davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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. (IL)

Hello, I am asking for help with resolving the falsely prepared collections on my report by the XXXX XXXX XXXX, which represents XXXX XXXX, which is the previous owner of the apartment I was renting and without any basis or evidence, passed me on collections and I have completed 1 year lease with the new owner XXXX XXXX XXXX with balance {$0.00} and I have it reported and I am attaching it to the evidence. I am requesting this be resolved from my report that was falsely prepared without evidence required by the XXXX XXXXXXXX XXXX by the XXXX XXXX XXXX for the amount of XXXX. Thank you.
Consumer complaint received 2023-12-15
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. (IL)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-20
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)

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/XXXX. I recently retrieved a copy of my credit profile and public records and realized there were several addresses linked to my name. I have a very common name. I've contacted the credit bureaus ( TRANSUNION, XXXX, AND XXXX ) XX/XX/XXXX via phone and by mail to ask them to remove the fraudulent addressed from my profile. After attempting to access a line of credit, delinquent accounts are being attached to my credit profile. I am unsure if this a result of my items being stolen or with me having a very common name. I not only requested verification but also an update to my credit profile and nothing has been rectified. These addresses and accounts being linked to my name is affecting my ability obtain credit and also in violation of 15 USC 1681. No information should be furnished to my profile without my permission along with the result of identity fraud. Is
Consumer complaint received 2023-12-20
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. (CA)

I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work two jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my mental health. I insist you remove any and all inaccuracies because it is a violation of my rights.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I bank with Bank of America, Im currently on a XXXX for the XXXX and soon will be coming home. Ive been out here since XX/XX/XXXX, and around sometime in XXXX on the XXXX to be exact my account was charged and someone had taken XXXX dollars out of my account. I opened up a investigation with the bank and they gave me my money back for the time being till the investigation was concluded, now about 2 days ago the bank is taking away my money again because their saying I had to give this person authorization to use my account which makes no sense. They tell me that this person had use my pin ( Im the only person who knows my pin ), and had to use my debit card ( which is impossible because my debit card has been deactivated before the month of XXXX. Now the bank is denying my claim and are uncertain that Ill get my money back, so basically the bank is stealing XXXX dollars away from me. I have proof that I have not been in the states since XXXX and am certain the only person who knows my pin is me which is why Im telling them someone is scamming me. Would really appreciate you guys help, thank you.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

My account was closed around XX/XX/2022 with out my knowledge when I have XXXX percent payment history and always payed my bill on time. 

I just recently had a family member pass and I asked for helped regarding my minimum payment and was told there was nothing they can do if a certain minimum amount was not made. When they could help me with a lower APR, lower monthly minimum etc. I only found out my card was canceled when attempting to schedule a payment.
Consumer complaint received 2023-12-21
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. (AR)

I am writing to formally file a complaint regarding the presence of fraudulent items on my credit file. Despite my previous attempts to address this matter, the inaccuracies persist, causing significant harm to my credit score and financial standing.

There are items on my credit report that are the result of identity theft or fraud. These inaccuracies have been impacting my credit score and causing distress.

I have submitted dispute requests along with supporting documentation to prove the fraudulent nature of these items. However, I have not received a satisfactory resolution to date. 

The presence of these fraudulent items on my credit file is adversely affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I am requesting that you conduct a thorough and expedited investigation into these fraudulent items. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the investigation 's progress and resolution. It is crucial for me to receive assurance that these fraudulent items will be promptly removed from my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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)

I am writing to formally dispute the accuracy of information contained in my consumer report. It has come to my attention that your records reflect a missed payment on the account associated with Account Name : XXXX XXXX XXXX XXXX, under the Fair Debt Collection Practices Act. 

I wish to emphasize that I have never missed a payment on this account. Upon thorough review, I have verified that all other accounts are marked 'Paid as agreed ' on my credit report. Therefore, it is imperative to rectify this discrepancy immediately. Under the provisions of the act, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participatng in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Such misinformation is not only unlawful but also damaging to my credit standing. If this error is not corected promptly, I will have no choice but to seek legal action to ensure the accuracy of my consumer report. 

I trust that you will address this matter with the urgency and attention it warants. Thank you for your prompt cooperation. I expect a prompt response to this dispute within 15 days, in accordance with the timeframe stipulated by the Fair Debt Collection Practices Act. Failure to provide adequate verification or to rectify any inaccuracies may result in further legal action.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX : Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (MD)

On XX/XX/XXXX I sold my property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX. The mortgage company was supposed to issue a refund check amounting to {$2600.00}. It has been more than 20 days and the mortgage company keeps giving me running around about the refund. The name of mortgage company is Specialized Loan Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I noticed unauthorized accounts on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2019-01-17
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: American Credit Acceptance, LLC (NC)

This company is reporting to the credit bureaus inaccurately. I was given a deferment in XXXX for the months of XXXX and XXXX. Then they reported to the bureau that I was 60 days past due causing my credit score to go down. I was not 60 days past due once the deferment hit I was told it would correct my account and it did not it only updated to show that I was current. I want the 60 day past due to be removed as I paid my account up in full in XXXX and then again ontime for ongoing payments in XXXX. I have always kept my account in good standing and I want this corrected ASAP this is ruining my credit. 

XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-11-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (TN)

On XX/XX/XXXX I was sent a guaranteed Preapproval Letter from Amerisave In The Amount of {$100000.00}. On A Taped Call I Authorized XXXX XXXX the loan officer to Only charge my credit card a One time Credit report fee of {$18.00} One Day later Not Only Did My Preapproval drop to {$80000.00} XXXX XXXX had charged my credit card {$500.00} For NO known Reason. The only charge I authorized was {$18.00}. After filing with the XXXX XXXX XXXX I received a call from Amerisave sales manager XXXX XXXX. While On A Taped Line XXXX XXXX Could only confirm I was charged {$18.00} for my credit report. After going over my Preapproval docs the only charge that was stated before Closing was a Fee of {$29.00} for The very same credit report. XXXX XXXX Could NOT TELL ME WHY THEIR WAS A DISCRETION. I am in contact with my attorney as well as Legal for theft of service and fraud charges for the fee of {$500.00} as as damages
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

I completed the loan docs for the SAVE repayment for {$170.00} per month and how the repayment with Mohela is {$390.00}. Also to start in XXXX. 

I emailed the servicer twice with no response as of yet. 

Thank you, XXXX
Consumer complaint received 2018-07-23
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: EQUIFAX, INC. (MO)

I have contacted XXXX, Equifax, and XXXX  several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I
Consumer complaint received 2023-09-14
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. (VA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX  I asked XXXX investments to deposit my funds in my checking account at JP Morgan Chase Bank. I submitted the incorrect account number off by two digits and my money was deposited in a strangers Chase account. I notified Chase of this error they implied it was XXXX  mistake to contact them. Upon contacting XXXX whose bank is XXXX XXXX they said it was Chase mistake. 
Bottom line I still dont have my {$4200.00}. 
I even went so far as a three-way call between XXXX, Chase & I with no results of getting my money. Each company wanting to shift the blame. 
XXXX  case number is XXXX. 
Chase case number is XXXX. 
I continually reached out to XXXX and Chase throughout XXXX. 
I have not corresponded with either company since XX/XX/. The stress and frustration was too much. 
I would greatly appreciate your help in this matter, this is a substantial amount of money for me, and would help out since Im retired now. XXXX XXXX
Consumer complaint received 2023-12-20
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. (GA)

THIS IS XXXX XXXX AND I AM DISPUTING THE ACCURACY OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I AM REQUESTING THE DOCUMENTS UNDER OATH THAT GAVE THESE PERSONS PERMISSIBLE PURPOSE. DOCUMENTS BEARING MY SIGNATURE FOR CONSENT. I AM DEMANDING FOR XXXX, XXXX AND TRANSUNION TO STOP AND DESIST THE REPORTING OF THESE UNAUTHORIZED INQUIRIES IMMEDIATELY. 

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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (AL)

Subject : Urgent : Request for Correction of Credit Report - Compliance with Federal and UCC Laws Dear Midland Credit, I trust this communication finds you well. I am writing to express profound concerns about potential violations of both federal and Uniform Commercial Code ( UCC ) laws related to my investment with XXXX XXXX Bank, the original creditor, and the subsequent actions taken by Midland Credit, a third-party debt collector. 

As an investor, I provided XXXX XXXX Bank with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2. XXXX XXXX Bank, as the original creditor, is expected to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. 

Regarding Midland Credit, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. Given the discrepancies in my billing statements, it appears there might be a violation of UCC Article 9 ( 9-609 ) guidelines by Midland Credit . 

Moreover, UCC Article 9 ( 9-625 ) underscores the duty of a secured party, in this case, Midland Credit , to conduct a comprehensive investigation when an investor disputes the accuracy of information related to their account. To address concerns of security fraud, I insist on a thorough investigation into my account, including a XXXX audit. 

In the event of a XXXX audit, the auditor will have the capability to retrieve the CUSIP number associated with my security. This auditor will be able to scrutinize the financial details, including how much money XXXX XXXX Bank has generated from my security and its current valuation. 

Failure to promptly rectify these issues may result in further legal actions, including the involvement of the Internal Revenue Service ( IRS ) to ensure compliance with tax regulations. My primary objective is to resolve these matters amicably, and I firmly believe that a comprehensive and timely correction of my credit report is in the best interest of all parties involved. 

I kindly request the immediate correction of my credit report to accurately reflect a " paid as agreed, never late '' payment history, aligning with both federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements. 

I trust that both XXXX XXXX Bank and Midland Credit will take immediate, comprehensive steps to address these concerns to avoid further legal actions and to maintain the integrity of our business relationship.
Consumer complaint received 2023-10-29
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. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

As you can see by attached proof from XXXX XXXX, I've made XXXX payments on time over the last XXXX months and my current balance is reflected as XX/XX/2024 was XXXX... XXXX XXXX had an issue on their end and had to reset up plan in XXXX.. I've asked them multiple times to update my credit report as current and reflect current balance...