davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (FL)

Subject : Urgent Concerns, Intent to Pursue Legal Action, and XXXX for Validation of Debt Against Transunion Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am writing to express my deep concern and frustration regarding the ongoing inaccuracies and unfair treatment by TransUnion, a credit reporting agency. This marks my second attempt to address these issues, and I am prepared to take legal action if necessary to rectify this situation and protect my consumer rights. Recently, I received an adverse action letter that cited negative outcomes resulting from the inaccurate information reported by TransUnion. In response, I promptly contacted TransUnion to initiate a dispute for the entire credit report and all information within it. Regrettably, my efforts were met with uncooperative and disrespectful behavior from Transunion representatives, who refused to transfer my call and were dismissive of my concerns. Furthermore, during the course of our interaction, I was asked to provide my Social Security number, a request that I find concerning given the ongoing inaccuracies in my credit report. This demand raises legitimate worries about data security and my rights as a consumer seeking resolution. In light of the circumstances, I want to stress that I am disputing the entire credit report, including all information contained within it. I am seeking validation of debt for each piece of information present on my consumer report to ensure accuracy and transparency. I believe that every consumer has the right to accurate and reliable credit reporting, and I am committed to upholding this right. I kindly request the CFPB 's intervention to compel Transunion to promptly and professionally address the inaccuracies in my credit report and provide the necessary validation of debt for all information. Additionally, I urge the CFPB to investigate the unprofessional conduct of TransUnion representatives during our interactions. Thank you for your urgent attention to this matter. Please do not hesitate to contact me if you require any further information or clarification. Sincerely, XXXX XXXX
Consumer complaint received 2022-10-24
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. (MI)

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX CT XXXX, MI XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX CA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-21
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. (DE)

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 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 2022-10-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2022 to XX/XX/XXXX, several unauthorized charges were made with the total of {$17000.00} which were posted to my account. These purchases were made in stores such as XXXX XXXX, XXXX, and entertainment tickets in XXXX XXXX. I had reached out to my bank ( Bank of America XXXX and asked them to freeze the card and filed for credit card fraud. On July 11-13th 2022, Bank of America reissued my credit back into my card in its entirety. However, today XX/XX/2022, Bank of America reinstated some of the charges back into my credit card because " the purchases were made with a chip and verified by signature ''. Currently there are XXXX outstanding charges, {$1200.00}, {$7000.00}, {$5800.00}. The bank stated that they felt these purchases were legitimate and that I would be expected to pay. They also stated that if I had felt that the charges were fraudulent, that I would have to go to the stores themselves and ask for proofs of purchase and see if the store can do anything on their end. Later after visiting the stores the fraud was then refunded. However, later they have now reversed their decision on the XXXX and XXXX XXXX tickets. Even with video evidence of another man who I do not know was revealed making the purchases, the bank felt that due to the information provided by the merchant and the signature were legitimate. Currently the charges are for {$3300.00} and {$360.00} for XXXX merchandise and show tickets. 
I don't understand why video evidence does not exculpate me of these charges.
Consumer complaint received 2022-09-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # 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 : Also states a consumer reporting agency connot furnish a account without my written instruction
Consumer complaint received 2023-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (SC)

I was contacted by a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX. The debt collector was Aldous & Associates. They threaten to report me to credit bureaus, and said it could hurt my credit score. This was on a letter sent to me XX/XX/XXXX. I had a paid XXXX XXXX for 1 month of membership which was XXXX XXXX but canceled and they continued to charge me for 5 months extra amounting to XXXX XXXX XXXX XXXX got me my money back when I filed a chargeback. I go to XXXX in XXXXXXXX XXXX  a place where XXXX is not there. The gym allows kids as young as XXXX to sign up and then they threaten them with debt collectors when they try to cancel.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC (TX)

American Coradius International LLC Address : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, NY XXXX Account XXXX XXXX American Coradius International LLC is trying to communicate with me through my consumer report ( XXXX ) which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2022-10-24
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. (IN)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (OH)

I was trying to move forward with a rental application when I was denied based on my credit score. This prompted me to purchase the Experian credit reporting app so that I could see what was going on with my credit. It was then that I saw several unknown delinquent accounts that do not belong to me. Which is why I am doing this Identity theft report. the following accounts are fraudulent : XXXX XXXX XXXX XXXX Amount {$230.00} XXXX XXXX XXXXXXXX Amount {$830.00} XXXX XXXX XXXX XXXXXXXX Please help me remove these fraudulent accounts so that I can have a peace of mind, and move forward with my life.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The eviction is not correct and the amount is not correct that I owe. The writ is not true. 
XXXX XXXX XXXX  shows I owe XXXX, and that was paid. 
XXXX XXXX XXXX XXXX processed an eviction and a writ of judgement but that is also incorrect. I think the amount showing is XXXX for that also.
Consumer complaint received 2022-10-24
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I made XX/XX/XXXX and XX/XX/XXXX payments on the Nationstar ( Mr. Cooper ) website.

The website showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late on XX/XX/XXXX. It also showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late XX/XX/XXXX. I made XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX payment on XX/XX/XXXX. This is clearly within the dates give and not late. Please see the attached pictures of the website showing these dates. 
BUT, my payment was marked late. I was charged fees and negative statements were sent to the Credit Agencies.
Consumer complaint received 2022-10-24
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)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-11-25
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. (GA)

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 deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX Date Opened : XXXX -- XXXX XXXX : {$1600.00}
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (VA)

Hello, While performing a follow-up personal credit check I discovered inconsistencies with two collection accounts that appear on my credit report. The accounts both appear on all three bureau reports, however they have inconsistent naming, address and status information. Here is a summary of what is reporting : Credit Management is reporting two different names, two different addresses and different status : 1. The XXXX report indicates the name Credit Management , LP, while both XXXX and XXXX list it as Credit Management XXXX XXXX. 
2. The XXXX report indicates the address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX while both the XXXX and XXXX reports indicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 
3. XXXX reports the account as open while both XXXX and XXXX indicate the account as closed. 

As these inconsistencies are grounds for removal from my personal credit reports I am writing to state that I did not receive the opportunity to dispute this information. If in fact I was provided proper notification, please provide me with a copy of the certified receipt with my acceptance signature displayed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (FL)

I, XXXX XXXX XXXX, am writin in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following inquiries are on my consumer report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (CO)

AMERICAN EXPRESS CHARGED MY PERSONAL CARD WITHOUT MY AUTHORIZATION ON XX/XX/year> IN THE AMOUNT OF {$270.00} ON MY PERSONAL CREDIT CARD AND TRANSFERED THIS AMOUNT TO MY BUSINESS ACCOUNT. 
THEY PROVIDED UNREASONABLE REASONS THAT THEY OVERCHARGED MY ACCOUNT AND CREDITED TO MY ACCOUNT.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-06-17
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)

Ive reached out to the agencies multiple times because my identity was stolen and Im tired of these agencies causing a defamation of character because of the information thats being falsely reported. I asked them to cease and desist from reporting the inaccuracies to no avail. Im trying to get the issue resolved before I file a lawsuit against all three agencies.