davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXXXXXX is reporting 2 account for XXXX XXXX opened back in XXXX XXXX.

One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open 2 account same day and validation of the debt, I did the claim over the phone and also by mail. 
I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not one has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come 2 accounts was opened under my name same day and I was only aware about 1 account, even XXXX XXXX Retail Store confirmed that in their system show I have 1 account in good stand they are fail to provide any information.

I am requesting proof of the 2 credit applications with validation of the debt and any documents relate to those 2 accounts or t
hey need to delete the second account.
Consumer complaint received 2024-04-23
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)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting 2 account for XXXX XXXX opened back in XXXX XXXX. 
One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open 2 account same day and validation of the debt, I did the claim over the phone and also by mail.

I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not one has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come 2 accounts was opened under my name same day and I was only aware about 1 account, even XXXX XXXX XXXX XXXX confirmed that in their system show I have 1 account in good stand they are fail to provide any information.

I am requesting proof of the 2 credit applications with validation of the debt and any documents relate to those 2 account
s or they need to delete the second account.
Consumer complaint received 2023-05-01
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

In XX/XX/2023 I faxed information to Pennymac to change my homeowners insurance policy company, from XXXX to XXXX. Shortly after I received a letter from XXXX, which is my new homeowners insurance, stating that they would cancel my policy because Pennymac had not responded. I called Pennymac again and was told to upload it to the message center on their website, so I did. I called a few weeks later and they still had not updated my homeowners insurance policy. So again I uploaded my information. Somehow I am XXXX on my escrow account so today, XX/XX/2023 I jumped on the website to see what was going on and they still had not updated my homeowners insurance. I called and they told me I had not uploaded anything. After finally being able to update my insurance information they told me I would have to call XXXX to get the money back that they have been paying them for 2 months, even though I had cancelled the policy. I fail to see how this is my responsibility when I have done my due diligence to correct this information. The lady told me that the stuff that is uploaded to the message center is sent to customer service. If thats true why was I even told to upload it there if it doesnt get to the correct place! I was so frustrated I still dont know why I am XXXX in my escrow! How can you trust a company that cant even get your insurance information updated in a timely manner?
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

Chime has frozen my account and is refusing to accept the documents I sent now requesting bank statements which I can't access because they were my only banking account and it's frozen, I have over 8000 in that account and no access to it also my social security check is deposited in that account
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: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-23
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)

In the fall of XXXX, I disputed a collection account posted by XXXX XXXX XXXX on both XXXX and Trans Union. After 30 days, the collection account was deleted. Either XXXX XXXX XXXX did not timely respond or agreed to remove it, However with the next reporting cycle, the collection account reappeared, I notified both Trans Union and XXXX. XXXX blocked the collection account from reappearing but Trans Union did not and did not explain why, Please note that in XXXX, I sued Trans Union for the exact same issue, therefore this issue apparently has never been fixed with there system.? the lawsuit was filed in the NDTX and was settled in my favor with a payment to me. 

The underlying account was for a lawn service by a company that promised certain things and failed to deliver so we fired them. We use a different service now and have for awhile,
Consumer complaint received 2023-12-27
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. (TX)

Trans Union is reporting inquiries that are not authorized. I have provided letters from the actual companies and the inquiries have not been removed. 

XXXX XXXX XXXX ( unauthorized ) XXXX XXXX XXXX XXXXXX/XX/2023 ( agreed to remove due to unauthorized credit pull XXXX XXXX XXXX XXXX converted hard inquiry to soft pull The following were disputed via CFBP and Company agreed to remove but Trans Union is still reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (PA)

I am sending this letter to your agency to dispute information on my credit report due to the accounts that were opened fraudulently under my name. 

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 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (IN)

My checking account is through skylight netspend account. For some reason my card got hacked ( transactions from XXXX ) and of course I disputed it! They told me it will take 10 business days for me to get an update or provisional credit. I call for an update and now theyre saying that due to me not sending an letter of dispute ( Which was never told to me as a step that was needed ) I have to wait until XXXX for an update on my account! I have bills and everything that Im falling behind on because some one hacked my card! I didnt lose it, and I didnt give out information. I even spoke to a supervisor to see if I can send the letter now due to me being told misinformation so I can get my money as fast as possible and they basically said Im XXXX until XXXX of this year. This happened in XXXX so this is a 3 month time frame for something that ruined my life in a matter of a day. My landlord doesnt care that my card got hacked! I have fees for not being able to pay my bills! This is such a ridiculous way to do business! Especially if you see on your systems that I was told incorrectly!
Consumer complaint received 2023-09-26
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. (IN)

AFFIDAVIT OF TRUTH CREDIT REPORT DISPUTE & IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN/TIN XXXX XXXX XXXX XXXX have written this affidavit pursuant to Title 15 UNITED STATES CODE 1681a Definition ; rules of construction to dispute furnished information that is identified as falsely reported without XXXX XXXX XXXX written permission on a credit report with your agency that bears XXXX XXXX XXXX personal and private information . XXXX XXXX XXXX as the private identified person request that you provided the following : Proof of Claim. That XXXX XXXX XXXX gave your agency written permission to create a report using my personal and private information. ( Title 15 UNITED STATES CODE 1681b Permissible Purpose of consumer reports ) Proof of Claim. That your agency has not taken XXXX XXXX XXXX personal and private information and sold it for profit to a third party. ( Title 15 UNITED STATES CODE 1681c-1 Identity Theft Prevention ; Fraud alerts and XXXX XXXX alerts ) Proof of Claim. That your agency did not obtain XXXX XXXX XXXX personal and private information to report negative data to disable and/or prevent XXXX XXXX XXXX from obtaining credit as a consumer. ( Title 15 UNITED STATES CODE 1681q Obtaining Information under false pretenses ) Proof of Claim. That your agency is the sole furnisher of XXXX XXXX XXXX personal and private information ; if not, XXXX XXXX XXXX request that your agency provide the name and address of the agency that provided your agency with XXXX XXXX XXXX personal and private information. ( Title 15 UNITED STATES CODE 1681s-2 Responsibility of furnisher of information to consumer reporting agencies ) Due to the time-sensitive nature of this affidavit, under necessity, you are to respond with Proof of Claim within ten ( 10 ) days plus three ( 3 ) days grace granted by return service by certified priority mail to principal address. 

Should you fail or refuse by non-response to this affidavit within the time frame specified, general acquiescence and acceptance will be taking on your agency part as formally exercise and performed pursuant to your agency silence and dishonor ; there for your agency accept and recognize Title 7 UNITED STATES CODE 13 ( a ) ( 4 ) and shall be reliable for a maximum fine of XXXX XXXX dollars ( {>= $1,000,000} ) for each violation.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-27
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello these companies has been reporting fraudulent accounts. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
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)

AFFIDAVIT OF TRUTH CREDIT REPORT DISPUTE & IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN/TIN XXXX XXXX XXXX XXXX have written this affidavit pursuant to Title 15 UNITED STATES CODE 1681a Definition ; rules of construction to dispute furnished information that is identified as falsely reported without XXXX XXXX XXXX written permission on a credit report with your agency that bears XXXX XXXX XXXX personal and private information . XXXX XXXX XXXX as the private identified person request that you provided the following : Proof of Claim. That XXXX XXXX XXXX gave your agency written permission to create a report using my personal and private information. ( Title 15 UNITED STATES CODE 1681b Permissible Purpose of consumer reports ) Proof of Claim. That your agency has not taken XXXX XXXX XXXX personal and private information and sold it for profit to a third party. ( Title 15 UNITED STATES CODE 1681c-1 Identity Theft Prevention ; Fraud alerts and XXXX XXXX alerts ) Proof of Claim. That your agency did not obtain XXXX XXXX XXXX personal and private information to report negative data to disable and/or prevent XXXX XXXX XXXX from obtaining credit as a consumer. ( Title 15 UNITED STATES CODE 1681q Obtaining Information under false pretenses ) Proof of Claim. That your agency is the sole furnisher of XXXX XXXX XXXX personal and private information ; if not, XXXX XXXX XXXX request that your agency provide the name and address of the agency that provided your agency with XXXX XXXX XXXX personal and private information. ( Title 15 UNITED STATES CODE 1681s-2 Responsibility of furnisher of information to consumer reporting agencies ) Due to the time-sensitive nature of this affidavit, under necessity, you are to respond with Proof of Claim within ten ( 10 ) days plus three ( 3 ) days grace granted by return service by certified priority mail to principal address. 

Should you fail or refuse by non-response to this affidavit within the time frame specified, general acquiescence and acceptance will be taking on your agency part as formally exercise and performed pursuant to your agency silence and dishonor ; there for your agency accept and recognize Title 7 UNITED STATES CODE 13 ( a ) ( 4 ) and shall be reliable for a maximum fine of XXXX XXXX dollars ( {>= $1,000,000} ) for each violation.
Consumer complaint received 2023-07-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XX/XX/XXXXXXXX XXXX has a collection for {$420.00}. I canceled them because they were too high and I got XX/XX/XXXX I have contacted both but its still on my credit report. I disputed and they dont investigate. They always believe the perpetrators.