent in. Sounds like XXXX!! Amazingly, they also keep sending me letters tell me my house was discharged when I filed bankruptcy in XXXXAGAIN - I sent them the documentation that I had reaffirmed the mortgage at the time of bankruptcy. Somehow they cant process this information either. I feel Im not getting good customer service because they think I have no legal responsibility for the mortgage. Its much easier to take the house and sell it to someone with a legal interest. The problem with that is that I bought that unfinished lot on a mountain in XXXX. I put my home on it and raised my children there. Now because I was stupid enough to believe the mortgage servicer was actually helping me, Im losing my home of 35 years. Im XXXX, on a fixed income and have no where to go. How can these people just jump into my life like this?
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (GA)

Upgrade card has decreased my credit limit with out any reason i am current on on all my outstanding credit cards and loans. This is a serious violation of the fair credit reporting act due to intentionally decreasing my credit limit and damaging my credit. 
This is an illegal act also violation of the U.S.C 15 sec 1666b.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-11
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. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX 
XXXX XXXX Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in XXXX XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Consumer complaint received 2023-05-11
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. (CA)

I have been dealing with Experian for some time now. Still to no avail, they have not helped me. In 2018 my wallet was stolen. My credit cards were destroyed. I filed disputes with chase but they were unsuccessful in helping me restore my funds. There is an account on my credit profile, that has inaccurate information reporting. XXXX - XXXX. The date the account was opened is incorrect. The date of last activity is inaccurate. The high balance is also inaccurate. The creditor keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute.
Consumer complaint received 2023-05-12
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. (TX)

Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-09-14
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: SYNCHRONY FINANCIAL (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX SYNCHRONY BANK Account Number : XXXX This is not mine.
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (MO)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (AZ)

XXXX XXXX XXXX XXXX I CALLED XXXX FRAUD VICTIM ASSISTANCE DEPARTMENT AND SPOKE WITH " XXXX XXXX ''. SUPPOSEDLY A SUPERVISOR. HE WAS VERY RUDE FOR STARTERS, HE ALSO REFUSED TO FILE A NEW DISPUTE FOR ME, BECAUSE THE COMPANIES HAVE FAILED TO RESPOND FROM XX/XX/XXXX. AFTER I EXPLAINED TO HIM I'M UNAWARE OF CERTAIN ITEMS ON MY CREDIT REPORT, AND THAT'S ENTIRELY TO LONG TO STILL BE WAITING ON A RESPONSE BY LAW. I THOUGHT I COULD FILE A DISPUTE IF I'M UNAWARE OR DON'T RECOGNIZE SOMETHING ON MY CREDIT REPORT. XXXX TREATS CONSUMERS TERRIBLE.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SD)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts upon request. This debt collection account has not been properly verified, which is a clear violation of these federal laws. The recent court case ** '' XXXX XXXX XXXXXXXX, XXXX, '' XXXX XXXX XXXX ( XXXX XXXX XXXX ) ** reaffirms that credit bureaus must conduct a thorough and reasonable investigation into disputes to ensure that reported information is accurate. I demand that you conduct a proper investigation, remove this unverified debt from my credit report, and provide written confirmation of the correction. If you fail to take this matter seriously, I will consider pursuing legal action to enforce my rights under the FCRA and FDCPA. Thank you for your immediate attention to this dispute.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX