davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX XXXX I received an alert from XXXX XXXX stating that my capital one account had been deleting from reporting, today I received another alert that it had been reinserted into my XXXX credit file in which I have not been informed 5 days prior to reinserting 15 USC 1691i ( B ) requirements relating to reinsertion of previously deleted material. My consumer protected rights have been violated on multiple occasions and I do not understand why. Please discharge this account information from your books as it is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with Capital One equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hello i recently sent a letter to equifax on XX/XX/year> in regards to some accounts they have listed as collections. I asked for them to send me the method and information they used to investigate these debt collectors.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Eastern Account Systems of Connecticut, Inc. (IN)

My information was wrongly used I had a fraud alert on my credit profile I didnt create these collections on my account I would like to remove all collections or inquiries on my credit profile I didnt have any idea my credit profile was being used
Consumer complaint received 2024-01-22
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. (MD)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2023 I tried to get a cash advance from my credit card using an atm machine. The transaction was declined and stated unauthorized request. I didnt thin anything of it until I saw the amount withdrawn from my account in the coming days. I disputed the amount with my bank, and thought it was all taken care of and then saw the charge reappear several weeks later. They said the atm. XXXX  provided proof that the amount was delivered : I have yet to see any proof and I know that the amount was not dispensed as I never received the cash. Ive tried to call the bank on several occasions but each time I am told a new reason why I cant be helped.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2023 I was notified by XXXX XXXX that my credit score had changed. When I logged in to view it I noticed it had dropped 60+ points. Confused I started to look at why it had dropped and noticed I had 1 derogatory mark on my XXXX and 2 on my XXXX. Looking at those they are 2 separate collection companies, Transworld Systems and XXXX XXXX, looking for debt payment. The original debt owner is XXXX XXXX... I have never had an account with XXXX XXXX. One amount is for {$540.00} and the other amount is for {$360.00}. I called XXXX to ask how this happened and was told they had 3 total accounts under my social security number but not all with my name and all 3 were in cities I have never lived in. I have filed a police report ( # XXXX ) and XXXX has started a fraud investigation. I also put a freeze on my XXXX, XXXX, and XXXX accounts. 

As a result of this my husband, XXXX XXXX, checked his credit report and has 7 reported debt collections from Transworld Systems, XXXX XXXX, and XXXX XXXX  with the original debt owner being XXXX XXXX. The amounts on his credit report are : {$500.00}, {$570.00}, {$600.00}, {$910.00}, {$150.00}, {$700.00}, and {$370.00}. I called the police and they said we can use the same police report ( XXXX  XXXX ) since our issues are with the same company. After that I called XXXX to see how many actual accounts they had under his social security number and they told me they had 60 accounts all in cities he has never lived in. They have started their fraud investigation and told me I should go to the FTC to file a report which sent me here. We have also put freezes on his XXXX, XXXX, and XXXX accounts.
Consumer complaint received 2023-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

I was in a XXXX XXXX and my case was dismissed .My family was affected by XXXX XXXX, I lost my job. I requested forbearance was ignored. I requested loan modification. All applications were marked received but the company would never comply with my request for my FHA loan. I even got an approval letter had it notarized and sent back for processing and was told my application was denied because a middle initial was left off a signature page. We quickly redid the entire application paid the notary fee again and the mortgage company replied a week later saying they received an email from my former attorney that said we wanted to cancel our request. The lender would not supply a copy of the letter/correspondence and said there were no relationship managers available to assist me for 30 days. With a day of this phone call I began receiving a letter per day, one application, two rights and responsibilities, 3 statement, 4 preforeclosure letter. No one will return my call or work with me on my FHA loan. I even sent the full amount of 5 months and my payment was returned. I also saw my final bankruptcy payment is listed on my statement and said unapplied. This loan servicer is not willing to comply or accept any terms established to help save homes.
Consumer complaint received 2024-01-22
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)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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
Consumer complaint received 2024-04-13
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. (TX)

Despite providing comprehensive evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. I would like to follow up the ongoing issue regarding the removal of fraudulent items from my record. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13
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 was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX is tremendously hurting my ability to obtain credit and needs to be deleted immediately
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (FL)

XXXXXXXX XXXX {$340.00} XXXX {$340.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$5400.00} THIS ACCOUNT WAS ADDED TO MY CREDIT REPORT .I WAS A VICTUM OF FRAUD AND HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I NOTIFIED XXXX XXXX AND EQUIFAX WITH A IDENTITY THEFT REPORT TO LET THEM NO THESE WASN'T MY ACCOUNTS. I HAVE NOT HEARD ANYTHING BACK FROM THEM AND ALL ITEM ARE STILL ON MY CREDIT REPORT. CAN YOU PLEASE LOOK INTO THIS MATTER AND DELETE FROM MY CREDIT FILE.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Balance : {$620000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2024-01-22
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. (TN)

The Following Accounts Were Opened Fraudulently Without My Permission Or Authorization, I Demand For Them To Be Removed Immediately By Law XXXX. XXXX XXXX - Account Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX INQUIRES XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
XXXX, and XXXX continue to report false information in : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-30
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: WELLS FARGO & COMPANY (SC)

Starting in XXXX of XXXX, I started getting letters in the mail that said I applied for ; a XXXX XXXX XXXX with XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX, and another Credit card with Wells Fargo. I have called each Company to report this is Fraud. I froze all of my Credit and signed up for Fraud alerts. I have also gone to the Police department to receive a report. Unfortunately, I have missed-placed any other letters that were sent through my mail, so I only have three.

Dates when received by mail : XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo XX/XX/ Not sure what else I need to do to protect myself..
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I took out a vehicle loan from XXXX XXXX XXXX XXXX  for a XXXX XXXX XXXX in XXXX of XXXX  and finished paying the loan in XXXX of XXXX. I remember at a point seeing that I was marked late for the final payment I made in person, which I reached out to the bank about. I was advised that it was an error and no payments were late. On my XXXX, the account is marked as PAID/CLOSED/NEVER LATE but when I check XXXX & TransUnion, I see that the same payment I complained about in XXXX  is still present on my report and calculated as a negative mark. Its confusing because I dont see it on all Bureaus and I was advised that I had no late payment.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX  opened on XX/XX/XXXX {$3000.00} XXXX  XXXX opened on XX/XX/XXXX {$3100.00} The creditors above are falsely reporting accounts that were opened without my consent or knowledge.This is a case of identity theft and a clear violation of my rights under the Fair Credit Act Section 609 ( a ). I have already filed an identity theft report as well as a complaint with the better business bureau and identity theft gov and I demand this account be removed immediately from my XXXX, XXXX, and Equifax credit report or I will pursue legal action.
Consumer complaint received 2024-01-05
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

On XXXX XX/XX/XXXX, I telephoned Columbia Debt Recovery LLC, which does business under the name Genesis, and lists as XXXX  XXXX in XXXX  XXXX, to resolve an issue pertaining to its claim of an outstanding debt for unpaid rent at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. I stated to the debt collector that the debt occurred as a direct result of identity theft and still appears tenant screening reports in addition to all credit reporting agencies. Columbia Debt Recovery has not only threatened formal litigation and but also continuously reports adverse credit information to all credit reporting agencies which has resulted in denial of housing, credit, and employment. The most recent information Columbia Debt Recovery LLC/Genesis supplied to a XXXX XXXX XXXX XXXXXXXX  between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX is after the statute of limitations for the debt collector to send to credit reporting agencies in violation of the Fair Credit Reporting Act and Fair Debt Collections Act.
Consumer complaint received 2023-05-24
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. (IL)

This is my another 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
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. (MD)

Referring to Account # XXXX from XX/XX/2017 with an amount of {$16000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been well over 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Cakiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote + consumer. No consent was given.
Consumer complaint received 2024-01-21
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. (CA)

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. 

XXXX : # XXXX, XXXX : # XXXX, XX/XX/XXXX : XXXX XXXX, XXXXXX/XX/XXXX : # 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 : States a consumer reporting agency can not furnish an account without my written instruction.

15. U.S.C 168c. ( 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.

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 2022-12-01
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)

My phone and wallet was stolen out of my car along with my social and DL They open a credit card through XXXX  XXXX Ive tried to close the account but they keep tryna tell me Im the one that opened The account which is not true very bad customer service XXXX  XXXX XXXX
Consumer complaint received 2023-05-24
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)

I had reached XXXX XXXXXXXX XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.