davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion XXXX and XXXX has lowered my credit score by XXXX points during the late XXXX and XXXXXX/XX/XXXX months. The Credit Bureaus has altered my score with the information that my school loan was scheduled for repayment back in XXXX. When actually I don't have a schedule repayment untilXX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-10-16
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 CHECKED MY CREDIT REPORT AND I SEEN SOME IN ACCURATE INFORMATION. ACCORDING TO THE FCRA ALL INFORMATION MUST BE 100 PERCENT ACCURATE. THIS ACCOUNT IS NOT REPORTING ACCURATE. I SUBMITTED PROOF THIS IS NOT CORRECT 15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.

15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence.

The accounts that I am referring to are listed below : 1. Under 15 U.S.CODE 1681e ( b ) and 15 U.S.CODE 1681i ( 5 ) this account is in violation and is not reporting 100 percent accurate XXXX XXXX Account Number : XXXX THIS ACCOUNT # : IS NOT 100 PERCENT ACCURATE MONTHLY PAYMENTS : IS NOT 100 PERCENT ACCURATE BALANCE : IS NOT 100 PERCENT ACCURATE HIGH CREDIT LIMIT : IS NOT ACCURATE LAST REPORTED : IS NOT 100 PERCENT ACCURATE DATE OF LAST PAYMENT : IS NOT 100 PERCENT ACCURATE IVE ATTACHED PROOF 2. I had never even heard of this company before! I also dont have any contractual relationship with this company COLLECTION AGENCY THATS REPORTING THIS DEBT. I SENT A LETTER ASKING FOR A CONTRACT WITH MY WET SIGNATURE. THEY NEVER SENT IT. PLEASE DELETE FAIR COLLECTION AND OUTSOURCING Account Number : XXXX Please DELETE it from my credit report.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-10-16
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: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2022 Hard Inquires was pulled from my Credit Report from XXXX XXXX, XXXX XXXX XXXX without my consent. I sent letters XXXX  months ago to the consumers asking for verification & have not got any response.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-10-16
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. (MD)

I contacted consumer reporting agencies XXXX and Transunion on XX/XX/23 to let them know that there are unauthorized transactions on my personal report that I want removed immediately. Both agencies told me that they can report any information sent to them from any company and they will not help me. I informed them again that the transactions are unauthorized and unvalidated but neither agency would remove the information from my report.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I never sing whit this account and Transunion reported the accounts in my credit report, the accounts are : XXXX XXXX XXXX company # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I had a consolidation loan through XXXX which included my Synchrony/XXXX XXXX  card . The account was paid off, resulting in an overpayment to XXXX XXXX/Synchrony in the amount of {$62.00}. On XX/XX/23 I called Synchrony who verified I was due the refund and submitted it for me. In XX/XX/23 I called XXXX XXXX/Synchrony bank back as I had not yet recieved my refund check as promised. I was transferred to the XXXX XXXX  complaince team ( XXXX ) and spoke with XXXX. She stated the refund of {$62.00} was approved on XX/XX/23 and the " check was in the mail ''. On XX/XX/23 I called back the compliance team and spoke with XXXX who stated he did not see a check going out to me nor was I due a refund, even tjhough it was previosuly confirmed AND XXXX XXXX sent me a letter showing the overpayment! He said he would have to transfer me to a manager, the number he transferred me to no longer in service ... '' the # you dialed is no longer available ''.
Consumer complaint received 2023-10-13
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (MI)

This is current banking mobile. I request a dispute for {$1400.00} that somebody stole from me on XX/XX/XXXX which was a work check I just received at XXXX while I was at work and I seen that it said I sent {$1400.00} to XXXX at XXXX I immediately made a dispute claim at XXXXXXXX XXXX and I dont know an XXXX and and I provided a police report on XX/XX/XXXX. Once I provided the police report they refunded me {$30.00}. I had to wait 10 days for me to get a resolution for my {$1400.00} dispute and didnt get a resolution until my XXXX day and they denied it. They told me I couldnt make another dispute because it was final but I couldnt even get in contact with nobody to talk to them to explain that I have proof that somebody stole my money!! I just want my money back
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am writing to file a formal complaint against Equifax for their failure to respond to my dispute within the legally mandated 30-day timeframe, as required by the Fair Credit Reporting Act ( FCRA ). This failure to adhere to the law has had a detrimental impact on my credit report and my rights as a consumer. To provide a comprehensive account of this issue, I would like to highlight the following key points : 1. Dispute Submission Date : I submitted a dispute letter to Equifax via fax to their number XXXX on Wednesday, XXXX XXXX XXXX. This dispute was sent with the expectation that Equifax would respond within 30 days, as mandated by the FCRA. Thus, I anticipated receiving a response from Equifax on or before XXXX XXXX XXXX. 2. Lack of Response : Regrettably, I have not received any communication or investigation results from Equifax concerning the dispute I submitted. It is important to note that this timeline exceeds the 30-day window established by law. 3. Specific Dispute Resolution Requests : In my original dispute letter to Equifax, I clearly requested the removal of two items from my credit report. These are outlined as follows : a. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : I am formally requesting the permanent removal of the XXXX XXXX XXXX XXXX account, identified by account number XXXX, from my credit report. b. XXXX XXXX XXXXy ( Reference Number : XXXX ) : Furthermore, I am requesting the permanent deletion of the public record associated with reference number XXXX from my credit report. To substantiate my complaint, I have included a copy of the original dispute letter that was sent to Equifax.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, 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. (IA)

I did not Authorize XXXX XXXXXXXX to run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my Equifax report there are XXXX on my XXXX report and there is XXXX on my XXXX report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my report
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I have been sent multiple Equifax Credit Reports via mail, and every report says that they have deleted a specific inquiry that has been fraudulent on my credit report since XX/XX/2023. The inquiry still hasn't been removed on the Equifax website when I check my updated Credit reports. I need the XXXX hard inquiry removed and deleted immediately, because it's a breach of my rights and violates the Fair Credit Reporting Act Section 1681 b ( c ). I have attached another copy of the Equifax Credit Report that states the hard inquiry of " XXXX '' has been deleted. Please reflect the removal of the hard inquiry, and delete it immediately from your Equifax Website.
Consumer complaint received 2023-10-13
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. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (NC)

Netspend XXXX XXXX account is refusing to allow me to use my debit card however this company is still deducting money from my account to pay for my monthly charge even though I'm not allowed to use my own money
Consumer complaint received 2023-08-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

Throughout the month of XXXX, I have tried to use my American Express gift card at numerous merchants in-person and online. Supposedly, the card should be accepted by any merchant that accepts American Express credit and debit cards. 

Instead, I found that the card was declined everywhere. One store asked me to leave once they saw the gift card. I can only surmise that the cards have become synonymous with scammers or something. 

I called AMEX 's support line to try to get the money stuck on the card usable. I was told to every time to wait for 24 hours and try again with a different merchant. Despite doing just that, I found that no one would accept the card. AMEX support refused to offer any other solution.
Consumer complaint received 2023-10-16
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)

After taking a trip to XXXX I was notified by creditwise through my credit card app that a XXXX XXXX and a XXXX XXXX card had been opened under my identity. I disputed the XXXX XXXX and it was taken care of ( this actually happened twice within a few month span ) This was removed from my credit report. 

My first step was to Call XXXX and have them open an investigation. 

I then opened a dispute with Transunion on XX/XX/2023 when I because aware of the issue. File # XXXX. They verified the account as accurate and updated which is incorrect. 

I then filed multiple disputes with XXXX on XX/XX/2023. Report Number XXXX. All of which were deleted from my report, please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

I then filed another dispute with XXXX XXXX XX/XX/2023. Report XXXX XXXX. During this dispute they removed another " XXXX '' fraudulent account along with a XXXX account. 

For some reason they did not remove the XXXX XXXX account but instead said it was verified and updated. Please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

XXXX is showing the account as closed. I don't understand how the different bureaus are showing this in different statuses.
Consumer complaint received 2023-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (OR)

On XX/XX/2023, I requested a detailed description and/or detailed statement, including outlining the amounts for each adjustment listed in the quote. These descriptions and amounts as they are currently listed are vague. Also, I would like to know why such an exorbitant amount is being applied to total late charges? Because I paid for all the above, please also provide a copy of the Title/Appraisal as listed in the quote. 

I sent a letter to Flagstar via certified mail which was received by them XX/XX/2023.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (NC)

In a previous complaint this company responded with the below regarding notice : We mailed you separate and unique validation letters on XX/XX/XXXX, for account no. XXXX, and on XX/XX/XXXX, for account no. XXXX. 

Please provide the proof of notice, perhaps with a return receipt mailing that I signed. I did not receive notice that is supposed to be given by law for either account. You have violated my right to notice and have negative information on my credit reports without being able to provide proof of notice. Also, please provide itemized statement of accounts to included charges, payments, credits, fees, etc. to present date of XX/XX/XXXX.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA (GA)

In XX/XX/XXXX AES was discharged in bankruptcy. They refuse to stop harassing me or remove the debt. I continue to get bills, statements and everything from this company. I have sent them bk discharge papers numerous times over the years including copies of my credit reports showing it was discharged in BK in XX/XX/XXXX. They will not remove it, respect the judges decision and continue to break the law. Once the BK fell off of my credit report, they put it back on with 10 yrs worth of interest. I am looking for a attorney but I am being denied credit and my credit limit is being limited because this debt is being reported. They are currently in contempt of court. I sent a certified cease and desist letter.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (TX)

Collection Agency Common Wealth Financial 
account XXXXfor $XXXX and XXXX for $XXXX
I have talked with this company and advised that this is for me and that they have no bill nor proof of my DL id or signature. I have disputed with XXXX, XXXX and XXXX and they have failed to remove this off my credit report.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

All 3 credit bureaus are reporting 2 collections on my credit report that is inaccurate. I have asked for proof of the collection being valid and for proof that notice was given to me. Neither has been provided.