davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written multiple letters to the three credit reporting agencies regarding the late payment on my credit report. I have never been late on this account, XXXX XXXX, with the account number XXXX. Despite sending multiple letters, they have not even marked this account as being in dispute. I will attach my current XXXX and XXXX XXXX reports to this complaint.. This accout was paid and never been late. I never a received a reponse either. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be 100 % accurate. My attachments will show major inconsistencies in the reporting between the three major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2023-01-18
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. (AR)

THIS IS MY 3RD ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN and XXXXXXXX XXXX XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. This account below.. Account name ( XXXX XXXX  XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2500.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX updated XX/XX/XXXX Is not valid this is my third attempt to EXPERIAN to remove, and yet they do not send any debt validations and update it as accurate after a few days as they are not doing the proper protocol under the FCRA regulations. XXXX and XXXX both investigated and found these accounts to not be valid and they were removed. Experian continues to not do there de diligence.
Consumer complaint received 2023-01-18
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. (AR)

THIS IS MY 3RD ATTEMPT TO RESOLVE THIS MATTER WITH XXXX and XXXXXXXX XXXX XXXXXXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. This account below.. Account name ( XXXX XXXX ) Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2500.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX Balance updated XX/XX/XXXX Is not valid this is my third attempt to XXXX to remove, and yet they do not send any debt validations and update it as accurate after a few days as they are not doing the proper protocol under the FCRA regulations. Transunion and XXXX both investigated and found these accounts to not be valid and they were removed. XXXX continues to not do there de diligence.
Consumer complaint received 2023-01-17
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. (CA)

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 FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must correct late payments under CARES Forbes act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (NC)

on XX/XX/2022 I notice some inaccurate information on my credit profile. I disputed these inaccuracies on XX/XX/2022. On XX/XX/2022 I notice I has not received response. In understanding of the new " normal '' in the workforce in today times I patience extended a courtesy and continue to wait for a response yet and still no response. On XX/XX/2022 I again have sent another letter to get this matter resolve. Now as understanding and patience as I am trying to be this inaccurate information is affecting my life and I no longer can extend that courtesy.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Issue : I have fallen victim to identity theft perpetrated by a fraudster. HoweverXXXX XXXX XXXX XXXX XXXX XXXX ) is compounding the situation by severely damaging my FICO score through incorrectly labeling the closure of my credit card as a Unpaid Balance Charge-off. 

Requested Resolution : I urge XXXX XXXX XXXXXXXX to accurately communicate to the credit reporting agencies that my credit card was closed due to fraudulent activity perpetrated by an external party. 

Background : In [ XXXX, XXXX ], an individual identified as XXXX XXXX XXXX approached my family, offering assistance in reducing our debt burden through the XXXX XXXX XXXX program. He requested that we transfer [ {$67000.00} ] to his account. Subsequently, he made several ACH Payments to our XXXX XXXX  XXXX credit card, only to reverse the transactions and abscond with our funds. On XX/XX/XXXX a claim was raised by us with XXXX XXXX XXXXXXXX for the investigation of the fraudulent activity. In response to the claim we received a letter from debt collector first source on XX/XX/XXXX. 
Additionally, we have reported this fraudulent activity to law enforcement entities including the XXXX XXXX, CA police ( report no XXXX ).
Consumer complaint received 2023-12-03
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. (PA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated.
Consumer complaint received 2022-06-15
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)

I sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is 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/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is reporting XXXX transaction & experience on my consumer reports. Which violates me according to :, Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-09-30
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-09-30
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. (DC)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2022-09-30
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. (MI)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX BANK XXXX CO ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXXBANK ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} SOC SEC ADMIN OFFICE XXXX XXXX : {$2600.00}
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX XXXX XXXX charged {$2300.00} for auto renewal of 3 season passes. As soon as saw the charge, on or about XX/XX/XXXX called XXXX requesting the season passes be CANCELED. This charge was 275 % over the previous years charge. The XXXX invoice was emailed XX/XX/XXXX AFTER the charge hit my American Express. 

Tried to resolve with XXXX via email and phone calls, no avail. Reached out to American Express to dispute. This dispute has come back a 4th time with a partial charge. 

Since both XXXX and American Express were notified within days of the charge, the request for cancellation and the passes have not been utilized with no intention of utilizing the passes. This billing and rebilling has been going on for over 4 months and over half the ski season is over at this point.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The consumer reporting agency has not removed the fraud alert from my consumer report. This has prevented me from obtaining credit to fix my home, purchased groceries and pay medical bills. I am a senior on a fixed income and I need help!
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (SC)

I obtained a mortgage with Ameris Bank on XX/XX/XXXX. Since then, my monthly statements do not provide me sufficient information regarding my mortgage that is outlined in Regulation Z. The statement does not provide my outstanding balance, activity since last statement, escrow information, and escrow activity. I contacted Ameris on XX/XX/XXXX, and will be receiving a loan history. I was informed that, basically, my loan will be sold and they do comprehensive statements. I have no idea if this bank falls under a small servicer exemption but hope I can start obtaining more comprehensive statements going forward. I do not want to call the bank monthly to get my balance.
Consumer complaint received 2024-03-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: DISCOVER BANK (WA)

I recently transferred a total of {$880000.00} from my bank to Discover through an ACH transaction. The funds were verified to be mine along with the funding bank account. The funds were transferred to XXXX CDs after almost XXXX  days after I opened the accounts. Then less than XXXX hours after the funds landed in the account the funds disappeared. When I called Discover, they told me that it was because of past activity that the accounts were shut down. When I asked them what past activity, discover couldnt give me any answer they couldnt tell me whether or not the money actually returned to the funding bank. At this point in time XXXX XXXX  can not confirm the funds were returned. More over why would a financial institution go through the painstaking process of opening my account ( s ) after verification of everything, to then turn around and shut the accounts down?

When I called Discover bank again they had very little to say and very little information to offer other than XXXX minute hold, followed up by a business decision, is the reasoning given and Discover bank has had nothing else to tell me. Furthermore, Ive written Discover Bank and requested that the funds be issued in the form of a check for XXXX XXXX  and they outright just said that no action will be done at this time. Then on XX/XX/2024 I recieved an email saying that theres an update to my various accounts. Discover bank illegally took the money out of my accounts without permission, and supposedly sent the funds back to XXXX. 
I open XXXX CDs. Once the account is open and funded the funds can not just be returned, the account type prevents that act from occurring. Discover or someone took the money out without my authorization or permission. Discover also said the accounts are not closed. If you take money out of a CD and return it back to the funding bank generally that means the account was closed. As of today the XXXX CD accounts are still open and they have a XXXX balance. Please help recover my XXXX
Consumer complaint received 2022-09-30
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the fraudulent account in my file that is reporting on Experian Credit Bureau. How many times should I tell you that I am a victim of identity theft and I did not create the responsibility of the account? I have requested that the account be removed to correct my credit report. I have already 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. But guess what? Nothing has changed! 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 account below shown on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (AL)

Recently seen a late payment on my credit report from fortivia that I do not recognize. According to the FCRA transactions are not supposed to show on a consumer credit report. I know that this an billing error and I just would like for it to be corrected.
Consumer complaint received 2024-02-24
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-24
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. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; 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 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 2023-12-03
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. (TX)

XXXXXXXX XXXX XXXX is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXX XXXX XXXX XXXX. However, XXXX is still trying to collect and harm my personal credit. 

XXXX has a claim under my XXXX XXXX  Under Bankruptcy law, this is clear harassment by XXXX and XXXX. XXXX can't collect from the business and me personally. This debt is a business only debt. 

Please remove it from my credit report and place on my commercial credit file as XXXX XXXX. 

I demand an end to the harassment by XXXX and XXXX.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.