davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (PA)

Subject : Dispute of Charge-Off / Closed Account in my Credit Report Dear Sir/Madam, I hope this letter finds you in good health. I am writing to dispute certain inaccurate information that appears on my credit report. The items in question are related to alleged charge-off/ closed accounts, which I believe are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off/ closed accounts : Please investigate these matters and correct the disputed items as soon as possible. If you need additional information to resolve this dispute, kindly contact me at your earliest convenience.

I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entities providing this information to you have an obligation to correct, VALIDATE, VERIFY and update relevant information to ensure its accuracy. If they have failed to do so, they may be in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they cant be validated and verified. 
In addition, according to Section 623 ( b ) of the FCRA, upon receipt of my dispute, you must notify the information provider of my dispute. If you find that any of these accounts are indeed inaccurate, incomplete, or can not be verified or validated, I kindly request their immediate removal as per Section 605 of the FCRA, which stipulates that any information that is found to be inaccurate or can no longer be verified or validated must be removed from a consumer 's credit file. If you cant provide me with the original contract with my wet ink signature, and the name and title of the person you spoke to about the above listed accounts showing validation and verification please delete the above listed account Lastly, I want to draw your attention to the Fair and Accurate Credit Transactions Act ( FACTA ) amendment to the FCRA, which provides me the right to obtain one free copy of my credit report in cases where a change has been made as a result of the dispute. 

I have attached a copy of my credit report with the disputed items highlighted for your convenience. Please provide a detailed response to my dispute in writing within 30 days of receipt of this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Disputed Items attach
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OK)

Someone ( still unidentified ) applied for a credit card using my name, address and social security number from both Citi and XXXX XXXX. Both applications were denied, so a card was not issued, however my identity was stolen.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

After requesting deletion of inquiries on my credit report due to Identity Theft, TransUnion refused and responded to my inquiry removal request with a generalized response stating that inquiries are factual information. At the time of the inquiry removal request I submitted proof of identity theft. I am exercising my consumer right to have inaccurate and unauthorized information removed from my credit report. The inquiries are as follows : XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Section 605B of the Fair Credit Reporting Act, which requires TransUnion to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. These unauthorized inquiries must be removed immediately as they are fraudulent. I will take legal action. To my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation (VA)

In 2021 my vehicle which was older, stopped working, unable to fix it. I received loan and title for vehicle was collateral. 
One Main first told me I had to get a type of insurance added to loan to receive it. I was approved for loan of XXXX. After this insurance was added it went up to a {$10000.00} amt. I paid my payments each month until my vehicle messed up. My parents gave me their old vehicle so I went in to office to switch the title to still complete loan. They would not change vehicles on loan and would not give me my title back to original vehicle. They stated because it had someone else on title along with myself that they couldn't. I even had the 2nd person on title sign statement stating he authorized the car title to be added to.loan to continue with loan. OneMain would NOT let it happen and therefore, I'm now stuck with broken vehicle with no title and unable to sell it for parts or anything else. I have witnesses who can vouch for vehicle current state. Covid hit and I became unemployed and wasn't able to make payments for a loan which vehicle that was inoperable. One main would not help me, work with me on payment assistance, nothing. They sent my loan to collections for nonpayment now and continue to avoid helping me or taking my calls. I'm stuck with a debt t hat I tried to resolve and get help with. I even tried asking to gave them take this insurance of some sort off to lower amount while I was struggling to make ends meet. I am a divorced single parent now of XXXX and I'm drowning.
Consumer complaint received 2023-02-18
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. (CA)

Im filing a complaint to you today to notify you I am a victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to complain to the 3 bureaus through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : {$2900.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2023-09-07
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. (NY)

I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, XXXX, Experian, and XXXX are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, Equifax, XXXX, and XXXX are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (IL)

n accordance with the Fair Credit Reporting act, XXXX Act. # XXXX XXXXXXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX Act. # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-25
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. (NJ)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, XXXX, XXXX, and Transunion are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.
Consumer complaint received 2023-05-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (NC)

No communication whatsoever! I had to keep calling them to get a hold of the lady. Also when she did she said she couldnt approve even though I had a previous mortgage with them. Now all of a sudden Im not approved without telling me why
Consumer complaint received 2023-08-07
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: DISCOVER BANK (FL)

My credit card debt was already settled with Discover bank since XXXX of XXXX. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). 

In spite of me producing a request for disclosure pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997, and pursuant to section 609 of the Fair Credit Reporting Act, Discover refuses to remove/delete it from my report.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (AZ)

ATM charged my XXXX but didn't give me any money on XX/XX/XXXX I believe. The clerk at store told me it would go back to my account in 12-24 hours and NEVER DID. filed a dispute with my bank ( Found Bank ). Took them several days to respond. They tell me the won't even acknowledge or begin an investigation until i first contact the merchant to resolve the error and then give them ( found bank ) proof I had done do. THIS IS ILLEGAL. REGULATIONS SAY THEY CAN NOT REQUIRE CUSTOMERS DO THIS. I had already done it anyway but that's irrelevant it's still illegal. The the tell my they don't give out provisional credit. But then say if the ATM operator doesn't respond after 30 days they will. AGAIN ILLEGAL. THE LAW SAYS AFTER 10 DAYS THEY MUST PROVISIONALLY CREDIT THE AMOUNT DISPUTED IF THEY STILL REQUIRE MORE TIME TO COMPLETE THEIR INVESTIGATION. 

I NEED THE MONEY BACK THAT WAS STOLEN BY THE ATM. I HAD TO TAKE MONEY FROM MY RENT TO PAY MY CAR, AND THEN INCUR LATE FEES COMING UP WITH THE {$200.00} I WAS THEN SHORT FOR RENT. 

THIS IS BS. ILLEGAL. AND I WANT THEM PUT IN THEIR PLACE. IF THEY ARENT GOING TO FOLLOW THE LAW CLOSE THEM DOWN. PUT THEM OUT OF BUSINESS. I AM SUFFERING ADDITINAL FINANCIAL HARM BECAUSE OF THEIR REFUSAL TO FOLLOW CONSUMER PROTECTION LAWS AND REGULATIONS
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX 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 2023-05-10
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. (TX)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : 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 2018-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I had a forbearance on my mortgage payments for Hurricane Irma. In XX/XX/XXXXI called to start paying my mortgage. Was told by the teller named XXXX that there are only 2 options coming from FHA. One is a Cap and Extend which will modify the loan, the other is a lien on the house for the amount due during the forbearance. I was guaranteed by 3 representatives that these were the only options available and everything would be settled in 30 days max. I got a call from Caliber Home Loans a couple of weeks later telling me I was denied for all options and would have to start the process all over again. They never informed me that denial was a possibility. To the contrary they said everything would be complete in 30 days max. Now, in this time I have arranged for loan with the SBA disaster loan department for {$40000.00} and a lien on the home. I'm being told by the mortgage company that this lien will not stand because my home mortgage will be modified and a title search will be run, and when they run title and see a lien for {$40000.00} on my home they will not modify it again. I don't have the money to pay back now and becuase I relied on the statements of the company ( nothing was given to me in writing ), I might not be able to pay them back.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (FL)

Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. I wrote to Equifax, XXXX and XXXX. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5- business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX *XXXX XXXX  - ACCT # XXXX XXXX XXXX -ACCT # XXXX XXXX XXXX ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME THANK YOU.
Consumer complaint received 2018-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

I do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.
Consumer complaint received 2018-05-05
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: SYNCHRONY FINANCIAL (NY)

i have written both XXXX XXXX and JCP ( Jc Penny ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.