davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USA N XXXX Date Opened XX/XX/18 Balance {$410.00} I am concerned with the quality and precision of your current inspection as well as the delayed payments needed for this particular account and also how it is reporting on my credit report. Around 45 days ago I applied for an investigation because I assumed the item is just not being cited most recently. To my big surprise, I got a letter announcing that your evaluation was achieved and that the item had been " verified as correct. According to Section 1681 ( g ) make sure you provide me personally along with a summary of the process accustomed to verify that this particular account is " complete '' and post me the name and addresses of persons got in contact with per legal guidelines located in the FCRA.
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

National Credit Systems continues to report this fraudulent debt with the XXXX XXXX  although it was disputed and deleted from my credit due to fraud. I have sent several disputes to this company to delete and it keeps showing up in other places. I am demanding this fraudulent debt be deleted PERMANENTLY from ALL SOURCES as it violates my rights and protection as a victim of identity theft. This is causing me a great deal of stress as its affecting my ability to secure housing for me and my family and if not deleted asap I will have no choice but to seek legal remedy.
Consumer complaint received 2021-02-05
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. (GA)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.
Consumer complaint received 2021-02-05
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 continues to report a debt that is not mine. Due to this fact XXXX has stated that they will no longer attempt to collect on the alleged {$550.00} debt. However they have not removed it from my credit report. I never authorized this account. This is not my debt and in accordance with the FCRA this should not remain on my credit report.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HUNTINGTON NATIONAL BANK, THE (CO)

In XXXX of 2022. I was banking with Hummington Bank located in XXXX Colorado. Upon helping a friend a deposited a check that was written to him from a person who was purchasing some photography equipment. The lady at the bank said there would be a hold on the the check written to XXXX XXXX. I went ahead and took out the funds for my savings account thinking that the check was legit. Come to find out it was fraudulent and it was not a good check. No money was taken from the bank it was taken out of my savings. And then the bank rudely closed my account reported me to warning check cashing company and now I can not obtain a checking account anywhere. This is brought many worries and problems to me in my life. For I need to have a banking account to pay certain bills. Would have been asking today is this somebody can help me figure out a way for them to take this off my record for it was not my fault. They put a hold on my money for XXXX weeks which made me have late payments also caused XXXX XXXX  due to the short ness of funds for I am currently on XXXX entertain very little money at the end of my monthly check. So the money that I have saved up was for my bills and for any emergencies that would arisXXXX XXXX XXXX XXXX XXXX on a way to take care of this problem I turn to you to ask for support to see if you can lead me to somebody that will take this off my credit report so that I could obtain a bank account once again. Sincerely I do have documentation of these transactions they have made without my approval and without them giving me righteous information on what they were going to do I just have to get to it I just moved into a house and everything is still packed up. So once you receive this letter contact me and I will be able to submit more information with the account numbers and dates as well. I just feel that this bank has caused me great stress and has no concern about my well-being the way they treated me with all discrimination of me not being no fault in my own for any of the check problem that was handled incorrectly. Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (MD)

This is my third endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KS)

XXXX XXXX XXXX XXXX  was Loan originator. They were the worst mortgage company I have ever had to deal with, they were very litigious with a legal department incessantly seeking opportunity to assess legal fees and force default. The Loan was sold to Shellpoint Mortgage Servicing who have turned out to be an even worst nightmare. 
They routinely assess fees basically for just holding the loan. If your property taxes or insurance goes up watch out as it will be a XXXX to assess additional fees and they will never communicate any of this beforehand and filing an appeal or compliant is useless. They both will undoubtedly do well in the current COVID afftected economic downturn and many will lose their homes and property to their unfair practices.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I never lived in XXXX XXXX XXXX XXXX, GA XXXX someone was using my information to attain credit I didn't authorize NOBODY to do so and All the credit bureaus are not cooperating to help me delete off credit i contacted them several times and I also dispute these account nobody cares and no one what's to do anything I send in my police report they still didn't do anything
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Radius Global Solutions LLC (TX)

Was sent a debt noticed via mail and I requested the debt to be validated. 41 days after sending that letter and receiving no response, I sent an additional letter and have still yet to hear a response. 

It has been nearly two months since that time and I have yet to receive a response from the company. The company, who is representing XXXX XXXX XXXX, is still reporting inaccurate and unfair information to the credit bureaus after failing to validate debt. 

At the time of this complaint, this debt has not been sold and is the sole owner of XXXX XXXX who is being represented by Radius Global.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2020 I sent Experian, XXXX, and XXXX dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed. 
They did in fact received my dispute information and I have proof of mail service that it was received from the bureau. You all believe them and now I will be filing a claim against you all. I have proof of service that my disputes were received.
Consumer complaint received 2021-02-05
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Fidelity Creditor Service. The Account Opened is Fidelity Creditor Service Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2023-06-07
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)

Method of Verification for Transunion : This notice is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX Account # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Paypal Holdings, Inc (CA)

I have it set up that Venmo gets a deposit when my EDD payments are made. I had an outstanding bill of {$5.00} for less than a week when my deposit of XXXX dollars hit my account ( while trying to get a refund from a person that i had paid for a service refuses to return what i had paid them for good not received since the order in XXXX of XXXX ). On XX/XX/XXXX i received my EDD transfer after waiting over 5 weeks to get payment of only 3 weeks, i have way more in my Venmo account and they will not release any of my money for another 3-5 business days ( which after looking on their website never states that this is their policy ) I did chat with a employee there on XX/XX/XXXX and they assured me that my direct deposit would still go through even tho they froze my account and DID NOT tell me that even after the money was in the account they would still have a hold on my account. Now because of the wait getting my EDD payment and not even getting the full amount owed to me, it will now take almost another week to get the over XXXX XXXX  dollars that I now have in my account and I have explained that i desperately needed that money to put food in my house because of the long delay of getting my unemployment benefits. They would not even at that point release my money, not even a portion of it.
Consumer complaint received 2023-01-02
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. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-01
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. (NC)

I am writing to address a matter of urgent concern regarding XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.
Consumer complaint received 2023-06-07
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK (MD)

When trying to transfer my Roth IRA from Commerce Bank to XXXX, Commerce Bank ( XXXX XXXX ) sent my funds via regular USPS on XX/XX/21. I continued to follow up with XXXX to see if they received the funds and as of today XX/XX/21 they still have not. When I spoke with XXXX ( who would not give me his last name ) at XXXX he said they wouldn't accept the funds at this point because it was beyond 10 days since the cashiers check was issued. He told me to call Commerce and have a stop payment put on the cashiers check and have it make out to me personally. I told him I did not want to do this for tax reasons, but he said that was the best way to handle it. When I called Commerce to ask them to place a stop payment on the check, and issue one to XXXX on my behalf by wire or XXXX XXXX mail, XXXX said they can't put a stop payment on a cashiers check for 90 days. My IRA is closed with Commerce, I am not earning interest on my account because the money is sitting in some post office somewhere. It should have never been sent via USPS in the first place. XXXX will not send a letter to Commerce saying they have not received funds, which is what Commerce is now requiring to make an exception to put a stop payment on the cashiers check. I have no idea where my money is, my account is closed and I am being given the run around by both institutions. I need help. I want to made whole, by having commerce wire not only the original funds, but the additional interest I would have been earning at XXXX.
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-05
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. (NY)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.