davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$4800.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY REPORT I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Consumer complaint received 2024-08-06
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$5700.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-05-26
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 SENT A LETTER OUT ON XXXX XXXX XXXX XXXX XXXX, transunion, XXXX  however its been more days and the credit bureaus failed to send my investigation back according to the law 15 USC CODE 1681I ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2024-05-27
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX, I initiated a transfer from my Ally checking account to XXXX XXXX XXXX for the amount of {$30000.00} The transfer posted to XXXX XXXX XXXX on XX/XX/XXXX, but was rejected because the XXXX XXXX XXXX account is under my wife 's name. XXXX XXXX XXXX sent the funds back to Ally on XX/XX/XXXX. I've confirmed with XXXX XXXX XXXX that the funds had been sent back, no holds or freezes had been applied to the funds. 

On the same day, I've received an email from Ally bank, stating that the above transfer has failed, and that if the transfer was initiated from Ally bank, it will be deposited back to my account with in 3-5 business days. On XX/XX/XXXX, which is the 5th business day since the email from Ally, I've contacted Ally for more information regarding the funds getting deposited back to my account. The phone agent contacted their back office, and confirmed with me that she can see the funds pending, and it would get deposited back to my account on Wednesday XX/XX/XXXX. 

I called again on XX/XX/XXXX and the phone agent told me that they can not see any deposits pending. They talked to their back office and back office told them that XXXX XXXX XXXX is probably holding the funds, and they need to release it. 

I contacted XXXX XXXX XXXX and was informed that the funds had been released and transferred on XX/XX/XXXX, and that I have to work with Ally bank to see when the funds are deposited back to my account. 

On XX/XX/XXXX I gave Ally a call at XXXX PDT, and the phone agent told me that they can not see any deposits pending, and told me that the back office would give me a call to help me with the issue, but they have not done so all day. I called them back at XXXX PDT and the phone agent informed me that the office had closed.
Consumer complaint received 2024-05-26
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)

XXXX XXXX Account Number- XXXX. I just received a copy of my credit report I noticed that you guys are reporting this account incorrectly this collection account is reporting not only OPEN, but also shows the past due balance of {$650.00} according to the FCRA, I have a a right to a accurate credit report please remove this account immediately from my credit report please provide me a new copy of my credit report reflecting this account upon completion
Consumer complaint received 2024-05-23
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My correct name is XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX is reporting my name as XXXX XXXX XXXX which is inaccurate. 
XXXX- is reporting my name as XXXX XXXX XXXX which is inaccurate the hephen is in the incorrect position. 

Equifax is reporting an inaccurate name of XXXX XXXX XXXX. XXXX  XXXX is the incorrect last name. 

My current and correct address is XXXX XXXX XXXX, XXXX, GA XXXX XXXX are reporting incorrect addresses that I don't recognize or never resided at : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX  XXXX is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
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)

My initial loan were with XXXX XXXX which they went out of business in XXXX of XXXX. XXXX XXXX took over their comstumer loans. I asked XXXX XXXX for a copy of original loan that I signed with the company. My loan roughly around {$13000.00} and they added XXXX to my loan without me knowing anything about it. They did not give it to me since I've talked to them on XX/XX/XXXX. They repossessed my car which I paid {$1200.00} to get it back. They blocked me from having access to the account whatever small amount left. I could not pay it. According to their system. My last date for payment was XX/XX/XXXX. They claim I owe {$2000.00} now which doesn't make sense at all. I'm currently talking to a law to make a lawsuit against them.
Consumer complaint received 2024-06-26
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 am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Chase Checking and savings accounts were opened on XX/XX/year>, via email with promo code to receive {$900.00} after requirements were satisfied. It seemed that the promo code was not attached to my account despite clicking on link in email for opening both accounts with promo code attached automatically. Perhaps there was a glitch. 

Chase was contacted on XX/XX/year>, and a case was created to resolve the above issue regarding the promo code and to have the {$900.00} manually credited but as of today XX/XX/year>, the situation is still unresolved. It has been XXXX  days and the {$900.00} should be honored as promised in the email. 

Please credit the {$900.00} as soon as possible.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I sent letter to EXPERIAN they received on XX/XX/XXXX about new information of them reporting inaccurate Information on my credit report. They relied on XX/XX/XXXX all reported information is accurate but I can clearly see inaccurate data they are reporting on my credit report. EXPERIAN denied my reinvestigation. XXXX is reporting XXXX inaccurate Address ID ( Not my address ). 
XXXX inaccurate Monthly payment ( Not Report how can there be a balance ). 
XXXX inaccurate Account XXXX ( Account is closed ). 
XXXX inaccurate Date Payment received ( Between XXXX. XXXX through XXXX. XXXX the date payment was received is XX/XX/XXXX on every month. 
XXXX inaccurate past due Balance ( can not be a balance on charged-off account according to UCC laws ) XXXX EXPERIAN DID NOT follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
EXPERIAN is in violation of CFR 607 ( b ). 
EXPERIAN is in Violation of CFR 611 ( a ) ( 1 ). 
EXPERIAN is in Violation of CFR 616. 
EXPERIAN is in Violation of CFR 617.
Consumer complaint received 2024-05-26
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)

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 2024-05-26
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. (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 Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : 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 : Also states a consumer reporting agency can not furnish an 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 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.
Consumer complaint received 2023-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC (TN)

I was working a full time job for a year getting paid {$32.00} a hour. My boss moved and the company laid me off. I am listed still as an employee but i dont work but XXXX hours per week.
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANCORP (PR)

During the XXXX storm I was told that I did not have to make 3 months worth of mortgage payment to alleviate with the conditions faced in Puerto Rico and that these 23 months will be added to the end of the Mortgage life. Upon month 4 I received information noting that I was required to make the 3 month mortgage pmt and the current month mortgage payment or I will be faced with potential foreclosure. I am a senior who lost everything and live on a fix income. I felt mislead by the Bank by the offer made to me with misleading information. I have tried to come to an agreement with the bank and was not able to resolve my issue. XXXX XXXX in XXXX Puerto Rico.
Consumer complaint received 2024-05-26
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)

Hey it show a late payment on my credit report. I was never late on my account. Loan number XXXX show I was late in XXXX and I was not please fix and correct.