davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

I've attempted to change banks for autopay. First in XXXX I added the new bank information and selected the new bank as primary. RoundPoint Mortgage pulled the money for the secondary in XXXX. In XXXX I deleted the old bank account information and Roundpoint pull the mortgage autopay from the bank whose informtion I deleted from my account profile. There is no information on how to change autopay so I thought I stop autopay and send a check from my new bank for a while so that I can close the bank account. There is no option to uncheck autopay in account profile. I've to call many times in the last three months and have tried evey option and there is no ability to talk to anyone. The XXXX calls were XXXX and XX/XX/ Everything is prerecorded. There is false advertising on customer service for assistance. There is no assistance. No FAQ on the topic. I've emailed the company 2 times with no response.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (FL)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

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 2018-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

We are getting as many as 13 robot calls per day from XXXX ( XXXX ) about the statuss of XXXX XXXX XXXX account. No XXXX lives at the residence associated with the phone number and we have no XXXX XXXX account. We have responded to the robo- call indicating they have a wrong number. The calls continue. This practice is wrongful. We have no business relationship with this company.
Consumer complaint received 2024-01-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

The issue with the payment over Synchrony ( TJMaxx ) and PayPal continues, since I could not get any email answer over my missed transaction. I am not sure whether the transaction was cancelled or not, since I found out the charges of same amount on the same day, which was XX/XX/XXXX. And I found out that second 'authorized ' transaction after I had the chat conversation. I want to know whether this chat representative added this charge {$58.00} while we had the chat conversation, since she could check the transaction history, and stating these two transactions would be void. Can you imagine this frustration, irritation, and anger, since it just started to know whether the transaction of original order ( XXXX order # XXXX ) was cancelled without consent of mine? Where is the human right of consent over credit card/online payment system in the United States ? Especially, I ordered this multi-box XXXX XXXX XXXX XXXX to make sure enough ink to finish the paper works to proper file to the District Court in XXXX, NJ. This document of file was sent from the Clerk, and I finished it with difficulty since I did not know what it was. Therefore, I must have the right to ask the repayment of all costs including the postage, paper, ink, envelop, pen, tapes, clips, and other necessary shipping and filing costs, along with human cost ; that mean the hour payment to file these disgusting cases and disputes over XXXX cases less than half year of XXXX. 

I attach the added part of the letter to XXXX. XXXX XXXX. 

XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I have an issue with the charge of a credit card, which transacted through PayPal payment system. Even though I am not sure whether your company online payment system has had the serious issue or not, which caused the delay of transaction system more than XXXX hours and cancelled my transaction without consent, I included all process to file the complaint to Consumer Financial Protection Bureau to express my concern, frustration, and anger over my missed product of your company without any explanation and answer over email, which I am supposed to receive as a right of consumer. I add all starting letter below to indicate the issue with Synchrony.com.
Consumer complaint received 2023-12-27
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 168b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-01-01
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 constantly dispute this item XXXX XXXX XXXX FROM MY CREDIT REPORT AND THEY ARE JUST VERIFYING AND UPDATE THE ACCOUNT AND I DONT HAVE ANY BUSINESS WITH THE COLLECTION REPORTING. 


I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

This item is going to cause me homelessness in trying to move and I cant due to false reporting XXXX dispute XXXX Experian report XXXX XXXX
Consumer complaint received 2024-05-05
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. (MD)

I am writing to file a formal complaint against Trans Union due to a fraudulent collection account that has been incorrectly listed on my credit report. This account, listed under XXXX XXXX XXXX for account number XXXX, does not belong to me and I believe it is a result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the account continues to appear on my credit report. This error has caused significant financial hardship as it has negatively affected my credit score, resulting in denied loan applications and increased interest rates on existing credit.
Consumer complaint received 2024-05-05
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. (AR)

In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2024-05-05
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. (SC)

Found multiple hard inquiries on my credit that does not belong to me and also found multi hard inquires that were never removed after 2 years. 
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 2024-05-02
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. (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 2024-01-02
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: Experian Information Solutions Inc. (NJ)

Starting on XX/XX/2022, XXXX XXXX has done five unauthorized hard credit inquiries on me. I have contacted XXXX several times, and each time, they tell me they do not have a record of the credit inquiry, and thus, they can not help me. I then follow up with Experian, who tells me that I need to contact XXXX. 

I have frozen my credit score.

Besides that, I do not know how to stop XXXX XXXX from making these unauthorized, erroneous credit checks.
Consumer complaint received 2024-05-05
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)

I need to inform you I was the victim of identity theft. I'm disputing this account as this was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit. 

XXXX XXXX. 

Please dispute this account. That was opened without my knowledge, authority or consent. Please send me the results to my address.
Consumer complaint received 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my personal credit report and I noticed that these unauthorized inquiries had been made : XXXX XXXX XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX I contacted the above creditors, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. 

Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. 
If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. 
If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance.
Consumer complaint received 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

delete hard inquiries 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.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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.

DELETE THE ACCOUNST BELOW
Consumer complaint received 2024-05-05
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 am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violationregarding the reinsertion of previously delited material into my credit report. I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXX into my credit report without proper certification of accuracy notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from mycredit report, continuing to violate FCRA regulations.| TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Consumer complaint received 2024-05-05
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  : Account number : XXXX
Consumer complaint received 2024-01-01
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)

In XXXX of XXXX I was notified that the info was used fraudualntly to obtain credit. I promptly filed FTC AFFIDAVIT and reached to the bureaus and creditors. 

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. 

I haveI told Experian and XXXX to reinvestigate this account they have listed as verified and accurate. How can it be accurate if both bureaus have it listed with different account number, XXXX and Closed dates. 
: XXXX XXXX {$17000.00} XXXX Opened XXXX XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX {$17000.00} XXXX Opened XX/XX/XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX It is also illegal to report XXXX on my report and also as new account! 

XXXX has illegally reaged this account. 
The credit bureaus stated everything was complete and accurate. But how is that possible if the account numbers are different, open date, date of last activity and much more is incorrect. 

The following inquiries are also not authorized were not given permission and I demand these to be 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 XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ), credit reporting agencies are supposed to modify accounts that aren't reporting correctly.

I have attached a copy of my credit report to show proof of the blatant errors and misleading info on my report. that they have said were correct.

The credi bureaus are also not in compliance with METRO 2 laws,. 

I want the account and the inquiries removed along with inputting the correct info on crediit my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX I have been dealing with this for far too long and I will be taking legal action against XXXX and EXPERIAN for the violations of consumer my rights .I have alot of evidence to prove my case.
Consumer complaint received 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my TransUnion credit report and seen 3 inquiries that I dont recognize. 

XXXX XXXX. XX/XX/year>. 

XXXX XXXX. XX/XX/year>. 

XXXX XXXX XXXX. XX/XX/year>. 

I would like TransUnion to investigate these 3 items. 
I havent applied for these companies inquiry for it to be inquires on my report.
Consumer complaint received 2024-05-05
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 discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities.

Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines.

Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute.

Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities.

I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (CA)

I received a debit XXXX cash app card in my name to my address. I did not open a cash app account. Someone did this with my information. Someone has my social security number. I called cash app on XXXX XXXX to report this. They sent me a link to send picture of card and wanted my name. They said they would close the account. I don't know if it is closed.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-05
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. (OH)

I contacted fin wise OPP loans to report that I have an account for a loan on my report that I have no knowledge of. After discussing this account I believe someone may have fraudulently made the loan and used my info to receive it. I was instructed to contact the federal trade commission and make a report that I would be able to have a report number from to forward to the email XXXX. When I went to the site for FTC it took me here to file report. The loan in question was on XX/XX/year>. The contract number was XXXX. The Application number was XXXX. For some reason today the loan showed up on my TransUnion report as open and my credit score dropped dramatically so I took notice. I disputed it and it said it was a charge off and showed be marked closed. I was also instructed to contact email XXXX to resolve this. Thank you for your time.
Consumer complaint received 2024-05-06
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. (MA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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