davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  BANKRUPTCY ( XXXX XXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (MA)

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
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 2020-03-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (GA)

I received a letter from " Nationwide Mortgage Bankers '' stating that my mortgage qualified for the FHA streamline program. I contacted the number on the letter and started the process. We met all the criteria for the streamline program. Mr. XXXX told me NOT to pay my mortgage for the month of XXXX. As the rates went down, I requested a lower rate and it was agreed upon by the " loan officer, '' XXXX XXXX XXXX. He proceeded to send a notary to my home and the paperwork was signed and sent back to him. The notary also took copies of our social security cards and drivers licenses. On XX/XX/2020, I inquired about the status of the closing and he called me back. He stated that he had " bad news, '' as the rates " jumped back up. '' He failed to tell me what the new rate is. He simply wanted out without any explanation. I told him that this was not acceptable behavior, and he simply told me to " call your current service '' to get the mortgage refinanced. As such, I informed him that I needed to speak with his manager but he refused to provide the information and stated : " they will transfer you right back to me. '' In addition, the company included paperwork for us to give consent to obtain four years of my tax return even though it is not required for an FHA streamline refinance. I contacted XXXX and he stated that the tax transcripts were not needed, however, it was still hidden among the papers that I was given to sign. Similarly, income and employment verification are not needed, but the paperwork was presented to sign in order to obtain the information. 

Also, he stated that he was affiliated with Nationwide Bank, however, I called Nationwide to submit a complaint and was told that this company is not affiliated with Nationwide ban
Consumer complaint received 2023-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (HI)

There are over 40 inquiries unauthorized on my credit report and I dont have enough room to list them all each because they are 80 inquiries total throughout XXXX, XXXX , and XXXX .
Consumer complaint received 2022-12-08
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. (MI)

Originally on XX/XX/XXXX, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was 100 % correct. The credit beaureaus stated that the date the account was opened was XX/XX/XXXX. That information is incorrect. This is grounds for immediate removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have never given these accounts written permission to furnish these accounts on my credit report. This is illegal. I also never received a letter requesting proof of my social security number or acceptable documents with instructions on where to send them. Quite some time has passed since I originally submitted this complaint, I am asking that this account be removed from my credit report.
Consumer complaint received 2023-07-13
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. (CA)

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

First let me say its nice to know that at least XXXX of the XXXX CRAs XXXX still exercises their grave responsibility with fairness and impartiality and the importance of accuracy and relevancey. However my complaint is with TransUnion and XXXXThey continuiously violate my federally protected rights, which is causing me real damages ; to the point Im considering Civil Liability for their willful Non-Compliance. 

In XXXX I wrote letters to all three agencies informing them that the information they were reporting was inaccurate and or incomplete and asked them to investigate. ( letters included ) I also filed complaints with the CFPB on XX/XX/XXXX to reinsure my concerns were on record. 
XXXX Trans XXXX XXXX XXXX. Only XXXX complaint was closed and it is obvious they did an actual investigation because most of the inaccurate info was updated or deleted. I was notified by TransUnion and XXXX that their investigation was complete and that the information was verified and accurate, So I pulled another report just to find, unlike XXXX a lot of the same inaccurate information was still being reported. 
I then sent both agencies Method of Verification letters by certified mail # # XXXX Trans # XXXX XXXX. ( letters inclosed ) Its been over 15 days and I still havent received that information from either agency.Which is a clear violation of 15 USC 1681i enclosed is a copy of my recent credit report which I marked up to show the many different inaccuracies and violations of 15 USC 1681. Is civil action the only way to correct this or do your over-site play a part in getting the request adhered too.
Consumer complaint received 2023-07-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$610.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was the victim of a scam, where someone impersonated a student at my college and claimed to sell concert tickets that didn't exist. I paid for it with a debit card and discovered the scam while the payment was pending and called Capital One National Bank before the transaction was confirmed by my bank and they confirmed the transaction anyway. The total price of the tickets was {$700.00} on two transactions and Capital One National Bank gave me a temporary credit of {$700.00}. They accepted and approved my first disputed transaction of {$500.00} and gave me a final credit for that. They then however said the second transaction was authorized and retained {$200.00} of the temporary credit, even though I called them within 24 hours of making the transaction saying that I did not authorize it. I called the bank 's customer service before either transaction went through my checking account.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I hope this message finds you well. I am reaching out regarding an issue with a collection from XXXX that is currently reported on my credit report. 

Despite several attempts to resolve the matter, XXXX has not been able to provide definitive proof that the debt is mine, such as a notarized contract or other binding documentation. Without this concrete evidence, it is unreasonable for this collection to continue to be reported on my credit report. 

According to the Fair Credit Reporting Act, all information on a credit report must be 100 % accurate. Given the current circumstances, it is evident that the validity of this debt is in question, making its presence on my credit report potentially inaccurate. They keep reporting that it is within FCRA requirements but this isnt true, my report isnt 100 % accurate. This collection should only be reported once and not every month as well which proves this isnt 100 % accurate. 

In light of this, I am kindly requesting your assistance to remove this XXXX collection from my credit report until such time as they can provide proper evidence of my obligation to the debt. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has reported XXXX XXXX to my credit file without my consent. Ive never had any dealing with XXXX XXXX. Transunion has violated the FCRA law 15 USC 1681B rule. I did not give Transunion written consent or permission to report this account to my credit file. Transunion has violated the law.
Consumer complaint received 2023-09-11
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. (VA)

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (NJ)

Have no clue who XXXX XXXX XXXX is and where they are located. I have not been to a Dr . Prior to this month for at two years. Was questioning if this bill really could be for me? Did not pay because I really have no clue what this for.. need more info
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (AL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$920.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00}.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX is reporting an account on my file that is not mine. It is showing I am an authorized user on an account I do not recognize. I have never given anyone permission to put me as an authorized user on a XXXX XXXX. This needs to be removed immediately as I never signed anything with XXXX for this account and it is not mine.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX inaccurately reported late payments from XX/XX/XXXX & XX/XX/XXXX. 
Neither payment was late and inaccurately reported XXXX claimed to have sided in my favor stating I was correct the payments were never late. Only reported XX/XX/XXXX & XX/XX/XXXX as late. NONE OF THE MONTHS WERE LATE!!! XXXX continues to FALSE REPORt inaccurate information for TWO years Ive been disputing this.
Consumer complaint received 2024-04-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX XX/XX/year> CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of XXXX Dear CAINE & WEINER XXXX I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account referenced above. I believe there are inaccuracies that need to be addressed. 

Licensing Requirement : According to federal regulations ( 12 CFR 1006.34 ( b ) ( 5 ) ), a collection agency must be properly licensed to collect debts. As of now, there is no evidence that the collection agency possesses the necessary license. 
Validation Information : The collection agency has failed to provide validation information as required by law ( 12 CFR 1006.34 ( 4 ) ( I ) ). Despite this, they have placed a collection entry on my consumer report. 
Consumer Rights Violation : The collection agencys actions may violate my consumer rights. Their use of false, misleading, misrepresentation, and deceptive means is unacceptable. 
Disclosure Violation : The collection agency has furnished information to consumer reporting agencies without providing the required disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ). 
Disputing Debts : In this dispute letter, I am asserting that I dispute owing any and all debts to the collection agency. 
Communication Rights Revocation : I hereby revoke any authorization for the collection agency to communicate with me via email, text, or phone calls. 
Debt Validation Request : I request that the collection agency provide validation of the debt, including details of the original creditor and the alleged amount owed. 
Purchase Agreement : I also request a copy of the purchase agreement between the collection agency and the original creditor. 
Proof of Licensing and Bonding : Please furnish proof that the collection agency is duly licensed and bonded as required by law. 
Thank you for your attention to this matter. I expect a thorough investigation and prompt resolution. Please provide written confirmation once the inaccuracies are corrected. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2023-09-11
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. (CO)

XXXX XXXX XXXX XXXX XXXX  inaccurately reported late payments from XX/XX/XXXX & XX/XX/XXXX. 
Neither payment was late and inaccurately reported XXXX claimed to have sided in my favor stating I was correct the payments were never late. Only reported XX/XX/XXXX & XX/XX/XXXX as late. NONE OF THE MONTHS WERE LATE!!! XXXX continues to FALSE REPORt inaccurate information for TWO years Ive been disputing this.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (GA)

NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I am required to carry flood insurance on my property and when I received my renewal notice recently, the premium had gone up dramatically and it stated that I could increase my deductible up to {$10000.00} if my mortgage holder was in agreement with that. I called Bank of America and they said there was no problem with a high deductible but would not send a letter to XXXX to verify this. I went through my insurance agent and he also spoke with BofA with the same results. He actually spoke to XXXX different people and XXXX said they would not send a letter out to XXXX allowing a deductible increase. The increased deductible would drastically decrease my premium, which is what I want. I am requesting that a letter be sent to XXXX from BofA on my behalf.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

46.4K 492
Consumer complaint received 2023-03-13
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. (IL)

I have recently noticed on my credit report ( s ) that information specifically inquired about information was reported I do not recognized. Several times I have enquired about these inquiries to the bureau 's to no avail.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian has been notified by the US Court Bankruptcy was filed and all the accounts listed were included in discharge- Experian has XXXX accounts still open and not closed and XXXX out as the law requires. 
They sent a email saying the are updating nothing it remains/ this is illegal- clearly they were all informed
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting an account inaccurately on my consumer report. There was never cash given or a loan given therefore the account type listed as auto loan is incorrect. If transunion can not provide me with documentary accounting proving I received a cash loan this account needs to be removed immediately. I have attached a copy of documentation proving I never had a loan with XXXX XXXX XXXX and was paid in full for the total loss of my vehicle directly from XXXX XXXX XXXX. If there was an alleged loan given the check for the total loss of my vehicle would have been given to XXXX XXXX XXXX and not me, the sole owner of the vehicle. XXXX states that when a consumer reporting agency has reason to believe information is inaccurate in a consumer report that information must be deleted immediately upon the consumers request.