davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (IN)

I contacted contract callers, I notified them that this account was identity theft. I also submitted certified letters, affidavit,, driver license, social security card, a copy of my identity theft report, a copy of notice of furnishers, a copy of 605B, asking them to please remove this account from my credit report. I have gotten no response. I have made phone calls and sent follow-up letters. last one sent XX/XX/20
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TX)

Hi my name is XXXX XXXX, I have never done business with Convergent outsourcing. Although I do have two amounts on my credit, one for XXXX ( XXXX ) and the other XXXX ( XXXX ). I do not have a signed contact with Convergent outsourcing. I have the right to demand to see the contract between Convergent outsourcing and myself.
Consumer complaint received 2020-05-12
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. (CT)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX  partial account number XXXX. Equifax is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2020-05-13
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. (CA)

I am filing this complaint against Equifax and in conjunction with existing complaint XXXX # : XXXX ) against XXXX. Now my Equifax score has dramatically dropped credit score from XXXX to XXXX within this past week. I created an account with Equifax, filed some basic information disputes and was able to finally connect with a representative. The Equifax representative could not confirm this score drop in their system and when I asked him what activity do you show in the last two weeks, he said also that their system could not provide that information.
Consumer complaint received 2019-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NV)

Square has treated me with unbelievable disregard. I've complained about unauthorized charges made to my account and my emails went unanswered. They don't even have a phone number. There are no documents. There's absolutely nothing to get help from. They're extremely unaccountable and totally Indifferent and reckless with the customer 's money. This is my last attempt to get my money back or I'll have no choice but to sue them for money owed and damages. Enough is enough!!!! 

Uploaded is picture proof of their indifference and ignorance to my grievances. No phone support, no paper statement, no communication, I hate to cancel cards constantly because I was in fear that someone has my identity or account access because I've had 1000s stolen from me and they couldn't care less.
Consumer complaint received 2021-12-19
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. (GA)

I recently reviewed a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. TransUnion is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give TransUnion written permission to furnish this account on my credit report. TransUnion is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. TransUnion has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.
Consumer complaint received 2020-05-12
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$550.00} XXXX/XXXX  XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request your assistance with the removal of inaccurate personal information on my credit report. Despite my multiple attempts to correct this issue directly with the credit reporting agencies, the incorrect data remains, and I have been unable to resolve the matter. 
The incorrect personal information listed on my credit report includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I first identified these inaccuracies on my credit report on XX/XX/XXXX Since then, I have disputed the inaccuracies with the following credit bureaus : * Transunion * XXXX * XXXX I have followed the required dispute procedures, providing supporting documentation such as my government-issued ID, & proof of address, Despite these efforts and my continued contact with the credit bureaus the incorrect information has not been updated or removed. This inaccurate personal information is causing confusion and, in some cases, may lead to potential identity fraud or errors in my credit profile. I am concerned that it may be affecting my creditworthiness, and I would like it corrected as soon as possible. 
I kindly request that the Consumer Financial Protection Bureau assist me in resolving this matter by helping facilitate the removal of these inaccuracies from my credit report. 
Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving these inaccuracies. If you need further documentation or information from me, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I recently was approved to receive unemployment benefits but i did not receive a way2go card. When i tried to go the website and register for a card it would not let me. Now i am curious on how i will get my payments.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation (VA)

I mailed a certified Cease and Desist letter to their company on XX/XX/2019 pursuant to section XXXX of the Fair Debt Collection Practices Act. However, XXXX XXXX XXXX XXXX XXXX did not honor the letter. There company continued to contact me several times.
Consumer complaint received 2020-05-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (PA)

After a number of years of loan payments to XXXX XXXX  and farmed out to Village Capital, I refinanced the loan with XXXX  XXXX XXXX. The closing was successful, however Village Capital has not refunded our escrow of {$1400.00} after 15 days. Their claim is that it could take up to 30 days to return the money! They were paid in full on XX/XX/2020. This is not fair banking ... they haven't and are not paying interest on this money. Escrow funds should be refunded promptly. They are profiting by holding on to their customer 's money with the excuse that 'it 's their procedure '.
Consumer complaint received 2020-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

My cashapp account was compromised on XXXX XXXX, in the amounts of Exact amount of the payment : {$500.00}, {$250.00}, {$550.00} & {$150.00} totaling {$1400.00}. I contacted cashapp the did an investigation concluded that the account was compromised and the dispute team would reach out to me. Never happened so I contacted cashapp support back they told me my case was closed because they didnt hear from me. Same things keeps happening. Im getting the run around on them returning my money. Ive contacted my bank theres no way for them to speak or reach cashapp so they advise I contact cashapp to have funds returned. They closed the old account that the funds came out of and instructed me to make a new one.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

I have an american express personal platinum card and an american express corporate platinum card. Both appear on my personal credit report. 

American express is not supposed to have a credit limit, but mine report a credit limit with the monthly statement. This limit is not appropriately reported to credit agencies. 

The balance on the card shows or the maximum amount in the month which adds to the numerator for credit utilization, but because the denominator is not included/reported, it falsely elevates my credit utilization. 

If there is a maximum reported on my statement that amount should be required to be reported to the credit agencies to give a fair, accurate, and complete picture of my credit utilization. If this amount changes the change can be reported the same as when any other card increases or decreases the credit limit on an active credit card account. 

Amex never reports the many months of negative balance on my cards. I know it is the amex card, because I had 3 cards. My total credit showed {$75000.00}. My XXXX card is {$25000.00} and my Master Card is  {$50000.00}. My amex shows {$25000.00}. If Amex reported the total would be {$100000.00}. That is 33 % increase in credit limit that would decrease utilization and improve my score.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing a formal complaint against TransUnion for reinserting a previously deleted account into my credit report without following the proper legal requirements. The account in question is XXXX  XXXX XXXX, which was initially removed after a dispute. However, upon reviewing my recent credit report, I noticed that this account has been reinserted without any notification or explanation. 

This action violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that credit reporting agencies notify consumers within five business days of reinserting a previously deleted item. To date, I have not received any such notification, nor any documentation supporting this reinsertion.

This failure to comply with FCRA procedures has caused inaccuracies to reappear on my credit report, negatively affecting my credit profile and causing undue stress. I kindly request that the CFPB investigate this matter and take necessary enforcement actions to ensure compliance. Additionally, I ask that the account in question be permanently removed and that I receive assurance it will not be reinserted without valid justification and proper notification in the future.
Consumer complaint received 2020-05-11
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 was disputing an account with XXXX XXXX being reported on my transunion report. I have already disputed with XXXX  and XXXX and they have remove the account. Transunion is not complying to provide investigation results to show that the account has been validated. If they are unable to provide their investigation results then I am asking that they remove this account. 

I have included a screen shot of my current report showing XXXX XXXX account removed.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (AR)

I received a couple of bills in the mail stating that I needed to make a payment for a loan. I dont owe a loan, I dont have any loans under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you.
Consumer complaint received 2020-05-11
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-05-12
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 (PA)

IN XXXX OF XXXX I NOTICED FRAUDULENT CHARGES ON MY BOA CREDIT CARD. AFTER DOING SOME RESEARCH I FOUND MULTIPLE DATES AND MULTIPLE CHARGES DATING BACK TO XX/XX/XXXX. I HAVE NOTIFIED BOA 4 TIMES TO REPORT THE FRAUD AND EACH TIME THEY HAVE DENIED THE CLAIM BECAUSE THEY SAY THERE IS A PURCHASE HISTORY. I HAVE TRIED TO EXPLAIN THAT BECAUSE THE FRAUD WAS NOT CAUGHT FOR SEVERAL MONTHS THAT IT ONLY APPEARS THAT THERE IS A PURCHASE HISTORY. I HAVE NEVER ORDERED FROM XXXX XXXX XXXX, I HAVE NO INVOICES AND NO DELIVERY CONFIRMATIONS. 
I CAN NOT GET THROUGH TO THIS COMPANY ON LINE OR VIA PHONE. BOA I AM ASSUMING HAS NEVER SPOKEN THEM EITHER. BECAUSE ALL I'VE EVER ASKED IS FOR BOA TO PRODUCE AN INVOICE OR A DELIVERY CONFIRMATION. AS A SIDE NOTE WHEN BOA DOES A WEB SEARCH THEY CONFUSE THERAPY SUPPLY HOUSE ( NOT THE FRAUD COMPANY ) WITH XXXX XXXX XXXX  ( FRAUD )
Consumer complaint received 2020-05-13
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. (AR)

I received a couple of bills in the mail stating that I needed to make a payment for a loan. I dont owe a loan, I dont have any loans under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you.
Consumer complaint received 2020-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (TX)

I've been paying a lawyer who I was sued by XXXX XXXX XXXX XXXX XXXX. Original balance was 10,000, I'm now paying the lawyer a balance of 15,000 at monthly installments. I've tried recently to find the paperwork regarding the private student loan not from the lawyer 's but from the trust itself. I need some guidance as to where I can find the paperwork.
Consumer complaint received 2020-05-12
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. (NC)

I previously sent Equifax 4 different dispute letters over the last six months asking them to provide validation and the show that I owe this debt by showing my signature on the contract that I signed with XXXX XXXX XXXX XXXX. According to section 609 of the FCRA, they are required to show a contract with my wet ink signature on it and it has to be 100 % accurate, but they keep sending copies of my signature and saying that they verified the debt when they have not. Also, I received the letter from XXXX XXXX XXXX XXXX on XX/XX/2020, stating that they were unable to locate an account with my name and account number, I also sent the copy of this response letter from XXXX XXXX XXXX XXXX to Equifax, but Equifax still says they verified that I owe this debt.