davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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. (CA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus reported back to after my initial complaint back in XX/XX/2023 that my account was properly investigated and reported accurate, which is impossible because as of my most recent credit report XXXX XXXX account # XXXX The Amount that I owe is report inaccurately The Date opened are all reported inaccurately by TransUnion XXXX XXXX XXXX & XXXX XXXX 
The No. of months ( terms ) are reported inaccurately by TransUnion, XXXX, & XXXX. 
The High Credit is reported inaccurately by TransUnion, XXXX, & XXXX. 
The Last reported is reported inaccurately by TransUnion, XXXX, & XXXX. 
The Date last active is reported inaccurately by TransUnion, XXXX, & XXXX. 
The Date of last payment is reported inaccurately by TransUnion, XXXX, & XXXX. 
XXXX reported OK on time payments from XXXX XXXX XXXX but XXXX reported XXXX XXXX XXXX for Charge-off from XXXX XXXX XXXX. 

I reported this to TransUnion, XXXX, and XXXX in XXXX XXXX XXXX  about the violation of 15 U.S.C 1681 section 602 ( A ), 15 U.S.C 1681 Section 604 ( A ) Section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information. 

Ive already contacted XXXX XXXX  multiple times and they told me to contact the credit bureau as it is the credit bureau that has violated my rights as a consumer, these inaccurate reports did nothing but hurt me financially with my credit score and the business I have going on, I tried to rectify the issue over 90 days ago to have the information corrected and nothing was corrected but my address and a few other miscellaneous things on the report but nothing from this XXXX  issue and over 90 days is unacceptable this is grounds for a lawsuit against the credit bureau Im making last effort to request the credit bureau now remove the account associated with my name as I have contacted to XXXX XXXX and they said if the account is going to be removed it has to be done by the credit bureau because my credit report accuracy issue is with the credit bureau.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

In 2006 I was scammed in buying this house, I didn't know that the XXXX women I was dealing with were scammers, they forced me to buy this house and they signed my name on different documents behind my back, i put all my money that I got from my accident into my house only to find out that XXXX XXXX put her name on my property without my knowledge and went on get loan my forged my name by signing documents that I didn't know was going on, the court gave the order for me to pay the bank and save my house and the bank is suing XXXX XXXX by to save my house i from foreclosure i need help please because I can't loose my house every cent i got is in this house if someone can please call me ill tell everything, all the attorney i got to help me just take my money and leave me, so the XXXX  gave me XXXX XXXX XXXX to take up my case, im not well because of the STRESS that im going through, XXXX XXXX is going to send you all the documents that you need to h
Consumer complaint received 2023-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NH)

On XXXX I did file a dispute online as well as submitted documentation via the Equifax web site. On XXXX I followed up with this Acton to ensure that everything was received to ensure the fastest most accurate service for myself. After roughly six minutes cooperating with a machine to reach an agent I finally prevailed and began speaking with someone who identified himself as XXXX XXXX. To my astonishment XXXX began telling me that in order to process a dispute on my behalf I would need to first begin paying for one of the companies offered services to be able to process such request and that they had not received any sort of dispute. I informed him that that was a very accurate statement that violated the FCRA. I then asked for information to identify what report the supporting documents I planned on mailing in to the agency I would need. He then told me that I needed to supply a copy of my ID front and back as well as a copy of my social security card with the document. Baffled I responded that this day and age no one in their right mind would send both identifying documents in the same envelope as that would be everything necessary to steal my identity. I asked for a member number, report number or reference number for my dispute to get the documentation out to the dispute. He again reiterated that there was no dispute so no reference number and they don't use any of the other numbers I was trying to obtain to facilitate this request. I then became very disgruntled and asked to speak with a supervisor as well as obtained identifying information about the individual I was speaking with to later report it as I am doing now. The supervisor 's name was XXXX and although he began speaking a foreign language when he initially got on the phone the conversation quickly turned around. Instead of having to send XXXX the information XXXX said they did not receive XXXX was very kind, courteous and understanding and made me feel at ease knowing I had already completed everything I had initially been told that I did not by XXXX.
Consumer complaint received 2020-12-15
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-15
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. (IL)

Dear DEPT OF TREASURY, Transunion & XXXX : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND TRANSUNION including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MYLEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute to the Credit Bureaus on XX/XX/XXXX and on XX/XX/XXXX and I am not understanding why Experian and XXXX  is not responding to my dispute requests at all. This is not right. I want these negative items deleted immediately. 

XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX- XXXX NOT MY ACCOUNT US DEPARTMENT OF EDUCATION- XXXX-UNVERIFIED ACCOUNT US DEPARTMENT OF EDUCATION- XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XX/XX/XXXX
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (GA)

I received a letter from XXXX XXXX regarding a fraudulent debt that FORTIVA has already stated theyd cancel/waive this due to identity theft ( See attachments ) however XXXX XXXX is trying to collect on a fraudulent debt.
Consumer complaint received 2023-06-09
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. (IL)

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 2023-06-15
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. (OH)

I tried fixing this issue. This is a new inquiry that reported on my Credit Report without my consent XXXX XXXX XXXX XXXX XX/XX/2023. This need to be removed immediately. Under 15 USC 1681c-2 this need inquiry need to removed.
Consumer complaint received 2024-03-03
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2020-12-15
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
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. (NJ)

Dept of ED has been on my credit for years. Ive told them countless times I am not the owner of this account and they continue to show on my credit please help withthe removal of this account
Consumer complaint received 2021-07-28
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. (TX)

File a dispute with Experian, in XX/XX/XXXX and XX/XX/XXXX. I have 2 accounts that show status date XX/XX/XXXX and XX/XX/XXXX Experian did not investigate nor the companies I will upload the proof of my report on each account. Ordinal status dates from when account was open. I want these 2 accounts deleted.
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NJ)

in XXXX of 2017 Citi mortgage sent a check to pay my taxes ( they do not escrow them ) while in the tax office to pay them we saw the check and told the tax collector to return the check to Citi, which they did, after a couple days we called Citi and they confirmed that they received the check but since then have continued to escrow taxes to the point where a XXXX is now over XXXX $ after repeated calls to Citi, and every time they confirmed payment, they continue to increase the balance on this loan and will not correct the mistake to the point where they are reporting to the credit agencies and my credit has gone from XXXX to XXXX in 1 month, as of now they are threatening forclourse we have never been late or missed a payment, we are getting no satisfaction and it seems like they just want to take the house, do n't know where or what to do next
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

Hello, around XXXX of XXXX i applied for XXXX to repair my credit i have made several payments rather has not reported to my credit profile then I tried calling them like 50 times and emailing them several times because I can't access to my account profile on XXXX they have not called nor emailed me back now it XXXX of XXXX and they are reporting nagitive on my credit report Experian
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Account was frozen XX/XX/20 for " further investigation. '' Capital One said they were working alongside the SBA to investigate instances of fraud, and were terminating our business relationship. ( Multiple agents with the SBA have informed me this is not true and my account is in good standing. ) I attempted to verify the validity of myself and my EIDL funding to Capital One XXXX  many times, but was simply told my account was " still under review. '' XX/XX/20, {$2400.00} was withdrawn from my account, with no information provided as to where it had gone. Account was closed on XX/XX/20 and a check for the remaining balance of {$3.00} was mailed to me. 

Per the initial email provided by Capital One XXXX, " Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account, '' however, Capital One XXXX  never contacted me further and provided no option to transfer to an external checking account. ( Note : " your '' linked external checking account. ) I filed a complaint with CFPB regarding this mess prior to the funds being withdrawn, but have been unable to reach the person who responded. " XXXX '' replied with a vague letter and phone number ( XXXX, ext. XXXX ) that has directed me to a voicemail on all six calls. I have left six messages over the past two weeks and have yet to receive a callback.

I have spoken with four different agents with the SBA since this began, and all four have assured me that the SBA is
not involved in this matter in any way, and just today confirmed that my EIDL balance remains at the original amount of {$18000.00}. If the {$2400.00} had been returned to the SBA, they would have been aware of this credit to my account and my balance would now be {$16000.00}. ( All SBA agents have said returning money to such an account via ACH is not even possible ).

I would like to be provided with evidence of this supposed transfer from Capital One XXXX, as I am beginning to feel I have literally been robbed. I do not care about continuing a relationship with XXXX ; I just want to know what happened to my money. 

My next steps will be filing a complaint with the SEC, seeking legal counsel, and pleading my case to every Capital One persona I can find on social media.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX XXXX I Tele deposited a {$1000.00} check drawn on XXXX XXXX savings into my Bank of America checking acct!! 
XX/XX/XXXX BoA recieved funds from XXXXXXXX XXXX  ( confirmed by both banks ) XX/XX/XXXX BoA took a {$1000.00} from my account!! After hours of calls and abuse BoA said XXXX XXXX cashed the same check on XX/XX/XXXX?? 
I spoke to XXXXXXXX XXXX and they did not cash that check!! And XXXX never recieved a second request to honor the same check!! BoA said checks don't have to to back to where drawn on!! Doesn't make sense to me
Consumer complaint received 2023-06-09
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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
Consumer complaint received 2023-03-20
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)

Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( 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.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and XXXX data breach and may have got into the hands of the wrong person.