davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (TN)

I asked the credit bureaus to do a VERIFICATION of everything on my credit report and they did and also stated that everything was ACCURATE. I further did a research myself and found INACCURACIES on my credit report even after they said they did a FULL RESEARCH. In accordance with the FAIR CREDIT REPORTING ACT, XXXX Account # XXXX, # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, all have violated my consumer rights. 15 U.S.C 1681 602 A states that 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 an account without my written instructions. See attached documentation
Consumer complaint received 2023-09-23
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: JPMORGAN CHASE & CO. (OH)

XXXX XXXX a unknown credit hard inquiry appeared on my report from JPMCB? I did not not apply for any line or credit! I have credit lock on account already how did someone access my information without permission to make a hard inquiry? Any further help or assistance regarding this matter would be greatly appreciated. Thank you. 
XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Creditors put accounts into collections of accounts I dont have knowledge of, they wont respond back to me or dispute accounts off my credit I want these accounts removed 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 2023-12-22
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)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX that was with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CT)

We originally had a first and second mortgage with XXXX XXXX in XXXX. When we were unable to pay the second mortgage in XXXX the bank agreed to modify the first loan ( # XXXX ) and charge off the second loan ( # XXXX ). These terms were worked out and agreed to by bank representative XXXX XXXX of XXXX XXXX, and it was our understanding that the first mortgage modification would cancel the second mortgage completely. However, a year later we began to receive notices from various companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX saying that we still owed money on the second mortgage. For years we asked for proof from each of these companies and none was ever presented. 

In XXXX we began to receive notices from Specialized Loan Servicing. We again asked for proof that we still owed this money, and this servicer took XXXX years to actually provide it. Then late last year they sent us a letter saying that they intend to foreclose. 

We did some research and it seems that both of our loans are owned by XXXX XXXX. Our first mortgagewhich is in good standingis part of XXXX XXXX XXXX  XXXX XXXX, Mortgage Loan Asset-Backed Certificates, Series XXXX, XXXX XXXX XXXX XXXX XXXX as Trustee , ( serviced by Select Portfolio Servicing ) and the second ( defunct ) mortgage is part of XXXX XXXX XXXX XXXX  XXXX XXXX Mortgage Loan Asset-Backed Certificates, Series XXXX, XXXX XXXX XXXX XXXX, as Trustee ( serviced by Specialized Loan Servicing ). 

We have tried every option that SLS has offered us and they are all unaffordable. We have offered them a Short Negotiated Payoff Offer of {$14000.00} ( our complete savings at this point ) but they rejected it, saying that they want us to pay close to the original principal of {$98000.00}. 

Our address is XXXX XXXX XXXX, XXXX, CT XXXX and our mortgage is in the name of XXXX & XXXX XXXX.
Consumer complaint received 2023-09-23
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. (FL)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 TransUnion XXXX XX/XX/2023 TransUnion =================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (PA)

XX/XX/18 & XX/XX/18 both dates I received phone calls ( XX/XX/XXXX ) on my cell phone and ( XX/XX/XXXX ) on my home phone from XXXX XXXX XXXX asking for a person with the same name. Without verifying I am that person the party released they were collecting a debt and the company they were calling on behalf of, XXXX XXXX. Each time I confront about breaking the law about releasing that information their representatives hang up on me. My wife called back XX/XX/XXXX and spoke to a team leader named " XXXX XXXX '' confronting about releasing personal info related to said debt without verifying and the harassing calls by repeatedly hanging up and he as well released the info without verifying address or social security number. The request was submitted to cease communication from both numbers and they were notified a complaint would be made on the now three documented occasions of the release of private info.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I am the author of this complaint. I checked my credit report and saw that an account from SYNCB/CARECREDIT was reporting inaccurately, so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company " verified '' that the account was reporting accurately. I used the XXXX XXXX XXXX to cross reference how this account should be reporting and they are in fact, still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. 

SYNCB/CARECREDIT has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause, so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license, social security card, and the correspondence that I mailed to the company is attached to this complaint
Consumer complaint received 2023-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

I took a loan for {$750.00} made four payments, 2 months of XXXX XXXXXXXXbiweekly and should have covered the loan and interest which is XXXX XXXX   day/ {$100.00} loaned, I have paid back the loan plus interest, but they are trying to continue to debt my account.
Consumer complaint received 2023-06-08
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)

I am not happy with the credit bureaus. I am a victim f identity theft/fraud and the accounts that i have on my credit files do not belong to me. I requested the creditors and bureaus to send me the steps on how they verified these fraud accounts and no one has sent me anything. As a consumer I know my rights and you all are being illegal. per 15 usc 1681 b I did not authorize you to furnish this incorrect information and this information does not belong to me. I am not liable for any of the accounts or transactions created by these accounts. If this matter is not resolved i will have to take legal action. I will give you all one more chance to properly remove the fraud items.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I deposit my check on XX/XX/XXXX and I received a confirmation email stating my funds will be credited to my account on XX/XX/XXXX. XX/XX/XXXX my fund was not available. In addition, I was charged XXXX per for over a year for an account that was supposed to be free. I called bank of AmericaXXXX in reference to these issues and the manger/supervisor refused to speak with me. I had to yell and scream for an hour because the manage agreed to take the call from the representative. The supervisor XXXX said I have to wait until XX/XX/XXXX for my check to post regardless of the confirmation email. She only refunded 11 months of the XXXX fee and refused to refund the rest.
Consumer complaint received 2023-12-22
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. (LA)

I submit this complaint today to apprise you of my identity theft victimization. Following a visit to the Federal Trade Commission website ( https : //www.ftc.gov ), I filed an identity theft report, denoted as # XXXX. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expeditiously remove any items enumerated in an identity theft report. Additionally, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to eliminate items in the consumer file identified by the consumer as information stemming from an alleged identity theft, no later than 4 business days subsequent to the date of receipt. Enclosed herewith are the ATTACHED documents and FTC Report, intended to facilitate the removal of erroneous information and inquiries presently affecting my credit reports. The following items, neither belonging to me nor authorized by my consent, are outlined below : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed inaccurate information with XXXX in regard to this account First Premier {$1100.00}, XXXX XXXX for {$600.00} and another XXXX  XXXX for XXXX XXXXXXXX stated the information was verified and accurate. I checked my credit report the information is still inaccurate. The report shows the payment history for XXXX XXXX begins in XX/XX/year> which is another inaccuracy! How payment history begins XX/XX/year> and account opened in XX/XX/year>. The accounts for XXXX also showing various inaccurate late payment of XXXX, XXXX, XXXX then XXXX, XXXX, XXXX late. inaccuracy which shows XXXX, Transunion, XXXX never verified this account for correct accuracy. Who verified this inaccuracy which company and what date were these accounts actually verified for accuracy? 
These accounts are clearly inaccuracies that XXXX, Transunion, and XXXX allowed to remain on my credit report is inaccurate. These accounts are deemed 100 % inaccurate and should be deleted immediately. Please delete these accounts effective immediately. This is my right per the Fair Credit reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consu be inaccurate or incomplete or can not be verified, the consumer reporting agency snall. ( 1 prompty delete that item of Information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the modified or deleted from the file of the consumer. I'm asking that you delete these inaccurate accounts on my credit report and send me an updated copy of this report in 15 days. Account Name : First Premier Bank Account Number : XXXX Balance : XXXX XXXXXXXX : delete account immediately, Account name : XXXX  XXXX Account XXXX Balance {$600.00}, Account Name : XXXX  XXXX account number XXXX Balance {$1000.00}
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 usc 1681 e b all information reporting to someones credit report must be accurate or shall be removed immediately *Account says it was opened on different dates *Date last report is different
Consumer complaint received 2024-04-20
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. (IN)

Dear XXXX XXXX XXXX XXXX, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Reporting act XXXX : XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-08-31
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-04-20
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'm a co-signer on a loan that was reprocessed and which i didn't know about. On my credit report Transunion and XXXX which I review on XX/XX/2024 shows the address is wrong, the amount for the car is wrong. The car has been sold and wasn't told about it. Under the Fair Credit Report any incorrect current balance and incorrect credit limit should be corrected or removed from Credited report.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX