davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (MO)

This is my 10th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MD)

On XXXX XXXX. I was checking my consumer credit reports and discovered my credit score dropped XXXX points. I checked further and noticed a company called Transworld Systems 1. on my report for {$200.00}. I have no knowledge of this alleged debt or company and the company is supposed to send a document, mail, proof of some sorts for me to dispute this debt. I have not received nothing, and for it just to show up on my reports is not right as the consumer. My credit took a hit for nothing, company did not do their part. 
I sent them a certified letter which they should be received XXXX XX/XX/2022 as a matter fact. Sharing how they violated me. I will be fighting this and I also shared, I want it removed.
Consumer complaint received 2023-05-03
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 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 2023-01-17
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. (FL)

SO I SENT A LETTER OFF ON XX/XX/2022. HERE IS XXXX  TRACKING NUMBER XXXX. TO REMOVE PERSONAL INFORMATION THAT I DO NOT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802 NO FINAICAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE. INCORRECT PERSONAL INFORMATION : NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, FL XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROCTECTED CONSUMER RIGHTS!!!
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my several endeavor to tell credit bureaus 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, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Every major bank ( XXXX XXXX, XXXX  XXXX XXXX, XXXX 's, XXXX, XXXX ) that issues credit cards has four ( 4 ) options for paying a statement balance except Capital One which only has three ( 3 ).

1. Minimum payment due 2. Statement balance paid in full 3. Remaining statement balance which reflects any credits received to offset the statement balance 4. Current balance Capital One willfully chooses not to offer cardholders the option of paying the Remaining Statement Balance ( option 3 ) because they would lose out on billions of dollars in interest-free money paid to them weeks early that is not due to them until the next statement due date. 

I understand their policy is likely legal or their vast compliance department would not authorize it but it is grossly unethical and the laws must be changed to prohibit credit card companies from not offering a Remaining Statement Balance payment option.
Consumer complaint received 2023-11-11
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: EQUIFAX, INC. (GA)

Ive filed several disputes for XXXX XXXX XXXX with Equifax. Ive provided proof that XXXX XXXX is my original lender and not XXXX. I provided proof that the terms and amount listed is incorrect. I requested via certified mail that equifax provide the documents used to verify this account or remove the account if no docs exist and equifax refused. They only responded by saying the account will be removed in 7 years and my personal information was confirmed. I spoke with a agent and she said that they do not have any documents to provide and that XXXX verbally confirm the account belongs to me. I expressed several time that the debt belongs to XXXX XXXX  and XXXX should not be listed as a original creditor on my report nor should they be listed as an auto because i have never had an auto loan with them. Equifax told me that do not have the capability to remove an account and I would need to speak to the creditor to get them to remove it. Although I have my original creditor for that loan on my report as a closed account which is XXXX XXXX sales and proof of my contract with them which is proof that I dont have a auto loan with XXXX XXXX XXXX is providing inaccurate information being the original creditor, 151 months for the term on a auto loan. XXXX XXXX is the original lender and they have went bankrupt and I expressed that the debt was included in a bankruptcy but once again Equifax is failing to investigate properly. XXXX is reporting inaccurately to the credit bureaus and Equifax is failing to investigate properly and protect me as a consumer which has now ruined my credit. If there are no documents verifying that XXXX is my original creditor ( a contract or agreement ) then there is no reason Equifax should be refusing to remove the account and telling me to contact the creditor.
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I have 5 late payments of 60-90 days between XXXX on my credit report, I called and asked to have them removed after being in good standing for 6 months at which time they denied my request.
Consumer complaint received 2022-11-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hello, My name is XXXX XXXX and I am writing on behalf of my father XXXX XXXX, who is not getting any information from Citizens Bank. 

My mother did the banking and she passed away from XXXX on XX/XX/XXXX. My father does not speak much XXXX and has medical issues, so I have been handling his finances. 

We were made aware in XXXX of XXXX that my parents home equity line of credit was coming due. They were offered a loan modification with a 4 % interest rate on their loan that has XXXX left to pay. 

I contacted Citizens and advised them that my mother passed away. I was told to have my father sign the document and send this in plus a copy of my mothers death certificate. 

I spent the next XXXX  months calling Citizens and was ensured that we would get a call back. This did not happen until XXXX when I was told that they lost the documents and wanted me to submit the docs again, While waiting, we saw the interest rate and payments go up. My father is on social security and lost the second income to the home when my mother died. I stressed this to the bank and was told they were going to help him. 

All of a sudden they converted my father into a mortgage without our knowledge and have doubled his payments. I called multiple times and asked about the status of the loan modification and I can not get anyone to return my call. They just tell me that the loan is still in process. 

My father and I believe that Citizens are withholding information and are not giving us any information in order to not process the modification. This is not good Customer Service and we hope that someone can help us to understand what is going on. 

My family does not need this headache, especially after losing my mom. 

If someone can contact me it would be appreciated.
Consumer complaint received 2024-03-11
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. (PA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX  - Account Number:XXXX XXXX
Consumer complaint received 2023-07-27
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. (CA)

I started disputing accuracy of the accounts with the collection agency 's for one whole year now, I ask why they are inaccurately reporting this charged off a account with a monthly balance for the past couple of years, this is a violation per the FCRA section 623 section 5. Furnishers must only notify the credit reporting agencies the date, month and year when the account was marked as a charge off. Additionally I keep asking them to validate the alleged debt. They just keep on sending itemization of charge which is not debt validation. I ask them for proof of the initial contract and or my wet signature. they have failed several times. The is affecting my credit worthiness and i demand this to be removed from my credit report immediately.
Consumer complaint received 2023-07-27
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. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance XXXX : {$210.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$890.00}.
Consumer complaint received 2023-05-03
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
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: Experian Information Solutions Inc. (PA)

in accordance with the Fair Credit Reporting Act XXXX Account name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Dept of EDXXXX, XXXX 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 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, 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)

I have been a XXXX XXXX customer since 2023 and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot : XXXXl & quot ; adjustment to your reporting to the three credit agencies. I have two negative inquiries on the above referenced account that date back to XXXXSince that time I have been an exceptional customer paying every month on time.Because of my exceptional payment history over the last 6 months, I would like you to consider removing the negative inquiries from my credit report.At the time of the negative inquiries, I was in the process of changing jobs. I say that not to justify why the inquiries was over the utilization, but rather to show that the negative inquiries are not a good indicator of my actual credit worthiness. I hope that Equifax and XXXX is willing to work with me on erasing this negative inquiries from my Credit Report
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX  reported to the 3 credit bureaus without my consent, knowledge or doing so myself. The only way that transunion, XXXX or XXXX could have this information is through fraud of my identity. File document below states that the U.S Bankruptcy Court District of Maryland  does not report any information to the credit bureaus. My objective is to remove these reports from my credit file due to said fraud. 

TRANUNION. 
XXXX. 
XXXX.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (KY)

I have been a victim of cybersecurity since XXXX. In XXXX, I had been XXXX  in my home and suffered XXXX XXXX XXXX Soon after, I changed my accounts after several checks and withdrawals which I was only partially awarded. I'm owed {$1100.00} from this occurrence from last XXXX. Without asking, the man at the bank chose I start a new account, and never had given what I was owed. I had reported 12 months of fraudulent claims, but not even half were answered although 12 months consisted of a false transaction every month. I had a fraud alert added in XXXX, after being denied thousands. I wasn't the same person after my XXXX XXXX until the end of XXXX, when viewing my XXXX account and seeing 20 straight days consisting of over 400 false transactions plus the fact a new account had been opened and I had to learn it through XXXX. When I called them, I could tell they were caught off-guard and hadn't seen this yet. I asked of a new account, which they denied on the phone and my next visit to the bank. This happened again another month later, but I've been unable to call out, access my XXXX app, or my XXXX account besides a very few times. I can't remember how long since my XXXX  has been accessible, my XXXX  account took 4 months until an affidavit to the FTC, and there I learned of two more accounts that had opened. I called and stayed on the phone for an hour each month, unable to see any statements of their wrongdoings until finally finding a ride to the bank by my friend. It doesn't matter how many times I tell them of these false claims they never tend to answer them so then I decided to buy XXXX XXXX in XXXX to show my biometrical position. I rarely leave my home, and there are charges nearly everyday showing on my statements. I only claimed the ones I know were not me, and I bet there are plenty more. I don't have any idea of why I should have to be charged to pay off other accounts with my sole account either
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, EXPERIAN AND XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that EXPERIAN AND XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.