davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (ME)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-26
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. (MO)

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$840.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00}.
Consumer complaint received 2023-08-30
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. (IL)

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Factual Data XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-26
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)

I am writing to formally express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report through XXXX, Transunion and XXXX Credit Bureaus. Despite my numerous attempts over an extended period, these fraudulent entries persist, adversely affecting my credit standing and causing significant distress. 

The presence of these fraudulent items on my credit report not only poses a direct threat to my financial well-being but also raises serious concerns about the security and accuracy of the credit reporting process. I have attached supporting documentation for each attempt made to rectify this situation. 

I understand the importance of maintaining accurate credit information and the impact it has on my ability to access financial services. Therefore, I request your immediate attention and thorough investigation into the matter to rectify the fraudulent items on my credit report. 

Conduct a comprehensive review of my credit report to identify and rectify all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I trust that you recognize the urgency of this matter and its potential implications for my financial well-being. Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX Balance Owed : {$70000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$71000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$11000.00}.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (PA)

Subject : Formal Notification Regarding Disputed Account and Violation of FCRA Laws Dear Nordstrom Card Services, I am writing on behalf of my client, XXXX XXXX, who is currently seeking legal counsel regarding a credit card account that he believes does not belong to him. XXXX XXXX has made numerous requests for verification of this account, demonstrating his diligence and commitment to resolving this matter. Despite these efforts, Nordstrom has failed to provide satisfactory evidence confirming XXXX XXXX 's association with this account. 
Furthermore, XXXX XXXX has taken proactive steps to address this issue, including filing a complaint with the Federal Trade Commission ( FTC ) for suspected fraud. Despite his persistence in seeking resolution, Nordstrom has not adequately responded to XXXX XXXX 's inquiries and requests for verification. 
It is imperative to note that the handling of this account by Nordstrom is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623. The FCRA mandates that consumers have the right to accurate and verifiable information on their credit reports. 
Nordstrom 's failure to provide conclusive evidence of XXXX XXXX 's association with this account not only infringes upon his rights under the FCRA but also undermines the integrity of credit reporting practices. 
The presence of this disputed account has caused significant harm to XXXX XXXX 's personal credit and financial standing. As such, we are exploring all legal avenues to address this matter promptly and effectively. However, we remain open to resolving this issue amicably and expeditiously. 
We urge Nordstrom to take immediate action to rectify this situation and provide the necessary documentation to confirm or refute XXXX XXXX 's association with the disputed account. Failure to do so may result in further legal action, including the pursuit of civil remedies. 
We appreciate your prompt attention to this matter and request that you contact us at your earliest convenience to discuss a resolution. Your cooperation in resolving this dispute is crucial to ensuring compliance with applicable laws and protecting the rights of consumers. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (FL)

I purchased this vehicle with about XXXX miles on the odometer and it has had multiple problems and repairs. I had tried to invoke the manufacturers warranty but was told the vehicle did not qualify. I looked up the data regarding the factory warranty and it didn't match what i was being told by multiple XXXX dealerships. The vehicle is in such bad shape at this point it would require thousands of dollars in repairs to make it road worthy. It was deemed not safe by the dealer that it is at right now. I still have to make payments on this vehicle despite all this. The company that sold me the car has threatened to ruin my credit if they are forced to take it back. I am unsure of what to do at this point.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my follow-up request to my previous complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-12-26
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. (CA)

XXXX has violated my federally protected consumer rights under the Fair Credit Reporting Act. They have violated my rights by furnishing transaction details [ 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) between the person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) and consumer ( me ) without my prior consent, pursuant to Title 15 U.S.C. 1681b ( 2 ). According to Title 15 U.S.C. 1681c ( 5 ), " no consumer reporting agency may report any consumer report containing any adverse item of information, other than records of conviction of crime '', yet they furnished negative item transactions on my report on a disputed debt. By violating 15 U.S.C. 1682b permissible purposes and 15 U.S.C. 1681c information contained in consumer reports, they have violated compliance procedures under 15 U.S.C. 1681e. XXXX  has willfully violated my consumer rights and is liable to civil suit under 15 U.S.C. 1681n. They are also liable to civil liability for negligent noncompliance under 15 U.S.C. 1681o.
Consumer complaint received 2023-12-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : XXXX XXXX XXXX XXXX. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history. I am aware that XXXX has already addressed and corrected this issue by removing the account from their records. They acknowledged the presence of an error and promptly rectified it. I am perplexed as to how this discrepancy has not been similarly resolved by your bureau. I expect your bureau to adhere to the Fair Credit Reporting Act ( FCRA ) by conducting a comprehensive investigation into this dispute. Please provide me with written confirmation of the results of your investigation and the actions taken to rectify this matter.
Consumer complaint received 2023-11-01
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. (AR)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-26
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. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope this letter finds you well. I am writing to express my concerns regarding the ability of credit bureaus to accurately determine whether a client is a victim of identity theft. While I understand that credit bureaus play a crucial role in maintaining the integrity of credit reporting, it is essential to acknowledge that there are certain limitations in identifying identity theft solely through traditional credit monitoring processes. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

Identity theft is a pervasive problem in our digital age, and its methods are becoming increasingly sophisticated. Despite the best efforts of credit bureaus to detect suspicious activities and protect consumers, there are several reasons why it can be challenging to definitively determine whether a client has fallen victim to identity theft : XXXX XXXX  XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I believe it is essential for credit bureaus to acknowledge these limitations and explore more robust and proactive measures to protect consumers from identity theft. These measures could include increased data sharing and collaboration among financial institutions, more comprehensive identity verification processes, and enhanced monitoring for non-financial forms of identity theft. 

In conclusion, while credit bureaus play a vital role in the financial ecosystem, it is important to recognize the inherent challenges in definitively determining whether a client is a victim of identity theft solely through traditional credit monitoring processes. I urge you to consider these limitations seriously and work towards developing more effective strategies to protect consumers from the ever-evolving threat of identity theft.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (TX)

XX/XX/2024 An escrow analysis was completed on XX/XX/2024 indicating an escrow surplus in the amount of {$530.00}. Delivery was expected to take 3 to 5 business days via USPS standard delivery. The check did not arrive. 

XX/XX/2024 I contacted the loan servicer to determine the whereabouts of the escrow surplus check. The company claimed the check was mailed but could not provide proof. The company indicated they cancelled the check and would issue another check. I was told to expect a new check on or before XX/XX/XXXX. The check did not arrive. 

XX/XX/2024 I contacted the loan servicer to determine the whereabouts of the escrow surplus check. The company claimed that the check has been processed and would be mailed on XX/XX/XXXX and I would receive it on or before XX/XX/XXXX. The company could provide no proof of that claim. The check did not arrive. 

XX/XX/2024 I contacted the loan services to determine the whereabouts of the escrow surplus check. I was told that another escrow analysis was done on XX/XX/XXXX and that the escrow surplus was redeposited to cover an estimated escrow shortfall. The company did not communicate that to me beforehand and I can find no proof of that redeposit and disbursement in any of the documents I have regarding my mortgage escrow account. 

The company does not follow through with promises it made to contact me by phone or email. The company does not transparently answer questions about the handling of escrow accounts. I am very concerned that the company is not following the law or generally accepted procedures with respect to the management of my mortgage escrow account.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is 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 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc. (CA)

I have attempted to contact the fraud department several times with the UpStart Loan company to report a personal loan that was taken out under my name and information, however I have not received any calls back despite attempting to contact them. I have spoken directly to customer service representatives on XX/XX/23 and XX/XX/23 who advised I would receive a call back, but have not been contacted at this time.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX is reporting on Experian that I was late on the following dates XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19. That information is incorrect. I paid on time on all those dates.