davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (GA)

XXXX XXXX business practices are unlawful and the violate the FCRA. They failed to conduct a reasonable investigation after the numerous disputes I sent to the CRA 's. Despite being given all the required information they determined the reporting information was accurate and meets FCRA ( Fair Credit Reporting Act ) guidelines and it does not. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the last payment date, payment history, balance history, and payment history guide. 
They continue to deny me of my rights as a consumer. XXXX XXXX has chosen to be willfully and negligently noncompliant of the law and the agreement they created. Our agreement contains a clear and binding arbitration clause that obligates both parties to resolve disputes through arbitration. When I attempted to initiate arbitration, they failed to comply with the XXXX policies regarding consumer claims as outlined in the Consumer Due Process Protocol and/or removed themselves from the Consumer Clause Registry. XXXX XXXX has sold the account, yet still attempting to collect. The FCRA states I have the right to a complete and accurate consumer report. They are hindering me from that and are liable under the FCRA. 
I have attached a copy of the agreement, XXXX XXXX, and notice sent )
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-09-18
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. (FL)

XXXX is still reporting on my Equifax credit file. The previous response from Equifax stated that credit inquiry XXXX has been deleted. As follows XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX, XXXX and XX/XX/XXXX. Which all are back to back. Please delete entirely.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 :
Consumer complaint received 2024-04-11
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 am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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 have lost track of the numerous letters I've sent to your bureau regarding my identity theft case, yet my concerns remain unresolved. Despite filing the required FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. I want to emphasize that I've already reached out to the banks linked to these accounts, provided the necessary documents, and promptly had the accounts removed from their records. Once again, I am disputing the fraudulent information negatively impacting my credit file. 

XXXX XXXX XXXX, XXXX BANK XXXX and XXXX XXXX XXXX. XXXX.
Consumer complaint received 2024-04-11
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00}
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debts in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from these accounts from their records due to an unidentified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated them and the banks also approved of updating the status of the accounts to open/closed never late after I talked to them on the phone. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 



XXXX - 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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my TransUnion credit report and notice a collection from XXXX. XXXX XXXX for the amount of {$250.00} that I didn't authorize. I filed a complaint before and it was removed from my XXXX credit report, but now it have been added to my TransUnion credit report I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX. XXXX, XXXX they did not provide me with the original contract as I requested
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (IL)

NAME : Credit Protection Association ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Website : www.creditprotect.com Scam collection attempt Received numerous phone calls and a letter from Credit Protection Association L.P. Claims I owe money to XXXX XXXX in the amount of {$420.00}. I am positive I never used XXXX XXXX services. 

The letter claiming that my account has been turned over for collections as of XXXX XXXX 2017. Collector is Credit Protection Associates L.P. 

Original Creditor : XXXX XXXX Account Number XXXX Service Balance : {$420.00} Collection Fee XXXX
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I made a deposit of my unemployment check to my Huntington checking account on XXXX I received an email from the bank stating that my deposit was available as of XX/XX/XXXX - this email was delivered to me XXXX 

Ive called several times and have been told that theyre investigating my deposit and verifying information. 

The last time I called they advised that my account was high risk and will be closed. Ive still yet to receive my deposit in any form. 

I received a letter stating that my deposit would be available XXXX and still nothing. No further communication has been received from them.
Consumer complaint received 2024-04-11
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MS)

I held two NO FEE accounts with Compass bank which were then acquired by PNC bank in their purchase of Compass. These accounts were converted by PNC to FEE BASED accounts without my notification or consent.

I was unaware of there change of the accounts to fee based accounts because I was never notified by PNC of their change.

PNC charge fees to the accounts, without ever sending me account balance information until such time as the accounts became overdrawn. Only then did PNC notify me of my accounts being in arrears. I then contacted PNC to close the accounts and pay what I owed. I spoke to a PNC representative names XXXX, who closed my accounts and indicated everything was properly addressed. 

Later I received notice from PNC that I had an additional late fee, which upon notification, I promptly paid by credit card. Nonetheless, they submitted an adverse credit event to the Credit reporting agencies. 

I an writing to dispute PNC converting my NO FEE Compass Bank Accounts to PNC FEE Based accounts without my knowledge or consent or me or giving me the opportunity to immediately close those accounts. As a result of their negligence, I have suffered direct financial harm ( loss of principle due to fees ) and negative credit reporting ( due to an overdraft caused by fees ).
Consumer complaint received 2024-04-11
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)

Upon examining my credit report, I identified inaccuracies in certain information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the XXXX and Transunion credit bureaus to authenticate these accounts. Failing to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. The following accounts listed on my credit report require investigation and correction due to their erroneous reporting. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-11
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I received ANOTHER notice that my Citi Costco Card has been closed again. I suspect that it was closed because I have paid off this account and there is no outstanding balance. Another reason I believe the account was closed is because they attempted to take money out of an account that I did not authorize them to take money out of, which ended up being a return payment. Instead of notifying me about the return payment, they closed my account.
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Over the past two days, Comenity Bank has called me 4 times within 60 seconds. They do not leave a message. On one instance, I had answered and told them to only contact me by mail - to which they then hung up on me. They have not respected my request. They are harassing me. The number that keeps calling me is XXXX.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I contacted XXXX XXXX XXXX in XX/XX/XXXX about a debt collection for a Walmart credit card that I was unaware was opened in my name in XXXX and am now being garnished through a court order through the XXXX XXXX XXXX XXXX in Arizona, reference case number XXXX. I asked XXXX XXXX for a copy of the case files and documents to report the fraud in their system, they co formed my updated address over the phone however the documents were never received. I asked the court for a copy of the case files as portfolio recovery did not want to disclose the details and referred me to an attorneys office they partner with. The attorneys office stated they would send the original contract to my updated address however this never arrived. XXXX XXXX XXXX XXXX provided the case files and the affidavit of the process serve documents where I found that an obsolete address was served in XXXX to an unknown person that does not fit my demographics. To date, I have not heard back from XXXX XXXX XXXX or the attorneys office they partner with to submit the garnishment documents to the court.
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

The Consumer Financial Protection Bureau ( CFPB ) has ordered installment lender OneMain Financial to pay {$20.00} XXXX in redress and penalties for failing to refund interest charged to 25,000 customers who cancelled purchases within a purported full refund period, and for deceiving borrowers about needing to purchase add-on products to receive a loan. OneMain will pay {$10.00} XXXX in refunds to consumers it harmed, and an additional {$10.00} XXXX penalty to the CFPBs victims relief fund. 

The one main financial never called me and kept charging me high amounts of interest
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

XXXXXXXX XXXXXXXX XXXX XXXX XXXX Please remove judgement and account off credit lexis Nexis and other tenant screening As i access my credit profile I see XXXX XXXX XXXX  on my account ..XXXX XXXX XXXX was accessed in a XXXX XXXX bankruptcy case XXXXi was not provided any validation information from no creditor upon this being in my credit report tenant screening this violates my information under 12CFR-1006-34 ( b ) ( 5 ) This has violated my consumer rights I had no chance of disputing and not aware of this on my credit report
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part D 1666b Quick search by citation : Title enter title Section section 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I submitted a request for my PMI to drop due to appreciation on my home on XX/XX/2024. I cited appreciation from market conditions and listed a few projects we have done that increased the homes value. Flagstar publishes an SLA of 30 days to respond to PMI drop inquiries. I followed up on XX/XX/2024 as they never responded. On my XXXX statement I still see the pmi. 

I want the pmi dropped.
Consumer complaint received 2023-06-08
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2022-11-25
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. (GA)

This is my XXXX 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 Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.