davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (OK)

This is to express my significant concern and dissatisfaction with the outcome of the attempt to remove fraudulent items. It is crucial to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

Despite the concerted efforts made during the initial attempt to remove fraudulent items, I am deeply disappointed with the outcome. The presence of fraudulent items not only undermines the credibility of the process but also casts doubt on the effectiveness of the measures in place to prevent such occurrences. 

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust and confidence. With this, I am asking for your assistance to remove these fraud items in my credit file : INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$730.00} XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (GA)

I am writing to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law. The errors that require immediate attention include, but are not limited to : XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (OK)

This is to to express my concern regarding the delay in correcting the late opening issue. It is imperative to address this matter promptly and effectively to ensure fairness and transparency in the process. 

The delay not only undermines the credibility of the process but also raises questions about the efficacy of the measures in place to prevent such occurrences. 

Therefore, I urge you to take immediate corrective action to address the root causes of the late opening problem and implement measures to prevent its recurrence in subsequent rounds. It is essential to demonstrate accountability and transparency in rectifying this issue and restoring confidence among all stakeholders. 

In conclusion, I trust that you will give due attention to this matter and take decisive action to rectify the late opening issue. Failure to address this issue promptly not only compromises the integrity of the process but also undermines the trust and confidence of stakeholders. With this, I am asking for your assistance to remove or correct this account in my credit file : XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/2023 I wrote a check for estimated taxes to the GA Department of Revenue in the amount of {$1600.00}. In XXXX of XXXX I discovered that the check was never applied to the payment account with the Department of Revenue and I uncovered that the check written had been stolen from the US Mail and had been signed over to a person named XXXX XXXX with my forged signature below. A XXXX XXXX XXXXXXXX branch honored this forgery and cashed the check to this person. My bank, Region Bank, debited my account and paid the funds. 
I have filed multiple claims with Regions Bank beginning in XX/XX/2023 and on XX/XX/2023 I was informed that Regions would not be able to refund the stolen amount unless the Department of Revenue files case with them. The Department of Revenue will not be able to do this nor should they need to do this.

The fraud and theft happened to me and my account NOT the Department of Revenue.

All past checks written to the Department of Revenue are clearly marked with a stamp indicating the funds are deposited by the Department of Revenue.

This is a clear case of someone fraudulently signing over a check not made out to them and a bank honoring it and deducting funds from my account.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE ACCOUNTS ARE REPORTING NEGATIVELY AS COLLECTIONS ON MY CREDIT REPORT DESPITE NOT HAVING ANY MONTHLY HISTORICAL DATA AT ALL. THIS IS CLEARLY INACURRATE REPORTING. These accounts must be removed immediately.
Consumer complaint received 2017-12-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SC)

at COINBASE My account has been frozen for some " identity '' issue. They have re-verified my identity but my account and my assets are frozen. APARENLTY THEY USE THIS IDENTITY ISSUE AS AN EXCUSE TO LOCKOUT CLIENTS. I 'VE DISCOVERED ITS HAPPENED TO THOUSANDS OF PEOPLE WHO HAVE THEIR MONEY LOCKED UP IN COINBASE
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-12-27
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. (FL)

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
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. (NJ)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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. (NJ)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (OK)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} ; XXXX  XXXX XXXX Balance : {$330.00} ; XXXX XXXX  XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've had enough. I combed through my personal credit report, and what do I find? An absolute circus of inaccuracies that are driving me up the wall. Now, I get it mistakes happen, but these are no run-of-the-mill errors ; they're bulldozing my chances of ever owning a home. I've done my homework on the dispute process, and I know you're supposed to get your act together within thirty days. It's high time you rolled up your sleeves and wiped these abominable errors from my credit report. In these trying economic times, I can't afford to have bogus information dragging my credit score down. So, you better believe I'm counting down the days until I see an updated credit report that reflects these crucial changes and it better be within thirty ( 30 ) days, no less. Let 's get to the crux of it. Here 's the list of blunders that have got me seeing red XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX. Delete these fraudulent accounts in my credit profile ASAP.
Consumer complaint received 2023-04-26
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have lots of names and addresses on my consumer report that are not mailable addresses and not my XXXX giving name. 

XXXX XXXX, XXXX XXXX XXXX is not my name Correct name : XXXX XXXX XXXX. 

Addresses : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX all not mailable addresses
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and do not have a contract with Monterey Financial Services or Monterey Collection Services. They did not provide me with the original contract as I requested and also this account is in violation of my consumer rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) 15 USC 1681 Section 602a, states I have a right to accuracy and privacy.

15 USC 1681 Section 604a ( 2 ) - Also states that a consumer reporting agency can not furnish an account to be reported without my written permission.
Consumer complaint received 2024-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (DE)

Good day. I am XXXX XXXX XXXX, a young XXXX XXXX XXXX XXXX American homeowner of XXXX  years living at XXXX XXXX XXXX XXXX XXXX XXXX. I have been clinically diagnosed as having XXXX, being on XXXX XXXX I preface this because it is my belief my current mortgage company, LoanCare aka XXXX XXXX, is discriminating and exploiting my XXXX, my age, my race collectively and taking financial advantage of my situation. On XX/XX/2023 my home was doused with rain coming thru my roof down thru my ceiling & walls streaming onto all XXXX floors of my home. An insurance claim was filed thru XXXX, my homeowners insurer, on the XXXX and after a few months of adjustment I was granted just over {$27000.00} to repair my home. LoanCare/XXXX was sent the checks and has been sitting on the money needed to repair my home for XXXX months since disbursement citing insignificant & tedious reasons i.e. a XXXX looks like a XXXX on docs, my address isnt listed on paperwork ( when it clearly is! ), having me resubmit documents sent numerous times for weeks which has turned into months. I live in a row home with neighbors on either side of me that have XXXX XXXX issues. My home is exposed to rodents dropping from the ceilings because of the opened gaping holes necessary to get the ceilings repaired. Ive had flying bats in my home I can not do anything about because theyre endangered (? ) yet I and the people that live in my home are living in an active construction area with our health and lifestyles at risk. I have had a licensed legitimate contractor waiting on monies to be disbursed so work can begin however LoanCareXXXX continuously is putting me/us thru hoops with petty issues that have been satisfied several times over. 

I am looking for assistance in getting the help I need to release the monies allocated for my home. I am reporting these actions because I am being violated and victimized by LoanCares discriminatory, illegal activities and practices. I believe they are holding my money back for their own benefits at the cost of mine and my household 's quality of life. I simply want to get my home back and to live in the home I so proudly purchased XXXX  years ago.
Consumer complaint received 2023-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. BANK OF AMERICA , N.A . XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2023-12-27
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. (NJ)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must get rid of the listed account from my file. 

XXXX  XXXX XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Greetings XX/XX/XXXX XXXX XXXX closed an account insufficiently and unexpectedly ( Credit Card Act of 2009 ) without advance notice of other significant changes ( 15 U.S.C.1637 The Truth and Lending Act has clearly been violated. I was never given advance written notice of this significant change to this account being closed 45 days prior to. All payments made to this account have been reported and recorded as on time and satisfactory by XXXX XXXX XXXX, Trans Union, and XXXX. These payments have been accurately recorded by these agencies as on time and satisfactory payment history. XXXX XXXX then wrote me a letter stating that they would re-open My Account, which they then told me that I had to reapply which caused an inquiry and a denial of my credit. XXXX XXXX has falsified additional reporting as unsatisfactory late payment history, which is in accurate and clear breach of their contract by defaming my character 28 US code section 4101, section 312231.05. With intentional and reckless malice, these statements were made to third parties. As of XX/XX/XXXX XXXX XXXX continues to report to third parties as late and unsatisfactory.