davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MN)

# XXXX is # XXXX both of these cards are being tied to my business. I called XXXX XXXX about XXXX purchases in 2021. The one in XXXX used card # XXXX and the one in XXXX used XXXX. XXXX charges show up on my business acct cc.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

I am not aware of any such account. However, this account has fraudulently been placed on my bureaus. I haven't given authorization to place anything on my bureaus. 
I would like to request written validation of this account, verified signing, and or purchase agreement.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against XXXX regarding a collection account that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX and the credit bureaus, the collection account remains on my credit report, causing significant harm to my creditworthiness. 

XXXX XXXX Balance Owed : {$660.00} I have reviewed my credit reports from XXXX XXXX Experian XXXX and XXXX and found that this account is inaccurate and is negatively impacting my credit score. I have no knowledge of this debt, and I have not received any validation of this debt from the creditor. I have previously disputed this account with all three credit bureaus, but it has not been removed from my credit reports. Despite my efforts, the inaccurate information continues to adversely affect my ability to obtain credit and fair interest rates.
Consumer complaint received 2024-08-02
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)

Transunion XXXX and XXXX still reporting inaccurate information on my behalf without my permission I sent documents and proven those accounts was due from Identity theft I uploaded police report and ftc reports that they saying is not honor denying me rights to my credit causing denial making hardship to provide for my family causing. stress and financial harm to my name and repartition .accounts listed is veros credit XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I so have a deletions letter from citi bank but the companies still reporting.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity has been stolen and the criminals are using my information to obtain items and services in my name. Rental car vehicles have been rented in my name with a fake drivers license. The drivers license number matches my real drivers license number and this has been confirmed by the rental car companies. I have filed multiple police reports with different agencies because this is not an isolated issue. However, all companies have investigated and verified I'm not liable except for XXXX which has added collections to my name that needs to be immediately removed. I've already spoken to a representative on behalf of XXXXXXXX XXXX XXXX  company by the name of XXXX XXXX from XXXX and discussed the case. This needs to be deleted and blocked immediately from my report. 
Account # XXXX {$310.00} ; Account # XXXX {$1000.00} ; Account # : XXXX {$750.00} ; Account # : XXXX {$2100.00} ; Account # XXXX {$730.00} ; Account # : XXXX {$670.00} ;
Consumer complaint received 2023-09-12
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-08-02
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)

I reached out to the three credit reporting agencies via mail with copies of my written letter at the end of XX/XX/XXXX. I received no response from any of them in regards to opting out. 
According to the Family Educational Rights and Privacy Act of 1974 it protects me from my school records becoming public. 20 usc ( 1232g ( b ). In my particular case all three credit reporting agencies and the loan company ( XXXX  ) are in direct violation of the act. 
TransUnion, XXXX, XXXX, and XXXX are in direct violation of 15 usc 1681b permissible purposes of consumer reports. Not one of these companies asked for my consent before furnishing these reports.

Also, in violation of 12CFR 1022.3 for identity theft. This was directly added to my report again without my consent. This is reported every month and it has been going on since XXXX of XXXX, which means it has been 135 months.
Consumer complaint received 2024-08-01
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. (OH)

To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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 XXXXXXXX {$420.00}. Has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder.

15 U.S.C. 16815-2 ( 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 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 fumish a account without my written instructions
Consumer complaint received 2024-07-30
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)

This is my XXXX attempt to get transunion to remove the closed XXXX XXXX XXXX account # XXXX that appeared on my credit report. It is fraudulent/merged file identity theft. I provided the FTC and police reports along with multiple Transunion and CFPB disputes. 

Transunion keeps responding that the account has come back UN VERIFIED but have yet to remove the inaccuracy from my credit report. 

The name reporting attached to this XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/2018 is XXXX XXXX XXXX XXXX. My name is XXXX XXXX. 
Per the FCRA 15 U.S.C 1681c-2 section 605B : ( 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section
Consumer complaint received 2024-07-25
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. (FL)

I reviewed my credit report and discovered the following debt collection agencies are not license to collect alleged debt in the state of Florida XXXX XXXX XXXX Account number : XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : Non listed According to Florida Collection agency laws : Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about the alleged debt, in accordance to FCCPA which Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX or after XXXX XXXX unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX aren't licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attached are letters that I sent to the Credit Bureau informing them that the according to the Statue Of Limitations, the debt should no longer be reporting on my Credit Report, but it is and it's lessing my chances of Refinancing.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I sent a check in the amount of {$1300.00} to CARECREDIT to pay off the {$1300.00} balance. CARECREDIT claimed they didnt receive the payment, so I filed a dispute on XX/XX/2024 and faxed them a copy of the check stub. ( see attached A ) CARECREDIT made a balance adjustment on XX/XX/2024 and sent me a letter stating again they didnt receive my payment. ( see attached B ) I requested a Check Inquiry Summary and it shows that they received the check and it was cashed. ( see attached C )
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (TN)

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 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2024-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NV)

The company misleader information related to my Escrow account saying i am short when i have been diligently paying all my monthly installment as assigned in contract. They increased my monthly payment from the original {$2600.00} to {$3200.00}. An absurd increase of {$640.00} monthly. The amount of property tax they are allergy collecting is almost 3 times the average property tax on my area based on my own research. Since my mortgage got transferred to the actual lender, Freedom mortgage i have been having issues with that company. Every time i call them a different person provides a different explanation and reason for extra charges. I feel hopeless and anxious. I have a strong belief they have been charging excessive amounts to my escrow in order to turn it short and force a increase on my monthly payments.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OR)

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

It has been 15 months since my account was closed, and I have yet to receive my remaining balance. Despite exhausting all avenues to verify the maker and third party, I have faced consistent obstacles with Chase Bank. Initially instructed to visit the branch with the third party, this attempt proved futile as the bank 's policy had evolved to disallow in-person verifications for held funds. Consequently, I am now required to provide a phone number for the third party, even though the number is registered under her mother 's name, rendering verification challenging. The erroneous mention of " third party '' name as XXXX XXXX  from an oversight by XXXX, where my store name was not updated to 'XXXX'has further complicated matters ( which I have proof of ). Notably, payment processing is overseen by XXXXXXXX XXXX XXXXXXXX, with XXXX issuing an authorization letter confirming the transfer of funds to my account. Regrettably, XXXX 's communication method exclusively relies on digital channels. Despite having substantial evidence supporting my claim, I find myself at an impasse. I implore you to facilitate the release of my funds promptly or propose an alternative verification method, given that conventional phone verification fails to align with my unique situation. I chose to opt out of arbitration within the 60-day window of opening my account, and this marks my ultimate grievance. If no action is taken, I will begin preparing for litigation and seek national media coverage on this matter.
Consumer complaint received 2024-07-26
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. (DC)

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-10
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. (TX)

I sent a certified letter on XX/XX/year> with an affidavit reporting to Experian that there was incorrect information on my credit report due to identity theft. My letter included personal identifying information, a copy of the XXXX police department identity theft report I filed, a copy of the FTC identity theft report I filed, a copy of my driver 's license, a copy of my social security card, a copy of a current utility bill, and a copy of my current experian report showing the negative information being reported. The affidavit demanded that they block this information as it was a result of identity theft. 

Experian responded to the letter on XX/XX/year> by saying that : " If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. 

The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( XXXX ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' As a result, negative information is still being reported on my report. I called Experian on XX/XX/year> and spoke with a representative. I informed him that XXXX XXXX does specify criminal penalties for filing a false police report so this report does meet the guidelines. He responded by telling me that Experian will not disclose why it does not meet the guidelines. I asked where I can file a report that does meet their guidelines and was told that they don't disclose that either. 

So I filed a police report of identity theft that comes with criminal penalties but Experian says it doesn't meet their guidelines to block the information from my credit report however they won't tell me why it doesn't meet their guidelines despite the report being exactly what is within their guidelines. 

How am I going to be able to ever buy a house with this negative information on my report if it can't be blocked by following Experian 's own guidelines?
Consumer complaint received 2024-07-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (OH)

RMP LLC is contacting me via telephone call every day, sometimes twice in a row back to back to collect a medical bill debt of {$1700.00}. I answered one of the calls, informed them that I have made a payment and to please stop contacting me. They continue to call daily.
Consumer complaint received 2024-05-08
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-05
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. (NY)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.