davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (VA)

This company Upgrade Inc has done nothing to help me with a fraudulent loan account put in my name. The unauthorized loan account opened up on XX/XX/23 amount initially shown was {$4000.00} but after looking at my credit reports its shown as a reported balance of XXXX that I did not authorize and neither did I know about. 2 miscellaneous payments of {$210.00} were made on the account on XX/XX/23 - XX/XX/23. After receiving mail from the company, I contacted the company letting them know of identity theft and they responded but were not very helpful, they concluded with its your name and information on the account and based off that, thats what we have to go off of. I provided bank and credit card documents to them as they requested but they still continued to give me negative feedback and saying its not sufficient enough. At this point I dont know what else to do, my credit score is dropping and this isnt my debt, neither was any of my bank accounts used to pay the miscellaneous payments to the account. Recently that sent a letter saying that since I have not been cooperating that by this XXXX it will be fully delinquent and nothing will be able to be resolved from their end. Im reaching out to Consumer Financial Protection Bureau to get some assistance on this matter, Im tired of stressing on this matter, its affecting my life and I dont feel safe, on top of that none of this is right. I did my part with providing documents and informing the company I never even heard of them, never done business with them before and Ive locked all my credit information down to prevent anymore of this insufficient data from being used. Im asking for a resolution on this matter asap.
Consumer complaint received 2023-11-03
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)

I am writing to file a formal complaint against TransUnion regarding their inaccurate reporting of an XXXX account on my credit report. I believe that this reporting is unjustified and violates the Fair Credit Reporting Act ( FCRA ). 

I received a copy of my credit report from TransUnion, and to my surprise, I discovered that an XXXX account was listed. I would like to point out the following issues with this account : Lack of Business Dealings : I have never conducted any business or entered into any contractual agreement with XXXX. There is no history of any written or verbal contract between XXXX and myself. 

No Outstanding Debt : I do not owe XXXX XXXX XXXX any balance. The account in question with XXXX XXXXXXXX XXXX  was closed, and there are no outstanding debts or balances associated with it. 

Unauthorized Reopening : TransUnion reopened the account with XXXX without notifying me or seeking my permission. This unauthorized reopening is in direct violation of my rights as a consumer. 

Missing Disclosures : XXXX has not provided any written disclosures with my signature to support the validity of this account. As a consumer, I have the right to receive written documentation regarding any debt, especially one that negatively affects my credit score. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. I also ask that TransUnion correct this erroneous information and provide me with a revised credit report that accurately reflects my financial history.
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OH)

Resurgent Capital Services, is sending me a lot of letters saying that I owe them for debt that was paid. They sent me a 22 year old bill stating that I owe them for an account that I never opened, and they are trying to collect money from me on an account that I asked them to validate and they refused to send me the information, but they are still reporting negative information on my credit report.
Consumer complaint received 2023-11-03
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. (NC)

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.

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 2023-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid for computer clean up services via XXXX from a guy with the XXXX  name of who has a company name of XXXX XXXX XXXX XXXX ( email : XXXX ) XXXX ( name on XXXX ) on XX/XX/XXXX. He asked for {$200.00} for his services and then claimed that he did not receive the funds when the funds were sent via XXXX. 

I complained to Capital One and they claimed that there was nothing they could do to retrieve the funds because XXXX is a 3rd party entity. Capital One also refused to pursue a second claim because the initial claim was completed and they have decided to not reopen the claim for full resolution. I was scammed out of {$200.00} from a guy on XXXX who probably changes his name after every scam he performs. I also contacted XXXX directly and they have never responded despite a complaint filed and the transaction number that was given to them.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 2021-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX XXXX is reporting this debt to my credit to which i do not owe .I have contacted them to tell them that I never had an account with paypal and they refused to remove the account from all three credit bureaus. This is in violation of the FCRA is williful as they have not provided me any documents.
Consumer complaint received 2023-10-12
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Closed Accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (GA)

twice i have asked AmEx Debt Collection Department for a copy of ORIGINAL PAY AGREEMENT from XXXX. 
1st request was ignored, sometime in XXXX of XXXX. 
2nd attempt maid on XX/XX/XXXX. They did not respond within 30 days. 

After calling them to alert them they were wantonly and willingly witholding requested documentation, they said they would review the tape of the previous call. 

The document they did send, received after XX/XX/XXXX, was not the document requested. I requested the ORIGINAL agreement made last year, and they furnished only the CURRENT pay agreement.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX I mailed these letters certified mail to you and i have yet to receive A WRITTEN RESPONSE!!! MUST I PURSUE LEGAL ACTION!!!!?? 

XXXX XXXX XXXX XXXX Remove my items immediately or face legal action
Consumer complaint received 2023-10-12
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. (AL)

On XX/XX/XXXX I mailed these letters certified mail to you and i have yet to receive A WRITTEN RESPONSE!!! MUST I PURSUE LEGAL ACTION!!!!?? 

XXXX XXXX XXXX XXXX Remove my items immediately or face legal action
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

The public record of discharged chapter XXXX bankruptcy : XXXX listed on my Equifax is inaccurate information and not my bankruptcy case or public record information. The United States District Court District of Minnesota Bankruptcy Court informed me that they did not report the public record thats currently listed on my Equifax credit report, because they do not report any bankruptcy cases to Equifax, XXXX, XXXX XXXX or any credit reporting agency. The following credit inquiry listed on my Equifax credit report is fraudulent and not my credit inquiry : XXXX XXXX  XX/XX/2020
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XXXXXXXX XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus for XXXX XXXX XXXX. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.
Consumer complaint received 2023-08-25
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. (TX)

Equifax is keeping me from restoring my life as a victim, I have consulted with an advocacy group who helped me submit documents in order to help with my situation. I am very displeased that Equifax has failed to correct this information. I attest that I am a victim of in person trafficking.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OPORTUN FINANCIAL CORPORATION (OK)

Oportun Credit Card states opened a card in XX/XX/2022 and it wasn't paid on since XXXX of XXXX  and has been negative since and they say I now owe {$1800.00}. I have no recollection of this card. It is a fraudulent card. When I call Oportun they can't even find any information of me in their system. One of my ticket numbers they have provided me with is XXXX. I have filed Disputes to get this off my credit because it is not my credit card and I shouldn't have to pay for something that isn't mine and they can't even find me in their system.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

On XXXX I received an alert that my bank card was being used in XXXX. When asked if this was me I pressed no and immediately called my bank. By pressing no I assumed the transaction would be declined. It was 5 {$100.00} amounts being taken. They put the money back, but almost one month later after an investigation said it had to be me. I have never been in the state of Florida. They said there is nothing they can do.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (KS)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX  XXXX XXXX : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX  XXXX : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.
Consumer complaint received 2023-11-03
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. (NC)

XXXX XXXX XXXX INQUIRY-XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY- XXXXXXXX XXXX  XXXX XXXX XXXX : INQUIRY- XX/XX/ XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXXXXXX XXXX : INQUIRY- XXXXXXXX XXXX XXXX I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.
Consumer complaint received 2023-10-12
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. (NJ)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-10-12
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. (FL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2021-08-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have an account on my credit report that is reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed this alleged account with Experian on XX/XX/2021. The account is from XXXX XXXX and the payment history reporting is incorrect on this account along with an incorrect balance. Since sending the dispute letters on XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Consumer complaint received 2023-10-12
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. (FL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC (IL)

On XX/XX/2023 a loan officer from XXXX XXXXNewrez ran my credit for refinancing my current mortgage and stated on recorded line my credit score was XXXX and as long as my home appraisal was XXXX or more we could move forward it appraised for XXXX when I sent my income verification SSDI award letter I was sent a denial letter after they took appraisal and other fees from me. I have a XXXX XXXX and was taken advantage of by XXXX XXXX loan officer and won't return my calls or emails
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions