davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (FL)

I have tried to get these hard inquiries off of my credit report because I did not authorize them. I tried on multiple occasions to get TransUnion, XXXX and XXXX to remove these unauthorized claims from my account. This is what I submitted to them. Notice of Dispute, Intent to Litigate for Impermissible Credit Pull.

I recently pulled a copy of my consumer report and I notice inquiries that I did not authorize. 

The fair credit reporting act says that the only permissible purpose for pulling someones consumer report is for : 1. Firm offer of credit 2. Insurance 3. Court order 4. Employment These inquiries do not have a permissible purpose they are not attached to an account : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2022 + All Banks XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 + XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2022 + Television & Radio Please remove the listed inquiries from my consumer report they were not authorized Outside of what I just listed above according to the FCRA these inquiries do not belong on my consumer report letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows :
Consumer complaint received 2023-11-18
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. (OH)

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.

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. 1681s-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.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ) section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I filed complaint XXXX on or around XXXX XX/XX/2022 indicating that the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) had supplied Equifax with XXXX information for a credit card account and a line of credit ( revolving student loan ). It is now XXXX XX/XX/2022. Clearly, Equifax did not read documentation and used eOSCAR to conduct automatic update of information from the data furnisher with whom I am disputing payment history. Equifax has been made aware that the data furnisher violated Regulation Z and Regulation F, the XXXX, the FDCPA, the FCRA, and the XXXX. Equifax received a copy of the complaint I sent to the office of my state 's attorney general and the US Attorney 's Office for my district, which cites the specific state and federal law violations. Yet, having received those complaints and the copious documentation supplied, some of which includes documents from the data furniser acknowledging a system failure that caused months of no delivery of electronic statements OR paper statements, Equifax has persisted in the invalid/incomplete information claiming the data furnisher " verified '' the accuracy of the information. I Included documents with complaint XXXX ( screenshots ) showing the data furnisher 's system indicating not only XXXX ( XXXX ) access to paper statements and electronics statements, but the records showing I had XXXX ( XXXX ) accounts for the periods in he data furnisher supplied Equifax with information regarding late payment history and charge-off. Equifax is persisting data that indicates I failed to pay on an account through charge-off, when Equifax has the documentation from the data furnisher indicating the furnisher DID NOT bill me, allegedly fixed the problem, only for the probelm to return, causing the accounts to subsequently be charged-off. Based on a preponderance of the evidence supplied to Equifax in complaint XXXX, Equifax knows XXXX or SHOULD know, ( should have reasonable suspicion to believe based upon documentation supplied ) that the information supplied by the data-furnisher is incorrect. Yet, Equifax persists the invalid and/or unverifiable information. With just the statement here I have cause to sue Equifax. Instead, am requesting this matter to be resolved using this CFPB process.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AZ)

Ever since our home loan being switched to Mr. Cooper, we have had to call each month to request that they apply our funds correctly. Each month I receive harassing e-mails, text messages, phone calls, and voice messages throughout the work day stating we are late on our monthly mortgage payment. We are actually one month in advance of our payments ever since being moved back in XXXX of 2023. Our first payment was due XX/XX/2023 and to ensure that our payment would be on time started to make payments in XXXX. XX/XX/XXXX and then again at the end of XXXX to make the full payment for XX/XX/XXXX. Ever since making payments early and partially, Mr. Cooper has not been able to apply them to make a full and total payment each month and was being told each time I called to ask them to correct this, each representative, until today, has told me that it will be fine, they will make notes in the account and that there is NOT a penalty or issue with making early/partial payments. Today I was told that I am going to have this issue going forward and have to call EACH month, as the system does not apply it correctly. I tried to Confirm with XXXX XXXX at Mr. Cooper that I appreciate his honesty as this is the first person to state that this issue can not be corrected and will continue to happen and be harassed unless we make a separate account and hold the fund in our own account until we gather enough to make a full payment. Again, I reiterated that we are a month in advance of our home mortgage payments and was told that there is no penalty to making payments early or partial. He said I will continue to have this issue if I do not make a change. I shared that I am the customer and am doing my part to make my payments on time and early and I do not have thousands of dollars or access to their system to ensure my payments are being applied correctly and that is Mr. Cooper 's concern. I also am allowed to pay whatever amount I choose and whenever I choose. This is not something the company Mr. Cooper is to dictate to the customer. I have never had this issue with the previous lender.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XXXX your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent certified letters to each of the 3 major credit reporting agencies ( Trans Union Tracking # XXXX ) ; ( XXXX XXXX # XXXX ) ; and ( XXXX Tracking # XXXX ), asking for verification of 100 % accurate reporting of my credit report. I received verified information from all XXXX bureaus. How is this information verified as accurate when there are still variances from each bureaus report. Variances include : number of late payments, addresses that I have never lived, account opened dates, employers that I have never worked for, and even a spouse -- when I have never been married. 

XXXX XXXX XXXX : variance in the dates account was opened on TU and XXXX  reports. Verified as inaccurate by XXXX, and deleted. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports. This also surpasses the allotted time on my credit report, as it was placed on XX/XX/XXXX. 

XXXX  XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (LA)

I signed up for overdraft protection from my savings to cover my checking through XXXX XXXX mobile app. I then later opted out of overdraft protection but my account was still over drafting! I had several transactions repeatedly taken out from XXXX my I contacted XXXX to report this problem and a problem I had cashing out those funds and was told in the chat that it was probably a problem with my phone. I have an XXXX. I updated it and still had the same error. It would load and load when I tried to add funds to XXXX and say it wasnt processed but its in fact process the deposit several times I also was signed up for frequent deposits. XXXX XXXX would randomly act up again saying my geometric location was restricted and sports betting was not allowed in my state which eventually lead to my account being inaccessible and me not being able to withdraw the thousands I had in it. They would not reopen my account or send the funds back so I disputed the transactions with XXXX XXXX who laughed about it and abruptly denied most of the disputed transactions so basically my money is being withdrawn held by XXXX and XXXX XXXX does nothing. I requested information from the results of the investigation as well as to why the transactions were still being overdrafted from my savings anyway after I opted out of overdraft protection. They have not provided me with any information and I still have claims open that have been sitting in the system unattended to for over XXXX weeks
Consumer complaint received 2023-05-19
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Original creditor XXXX XXXX  XXXX Balance : {$3400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$13000.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX NA Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-05-22
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. (VA)

XXXX {$3700.00} XXXX account closed i contacted XXXX- closed paid in full still showing in my credit XXXXXXXX XXXX XXXX {$740.00} Date : XX/XX/XXXX no action taken i contacted XXXX XXXX- {$2000.00} Date : XX/XX/XXXX No action taken i contacted XXXX XXXX XXXX XXXX$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No action taken XXXX XXXX XXXX XXXX5900.00} XXXX No action taken i contacted XXXX XXXX XXXX {$120.00} XXXX XXXX XX/XX/XXXX no action taken i contacted
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have asked Bank of America to stop mailing me promo offers for 2 years and they WONT stop! 

I am starting to think im part of a sick joke. 

Why arnt you at CFPB doing anything? 

Are you fining BOA? 

It is a law they have to stop when i request them to stop and they have not. 

Is there a pending class action lawsuit i can get my name added too? 

Can i get BOA legal departments email? 

I have attached photos of OVER 50 promo offers... and sadly those are just the promos i have kept since requesting them to STOP!!
Consumer complaint received 2023-04-20
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. (ID)

I recently checked my credit report and was surprised to see that I have been a victim of identity theft. There are several accounts on my report that were not opened by me. This has been hurting my credit score, and I'm in the process of buying a home for me and my wife. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I had a charge off credit card with JP Morgan Chase, I PAID OFF the balance for less the amount, as agreed with Chase. I am requesting to have the account removed because is affecting my ability to find rental property and purchase a vehicle. I would like a welcoming home to live and a vehicle to get to work.
Consumer complaint received 2023-11-06
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. (AL)

I'm trying to purchase a house andI realized my account information has not been changed nor updated to correct information. FICo score and Credit Score was not updated along with balance and correct information making it hard for me to purchase loan or mortgage loan.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted transunion and I noticed that I have these hard inquiries in my credit report, I do not recognize these and they were not authorized to be carried out by me, this is causing me a serious problem since my credit score is falling too much due to this, below I list the hard inquiries which I need to be removed immediately from my credit 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
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (GA)

Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX CT XXXX, GA XXXX is not my address. 

Also inquiries are reporting on my credit report that I dont recognize XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX