davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the date opened and payment status, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX Acct # XXXX Date opened inaccurate. 
Payment status inaccurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.
Consumer complaint received 2023-10-12
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX with XXXX 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 2021-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I have been getting repeated phone calls from a debt collector, sometimes even twice in a week ( for example, XXXX, XXXX ). I do not know what this debt would be from since Ive never received anything in the mail warning me, requesting anything, or simply letting me know of something that I may owe a debt for. At this point I think this is a scam since I receive a ton of scam calls, oftentimes receiving calls after the debt calls, saying that theyre going to take legal action ( maybe not related but seems strange ). Anyway, I havent been alerted of any debts that I owe in an official manner, so why would I think this is legitimate? By the time, Im able to call, they are closed ( Im not with my phone during work days ). I also looked them up and the reviewers are all saying that theyre being harassed for a debt they never owed, like me, or that theyve already paid an old debt are still being called, which makes me even more hesitant to get in touch anyway. I would like them to stop calling me immediately.
Consumer complaint received 2022-11-08
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-10-12
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. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-10-12
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. (NY)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$620000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.
Consumer complaint received 2021-08-04
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: SYNCHRONY FINANCIAL (OH)

please check this account that appears on my credit report, without any authorization, it is not mine. 
SYNCB/SAMSDC Account Number : XXXX**** This is not mine.

SYNCB/SAMSDC Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-13
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-10-12
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. (NY)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$620000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$5200.00}.
Consumer complaint received 2023-10-12
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: WELLS FARGO & COMPANY (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2023-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2018-05-07
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. (NC)

I have disputed an error with Experian two different times and even with proof of inaccurate reporting, they will not remove the account from my report. I sent a dispute letter to Experian XX/XX/XXXX. This was my second attempt at trying to have the inaccurate information removed from my file. I explained to Experian that I had previously reached out to the company ( XXXX XXXX ) to whom my dispute pertains and was provided a copy of the so-called contract I signed with them. I forwarded all of this information, along with my reasons for dispute. Experian has for the SECOND time refused to delete this account ( although inaccurate ) from my report and will NOT share with me how the information was proven and deemed accurate by their investigation. I have attached copies of all paperwork and will also share with you the reason why I feel the information is inaccurate and should be deleted immediately : See page 1 : How was " accuracy and completeness '' determined? Why can't results of investigation be shared with me? 
See page 2 : Experian simply updated the information contained in the report from balance of {$1000.00} to {$1000.00}. Where's the proof of this? Experian was specific enough to increase the dollar amount by {$3.00}, they must have information that proves this ... share! Also, please note one area of the report states {$4000.00} owed, but another area states credit limit or original amount {$490.00} ... which is it? 
See page XXXX : If debt belongs to me, where are the last 4 of my ssn ( it's listed for the other party mentioned in the contract on pg.4, where's mine? ) See page 4 : Spelling of last name inconsistent See page 5 : Every page states " SOP '' which I have learned to mean signed over phone. My signature is nowhere on the contract! If SOP was used, prove it by providing recording of that supposed phone call. How can I be held liable for a contract that I NEVER signed!? 
See page 6 : In description of transactions, where is my name listed? Why am I not included/listed as a member? In addition, according to credit report " date opened '' is listed as XX/XX/XXXX, however page 6 shows transactions dating back to XX/XX/XXXX ... that's almost a full year 's difference. 

This entire report is filled with inaccuracies. Nothing being reported is true and it is hurting my credit standing and rating. In my opinion, just another cheap ploy by the credit reporting agencies to keep them in business. Experian is the only party that gains anything by reporting false information!
Consumer complaint received 2018-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have been struggling with Chase for my HELOC. I have been advising from Chase with many different thing. As of Active Bankruptcy of chapter XXXX, I called Chase for negotiate of my loan and to get it close due to approval of short sale from 1st lien holder. I have limited time to close but it took over 4 weeks for nothing. 
XX/XX/XXXX, I called Chase and they told me my file being service by XXXX XXXX XXXX and I need to contact them for more information. Same day, I called them and spoke to XXXX XXXX. She told me I need authorization from my bankruptcy attorney for more discussion. I have got letter sent by my attorney. I called XXXX XXXX XXXX to talk but they gone for the day XX/XX/XXXX. I called XXXX XXXX XXXX and spoke to XXXX XXXX, She told me my lien being release by Chase and decision made on XX/XX/XXXX. I asked for documentation and she said no documents to provide. OMG. I called Chase Recovery Department at XXXX and spoke to XXXX XXXX, she told me nothing to release and release lien being review by Chase. 
I dont know which one to be trust and my house is almost got foreclosure if I cant close on time as of XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX we contacted XXXX XXXX to ask them to change their XX/XX/XXXX report to the credit bureaus from late to no info due to the fact that we had been adversely affected by an unexpected lay off, a circumstance beyond our control. ( See attached letter ). They are currently reporting our account as late, which is hurting our credit score and has made it difficult for us to obtain needed financing to make urgent repairs to our home.
Consumer complaint received 2023-08-15
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. (PA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2023-10-12
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. (NC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.XX/XX/XXXX Balance Owed : {$540.00} ; XX/XX/XXXX Balance Owed : {$4000.00} ; XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXXBalance Owed : {$0.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ;XX/XX/XXXX Balance Owed : {$3200.00} ; XX/XX/XXXX Balance Owed : {$1700.00} XX/XX/XXXX Balance Owed : {$3300.00} ; XX/XX/XXXXBalance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXXBalance Owed : {$2500.00} ;XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$4200.00} ;XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$4200.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3200.00} ; XX/XX/XXXX XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2500.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$4200.00}.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

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 clealy 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 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TFC Credit Corporation of California (CA)

" TFC CREDIT CORP '' IS REPORTING A BALANCE OWED AGAINST ME HOWEVER, WHEN TRYING TO CONTACT TFC CREDIT CORP, THEY ARE STATING THAT THERE IS NO BALANCE IN THEIR OFFICE UNDER MY NAME. I HAVE CALLED COUNTLESS TIMES TO GET THIS RESOLVED BUT WITH NO SUCCESS. TFC KEEPS TELLING ME THAT THEY CAN NOT LOCATE THE BALANCE. IF IT IS A TRUE DEBT THAT I OWE, I AM WILLING TO SETTLE IT BUT TFC IS NOT WORKING WITH ME. I ALSO MAILED THEM A " DEBT VALIDATION '' REQUEST OVER 30 DAYS AGO AND HAVE NOT RECIEVED A RESPONSE. THIS IS A VIOLATION TO MY FCRA RIGHTS. TFC CREDIT NEEDS TO DELETE THIS ACCOUNT FROM MY CREDIT OR UPDATE THE BALANCE TO ZERO. I HAVE ATTACHED A COPY OF MY IDENTIFICATION, THE DEBT VALIDATION REQUEST I MAILED TO TFC, AND A SCREENSHOT OF THE TFC ACCOUNT REPORTING TO MY CREDIT.
Consumer complaint received 2023-08-15
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. (CA)

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. 
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 XXXX  XXXX ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-04
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2023-10-12
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. (CA)

I, XXXX XXXX, wish to bring to your attention a matter of utmost importance. Specifically, I would like to assert that 15 U.S. Code 1681 c-2 clearly states that if a consumer identifies information in their credit file that has resulted from alleged identity theft, a consumer reporting agency is legally obligated to block the reporting of such information within a period of XXXX business days. 

To provide some context, I dispatched a package to your organization on XX/XX/2023, containing my FTC Complaint numbered XXXX, Trans-Union affidavit , FTC affidavit XXXX police report, a copy of my driver 's license, social security number, and a copy of my gas bill. The purpose of this package was to request the blocking of information in my credit file that I have identified as being a result of identity theft against me.

It is crucial to note that I am well aware that, as per 15 U.S. Code 1681 n, the failure to adhere to this law may result in punitive damages. Regrettably, I must emphasize that I have not witnessed any action being taken on my request, nor have I received any information from your end regarding how you have verified the identity theft that led to my credit denial. This is a matter of great concern and immense frustration for me.

I want to make it unequivocally clear that I find this situation highly unacceptable. To prevent any further legal actions and to seek a swift resolution to this matter, I hereby demand that you immediately remove the fraudulent XXXX  XXXX XXXX account XXXX. XXXX from my credit report. 

This correspondence serves as a formal demand on my behalf, urging Trans-Union and XXXX to initiate a comprehensive investigation into the facts and circumstances surrounding this issue. I expect an appropriate response to my concerns, which should include your immediate compliance with the aforementioned demand. Keep in mind Under consumer law asking XXXX  XXXX XXXX to verify this fraudulent debt is not the credit bureaus doing a true investigation on this matter. 

I trust that you will treat this matter with the seriousness and urgency it warrants, as I am prepared to take further legal action if necessary. I eagerly await your prompt response and resolution of this pressing issue. 

Sincerely, XXXX XXXX XXXX