davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
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. (PA)

On XX/XX/XXXX, I had a collection account removed by XXXX XXXX XXXX. On XX/XX/XXXX, I went back to check my credit report and the collection account had reappeared. According to 15 USC 1681i ( B ) ( iii ) ( 2 ), I should have been provided " the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ''. I never received any of this upon request Also, on XX/XX/XXXX, I had a collection account removed from XXXX XXXX XXXX. On XX/XX/XXXX, it reappeared without any notice or statements from Transunion regarding the reinsertion. This has caused significant damage to myself and my families financial stability.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XX/XX/2023
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MIDFIRST BANK (TX)

To Whom It May Concern : Loan # XXXX for XXXX XXXX XXXX XXXX XXXX TX XXXX under the names XXXX XXXX and XXXX XXXX is being reported late to the credit report. This is in the process of getting mortgage assistance due the corona virus because of financial hardship and loss of income. We were told it would not be reported late until after the process was completed. However, there have been 2 late payments reported to XXXX credit agency. I am requesting this be taken off ASAP as you have done this in the past. This is the 3rd time you have done this and this lowers our credit score. There should be NO LATE PAYMENTS REPORTED while the application is in process. If you need to contact me please contact me at XXXX. Please remove this ASAP. You reported this as late on XX/XX/2023 on XXXX. The late payment information is below : Credit Alert Delinquent Account Reported By MIDLAND MORTGAGE - A DIV Reported On XX/XX/2023 The loan is under a mortgage modification program due to corona virus and should not be reported late at all and no negative information should be put on the credit report because of this. This is the 4th time Midland has reported this late!!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (PA)

There are two uplift accounts on my credit report that were sent to collections with XXXX XXXX. Both accounts have been paid and settled with a less amount and the incorrect information is showing on my credit report lowering my score saying I still owe a balance when I do not. There was an agreement with true accord to pay a lower amount showing that the balance would be resolved.
Consumer complaint received 2024-08-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX XXXX. and NATIONAL CREDIT SYSTEMS Have falsely claimed and reported to my credit report that I owe them {$6200.00}. They claim this account was opened in XXXX. They state that I was evicted. I asked for a copy of the lease agreement, money order for the deposit with and original application and copy of my drivers license they have on file, a copy of the eviction notice from the court, etc, they could not provide it. They have only sent me a fake copy of a lease with a fradulant signature. I have sent the copies of my drivers licenses, tax returns, W2s, etc showing that I have lived and worked in Texas since XXXX and have never moved back to XXXX. I've disputed with each company multiple times with NATIONAL CREDIT SYSTEMS and they claim that they don't have to talk to me. They claim they work for XXXX. I've attempted to contact XXXX for over 2 years and haven't heard anything from them. I've disputed with National CREDIT SYSTEMS over 2 years and still have not received ant solutions. All they keep claiming is that the amount owed is valid. They keep sending the fraudulent lease with the fake signature even though my XXXX Texas license and current license has another signature consistent with their signature being a fraud. They need to remove this negative account immediately!
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-14
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. (FL)

I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (IL)

I had a mortgage through PNC Bank on a home I purchased in XXXX and sold on XX/XX/XXXX. At closing the real estate taxes for XXXX and through XX/XX/XXXX were deducted from my proceeds and payed by the title company. After numerous phone calls to PNC Bank, I was advised they had mailed an escrow refund check to the address I had just sold. PNC customer service said they would be canceling that check and sending me another check to my current address. On or about XX/XX/XXXX I received an escrow refund check from PNC Bank in the amount of {$1900.00}. On or about XX/XX/XXXX I received a second check from PNC Bank for {$1900.00}. I also received an escrow account activity statement from PNC Bank showing at the time of closing my account, the balance was {$3900.00}. The activity sheet also showed the last XXXX actions in the account to be XXXX separate refund checks in the amount of {$1900.00} each as well as a final PMI payment of {$37.00} which took the account balance to {$0.00}. I deposited both checks I received into my PNC Bank checking account and was advised by PNC Bank that they had stopped payment on one of the checks because it was a duplicate. I contacted PNC Bank mortgage customer service numerous times and they were unable or unwilling to explain to me how an account with a balance of {$3900.00} can be zeroed out with a check for {$1900.00} and a {$37.00} PMI payment. I will be attaching a copy of the escrow account activity provided by PNC Bank as well as a copy of the XXXX checks and XXXX stop payment issued by PNC Bank.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

On XX/XX/year> my bank accounts were compromised, resulting in {$800.00} in unauthorized charges while I was away on vacation and my phone left at home. I filed a dispute and changed my atm card, only to be denied stating no errors were found. Conveniently, this was denied 2 days before i was due to recieve my credit to my account. I reopened the claim Then, on XX/XX/year> the same thing happened, this time amounting to {$410.00}. I once again contacted Chime bank to advise them, closed another atm card and this time blocked the merchant, provided a written statement and a police report. I was assured I would receive my credit in 10 business days and that all of my documents were received. Yesterday, XX/XX/XXXX I was advised that my claim for the {$410.00} was denied because the never received my police report. I uploaded it once again. Then, today, I was notified that my other dispute for the {$800.00} was also denied, once again 2 days before my credit is due. I have made several calls to the bank, to the merchant with no resolve. I am not in danger of having my utilities disconnected because the bank will not return money that was fraudulently taken from my account. This has been am ongoing issue since XXXX and is completely unacceptable
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX  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 2 out of 3 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. these are the accounts :
Consumer complaint received 2024-08-11
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. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-14
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)

PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-05-14
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 have told XXXX the law says it is illegal to report transaction history. I have relayed that information to the Credit Reporting Agencies as well. Per the CFR, Fair Credit Reporting Act and the Privacy Act of 1974
Consumer complaint received 2023-09-15
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. (GA)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00}
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've consistently ensured timely payments on this account, never letting them become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-05-14
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-14
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. (FL)

I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting!

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you.

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. Please investigate and take a look at these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MD)

Cash app stated I have pending transactions and on my end theres nothing pending XXXX trying to close the account and they wont allow it They have also given me a history sheet for the merchant XXXX  which resulted in multiple transactions of the same amount as voids and charges As I checked my financial statement none of these transactions existed on the statement But when I inquired as to why my money was gone they sent a history sheet for XXXX  transactions. This is fraud to my knowledge I was charged twice and they are claiming that I wasnt when I clearly was. 

Im trying to close the account but they wont allow it
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (NV)

No. XXXX. The matter is reported to the authorities. United States Department of Education, get these perjurious panhandling frauds out of my inboxes. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2024-06-27
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

In Accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy, 15 USC 1681 section 6 o 4 A section 2 also states a consumer without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 


XX/XX/year> and XX/XX/year> the company is SelfLender
Consumer complaint received 2024-05-14
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)

This company, Transunion, has NOT addressed any of my issues that are very relevant in this process. I have provided all necessary documentation to dispute the wrongful information on my consumer report. This has been continuous willful violation of the Fair Credit Reporting Act regarding Transunion 's refusal to delete all the UNVERIFIED account information from my consumer file. I am disputing unauthorized and unverified accounts on my credit report in line with 15 U.S. Code 1681i, invoking FCRA protections. Despite submitting documentation from the police report # XXXX, FTC report # XXXX, and CFPB report, the credit bureau 's lack of transparency and refusal to disclose the identity of the verifier, violating 1681i ( a ) ( 1 ) ( A ), demand immediate attention. I demand the following accounts be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand that this is a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all the UNVERIFIED account information from my consumer file. Furthermore, I have sent a letter certified with tracking number # XXXX to ensure its secure delivery.