davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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. (TX)

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-22
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. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
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 XXXXXXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I am not liable for this debt with charter communications, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This is not a duplicate complaint this is a new complaint about a second account fraudulent reported by The same company.
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (ME)

Beginning XX/XX/XXXX we reached out to CMG mortgage as it was discovered that they did not pay our taxes. On this day after speaking with a representative we discovered that they had been charging us double the amount for our property taxes and also did not pay the town office. The payment of the taxes is now resolved. However, CMG is still charging us {$3100.00} bi-annually instead of annually. Therefore, our bi-annual amount should only be {$1500.00}. I have attached a screen shot showing that the tax amount of {$3000.00} is still scheduled for XX/XX/XXXX despite our attempts at correcting the amount. On XX/XX/XXXX CMG responded stating they would review our complaint and update the account by XX/XX/XXXX. There was no update until XX/XX/XXXX. I logged into my account to find a letter stating an escrow analysis had been completed and we now had an escrow shortage because the tax amount had still not been updated and our mortgage increased another {$130.00} per month. I called that day because the analysis should have reflected a lower tax amount and thus a lower monthly payment not a higher monthly payment. The representative said another analysis is scheduled and will " be resolved a couple of days ''. We have since called and spoken with numerous customer service representative who tell us each time the problem has been submitted and promised it will be resolved in " a couple of days. '' We have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time we are not able to talk with anyone who can help. I was told XX/XX/XXXX that our account shows our correct mortgage to be approximately {$2400.00} but right now our current payment is {$2900.00} therefore, our mortgage company is over charging us by approximately {$500.00} a month.
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

I mailed a {$33000.00} business Check from XXXX XXXX XXXX made out to XXXX XXXX. They did not receive the check, lost in the mail, or stolen? This check was cashed on XX/XX/2022 by M & T bank. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX NY XXXX The forged check was cashed with No account number, the name XXXX was misspelled, the signature is not legible. 
XXXX filed a claim in my behalf, nothing has happened in 9 months, according to M & T it's Pending. I tried to contact M & T myself, they did not return emails or calls. M & T has all the infomation from XXXX, this was sent twice.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Hello, I've suffered from identify fraud resulting in me having to lock my credit in the past. Upon looking over my credit profile, I do not believe this debt is mine or that I am liable and it is causing me hardship. I have asked creditor multiple times to please provide the original purchase agreement so I can validate debt, I have disputed multiple times with credit agencies, and recently with the XXXX, and they still did not provide any proof I owe this debt. 

After reporting to XXXX, they change all the collections status as closed on XXXX only, and never provided any other information. 


Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt XXXX XXXX XXXX account. {$630.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Closed Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info
Consumer complaint received 2024-01-16
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. (NM)

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.

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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX of XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2019-08-09
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. (PR)

In my last request to EXPERIAN to verify the two accounts listed on my credit report XXXX and XXXX XXXX they came back with the report # XXXX, in that report indicate that the information have obtained through a third party XXXX XXXX XXXX XXXX .I contacted XXXX and they effectively removed the two accounts from my records ( see attached letter ).  The information that Experian is reporting in my credit reports about XXXX and XXXX is inaccurate! That false information is affecting my credit report.
Consumer complaint received 2024-01-15
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. (IL)

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from Transunion credit report immediately. Please remove the following : - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Thank you XXXX
Consumer complaint received 2024-07-22
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. (NC)

Portfolio recovery requested for All three credit credit bureaus to remove XXXX account and XXXX from my credit report on XX/XX/XXXX. Experian FURNISHER did not remove from my credit report. Today ( XX/XX/XXXX ) I call XXXX XXXX associate sent a request for Experian to remove Comenity/Venus and XXXX from credit my report for the second time.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TN)

I have attached my affidavit which describes that fraud amount, the way the fraud occurred and follow up conversations with Chase Bank Fraud and Customer Service personnel. It also details the transactions, the phone calls on those days referred to in the affidavit and responses from Chase Bank.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi d.o.b XX/XX/XXXX was awarded {$370000.00} by settlement and montary aberrations for a auto accident that occurred XX/XX/XXXX at XXXX in the county of XXXX in the city of XXXX and the late XXXX XXXX XXXX was my attorney and my money was in the Clint trust of the law office of XXXX XXXX XXXX and the appointed receiver XXXX XXXX XXXX of XXXX Detroit after I came fourth in a timely manner and claimed my trust that was remaining gave me only small amounts a few times after giving me a hard time and I had to go back and fourth numerous times has denied me all of my untitled remaining sum the bank was chase and XXXX  branch was of or XXXX XXXX XXXX Michigan he still to this point in time is denying me my money and I have informed all of XXXX as well I have many witnesses who I brought with me in person to my defense please contact me at your up most earliest of a convenient availability thanks you for your timer With desperation XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

I have reached out to this company in regard to the original contract for the student loan. I reached out on XXXX XXXX, XXXX XXXX and XX/XX/year>. I sent letters to the CRA 's disputing due to student loan reporting without permissible purposes under FCRA. I have not given this company written instructions to report this account which is a violation of 15 USC 1681b which says that their needs to either be a court order or written instruction by the consumer in which it relates. Although I may have given consent to a previous lender or servicer this does not extend to any and everyone who comes to have knowledge of this account. You do not have permission to continue to use my information and I request you cease and desist furnishing it to anyone for any reason. I refuse to allow this to continue. As a consumer I have a right to privacy and congress stated in 15 usc 1681a ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with respect the consumer 's right to privacy. As a furnisher you are violating my rights as a consumer. So, moving forward again you do NOT have the permissible purpose nor my consent to furnish the following accounts on my consumer report. Any further reporting will be willful non-compliance of the law. I request that you conduct a thorough investigation into this matter and remove the aforementioned accounts from my credit report. Please be advised that the investigation that you conduct must comply with the FCRA definition of investigation and include the name, address and phone numbers of everyone that you communicate with. I have also sent communications directly to each servicer. Any further sharing of my information will be considered identity theft.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, 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. (PR)

The loan was paid off by the unemployment Insurance that the loan carried and it does currently show as paid 100 % the the account went into my default on XXXX then the company re reported on XX/XX/XXXX witch is not the correct information and should be removed by the FCRA this information needs to be removed. In XXXX the last payment was recorded as XX/XX/XXXX and in Transunion last payment was recorded on XX/XX/XXXX this show that the XXXX XXXX it's failing to report accurate information to my credit files this is a violation of the FCRA and this item must be permanently removed from my files by law or otherwise will suit the company for reporting inaccurate information on my credit files.
Consumer complaint received 2024-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I looked at my report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts : XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All companies violation of many laws with the account, Charged off/ written off accounts can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! Experian is in violation of FCRA 15 USC Code 1681e B. As well as 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FUR-NISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION.
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. 
I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. 
I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report.
Consumer complaint received 2024-01-16
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts 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 XXXXXXXX, are not complete and accurate . 

And one more thing according to 15 USC 1681s-2 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.