davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-15
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. (IL)

Today, I am writing this complaint to TRANSUNION regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-15
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-12-23
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. (FL)

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, provide proof, and 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 XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-23
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. (IL)

recently, I did an investigation on my credit report which cause me XXXX XXXX. 
finding out that there's incorrect, invalidated, inaccurate, unverifiable, and questionable items on my credit report that your agency didn't make sure was 100 % correct. 
in accordance with the fair reporting act. everything has to be 100 % accurate on my credit report and under 15 us code 1681e ( b ) and 15 us code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

as well as, 15 us code s-2 responsibility of furnishers 15 us code 1681i ( 5 ) ( b ) reinsertion of deleted item 15 us code 1681i ( 2 ) ( i ) ( ii ) procedure in case of disputed accuracy which are also in violation of my rights under the fair credit reporting act? 

the credit reporting agency stated that these accounts were properly investigated and come back as verified. however, how is this true when there are several inaccuracies showing on my credit report, causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

as a consumer, I respectfully request to know all the steps your agency took to insure that all these accounts are 100 % accurate. 15 us code 1681i ( 7 ) method of verification- description of reinvestigation process RESOLUTION as a consumer and American citizen, by law my credit report must be made 100 % accurate immediately which is in the best interest of justice. i respectfully ask that the credit reporting agency update with 100 % accuracy and/or delete all the inquires, inaccurate information and fraudulent accounts listed in my complaint. 
please and thank you. 

I have also filed an identity theft report with the federal trade commission to protect my consumer rights. 

identity report and federal trade commission reference number. 
XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

I filed a complaint against PayPal Mastercard with synchrony bank. They had totally fouled up my account. I had to get you involved twice and I am still having issues. The last payment was for $ 10+ and I sent them a check even though I knew I did not owe it. finally, after your intervention, they mysteriously found the check and applied it to my account after claiming they did not receive it. Here is the RUB : they filed against my credit and drastically lowered it. these people are scum and need to be investigated. I did have good credit and now it has dropped. And they are the only people I have dealt with about money. It has been one dirty trick after another.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to provide an update and reiterate my concerns regarding the ongoing issues with fraudulent chargebacks initiated by XXXX XXXX, connected to Bank of America. I appreciate the bank 's decision to reverse XXXX of these chargebacks dated XX/XX/2024. However, I must emphasize that all the chargebacks in question are linked to the same individual and appear to be a coordinated attempt to circumvent the system by spreading out fraudulent claims over time. 

As previously stated, the disputes, involving amounts totaling which reflects the {$990.00} reverse payment is {$7900.00}, pertain to various services rendered and were contested by the client using differing reasons, suggesting a strategic approach to defraud. 

I have attached the contact number for Bank of America, XXXX, extension XXXX, as listed in their correspondence. Unfortunately, this number only reaches a voicemail, and despite multiple attempts calling and requesting a specific time to speak, I have not received a confirmation or been able to connect with a live person from the bank. I have tried contacting the bank directly on several occasions but have not yet achieved a successful resolution. 
Im reinitiating the complaint for Bank of America to review the linked nature of these chargebacks and consider the evidence provided as indicative of a deliberate attempt to defraud and reverse the remaining balance of {$7900.00}. A thorough investigation into these matters will not only address my immediate concerns but also uphold the standards of fairness and diligence that your institution is known for Thank you for addressing this matter urgently.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I bring to your attention the apparent compromise of my credit with your organization. It has come to my notice that, despite being accompanied by an FTC fraud report ( # XXXX ), certain items have not been removed as required. Upon reviewing my records, I observed that these inaccuracies, which are not associated with me, persistently and detrimentally impact my credit file. My commitment to thorough research and persistence compels me to address this matter, and I am determined not to be hindered by any unwillingness to comply with the law. In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), your legal obligation is to expeditiously remove items identified as resulting from identity theft. The disputed items, namely : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX ( XXXX Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$2000.00} XXXX XXXXXX/XX/XXXX. I am attaching the newly required FTC Report with reference # XXXX, along with my Driver 's License, Form XXXX, and Proof of Billing, serving as verification of my sole address. Kindly proceed with the removal of these items from my credit report promptly.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (MD)

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

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-12-15
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 recently reviewed copy of my credit report, I am shocked by the unauthorized inquiries i viewed upon my report. Bases upon federal law I am promised accuracy for my report. I demand all these unauthorized inquiries shall be DELETED from my credit report immediately.
Consumer complaint received 2023-12-15
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (IL)

Subject : Dispute of Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to dispute an inquiry on my credit report that I believe to be unauthorized and in violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ). The inquiries in question appears on my credit report under the name 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 XXXX ] needs to be deleted immediately XXXX 
Upon reviewing my credit report, I discovered this inquiry, which I did not authorize nor have any association with. As per the FCRA, access to my credit report is only permissible for specific purposes outlined in 15 U.S. Code 1681b, and I have not granted authorization for this particular inquiry.

I request that you promptly investigate this matter and provide me with detailed information regarding the source and purpose of the inquiry. Additionally, I demand that this unauthorized inquiry be removed from my credit report immediately, in accordance with the provisions of the FCRA.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry, as well as any supporting documentation relevant to this dispute.

I expect your full cooperation and prompt resolution of this matter within the time frame specified by law. Please inform me in writing of the results of your investigation and any actions taken to rectify this issue.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-15
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My name is XXXX XXXX XXXX, I live at XXXX XXXX XXXX XXXX in XXXX Texas, XXXX. Your company recently purchased my loan from XXXX ( Loan number XXXX ). I just got my first statement from you and there are a couple issues with it. So I called to get it straightened out with no success. So you are getting this email. 
I called at XXXX central time and spoke with a woman named XXXX I believe. I explained that my loan was an Equity line of credit and not a full loan and my statement had an Escrow payment. We pay the taxes our self on the house every year and pay the insurance ourselves monthly so there is nothing about our loan that qualifies as an Escrow item. The Escrow balance is - {$170.00}. I was told there was not answer for what this was and I just had to pay it. This is unacceptable Illegal and I will not stand for it. 
Secondly there is a {$31.00} fee on my statement, when I asked about this fee, I was told its a property inspection fee. No inspection has been done. Now one from your company or no one saying they represent you have come onto my property to ask to inspect the property. If this inspection was down I DEMAND to see it and the photographs that were taken. I want to know who gave them permission to access to my property. If no inspection has taken place then why am I being charged? If an inspection took place without my knowledge or consent that is trespassing and in Texas is not a very smart thing to do.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NC)

On XX/XX/24 The credit bureau stated account name and account was properly investigation 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 right under ls u s.c 1681 section 604 A section 2 The law clearly states a consusumer reporting agency can not furnish a account without my written insinuation.I haven given these account 's written permission to furnish these accounts on my credit report!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The department of education has failed to comply and follow through with the settlement terms set forth in the settlement entered on XX/XX/XXXX, and effective XX/XX/XXXX, for XXXX loan borrowers who are in the automatic discharge group. 

I am a full class member of the automatic discharge group. 

I have reached out several times to StudentAid.gov, my loan servicer, XXXX, and done my best to attempt to contact the Department of Education directly regarding the matter, as well as shared my experiences with the XXXX. 

I have recently as of the month of XXXX, filed disputes with all 3 credit bureaus, and all 3 major CRAs ( XXXX, XXXX, Experian ) have all failed to remove the XXXX XXXX loan accounts from my credit report as is required by law. 

Per the settlement, I should have received all monies paid to the Department of Education for my XXXX XXXX loans, full discharge of my XXXX XXXX loans, as well as full removal of the information from my credit report no later than XX/XX/XXXX. To date, I have received no relief.
Consumer complaint received 2023-12-15
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. (MO)

I am writing to formally file a complaint regarding the many numerous attempts I have made to rectify and remove charge off account on my credit file. Despite my repeated efforts, this unauthorized entries continue to persist, adversely affecting my creditworthiness and causing significant distress. 

I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the charge off account remain on my credit report. 

I would like to bring to your attention the following key points : Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. 

This account entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. 
The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. 

I urge you to conduct a comprehensive and thorough investigation into the fraudulent items on my credit report, including a review of all supporting documentation I have previously submitted. 
Upon confirmation of the inaccuracies, I request the immediate removal of the account from my credit report. 
I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. 

I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. 

If my concerns are not addressed satisfactorily withinthe exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00}.