davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX, XXXX and Transunion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date XXXX Balance : {$3300.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. 
SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-07
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: Experian Information Solutions Inc. (SC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (AR)

XXXX transferred my HSA in late XXXX. I got my first statement in XXXX XXXX. 
XX/XX/XXXX I called asking for a closing form. I was told I had to wait 24-48 hours for that to process. 
XXXX I called. XXXX said she would add a 'ticket ' to the request. I was told to wait 24-48 business hours. 
XXXX I called. XXXX immediately emailed me the closing form and explained that I needed a 12-digit account number and the 16-digit access number which should have been sent to me separately. I had not received this and asked for these to be sent as this can only be done by mail. 
XX/XX/XXXX I calledXXXX said the kit had been mailed XX/XX/XXXX and the card on XX/XX/XXXX so I should wait. She said they are sent in " unmarked white envelopes. '' XX/XX/XXXX I called. XXXX said that the account had been closed and a check had been mailed on XXXX XXXX. She refused to state where the check was mailed. ( XXXXXXXX XXXX XXXX, at my request, had mailed a request to transfer the HSA in early XXXX ). XXXX now refused to remail the kit and card because the account was " closed. '' XXXX I called because neither I nor XXXX XXXX had received a check. XXXX stated that the check was mailed XXXX and she did not know why XXXX would say XX/XX/XXXX. ( though I notice that that way I was prevented from receiving my needed account numbers ). She refused to say where the check was sent. 
XX/XX/XXXX I checked with XXXX XXXX. They had not received a check nor had I. 
XX/XX/XXXX I spoke to XXXX who had assured me they could help if there were any problems with the transferred HSA. After inquiry, they found that because the HSA had been transferred twice and also because of the privacy act they could not give me any account numbers or help me in this matter. 
Both XXXX and XXXX refused to say where my money was sent. XXXX seems to have made up the XXXX XXXX date and thereby continued to deny me the account numbers I needed to control my account. Not until I talked to the 3rd person did some one stop pretending they could not immediately give me a transfer form. 
My money has effectively been stolen by XXXX XXXX XXXX XXXX I can not get access to it. I do not know where it is.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. 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 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Nationstar Mortgage LLC is not following HAMP Guidelines when reviewing distressed homeowners for loan modifications. Nationstar is not providing full reviews and is merely doing some secret calculation to determine a homeowners ' eligibility for a modification. Nationstar is not providing the appraisals or the data used to run the calculation for a modification in violation of State and Federal law as part of the denial process. When a homeowner requests the XXXX values used to input the HAMP calculation, Nationstar is refusing to supply the information as part of the appeal process.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-07
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. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc. (IA)

I've tried to get in contact with SELF Lender about the Wrong reporting on my account, I had a Credit Card with Self Lender for a year that came with a savings account, at the time I checked my Credit Report they were reporting it charged off, and I tried contacting them to withdraw my money out of my savings account and they wouldn't let me. and I believe I had {$400.00} to XXXX in my saving account over the year and some months I with them. I sent them a letter of to verify what they are reporting is accurate but did not hear back.. I tried to I sent them another letter and still didn't get a response. I sent another letter on XX/XX/2023. its reporting late payments that I don't know of so I need this issue fixed.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I filed fraud claim n XXXX XXXX XXXX  provided police report and XXXX  promised to issue me a check for the full amount that was used because of fraud charges which I never received.
Consumer complaint received 2023-04-19
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)

THIS IS NOT A DISPUTE : This is documentary evidence XXXX XXXX XXXX, registered agent has received the XXXX order that is issued in the United States District Court for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, LLC.,. Case number : XXXX. In addition, ( Plaintiff ) has complied with the order by way of forward a copy of the Court order to the defendant ( s ) ( TransUnion, LLC. ). Please see attachments. Thank you for your timely cooperation. XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Two credit cards have been ran in my name and it was not me. One is capital one and one is XXXX. I would like to report it and find out who is running my information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Under the Fair Credit Reporting Act, the accounts listed below has infringed upon my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX XXXX  XXXX, has violated my rights. 

Failure to provide original contract with the original creditor, Inaccuracies being reporting and a list of other violations that are against the law of the Federal Reporting Credit Act.

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.

15 U.S. Code 1681 ( a ) ( 1 ) 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.

These inaccuracies are hindering my ability to secure new credit cards and acquire a home for my family. The presence of these inaccuracies on my credit report is contributing to ongoing financial strain.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

It is concerning to find an error indicating a late payment on my account, given my consistent adherence to payment deadlines. This inaccuracy is generating unnecessary stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (WV)

I am being denied access to my funds by Current bank. It says my account is under review for security reasons. I have contacted Current twice now and have been told I would receive an email about the issue. I have not received any emails as of yet. When you call customer service they refuse to give you any information or let you speak to the department that handles these issues.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-17
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. (GA)

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX
Consumer complaint received 2023-06-10
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NJ)

Aldous and associates failed to provide a liable signature document showing proof I went to blink fitness and also refusing to remove that fraudulent debt account from my credit report or send any formal documentation or agreement to prove that the collection account is mine
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (GA)

My credit karma spend account was frozen for my protection now im trying to get back in my account and ive called four or five times. ive used the live chat service. every person keeps saying the same thing. they have no information but my case was sent to a specialist team and i should respond to the email that they send. only ive received no email and its been three days since this all started. one person said it would happen automatically. and another person said i have to wait for the specialist team to email me. then another person said it would be unfrozen by tomorrow. that was three days ago.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-10-17
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

case # XXXX The Huntington National Bank I received a letter from The huntington National bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX regarding lender paid private Mortgage Insurance I ask the PMI department to drop the ( {$48.00} ) I received a letter informing me that I have reached the 78 % LTOV and 5 years requirement to have PMI drop but the bank will not drop the insurance, I have called, sent in letters also emailed the company.
Consumer complaint received 2024-03-07
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. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened an account with Citibank on XX/XX/2022. I deposited my first check on XX/XX/2022. They notified me about closing my account on XX/XX/2022. I called and they told me my account has been closed and they cant give me any more information about it.