davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-10
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX  ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. NEED REMOVED FROM TRANSUNION ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (FL)

MoneyLion is reporting a charged off status for an account that was closed by me. 

Charge off reporting starts XX/XX/2022 XXXX According to their pay ledger given to me by XXXX XXXX XXXX 
Senior Customer Advocate | XXXX XXXX I made a payment XX/XX/2022 before closing this account on my own. 

I ask that Money Lion correct their mistake of reporting the inaccurate information to my credit report or remove the information completely
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2023-08-09
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. (OH)

This is my XXXX time disputing accounts that are fraudulent. I am not an attorney or third party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize : -XXXX # XXXX XXXX XXXX XXXX XXXX -XXXX XXXX # XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX -XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 30 days, XXXX on time, Experian 30 days. Also XX/XX/XXXX : XXXX on time, Experian on time, XXXX 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 60 days, XXXX on time, Experian 60 days. Also XX/XX/XXXX ; XXXX on time, Experian on time, XXXX 30 days. 
Date Last Active : XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (LA)

On XX/XX/2024 I contacted Rent Revovery Solutions in order to settle a debt. After speaking to the employee I was told that in order to settle this debt I would have to pay {$650.00}. I agreed, and this sum of money was taken out of my account that day. I was told to call the employee back on XX/XX/2024 in order to receive a letter and see if the account was reported settled or closed on my credit. Fast forward two weeks, I checked my credit on XX/XX/2024 to see if anything had changed. The only thing that changed was the amount of money owed. The account was not closed which was discussed as the reason and goal for paying this debt. I also have never received a letter of closure or receipt stating that I paid this account. On XX/XX/2024 I called Rent Recovery Solutions back in order to request some answers. I was told that they reported it wrong to the credit bureau as well as told for the 15th time that a letter would be sent but never was. While I was met with rude, nasty, and unhelpful employees. I still attempted to handle this matter as best as possible. However, it has become out of my hands and impossible to move on.
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. 
Please delete this account from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-04-22
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2024, all the checking accounts and savings account were withdrawn money : Misc. Debit, - {$600000.00} ; - {$800.00} ; - {$4500.00} ; - {$400.00}.
Consumer complaint received 2023-08-09
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. (NY)

I had two credit cards with XXXX. Both cards were charged off by XXXX in XX/XX/2017. I have requested a 1099-G for both cards multiple times from XXXX and they have refused to provide the form for the charged-off accounts. XXXX also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested XXXX fix this multiple times, and they have refused.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent accounts and information 's in my file. The items I need deleted are listed in the report. I have been a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. Also, I have been requesting that you send me copies of proof of verification or proof of ownership regarding these items and yet I received nothing. Your continuous reporting of the disputed accounts and information is in violation of my Consumer rights under the FCRA. I demand you to please remove the disputed items from my Credit File.
Consumer complaint received 2021-01-11
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)

Last XX/XX/2020 I've sent disputes about inaccurate and unknown accounts I found on my credit report. But it's almost 90 days since I've sent it and I don't received any response. I was so stress and feel I was being ignored. I demand to immediately DELETE those unknown and inaccurate accounts or I will file a litigation.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (NJ)

It all started with setting up auto-pay on Roundpoint Mortgage Services... 
I usually make my payments monthly, from my account. In XXXX some things changed so I asked my husband to start making payments from his checking account. Of course, he forgot to make it ontime, so I made a payment myself and set up an autopay to make sure it does not happen in the future. The rep on the phone confirmed that autopay is in place ( please see the confirmation email attached below ) and I went on about my life. 
A month later I received strange piece of mail, about getting help with payments... Why would I need help? So I called them and another rep informed me that they cancelled my autopay for some bogus reason, without even letting me know!! Why would they cancel my autopay? I should be the only one to cancell my autopay, especially if I am the only one who can set it up ( the reps can not set it up, it must be done online ). I would expect them to send me an alert email - letting me know that my autopay was cancelled, or that my payment is overdue, of better yet text me or call me- with automated message even and say that there is an issue with my payment, so I can address it ASAP. 
Their questionable and inadequate practices lead to to my lateness of payment, but not my irresponsibility. Roundpoint Mortgage Servicing company should be responsible for cancelling my auto cancelling my autopay and, therefore, leading to ruining my credit ( which dropped over XXXX points - I never had a late payment for 20 years now! ). 
I would really appreciate your help in keeping this company up to the proper standards. 
Thank you. 
XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX  XXXX Balance Owed : {$880.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE XXXX XXXX Balance Owed : {$0.00} ; FXXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

I am writing to dispute an account opened fraudulently in my name. I am a victim of identity theft, and I did not open account number ending in XXXX. I am not responsible for any charges made to this account. I have no knowledge of this credit card being opened using my personal information. I am receiving bills from Alphaeon Credit account number ending in XXXX to my residence.
Consumer complaint received 2023-08-09
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. (NY)

Since 2019 there has been an old email address added to my credit report. The old email address is being logged into by someone other than me. When doing so, they have used the information for stalking, abuse, and harassment. I have updated my email address to the current email several times, and sent by mail copies of my drivers license, with letters requesting that my current email be the only one added to the credit report. Regardless of how many times I have updated the email address they still change it back to the old one. The person using the old email has all of my personal information. They are also stopping me from housing, transportation, employment, and other medical.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SLM CORPORATION (IL)

sallie mae Made A deposit In My XXXX XXXX XXXXXXXX Account. A Few months go by They Are trying to say the funds they made into my bank account is fraudulent with made my XXXX XXXX XXXXXXXX go into the negative now My XXXX XXXX XXXXXXXX has a debit hold on my account with prevent me to use my account regularly
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (PA)

I asked this company for a investigation to modify accounts that are reporting incorrectly. This company have filed to report accurate information as 15 U.S.C 1681s-2 ( A ) ( 1 ) Also this company did not have my written permission as 15 USC 1681 Section 604 A Section say Also I have right to privacy as 15 U.S.C 1681 section 602 A.

Please hold these company accountable and reomove these accounts that are interfare in my life.
Consumer complaint received 2023-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (GA)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXXXXXX  & XXXX stress  which is impacting my ability to XXXX causing problems XXXX XXXX XXXX  & creating unwanted XXXX  in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.