davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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)

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 NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXX  XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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. (MS)

I've requested Equifax to remove all blocks and fraud alerts from my credit reports via letters and fax, but haven't received a response. It's urgent that these blocks be removed promptly as I do not wish to have my credit reports blocked.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-12-01
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. (CA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong addresses XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inaccurate employment
Consumer complaint received 2021-02-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp. (PR)

A credit thief went to a car dealer in XXXX  Alabama, impersonated me and took out an over {$44000.00} XXXX  under my name, financed it with SE XXXX  Finance DBA OF WOFC ( account # XXXX ) and is not making the monthly payments on it. I complained to the credit companies on another case and found that this company also reported a new account on my name.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX ACCOUNT NUMBER : XXXX IS A FRAUD ACCOUNT OPENED WITHOUT MY KNOWLEDGE. 
WHY THIS FRAUD ACCOUNT STILL SHOWING OPEN. 

THIS FRAUD ACCOUNT HAS A BALANCE OF {$29000.00} WHICH IS INACCURATE THIS CLOSED ACCOUNT IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2024-01-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1666b. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX Account number:XXXX Account Name XXXX XXXX XXXX Account numberXXXX Account Name : XXXX XXXX XXXX XXXX Account numberXXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name XXXX XXXX Account number : XXXX 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-03-21
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

I called to increase my credit limit from {$700.00} to {$5000.00}. They refused because they had gone in manually increased the limit by {$200.00} without my knowledge within the last 30 days. Citibank Drive card is the company that did this without my knowledge.

It is absolutely wrong what they have done and now refuse to do. 

Their phone number is : XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

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 2024-04-27
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. (AZ)

I have been a victim of identity theft, I made XXXX, TransUnion and XXXX aware of this since XXXX of XXXX. They Have ignored my notices and request to remove the fraud from my consumer report. The 30-day and 60-day time frame for a reasonable investigation as past. If items can not be verified within 30 days it must be removed. failure to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ), debt collectors are required to validate debts when requested by the consumer. Also 15 USC 1681 c- 2 they must block all item that came from fraud in 4 business days which has also passed. I am requesting all Items be deleted immediately. I demand that the following account be verified or removed immediately : XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BUY/CBNA Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (MD)

Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby requested. I request that you present my original WET ink Signature Promissory Note and original WET ink Deed of Trust for visual inspection for authentication and verification.

This is not an overboard request. Banks are known for forging signatures and that's why I need originals for verification.

A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.
Consumer complaint received 2024-06-19
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of XXXX XXXX. 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 XXXX XXXX. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-12
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 : {$0.00}
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

Summary of Bank of America Credit Card XXXX XXXX XXXX ) Claim XXXX {$9000.00} Claim Denied on XXXX XXXX and XX/XX/2023 XXXX ) Claim XXXX XXXX {$10000.00} Claim Initially Denied on XX/XX/2023 and subsequently approved and resolved in my favor I have been a customer of Bank of America XXXX BOA ) for 36 years with XXXX credit cards and a checking account. On XX/XX/2023 BOA informed me that they had transferred {$10000.00} from XXXX credit card and {$9000.00} from the other one to a XXXX XXXX account. I immediately called BOA to inform them that I had not authorized the transactions and that I did not own a XXXX XXXX account. They opened XXXX separate investigations, XXXX for each credit card. 

On XX/XX/2023 BOA sent me a notification stating that they were unable to pay my {$9000.00} claim due to their assertion that The charge was made by you or made you or made by someone who has permission to use the card or account. 

On XXXX XXXX BOA sent a similar notification that they also were unable to approve my {$10000.00} claim because We confirmed that the charge on your account on your card either covered an overdraft on your linked deposit account as part of your XXXX XXXX for overdraft protection or was a balance that went directly into an account in your name. 

Upon receipt of the denial letters, I called BOA called again to dispute their contention that the transfers were authorized by me or someone who has permission to use the cards or that the balance went directly into an account in my name. I also called XXXX XXXX and they confirmed that I have no accounts with them. XXXX XXXX stated that they could not trace what account that the funds went into based only on the last XXXX digits of the account. Only BOA knows the full account number that they transferred the funds into. It is not an account that belongs to me. 

I suggested to BOA that theywork with XXXX XXXX to track the funds. BOA agreed to reopen the investigations. On XX/XX/2023 BOA sent me a letter stating my {$10000.00} claim was resolved in my favor. The {$10000.00} has been restored to my account. Another BOA letter sent on the same day stated that BOA was unable to approve the {$9000.00} claim. The reason for BOAs position was unchanged which stated The charge was made by you or made you or made by someone who has permission to use the card or account. 

I called BOA Claims Resolution to appeal the {$9000.00} denial. They agreed to re-open the investigation but have done nothing further. The investigation has apparently been put into hibernation. I have had XXXX to XXXX phone calls to BOA Claims Department staff. I have been consistently informed that BOA has no explanation or documentation that supports the claim denial that they are willing and able to share. I was informed by BOA claim staff that they do not know why the {$10000.00} claim was resolved in my favor and the {$9000.00} claims was denied. Neither do I. 

XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I was in the process of getting a mortgage in XX/XX/2023 when we discovered a charged-off account listed on my XXXX credit report, as well as a collection for said account. I started a dispute on the credit card account through XXXX as well as contacted Bank of America to get verification that the account was not mine. After XXXX phone calls with Bank of America , they were never able to link the account to me after providing my personal information such as social, addresses, account numbers, etc. The charged-off account shows a similarly spelled name, a different middle initial, and the same last name as mine. Also, the account populated a Texas  address on my credit report, and I have always lived in XXXX. All of my accounts and records reflect that. Now I show a charged-off account through Bank of America , as well as a collection on my XXXX report that is affecting my credit adversely. XXXX did its job investigating the discrepancy, but the dispute came back the same since whoever they dealt with at Bank of America did not take the time to look into it any deeper. I am at a point of frustration with them considering I have my checking, savings, and credit card that are all in good standing with them.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Fifth Third Bank collected payments from me for two years on an auto loan without completing the sale by securing a title from the dealership and recording a lien to have a security interest on the vehicle. 

Due to no title transfer, I canceled the contract under C.R.S. 4-2-601 ( a ). and deducted damages under U.C.C. 2-717 by legally stopping payment as I did not own the vehicle. 

Unless and until a buyer receives certificate of title duly transferred in accordance with Colorado law, the buyer does not acquire any right, title, or interest in and to a motor or off-highway vehicle purchased by the purchaser or transferee. C.R.S. 42-6-109 ( 1 ). 

Fifth Third Bank acknowledged receipt of my XX/XX/2021 revocation of acceptance/cancelation letter and placed a cease and desist on my account. 

XX/XX/2021, the issue was resolved as Fifth Third Bank had the dealership buy back the account due to their Breach of Contract. I received a letter of apology but was denied my refund demand. 

I received a call from the bank and was told the account would be closed and the tradeline would be removed from my credit report. 

Upon closing my account Fifth Third Bank reported it as 90 days delinquent prior to close in retaliation for my legally withholding payment which violates the Fair Credit Report Act as the bank confirmed receipt of my cancelation and deduction of damages notices. 

For two years they have been inaccurately reporting which has damaged my credit and ability to finance a home. I have the recorded call stating the tradeline would be removed as evidence but when reporting this to the credit bureaus I was told they can only receive written evidence. 

I contacted the bank and they sent me a letter stating the account is being reported accurately. They refused to honor the verbal contract to remove the account and unlawfully reported 90-day delinquency. As well as refused to issue a rightfully owed refund.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX