davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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)

On XX/XX/23 I had wrote my complaint against the company ( XXXX XXXX XXXX ) for wrongful /illegal repossession when in fact I was not defaulted on my payment on the vehicle and as well to get the Tradeline removed from my credit since they did reply back on XX/XX/23 that they did collect the vehicle and were going to keep the vehicle and relayed that XXXX would cancel my open account and as of XX/XX/23 the tradeline would be removed from my credit report expeditiously, .. well here I am once again making a second complaint because of the false information XXXX has one again lied and relayed to me, by which my next stance is to go forward with my full legal civil suit because I havent given them time to correct their horrible unprofessional mistakes and vindictive practices. Im making a record of this second complaint due to have on record I have obliged myself to try to get a right solution from this company but if the tradeline isnt going to be removed as it was stated to me in the reply from XXXX then Im left with no choice to pursue full legal action against them!!!!
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I was under XXXX XXXX and my condo went into foreclosure in XXXX ( index XXXX ) I have made several attempts to modify my loan with XXXX XXXX XXXX In XXXX, I was approved for a modification ( HAMP ) federal government modification program. I qualified for this program and made all payments on time for a final mod. XXXX XXXX received over a year worth of payments for the HAMP modification and then denied it. All the payments made disappeared from my account and XXXX XXXX tells me that they cant find the payments or information regarding the HAMP Modification. I have copies of the acceptance letter, checks and statements that show my payments. XXXX XXXX continues to take all the equity my apartment may have by adding excessive fees and trying to still foreclose on my property. They have violated the law and are discriminating against me with their abusive practices. I made every attempt to keep my property from foreclosing but XXXX XXXX refuses to approve an affordable modification.
Consumer complaint received 2024-05-21
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-02-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (MO)

XX/XX/2023 I attempted to withdraw my funds from my CashApp card and they made me verify my identity and after having done so they closed my account and kept my funds of {$41.00}. I have contact them several times and they still have not gotten back to me. 

CashApp Tag : XXXX XXXXXXXX I've had several accounts that they've closed without reason.
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (GA)

XXXX XXXX is constantly trying to collect on a debt of which the amount and or debt is incorrect I made numerous attempts to contact XXXX XXXX and I was met with a lawsuit despite my numerous attempts to recover founded informed so I may check and despite any inaccuracies. XXXX XXXX  refuses to furnish ne with a copy of said information and I fear that this default will result in garnishment of wages. 
I recieved three accounts from XXXX XXXX XXXX on XXXX Aspire XXXX Aspire XXXX These amounts are incorrect and need to be corrected
Consumer complaint received 2024-05-21
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. (CA)

ive disputed this numerous times that this is a fraudulent account with XXXX XXXX  and previously Sent a fraud report per the law fcra section 605b this account should be deleted within 4 days and that time has surpassed I'm asking the credit beaurus remove XXXX XXXX  credit card immediately.
Consumer complaint received 2024-04-26
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)

please delete the following accounts and inquiries Account Name : XXXX XXXX XXXX Account Number : Date Opened : XXXX. XXXX, XXXX Balance : {$710.00} Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$1400.00} Account Name : XXXX Account Number : Date Opened : XXXX. XXXX, XXXX Balance : {$710.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX MB XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  OF XXXX XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX XXXX Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute and request the immediate removal of an account from my credit report that is reporting inaccurately. The account in question is with XXXX XXXX. The account has my incorrect name on their records, indicating that they have merged my information with someone else 's. Upon reviewing my credit report, I discovered that XXXX XXXX has reported an account that does not belong to me. This is a case of mistaken identity, as the account is associated with someone else who shares a similar name. This error has resulted in the inaccurate reporting of information on my credit report, which is damaging my credit standing. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Consumer complaint received 2024-06-11
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: EQUIFAX, INC. (GA)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-04-26
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. (CA)

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. Upon reviewing my credit report, I have identified several accounts that are not valid and are the result of fraudulent activity. I am not liable for these accounts and insist that they be removed from my credit report immediately. I have already filed a report with the Federal Trade Commission ( FTC ) regarding these fraudulent accounts and have included a copy of the report for your reference. These fraudulent accounts reported on my credit report are damaging my credit score and financial reputation. 

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 2024-05-21
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. (TX)

I am writing to follow up and to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. Please help me conduct a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. I would like you to assist me also about this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. Please consider the significance of this issue and its impact on my financial well-being. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. Please help me correct the followng accounts immediately XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}.
Consumer complaint received 2024-02-07
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

Dear Barclays Presidents Office Team, On XX/XX/XXXX XXXX filed a fraud claim on XXXX {$100.00} for CCbill that I did not make. On XX/XX/XXXX I received a letter from fraud department stating that I had extensive history with merchant. I then called back and reopened the claim due to the fact that these transactions were not done by me or anybody I know. I also did not have a pattern of spending multiple {$100.00} in one day. I also reached out to merchant about the situation. The agent I spoke to reopened the claim and gave me the claim number XXXX. I also faxed supporting documentation to the fax number provided XXXX the same day. Today I called to get an update on the claim and was told by agent XXXX XXXX who also referred to me as a miss and told me that I had a womans voice ) that my claim was sent to billing disputes. He then gave me a different number to call. When I called billing disputes the lady who also referred to me as miss stated that the claim is still open and that they did not receive any documentation from me. I let her know that it was faxed 3 weeks ago. She told me to call fraud department. I let her know that I would be filing a complaint. 
Two things that need to be addressed : 1 ) Agents in the XXXX do clearly have gender identity issue, all of them were referring to me as a female, instead of just calling me by name 2 ) Fraud case that is actually fraud, ended up in billing disputes, while I already explained that I had nothing to do with those multiple {$100.00} transactions. It should not be part of the billing disputes. 
I see some of the transactions were refunded by the merchant but not all of them that were claimed as fraud. I believe they refunded {$500.00} out {$800.00} claim Please assist me with resolving this matter that has been worked on since XX/XX/XXXX but also address the agents. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-21
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. (MD)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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 2024-05-21
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect 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
Consumer complaint received 2024-05-21
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. (CA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect balance, incorrect date of last payment, incorrect date of last active, incorrect date of last reported, incorrect date opened. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-05-21
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. (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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : CAPITAL XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-04-26
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and removed from my credit file. 
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