davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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)

PLEASE BLOCKED AND REMOVED I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-14
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. (HI)

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  Account Number : XXXX  Account Name : 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 2024-04-26
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. (TX)

I am writing to formally dispute and request the immediate removal of several inaccurately reported accounts from my credit report, Experian, XXXX and XXXX has failed to do a proper reinvestigation. Despite my previous attempts to rectify these errors, they persist, which is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Report Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Report Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Report Number : XXXX I am formally requesting the deletion of these accounts from my credit report due to violations of the following statutes : 15 USC 1681 ( 5 ) 15 USC 1681 ( 7 ) 15 USC 1681e ( b ) 15 USC 1681s-2 These inaccuracies not only misrepresent my credit history but also have the potential to adversely affect my financial standing and opportunities. Therefore, I urge you to take immediate action to rectify these errors and ensure the accuracy of my credit report. 

I expect a thorough reinvestigation of the disputed accounts and a prompt response detailing the steps taken to address my concerns. Additionally, I request documentation of the reinvestigation process for my records. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccurately reported accounts from my credit report.
Consumer complaint received 2023-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I started investigating my mortgage in XXXX, by XX/XX/XXXX I suspected that this was a fraudulent transaction and started by sending refuse for cause without dishonor their requests for payment and inquiring about the details of this particular transaction. I was met with my questions being avoided and lack of meaningful response every time. It didn't appear that GAAP accounting was adhered to, and I suspected the accounting to be falsified. I later discovered that my Note funded the transaction and I wasn't given full disclosure. After trying to get answers that were never answered, I was met with a lawsuit from the opposing party 's debt collection attorneys at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who I believe is guilty of identity theft by using my private data and placing on the public record for unjust enrichment without having standing to do so and who had Never after multiple requests proved their authority to do what they've done. I submitted a complaint to the CFPB back in XXXX and I didn't receive a valid response to my complaint. All the company did was avoid my complaint and say they referred me to their attorneys back in XXXX of XXXX and they followed up my mailing copies of the Deed of Trust and basic mortgage documents that they always send to avoid direct questions. That response is unacceptable. I was never given full disclosure, I do not believe that I ever received a " loan '' and it is obvious by their silence they have much to hide. Colorado Housing and Finance Authority was given notice by way of Notary presentment of their default and dishonor and opportunity to cure and they were send an affidavit of truth, opportunity to respond and a self executing contract that they agreed to if they refused to respond once again.. That Notice was sent out by registered and certified mail to the master servicer and their sub servicer. All have continued to acquiesce, therefore they have be default agreed to the attached self executing contract. They have not given me response to the notice of rescission, not have they returned my property as commanded by law. They continue to leave my home on the foreclosure sale list and have not returned any of my property as requested and as obligated by law.
Consumer complaint received 2024-07-08
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and XXXX XXXX I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One has refused to delete this fraudulent account from my credit report. They are in breach of contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2024-07-08
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and XXXX XXXX. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (GA)

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : 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 Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was closing on a house last week and my real estate agent calls to let me know how much to send in a wire transfer to the bank. I ask him for the wire instructions and he tells me to check my email for XXXX XXXX, she will provide the instructions. I check my email and follow the instructions from XXXX XXXX the paralegal handing the closing. I sent {$72000.00} via wire transfer from my bank XXXX XXXX to JP Morgan chase bank. I found out later on this was a scam, the email wasnt from the real XXXX XXXX, unfortunately the real XXXX XXXX never sent me wire instructions. I called my bank XXXX immediately to report the wire fraud and was told they issued a swift recall, however I received a message from XXXX shortly after confirming the wire was sent. Funds had been disbursed. I filed police report and fbi report. No one is really investigating as far as I know. I call my bank everyday multiple times a day. The latest news is a hold harmless letter was sent and Chase responded by stating they issued the payee a request to hold funds? What? Why? If its fraudulent dont they freeze the funds and run an investigation? I lost everything including the house and my hard earned money as a XXXX  mom struggling to survive as it is.. this is devastating and I cant seem to find any help from the banking institutions on where the money is or what I can do to track it or stop it from leaving the US. Chase fraud department refuses to have any contact with me. I dont understand the process, do I need to get a lawyer to file an injunction on the bank to freeze the funds? Thank you for your help.
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (AZ)

My name is XXXX XXXX, I am XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX, phone number XXXX. My email add : XXXX. First and formost I am a veteran and don't appreciate being treated as I have since moving into this complex. I have been waiting on my deposit from XXXX on XXXX for months instead they sent me to collections, saying I owe them {$1200.00}. that company IQ International are not able to tell me what I owe this {$1200.00}. for I have copies of my check back and front showing I have paid the rent, I have copies of receipts for professional cleaning of the apartment, copies of receipts from their office showing I returned all the keys into them. I have copies of the third party they use XXXX showing what I owed for the month of XXXX when I asked them why is the bill from XXXX still the same although no one lived in the XXXX XXXX the month of XXXX or XXXX they couldn't tell me even though I moved out the end of XXXX XXXX I still paid the funds required for XXXX, XXXX and XXXX. I am attaching copies of all my receipts. I am also writing to the XXXX and their XXXX XXXX XXXXXXXX and Consumer Protection Agency. Prior to my moving out in XX/XX/year> the refrigerator went bad in the apartment, instead of replacing it they tried fixing it so my food went bad, their maintenance man was there and was able to attest to it. They said I would need to give them receipts for the food that went back, who keeps food receipts after two weeks so of course they never paid me for that. If anything they owe me {$1200.00} plus interest. Once going into the office there at the complex they showed me their bill which was incorrect, showing I owed money for the Month of XXXX in which I have checks proving they received their monies and more than they should have. At this point they can keep my deposit of XXXX I don't want any further interaction with them once this has been cleared up. I am sent a monthly XXXX  statement each month letting me know what is due to be paid by the first of each month and that I what I use to paid them before the first of each month. I have always paid a month in advance for the rent which was always more that what the statement required. The Headquarters is XXXXXXXX XXXX XXXX  they doing business under XXXX XXXX XXXX location XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, AZ XXXX I can also produce all the cancelled checks from XXXX and XXXX showing they had been paid for all utilities and rent. 



I have sent emails of my concerns and still have not heard back from their office. I would like to have my deposit since I have meet the requirements to receive my deposit back. This was one of the last emails I sent to them. 
I will continue to write and complaint to other organizations about how this company does not honor what's in the contract. I will also continue to send out negative reviews on your company.
Consumer complaint received 2023-09-21
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. (PA)

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 2023-09-21
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. (NC)

Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent inquiries on my Trans Union credit report THERE ARE FOUR XXXX  XXXX INQUIRIES And ONE XXXX XXXX XXXX XXXX inquiry DATED FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX  15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, XXXX U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-12
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. (NV)

I have disputed multiple times on the items listed below with the bureaus. Despite this, they persist on my credit report. Kindly request an investigation into these matters and ensure their removal from my credit report. 

Experian : This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information : 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  The following inquiries are not authorized, please remove from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is not mine : XXXX XXXX XXXX XXXX XXXX - Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information : Incorrect Name - 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  The following inquiries are not authorized, please remove from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I applied for a business credit card based on a pre approval offer and a fraud alert which was placed on my credit by myself triggered a freeze to all my personal cards that have been open for over a year and been in use. My account was verified and still the freeze was not removed, instead they requested for me to send bank statements which was sent and now they are requesting business account statements which has nothing to do with my personal accountshowever they refuse to unfreeze my account even though I gave them all the information they requested. I then asked for them to send me more information in writing as to the reason for all the inconvenience being caused by them and they told me that they do not know what to send in writing as they have a right to do whatever they want with my account whenever they want to.