davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (TN)

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 # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 16815-2 ( 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. 

Also I have observed discrepancies in the reporting of the same account by TransUnion and XXXX. TransUnion lists the account status as open, while XXXX reports it as closed. This conflicting information is causing confusion and potentially impacting my credit score unfairly. 

Furthermore, there are discrepancies in the last activity dates reported by TransUnion and XXXX for the same account. TransUnion 's last activity date is listed as XX/XX/XXXX, which appears to have been re-dated, while XXXX shows the last activity date as XX/XX/XXXX. These inconsistencies raise concerns about the accuracy and reliability of the information being reported by XXXX XXXX.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TN)

I have exerted efforts to communicate with the company on multiple occasions ; including, filing complaints with the XXXX XXXX XXXX and possibly the State Regulatory Board. I have sent letters by mail and recently sent certified mail as well.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (CA)

I called on XX/XX/24 to check the status of my credit protection and the agent let me know that the doctor didn't sign the forms for both credit cards and XXXX # is missing. TO DATE none of the forms i submitted had a XXXX number and was apporoved. Also the DOCTOR DID sign the XXXX form forvmy milestone ( see attachment )
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Delete this account.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX. I mailed my FTC report and my license to Experian, XXXX, and XXXX. I will be filing a civil suit about fraudulent information reporting on my consumer reports.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am a victim of identity theft. I have inaccurate information on my credit report that does not belong to me. I sent my letters and the FTC report to the credit bureau, and they do not want to remove the accounts that do not belong to me Equifax report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is 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 2024-01-15
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. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

A couple years ago had identity theft and fraud. XX/XX/XXXX of XXXX. I witnessed a horrific accident that took my XXXX childs life. It is messed me up mentally but for the past 8 to 10 months I have been trying to battle XXXX  updates my credit and let me print it off regularly. Because I have gotten a lot of stuff off my credit but XXXX XXXX and Equifax will not update my credit report unless I pay {$24.00}. I guess its a monthly fee or something. My credit report has not updated since XX/XX/XXXX of XXXX. There is numerous addresses, Social Security numbers and accounts that are not mine that I am trying to get removed because I need a vehicle so I can go to my doctors I do not have one. I can not get to my doctors. This is causing health problems and if I do not get to the doctors, it will cause problems with my XXXX. These companies are playing with peoples lives and Im very upset because I can not refinance my house because they will not release my credit. Theyre holding it as ransom that is illegal. I want to sue them because they cant keep picking on the little people. I have called them. I have updated the information theyve asked me to and they say its not me. Its just plain XXXX. I want my credit fixed, and I want to sue them.
Consumer complaint received 2024-01-15
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. (LA)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments tor the accounts that i have included screenshot inside this complaint in on dates of [ Mo/yr ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

I opened a credit card with XXXX XXXX in XXXX. The account shows delinquency that is over XXXX years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last two years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is XXXX XXXX XXXX and paid. This is in clear violation of 15 USC1666b, 15 USC 1601, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (CA)

Appears that two credit cards were opened from XXXX XXXX using may name. 

These cards were opened in XX/XX/year>. 

I was never notified nor did these cards show on my report previously. 

Now both these cards in collections! 

This is messing with my ability to receive credit. Please remove both cards from all my credit reports.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-04-29
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. (PA)

Since XXXX, my personal loan with XXXX XXXX XXXX has been settled for less than full balance, with my final payment being in XXXX. I have called numerous times since XXXX and spoke with multiple supervisors who acknowledged that the account is closed. I am still receiving payment reminders from XXXX as well as credit bureaus being sent incorrect information. XXXX is reflecting a full balance, which I no longer owe, and are reflecting payments that are missed from the account that should be closed. A supervisor provided me with the document I will attach that shows my account should be closed as of XX/XX/year>.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Duplicating the same debt on my credit reports twice is illegal the original creditor sold the debt on ( XX/XX/2017 ) it was charged off and closed but yet they are still reporting the debt as well as the collection agency that they sold it to, the amount that is being reported is {$970.00}. I don't owe the collection agency because I have not signed any contractual contract binding me to pay this debt off with the collection agency. And sending me a Bill statement isn't justification of a contract.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-01-15
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 hope this communication finds you well. I am writing to express my deep concern and frustration with the unsuccessful attempts to remove fraudulent items from my account with Credit Bureuas. Despite multiple efforts to address this issue, the resolution process has proven to be challenging and unproductive. 

I discovered unauthorized and fraudulent transactions on my account, which has caused significant distress and inconvenience. Since then, I have been diligently working to rectify this matter by contacting your customer service department. Regrettably, each attempt to resolve the issue has been met with limited success. 

I understand that fraud-related matters require thorough investigation, and I appreciate your commitment to addressing such concerns. However, the lack of progress and effective communication has left me feeling dissatisfied and vulnerable. 

I kindly request the following actions to be taken promptly : A comprehensive and expedited investigation into the fraudulent items on my account. 
Clear and transparent communication about the steps being taken to address and rectify the fraudulent transactions. 
Timely removal of the fraudulent items and restoration of my account to its rightful state. 
I expect a resolution to this matter withinthe exact timeframe from the date of receipt of this letter. It is crucial that the necessary measures are taken to ensure the security of my account and to prevent any further unauthorized transactions. 

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel. 

I trust that your organization takes matters of fraud seriously, and I appreciate your immediate attention to this pressing concern. 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 Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

In XX/XX/XXXX, Flagstar Bank contacted the undersigned again, insisting that we owe about {$3600.00} for a one-year gap in the HOI policy. Before this, an exchange of information took place where the following was proven : 1 ) Flagstar continued to bill us HOI insurance on the monthly mortgage from XX/XX/XXXX onwards and through XXXX and XXXX ; that is shown on all monthly bank statements issued for those years. In a few words, they collected the money from us and did not pay the HOI provider, which is XXXX XXXX XXXX in Florida ; XXXX ) Flagstar wrote on or about XX/XX/XXXX that they were conducting an " internal research investigation '' about what happened. This is after I spent at least 20 person-hours over two months dealing with their idiotic and hopeless customer service line. I could never reach the same agent I had spoken to o the previous calls and no calls were ever returned to me at my number. The drop rate for my calls was 1 out of 3, and the average wait time was well over 30 minutes per call. The result was an endless charade of time-wasting telephone calls, and nothing was accomplished. The company had been cited and fined over {$100.00} XXXX in XXXX for these illegal practices, which amount to customer fraud and abuse ; XXXX ) In XX/XX/XXXX, Flagstar sent us ( the terms " us '' and " we '' here in after XXXX XXXX, XXXX XXXX, the mortgage holders ) a mortgage statement stating that our mortgage payments would increase by {$500.00} per month to cover the " lag '' in insurance. They also indicated that they had received a bill from XXXX for $ XXXX representing the costs charged ; XXXX ) We checked with XXXX and have an existing policy covering us through XX/XX/XXXX. THE CLAIM THAT CITIZENS HAVE MADE CONCERNING A BILL FOR INSURANCE ATTRIBUTABLE TO CITIZENS FOR THE $ XXXX HAS BEEN DENIED BY XXXX  NO SUCH CLAIM WAS EVER FILED WITH FLAGSTAR. IN A FEW WORDS, THIS IS FRAUD.

5 ) We are prepared to document all of the above. Further, the record will show that we have pre-paid the mortgage at least two months in advance from its inception. There is no denial here ; 6 ) Flagstar has not complied with any consumer disclosure, nor has it addressed the " hardship '' issues caused by its actions. We can not afford this type of increase for their actions, which have no legal standing. Flagstar conducts business today virtually identical to what they did to XXXX mortgage holders foreclosed on in the XXXX lawsuits. All the rest is a matter of record and has already been published ; XXXX ) To date ( XX/XX/XXXX ), we have not had a written or verbal reply from Flagstar on the above. We request immediate action and relief to avoid damage to our credit records. Both of us have credit scores above XXXX. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX. We will retrieve all documents to date, scan them, and send them to you on or before XX/XX/XXXX.
Consumer complaint received 2024-04-29
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. (PA)

Since XXXX, my personal loan with XXXX XXXX XXXX has been settled for less than full balance, with my final payment being in XXXX. I have called numerous times since XXXX and spoke with multiple supervisors who acknowledged that the account is closed. I am still receiving payment reminders from XXXX as well as credit bureaus being sent incorrect information. XXXX is reflecting a full balance, which I no longer owe, and are reflecting payments that are missed from the account that should be closed. A supervisor provided me with the document I will attach that shows my account should be closed as of XX/XX/year>.