davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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. (TX)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681 - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. XXXX information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTCT the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. XXXX XXXX XXXX XXXX ( XXXX XXXX ), they may be liable for false reporting. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I will be filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XXXX XXXX XXXX : I received an email sent by an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, asked me to clarify some of the details listed on my original application, " if you have any affiliation with a XXXX XXXX ''. 
I responded " No '' because I don't know this person or any connection with that person On XX/XX/ : I received a further inquires from above XXXX, asked me my funding source, " please clarify in detail why would funds originate from the XXXX if you live and work in XXXX '' I responded that the money is from my other bank accounts with XXXX XXXX XXXX XXXX XXXX XXXX salary Wired from XXXX. 

On XXXX XXXX XXXX, I contacted HSBC XXXX XXXX XXXX XXXX via phone, the customer services told me they will call me back, but no callback or email response. 
On XXXX XXXX XXXX, I found all my accounts are closed.
Consumer complaint received 2024-04-24
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-04-24
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. (IL)

PLEASE BLOCKED AND REMOVED.

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (TX)

I am writing to express my frustration and disappointment with the repeated and unsuccessful attempts to correct the late opening of my accounts with your institution. Despite multiple requests for resolution, the issue remains unresolved, and I find the level ofservice provided thus far to be unacceptable. I initiated the process to open several accounts with your institution. However, due to unforeseen circumstances, these accounts were not opened in a timely manner. Since then, I have made numerous attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and following the procedures outlined by your institution. Regrettably, each attempt to correct the late opening of my accounts has been met with inefficiencies, delays, and a lack of concrete solutions. The continuous oversight of this matter has not only caused inconvenience but has also led to a loss of trust in your institution 's ability to handle customer concerns effectively. There has been a significant delay in communication regarding the status of my account opening requests. Timely updates are crucial in maintaining customer confidence. I have received conflicting information from different representatives, leading to confusion and frustration on my part. Consistency in communication is essential for a seamless resolution process. Despite assurances of follow-up, there has been a lack of proactive communication and action on your end to ensure the prompt resolution of my concerns. I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of a satisfactory resolution are concerning. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. I am requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in the account opening process. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-01-05
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A, States i have the right to privacy. 15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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 my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX # XXXX 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
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

I took out private tuition answer student loans from XXXX XXXX from XXXX when I went to School of the XXXX XXXX of XXXX. These loans are now serviced by Navient. They have been charged off since XXXX. I was n't able to pay the XXXX monthly payments and the servicer gave me no options but to default on the loan. Now the loans have more than doubled in interest and fees with in a two year period. Also Navient continues to report this on my credit report with erroneous information. The closing date and the last payment made is false, illegally extending the statue of limitation on the account. This company is a predatory lender and their collection tactics are abusive and illegal. I ca n't even get I loan statement that describes these fees and interest. The fees and interest they have added to this account are exorbitant. I plead that the CFPB take legal action against this consumer predator Navient.
Consumer complaint received 2023-09-24
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: EQUIFAX, INC. (PA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (OH)

We sold our home earlier this year and was waiting for a large refund check from the home owners insurance company. We fought for 3 months to receive the check ( wrong name used, wrong address used ). We finally received the corrected check on XX/XX/XXXX ( attached check stub ). We went to the bank, Huntington, to deposit the check. My husband endorsed the check and the teller wrote his drivers license number on the check ( deposit slip attached ) There was a hold on the check due to the amount. On XX/XX/XXXX I received an email stating the release was lifted from the check ( copy of email attached ). I tried to log into online banking to confirm before setting up the bill payments. I was locked out of the account. I called Huntington and was referred to speak to the hold department because my account had been closed due to fraudulent activity. I called the number given and was told a check will be issued to what funds I had in the account. And my account was closed due to depositing a fraud check. They said I had to wait for the check and letter in the mail. They would not tell me anything else. They would not tell me who I could speak to about the issue. I called XX/XX/XXXX. I called the Home owners Insurance company ( XXXX ) who issued the check. I was told I needed to speak to a XXXX or team lead to be able to get any details. I called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX was finally able to speak to a team lead on XX/XX/XXXX. She confirmed the check that we received. She confirmed the funds cleared their bank oXXXX XXXX XXXX ( the same day we deposited the check ). She confirmed the name and drivers license numbers written on the cancelled check. She asked me to try to call Huntington again to see when they would release the funds back to them. I called. The young lady I spoke with was very nice but unable to answer many questions due to the fact that my account was forcibly closed. There is no known date of when the funds will be returned to XXXX. There is no known date of when the letter and check will be mailed to me. It may take up to 90 days. And due to the forcible closing of the account, I can never have a Huntington account with them again. ( which brought up another issue of them blocking me with other banks or even affecting my credit score ). She was unable to give a letter or explanation. I called XXXX back and updated her on what I was told. She was working with accounting to determine if the funds were ever sent back to XXXX. I asked her to send me a copy of the check so I could forward to you ( attached ). We are buying a new home and so I called my banker to inform him of this mess. He referred me to CFPB. I still have not received a call, email or letter from Huntington concerning this issue.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

I rented a car for XXXX day from XXXXXXXX XXXX XXXX company in XX/XX/202. They charged me for XXXX days although I returned the car within the allotted time and have a photo that proves it. I disputed that amount. Chase denied my claim in a XXXX letter and reversed the charge-back saying that the services were received or available for use. I appealed. They denied the appeal on XXXX XXXX saying that the merchant had provided me with the services. When I called, they said too much time had elapsed and there was nothing they could do. However, they shouldnt have denied the XXXX  dispute given that I had proof.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

collection account number : XXXX balance amount : {$350.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balance amount : {$390.00} XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$440.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balanced amount : {$330.00} XXXX XXXX  XXXX account number : XXXX balance amount : {$380.00} opened : XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$990.00} XXXX XXXX account number : XXXX balance amount : {$350.00} opened : XX/XX/XXXX 15 U.S.C 1681Q, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Under 15 USC 1681B, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 
These companies have refused to do work on disputes even though they're required by the law to do so.