davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified two inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX. XXXX, 2024 I must emphasize that neither XXXX nor XXXX, prominent credit bureaus, have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ).

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services.

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciate
Consumer complaint received 2024-07-08
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. (PA)

The following creditors no longer own the accounts they are reporting, they have sold them. As per federal, state FCRA and FDCPA laws and terms and conditions, you must own an account to report to the repositories, ( TRANS UNION, XXXX, XXXX ). 
Therefore, you must delete these entries, to comply with the Law. 

Please remove the following account for non-compliance : 1 ) XXXX XXXX  : ACCOUNT # DOES NOT EXIST 2 ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST 3 ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST
Consumer complaint received 2024-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I am requesting for Carrington for a payment deferment for my XX/XX/year> mortgage payment. I am experiencing a temporary financial hardship for this month with my light bill being hire then usually. Which will take away half my income which will make it unable to make my. XX/XX/year> mortgage payment.
Consumer complaint received 2024-05-09
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (FL)

I have not been able to access the fund in my account for over a week, I have bills to pay and a family to provide for. This is placing us at severe risk for homelessness. 

I have {$2900.00} in my checking account, have been refused access to my money, no timeline is being shared and I need to pay my bills. It has now been over a week that the account is frozen
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained XXXX 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 XXXX  payments for those accounts.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (MD)

I received a notice from my bank Juno on XX/XX/XXXX that they had frozen XXXX incoming funds with no reason stated. On XX/XX/XXXX they sent a statement that they had frozen everyone 's ACH as well as the ability to use the debit card or make withdrawals. Juno has blamed XXXX XXXX  and XXXX ( FDIC bank ) saying they froze the access to my account with Juno. 

I had my paycheck and incoming credit card payments coming in XX/XX/XXXX and they are not coming in. There is nothing in my account. Of course I changed my account with payroll and vendors, but I have almost {$3000.00} that is vanished. This is insane. There's no access to the funds. How can this be? It's not only affecting me but millions of account holders. You need to take immediate steps to light a fire and get this resolved.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (NV)

Yes you guys left me a voicemail on XX/XX/year> and told me to call back and when i did called back for the card ending in XXXX nobody seem to know what's going on. i been on the phone about an hour and i have been transfer to different department and this is a waste of my time. what is the deal!!
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Hello! I hope this message finds you well. I am writing in regard to an account that appears erroneously on my credit report with XXXX, XXXX and Experian. The account is labeled XXXX, account number XXXX. The account is listed with XXXX XXXX XXXX as a charge off. When I spoke with them, they did confirm the account was paid in full at that they requested it be deleted with all three credit bureaus XX/XX/2020.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (WA)

This company Onjuno I have a checking account with them and went to use my funds that they let be deposited on my account. But they are saying use of everyone 's funds are restricted because they are in a disagreement with a business partner. Meanwhile I am not being told when or if I will be able to access my funds and bills are due I'm losing money on fees and hardship because this company refuse to let me access my hard earned money. This is theft and I want them to be held accountable. How can they allow funds to be deposited but when you want to use or withdraw your funds tell me that they are unsure of when or if I can access MY Money they took knowing they were going to not let me access...
Consumer complaint received 2024-05-09
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PACIFIC PREMIER BANCORP, INC. (LA)

I was informed by credit-wise credit through my bank that a credit card had been opened in my name using my SS #. I contacted the credit card bank, Premier Bank, and was told by one of their representatives that an account was opened in my name using my SS # but the card was mailed to a different address. I informed the representative that I did not open an account and wished for the account to be permanently closed and was informed they would handle it. I also contacted XXXX 's XXXX XXXX company and filed a claim with them. I was assigned a representative to handle my claim. We have been communicating with Premier Bank Credit Card since XX/XX/2023 to solve this issue. I have signed and returned copies of the affidavit of unsolicited credit card statements along with copies of my DL and contacted the company by telephone to try and get this issue resolved but still have not been able to get it settled. 

On Thursday, XX/XX/2023, I received a call from Premier Bank indicating that the payment for the credit card is overdue and I'm responsible for it even though I'm disputing opening the account and was told I needed to file a police report.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. I had recently reviewed my credit report and saw inaccurate information being report resulting in significant negative impact on my credit report. I never authorized this lender to make a hard inquiry on my credit report. Per credit consumer law ( 15 U.S. Code 1602p ) I request that you please remove this specific hard inquiry from my credit report immediately as for it is causing damage to my credit report proving inaccurate information which is in violation of my rights and of the FCRA. 

I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. As well as reporting late payments on my account this is inaccurate information that is having a negative effect on my credit report causing a negative impact on my credit score and payment history. Under 15 U.S. code 1681s - 2 that is in violation of the law and my rights to report any inaccurate information. As well in violation of 15 U.S. code 1681 ( b ) reporting any information regarding my credit report without my written consent. With my account being shown as a charge off of bad debt that is inaccurate and having a negative effect on my credit report causing severe damage to my credit score and history under 15 U.S. code 1601. Regarding the reports of late payments effecting my credit negatively I want to refer that under 15 U.S. code 1666 ( B ) it is a violation of my rights reporting inaccurate information. This is all in violation of the FCRA and I would like them removed immediately. 

I have previously submitted disputes with the following individuals XXXX, Experian and XXXX. The disputes have been submitted on 3 or more separate occasions dating back from XX/XX/year> til currently over the time period I have asked for them to verify proof there credit reports were accurate, they have yet to submit proof or proper accuracy I have pull credit reports from varies bureaus resulting in various instances where I found multiple instances of inaccurate information being reported having a significant negative effect on my credit scores.
Consumer complaint received 2024-05-31
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. (GA)

Back in XXXX of XXXX  a collection was opened on my credit from XXXX XXXX. I have disputed this with transuniom for years and it hasnt been removed. The COLLECTION has been showing on my report as opened, has a high limit balance and shows a past due amount when no payment plan was established with this company. I would like this removed from my credit as soon as possible. I am also about to put in a complaint with the company harassing me.
Consumer complaint received 2024-05-04
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. (FL)

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 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. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2017-12-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

XXXX XXXX XXXX reported {XXXX} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XX/XX/XXXXby XXXX XXXX XXXX ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX XXXX  appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XX/XX/XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XX/XX/XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I have a current credit card account with XXXX that I had for many years. The card, card balance, available credit, and payment history are not showing on any of the XXXX credit bureaus ( Experian, XXXX, and XXXX ). I reached out to XXXX and they said they have been reporting the card. I reached out to Experian but they could not help me with any useful information and instead tried to sell me paid membership.
Consumer complaint received 2024-05-09
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. (CA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (AL)

The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
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. (IL)

I walked into the dealership at XXXX XXXX Indiana 3 months ago and tryed to trade my car in they said that wouldnt be a good ideal and told me jus apply for another car loan and use my business name so I did 3 weeks later the car came up on my personal credit report after I told them Im in the process of building property they reassure me that it was in my business name but that was false information just to get a sale
Consumer complaint received 2024-05-09
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. (CA)

XXXX a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!