davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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. (NJ)

Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank recently changed there online banking site. 
Since that time when I log into my small business account, everything comes up normal. 
I can see my account balances and debit card payments " BUT '' when I click onto pay bills a pop up appears saying lets get you started so clicked on it and verified that everything is ok then I click on pay bills the same message pops up over and over again. I physically went to a branch office in XXXX MA. The woman did all she could to try and resolve the matter, but she could not get any results. It has been over six weeks and no one has gotten back to me to try and resolve the problem. I have not been able to pay my bills on line and Most important I can not accesses past history or even look up the list of my customers or creditors. I cant even change banks because all my information can not be pulled up.
Consumer complaint received 2024-05-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

The company Illegally foreclosed on my property the XXXX XXXX had been canceled at XXXX XXXX clerk 's office the company had no right to send the property to foreclosure title has been cleared on the property which makes the company action unlawful and i also have paperwork showing where the company acknowledged where the loan was paid in full
Consumer complaint received 2023-06-21
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. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-21
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (GA)

Recently I use a refer link from my friend to open a XXXX saving account. I opened the account smoothly and deposit XXXX dollar in the first week. Everything looked fine until I deposit another amount of XXXX $ from my original payment account into this one.Both deposit are made by the same account but now they have locked my saving account. 

I phone them fist a week ago but they are unable to send me a verification code for a reason they can not say. They keep asking me if I have any other phone numbers but I only have one us phone number. 

I asked for any other alternative verifying but XXXX has transferred 6 different agents and told me the only other way I can get my money back is to close my account. After waiting for another half an hour when they proceed to help me close my account they still say they need to verify my identity for closing the account. 

They told me that they now started a case to investigate the process but XXXX agents are unable to answer me any questions regarding how long the investigation will take and when will I close my account and how I can track the process. 

I really hope someone could help me out because I am still a university student and these are the amount of money I need to depend on for the summer.
Consumer complaint received 2023-06-06
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. (FL)

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 investigated/removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block 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
Consumer complaint received 2023-06-06
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account XXXX and Account 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 an account without my written instructions.
Consumer complaint received 2024-03-27
Product: Credit reporting 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. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-06-06
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-06-21
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. (CT)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

Dispute of Inaccurate XXXX loan Information and Violation of FCRA Law I have recently obtained a copy of my credit report from your bureau and discovered that it contains inaccurate XXXX loans.I am writing to inform you that you have violated the Fair Credit Reporting Act ( FCRA ) by failing to investigate my previous disputes of inaccurate information on my credit report. 
I provided you with clear and convincing evidence that this information was inaccurate, including copies of of my credit report. However, you failed to investigate my dispute and remove the inaccurate information from my credit report.

This failure to investigate my dispute violates Section 611 ( a ) ( 3 ) ( B ) of the FCRA, which requires credit bureaus to investigate all disputes received within a reasonable time. It also violates my rights under Section 620 of the FCRA, which gives me the right to have inaccurate information removed from my credit report.

I am requesting that you immediately investigate my previous disputes and remove the inaccurate information from my credit report. I am also requesting that you provide me with a copy of your investigation report and a copy of your updated credit report I am aware that under the FCRA, I am entitled to actual damages, punitive damages, and attorney 's fees if you have willfully violated the law. I am reserving my rights to pursue these remedies if you do not resolve this matter to my satisfaction. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-06-04
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. (OH)

the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-04
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. ()

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Credit reporting agencies are reporting negative reports and affecting my basic human rights to survive as a man I am getting denied basic needs such as housing, shelter and personal needs to live. My SSN was found on the dark web.
Consumer complaint received 2023-06-04
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)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, 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 investigations, 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.
Consumer complaint received 2024-06-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I have little or no credit and I needed money for a man who said he had to have the money to get me a XXXX through the Federal Government. This was the only company, CashNetUSA.net that said they would loan me the money. Only after I accessed the full amount of the money did I find out that the percentage rate was 299 %. I don't have any way to pay this rate or to pay the money back!
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/17 I purchase a photo package for {$87.00}. The company charge {$8700.00} to my credit card. I opened a dispute to Capital One. I canceled the transaction by phone and email to the company. Also I called Capital One to inform about the fraud they told me that nothing that can do. Finally, after too many phone calls to get answer. Capital One fail my dispute saying XXXX did not accept my dispute because I did not have a cancellation document. I told them I canceled by phone and also by email. I have prove for all documents and also recorded phone calls.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

XXXX/XXXX/XXXX Portfolio Recovery Associates received my first request for debt validation as I do not recognize said debt. 

XXXX/XXXX/XXXX Received Portfolio Recovery Associates first response letter. XXXX failed to provide request information or anything that proves I owe said debt and only provided name, last XXXX of XXXX, debt amount, date account was opened, original creditor name and address. 
. 
XXXX/XXXX/XXXX XXXX receive my second request for proper debt validation, highlighting previously requested information that was not provided. 

XXXX/XXXX/XXXX Received XXXX second copy of bill originally received XXXX/XXXX/XXXX, still not providing requested information or anything proving I owe this debt.
Consumer complaint received 2023-05-18
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)

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. The accounts are listed below : XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed : {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX Balance Owed : {$2700.00}
Consumer complaint received 2023-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/XXXX i traded my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX paid Capitol One and received the title for the transaction. The check was short XXXX and no one was made aware of this. Capitol One put late fees and charge off on my credit report. I obtain a letter from XXXX XXXX explaining how this is their responsibility and that it should not be any late fees or charge offs on my account. I have talked to Capitol one about this 5-7 times now. Each time i was told my account will be fixed, so far no updates. Been trying since last year to fix this situation.