davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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. (TX)

I am writing to express my deep frustration and dissatisfaction with the handling of fraudulent items on my credit report, despite numerous attempts to follow up and have them removed. This marks the XXXX time I am formally requesting the removal of these fraudulent items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$81.00} XXXX XXXX Balance : {$330.00} XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CO)

In XX/XX/XXXX I leased a XXXX XXXX through Kia/Hyundai Financial . All payments throughout the leasing term were made on time. When my lease expired in XX/XX/XXXX, I decided to purchase the car, for the purchase amount of {$16000.00}. I financed the loan through my personal bank, XXXX. XXXX submitted the payoff amount to Kia, in XX/XX/XXXX, and there is record of Kia accepting payment. A couple of months later, Kia placed a derogatory mark on my credit reports, claiming the account as a charge-off. All attempts to fix this with Kia have been unsuccessful. Kia claims they returned the payment back to XXXX, but can not provide any record of the supposed returned payment. It was escalated to several supervisors, who were going to look into it, and get back to me, and I have never received a follow up phone call. In XX/XX/XXXX, the derogatory account was removed from my credit reports. In XX/XX/XXXX, it was put back on by Kia Financial, still claiming the account as a charge off.
Consumer complaint received 2023-08-16
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. (NC)

I sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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: Continental Finance Company, LLC (CA)

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX BANK
Consumer complaint received 2024-10-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (NC)

I continue to have issues with synchrony bank/ jc penny everytime I get approved their website does a redirect then says they can't approve me once I get pre approval / pre-qualification leaving me to make unwanted complaints from what the website says it's a easy process but for some reason I don't have any luck leading me to this process it's very inconvenience to keep complaining my personal family who applys does not have this problem when they apply to synchrony bank credit cards that is the website profiling people as if there a certain limit on the amount of credit cards/ bank accounts or applying per day one can have thankyou
Consumer complaint received 2023-08-16
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. (NY)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-05
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)

I never authorized anyone to put negative reports on my credit - some cards are on there that I paid cash to open and have balances that are incorrect and should state that those cards were only open using my money and never got an increase so I should not be behind them or owe anyone when it was my money to begin with All negativity on my credit should not be in there and its personal because I should never be in debt to anyone that should be indebted to me as a human and person with the same rights as anyone else
Consumer complaint received 2023-08-16
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since XX/XX/2023 I have not been able to access my savings nor checking accounts online. I tried to get a verification code send to my number in order to verify it was ne in order to access the account. The verification code did not work because it was an old number that was on file. I thereafter tried calling capital one customer service in which I uploaded my passport photo successfully a few times, about 3 or 4 times, in which my request was denied anyways. I am unable at this moment to access both of my accounts and all of my money. I need to access my accounts.
Consumer complaint received 2023-08-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-01
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. (CA)

I went car shopping and got a preapproval from XXXX XXXX XXXX XXXX. The lady that helped me at XXXX XXXX XXXX in XXXX, CA insisted on running the credit again on their end and ran it XXXX more times that same day. 

She said it would count as XXXX, but I have XXXX hard inquiries that day. 

To top it off, they didn't even have the vehicle in stock that I wanted. They lured me in saying they had it in the back only to come back and say they had sold it, after running the credit.
Consumer complaint received 2022-11-01
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. (MI)

Ive filed a identity theft repost and wrote into the XXXX consumer reporting agencies to block and remove information, but they did not do so. 

The following companies reporting to the Consumer Reporting Agencies DID NOT follow the Opt Out guidelines stated in XXXX Form of opt out notice to consumers ; opt out methods. 

With is a violation of my XXXX Rights, Right To Privacy, and private property being used for public use without just compensation The reporting of these accounts have caused credit applications to be denied and low credit limits offered. This resulted in set backs in my personal family and household necessities. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2022, I applied online for a Bank of America balance transfer card, as I was interested in completely paying-off the balance of my XXXX card XXXX During the application process, I specifically requested the amount of {$6200.00}. On XX/XX/2022, I received an email stating, " We've processed your Balance Transfer request, '' and it went on to show the details of the transfer being that {$1900.00} had been transferred to my XXXX account. I immediately logged-into both of these accounts and visually confirmed the transfer. In my new B of A account, under Balance Transfer History, are the details of the transfer, showing that I " requested '' a transfer in the amount of {$1900.00}, which is completely false and inaccurate, and can be compared to the actual transfer amount that I did request on my application, which once again, was {$6200.00}. The cause of the error, was that even though I applied for the larger sum of {$6200.00}, I was only approved for {$2000.00}, and the company decided to initiate a " partial '' balance transfer for {$1900.00} + a fee of {$57.00} without notifying me and obtaining my consent and authorization. I attempted to request the cancellation/dispute of the transfer online, but was informed that that wouldn't be possible! As a result, I now am in a much worse situation because I now will have 2 different creditors with 2 different monthly payments, and that is definitely not what I was striving to accomplish.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to my research about FCRA 605, Credit Bureaus 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 are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-01
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. (TN)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-05
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. (NC)

Transunion is reporting 30day late payments on three of my accounts XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. Transunion is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, Transunion never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX  helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX
Consumer complaint received 2022-12-05
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. (DC)

On XXXX XXXX I submitted complaint to XXXX XXXX, XXXX And Equifax to make sure all of my accounts were properly investigated and to make sure everything was 100 % correct on my account. The credit bureaus stated XXXX XXXX, DPT EDXXXX, DPT ED/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX, US DEPT ED-XXXX US DEPT EDXXXX, DPT EDXXXX, DPT ED/XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, date last reported is inaccurate, account numbers are inaccurate, account type is inaccurate, balance is inaccurate XXXX comment section is inaccurate XXXX high credit limits are inaccurate, number of months ( terms ) is inaccurate and two year payment history is inaccurate. This is grounds for 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 a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit credit as well.
Consumer complaint received 2021-05-12
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. (MO)

There are items that are on my report that doesn't belong to me and has not been verified. Here are the items : XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX,. XXXX # XXXX, XXXX.
Consumer complaint received 2022-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Called XXXX XXXX they said they are not suing me. Hired a private investigator. He said trust claiming ownership does not exist, tax numbers also do not exist, people signing documents are not employees of the company they are claiming and are actually employees at the time of XXXX XXXX XXXXXXXX. Actual company loan was took out from ceased existence in 2007 and forfeited their license in 2007 to do business. Documents submitted to initiate case and to support their case are from another non named party called select portfolio servicing. They are a non named party and their power of attorney is actually a limited power of attorney which strictly prohibits any participation in legal matters. 
Also the documents filled in the courts have been altered, do not comply with the express conditions precedent of the trust founding documents, and fail REMIC laws.