davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it is opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX
Consumer complaint received 2023-07-20
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 discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : 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 2018-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

On or around XX/XX/2015 I called to make a payment on my account at that time the representative from synchrony bank told me that I just needed to pay a XXXX dollar payment to bring my account balance current. I made a XXXX dollar payment, long and behold my account was still delinquent and then turn over to collections for charger off! I believe there was a communication/language barrier and this has been inaccurately reported! Had I known and been informed otherwise, I wouldve made a payment accordingly to keep my account current and not let it get delinquent. Now this is being reported as derogatory on my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 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 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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report in inaccurate. I have missing employer information. I have a car with XXXX XXXX which is false. This was with XXXX XXXX XXXX XXXX XXXX. There is also the wrong information on my credit card for late charges when I am still trying to show the statements with overcharged repeatedly throughout the duration of having credit cards.the statements show all of the repeated same charges with the symbol next to ( & ) transactions authorization codes. There is missing charges with fees added then removed. The address to a XXXX XXXX XXXX  for the homeless is on the report. I was homeless but I did not live at this location they had me sleep the night in the XXXX XXXX XXXX IN XXXX. for several months. I was there XXXX XXXX shelter for showers in the morning only. I had to look for a social services job during the day. I was shuffled around till I was forced in XXXX shelter that's not on there or the XXXX XXXX. I was working in the XXXX XXXX for 6 months thats missing as well.it is a mess in my report.
Consumer complaint received 2022-12-15
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. (SC)

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to dispute the accuracy of an account on my credit report that is being reported by TransUnion. The account in question is { XXXX, } which is being reported as collection. I believe this account is inaccurate and request that TransUnion investigate the account to ensure that it is being reported correctly. I also request that TransUnion provide me with validation of the account in question, including but not limited to : * The name and address of the original creditor * The original account number * The date the account was opened and closed, if applicable * The total amount owed on the account * The dates and amounts of all payments made on the account If TransUnion is unable to provide validation of the account, or if the account is found to be inaccurate, I request that TransUnion remove the account from my credit report. * Enclosed with this letter, please find a copy of my credit report highlighting the account in question. 
* Thank you for your attention to this matter. * Sincerely, * XXXX XXXX
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

On XX/XX/2019 I received an email from PNC Bank XXXX my mortgage servicer ) stating that my automatic payment of my mortgage was processed, however I noted the amount was double that of my mortgage payment. I verified with my checking account that two payments were removed on XX/XX/2019. One of which was the authorized mortgage amount of {$2000.00}. A second, unauthorized payment was also processed from my bank account in the amount of {$2000.00}. 
I then attempted to login to my online banking account and was found that I was locked out of my online banking portal with PNC bank. Therefore I could not verify my loan payments having been made and received. 
I then called PNC bank and spoke with a customer service rep ( XXXX ), he alerted me that PNC was aware of the situation and I had two courses of action, 1. receive a mailed check in the amount of my duplicate payment, this check would take 10-14 days via mail. 2. I could go through the verified process to receive a wire transfer in the amount of the duplicate payment. I told him that I could not wait 10 days to receive my funds back and that this was an unauthorized payment made to PNC that they needed to fix this problem. He alerted me that my only other course of action would be to call my personal bank and stop payment on the second unauthorized amount. 
I then called my personal bank, they told me the funds could not be stopped on their end but they were still pending and there was no reason PNC bank could not cancel the transaction in order for my funds to not be taken out of my account. 
- I called PNC bank back, I spoke with XXXX who gave me the same 2 courses of action as I was originally told. When I asked him to simply cancel the second unauthorized payment he told me that PNC bank does not cancel payments ... .. I escalated to his supervisor ( XXXX ) she verified that PNC bank would not cancel the payment on their end, she alerted me that " upper management '' is aware of the situation, she did not know how they would return my funds or when I would receive them but I was to trust her in knowing that they are working on it and my funds would be returned. I asked how they would correspond with me going forward, and she said they would not initiate any communication, I would need to call back to find out more information about my funds. Meanwhile, PNC bank has {$2000.00} of my money that I did not authorize them to take from my account and I have no repercussions in knowing when they will be returned to me, if I will have my funds to pay the rest of my bills for the month and feed my family and I am left with no answers as to when or how my money that they took from me will be returned.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX, NJXXXX ; XXXX XXXX XXXX , NJXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX.
Consumer complaint received 2022-12-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have disputed the items below on XX/XX/2022 but the bureaus did not remove them or prove validation. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

In XXXX and XXXX of XXXX  I closed my JPMCB credit card ( Chase ). My credit report reflects the closure. In XXXX of XXXX the account was reflecting NON-payments. even after the account was closed. This continued from XXXX till currently. Accumulating fees and damaging my credit report. I have made multiple calls to rectify the situation and was promised it was resolved but it never was. Here is a list of employees i spoke to ; XXXX Employee # XXXXXXXX XXXX ( spoke on XXXX occasions ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX If you wish to speak to the corporate office it must be in writing and faxed over or mailed to a po box . That is not acceptable. Especially with personal information. 
Bottom line is Chase Credit Card strong arms everyday citizens and make them pay ridiculous and unjust fees. They don't assist their clients and conduct unfair business practices. Also many requests have been made for details of my account and break downs. They have NEVER been sent or provided.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

XXXX XX/XX/2023 Chime informed me that I was approved for my dispute in the amount of {$2000.00} they then proceeded to send an email to show my account was closed and I will be receiving a check within 30 days. I sent an email to received a tracking number never heard anything I then called into chime XX/XX/2023 the guy informed me that I will be receiving a Check hours later I received a email saying I couldnt be verified and I was denied they are completely lying about not being able to verify me. I keep getting the run around about the situation i have spoke with over 10 people about the situation and I keep getting different answers each time I keep getting automotive emails with NO UPDATE I would like to report chime and I will like for them to send my funds over asap!
Consumer complaint received 2023-07-18
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. (PA)

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2023-07-18
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. (MI)

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 BA # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX  # XXXX Account XXXX : XXXX  XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : 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 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 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

I have tried three separate times to work with the loss mitigation team with Carrington Mortgage group and applied for forbearance in which the company denied all request for loan modification even when I had agreed to a loan modification in three separate payments presented to me by the company. Now the company refuses to look over my application for loan modification once again and has placed my home in foreclosure and has not made it easy for me to get any answers with the foreclosure time frame to stop the foreclosure process and work out a deal with me.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

XX/XX/XXXX I wrote to each of the 3 credit bureaus : Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Creditor : XXXX XXXX, Account : XXXX Reason : Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Then again on XX/XX/XXXX whe I disagreed with the results : Creditor : XXXX XXXX, Account : XXXX Reason : The status on this account is incorrect and This account was paid in full. Delete collection/chargeoff because it is inaccurate. Delete comments because they are unproven. 

It has been months of back and forth with the bureaus and XXXX XXXX and changes to mistakes on the reporting. ( 1 ) it was not a repo and XXXX did not provide a debt validation to me ( see attached ) so how did they respond to the bureaus. ( 2 ) One bureau corrected it only to later change the reporting. ( 3 ) a charge off can't be paid and have a {$0.00} balance. I don't know what XXXX is trying to pull but I made the payment on this account according to the contract and now they are trying to do some bait and switch tactics while acting like I didn't write to them. This is ridiculous! It's hurting my score and making me look bad. Please remove this inaccurate reporting! 

And shame on the credit bureaus for not doing a through job!!!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 2021-12-23
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: Experian Information Solutions Inc. (NY)

I have had some inaccuracies on my report for about a couple of months I have tried repeatedly to remove these negative items off my report these accounts have not been verified on my report and it has been 30 days or more that these accounts have been on my report