davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
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. (TX)

XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2023-05-08
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. (CA)

Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. Please correct the accounts listed below : XXXX XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$470.00}, XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (TX)

JPMCB Card is negatively reporting on my credit report. They reported to XXXX an incorrect personal address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX. I have never lived or been associated with this address. Per the FCRA 15 U.S. Code 6802 and 12 CFR 1016.7 I am opting out of sharing my information with third parties. Experian is indeed a third party reporting inaccurate information without my permission. 15 U.S. Code 1681 states " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' It also states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I would like this account immediately removed from my credit report for inaccurate reporting on my credit file.
Consumer complaint received 2018-08-31
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)

I had requested that all dispute remarks be removed from all accounts listed on my credit report within 15 days. The dispute remarks are keeping me from closing on my home loan. I was told by a mortgage company to dispute all accounts that were in collects and now I am being told to have all the remarks removed.
Consumer complaint received 2018-08-31
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. (VA)

I have requested that all Dispute remarks be removed from all accounts on my XXXX, Transunion, and XXXX reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my report.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (NC)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-07-29
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX AND XXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUIST FINANCIAL CORPORATION (VA)

We are set to close on XX/XX/XXXX. This is the result of an extension request, as we were supposed to originally close on XX/XX/XXXX. 

We received conditional approval on XX/XX/XXXX. With the approval came a list of items we had to complete, including paying off our auto loan. We completed everything on the list. On XXXX we were notified that there was now a new condition, which required us to have cash reserves. Again, this was not disclosed to us at the beginning of this process and before we put an offer on the home and it was accepted in ( XX/XX/XXXX ), nor was it disclosed after we were in the closing process. The loan processor said that the requirement for cash reserves was implied since they asked us for documentation of our retirement accounts. Truist admitted that they never told/ disclosed this on the conditions list nor verbally. We are 24 hours from closing and still have not been given a clear to close. 

Attached is our conversations surrounding the conditional loan approval
Consumer complaint received 2023-11-29
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I am requesting that these items be deleted off my credit report immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 

XX/XX/2021 XX/XX/2021 2021
Consumer complaint received 2018-08-31
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. (VA)

Experian, XXXX XXXX and XXXX are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX was listed for an inquiry on my credit report.Other inquiries listed below : Account name : XXXX XXXX. 
Account name : XXXX XXXX XXXX. 
Account NameXXXX XXXX XXXX 

All have violated my rights. 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 2018-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

This is a case of mortgage fraud. This was a mortgage refinance that took place on XX/XX/XXXX. The " closing '' did not have a notary present at the location in XXXX, NJ. The person who notarized the paperwork did so at a later time and did NOT ever meet or witness my or my wife 's signatures. One of the forms was notarized and we NEVER saw or signed the form for the NY XXXX. I tried in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently in XX/XX/XXXX to modify the terms of the mortgage. Only this last attempt did I ever receive a letter in writing. Thank you for your consideration.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
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. (NJ)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX XXXX XXXX account opened ( isnt mine ). Capital one XX/XX/XXXX ( isnt mine ). XXXX XXXX XXXX XXXX XXXX XXXX ( isnt mine ) XXXX XXXX XXXX XXXX  ( isnt mine ). XXXX XXXX XXXXXXXX XX/XX/XXXX ( isnt mine ).
Consumer complaint received 2023-05-08
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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)

Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.
Consumer complaint received 2023-05-08
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. (TX)

l 've repeating have send out numerous dispute letters requests. l 've done the theft identify copied letter and send out to all 3 major-credit reporting agencies. I have requested a fraud alert on my credit report. 
This are the inquiries that l 've requested to be remove. 
This are the following fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has block or suspended my login to dispute. l have made a copied of notice. XXXX hasn't responded or remove the deleted accounts. XXXX has the same inquiries and still waiting on response.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Regarding XXXX XXXX : I viewed my Equifax credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from Equifax it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XXXX. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/XXXX  I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/XXXX  to XX/XX/XXXX  when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (WY)

I went through a debt consolidation company, XXXX XXXX XXXX, to help settle my debt and make payments on my behalf, which they did. 
When the final payment to Goldman SachsXXXX was made in XXXX of 2024, I had requested a letter of satisfaction for my credit report, I was told they would not send one out until the last payment was processed in about 30 days. When I did receive the letter, it had sentence in there that said " if any payments are returned collections would resume ''. I requested they remove that sentence, but they refused, stating that it was auto generated. 
I requested they update my credit report, which they have not done. When I disputed the report they removed all notes and changed they amount owed, it now looks like I made no payments and still owe over {$5000.00}. 
I disputed this twice, and have had no luck with them adding a statement that says, " this collection was paid in full as agreed to through a settlement. '' I have provided all the documentation I could get, but I am unable to get a copy of my settlement agreement through XXXX XXXX XXXX.