davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (LA)

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX Balance {$35000.00} XXXX XXXX Balance {$360.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$960.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : 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 XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX CA Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. Please Comply with the Federal Law, Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is XXXX 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 2015-08-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Receivables Performance Management, LLC (MI)

receivables performance management has been calling my personal phone nonstop asking me to verify personal information but when asked what its in regards to they hang up. now they are calling my place of employment, i dont know if they are even calling for me because any time i ask them a question they hang up.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

CRA ... XXXX AND XXXX ... REPORTING INCORRECT XXXX XXXX XXXX DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA  REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623
Consumer complaint received 2024-03-12
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. (NJ)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: USCB, Inc. (CA)

I have contacted USCB America 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
Consumer complaint received 2023-03-11
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. (FL)

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 XXXX # XXXX, Account name : 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 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have consistently maintained timely payments on this account, ensuring that none become overdue. The appearance of late payment remarks on my accounts perplexes me, and I am uncertain about their origins. Referring to 15 USC 1666b - Billing Error, these remarks should be addressed.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NH)

During the home buying process is when we realized there was numerous false student loan accounts open under my name, and it seems to have stemmed from when XXXX did the switchover to XXXX. It looks like they copied my loan balances and never deleted them so now it shows as me owing around double than what I actually owe. Ive contacted XXXX myself several times and they dont show any accounts open with those balances - I only have XXXX accounts open and the balances total exactly what they are supposed to on their end. I followed up with a call accompanied by xactus to help me with the process AGAIN, and they again told us these accounts did not exist. Ive tried to dispute these now multiple times through all XXXX of the credit bureaus, some have been successful, others have not. XXXX has now deleted the accounts, however theyve added the loan amounts from those deleted ones to my active ones, also still false reporting. Its getting super frustrating trying to buy a home and not having any information on my report be accurate. Could someone PLEASE address this extremely important issue as soon as possible? Oh and not to mention that XXXX false addresses listed under my account that Ive never seen or been associated with in my life- oh AND the multiple other phone numbers Ive never seen. Can we have some security here?
Consumer complaint received 2023-02-07
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. (IL)

XXXX XXXX account number XXXX XXXX XXXX XXXX account numberXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-20
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)

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 2022-03-16
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. (FL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (DC)

1 ) Like millions of XXXX, we are subject to take the Required Minimum Distribution ( RMD ). We received a check from our pension fund manager and deposited it with Citibank on XX/XX/XXXX. Of the total of almost {$45000.00}, only {$8000.00} was immediately available. {$200.00} became available on XX/XX/XXXX {$400.00} on XX/XX/XXXX, {$4400.00} on XX/XX/XXXX and {$31000.00} on XX/XX/XXXX. Citibank earns interest on our money by delaying deposit to our account. How do they establish the formula for how much money becomes available immediately? Why, if the payor is a reputable, well financed institution, do they get to delay the money becoming fully available to us as their depositor for six days? Multiply this by every pensioner receiving an RMD and the banks are XXXX their depositors and making out like bandits.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/14 on TRANSUNION. I did not authorized anyone employed by this company or at this company or TRANSUNION to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that TRANSUNION remove the unauthorized and fraudulent hard credit inquiry immediately from my TRANSUNION credit file.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC. (MA)

i wrote a certified letter to Kay Jewelers in XXXX XXXX asking them for any information and documentation proving the chargeoffs and lates for account ending in XXXX and they responsed in a letter to me they sold the account, it is no longer owned by them.and they have no info on me- they sold the account XXXX XXXX sent this letter to XXXX and XXXX in XXXX XXXX asking them to delete the account because they have no documentation to prove this alleged debt then.XXXX, XXXX put in a dispute and kay jewelers responded to the disputes stating it was accurate and to leave it on my credit report. i have disputed this account many times with XXXX, XXXX and each time kay jewelers states it accurate. IF this account is accurate then why cant they produce documentation to me. they have violated my rights under the FCRA also they stated they sold it in XXXX then why have they updated my credit reports charge off and lates as recent as XXXX XXXX XXXX each time they update it makes it seem like a recent chargeoff and my score goes down.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXXXXXX
Consumer complaint received 2022-04-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (TX)

My hands are tied.. as we went through the whole process I was told this phrase several times. We had finally made it to the top of a 40+ wait list at the end of XXXX. But where the story really starts, we were just out driving as a family and thought we would check it out XXXX XXXX. We Loved our first experience. We told our relator and she was so excited for us. Well when we show up to look at lots with XXXX he pulled me aside and said we could have a relator because when we got on the list they were not there with us. We fought this the best we could but with no luck. That was in XXXX. 

Then we finally move on without our relator. We loved checking on the house and seeing the process. As the time goes we are left in the dark no updates or help through the process. So we reach out to our cousin to start the loan process this was in XXXX. We really get rolling around the end of XXXX or early XXXX because the house was due to close XX/XX/XXXX. 

Our plan was to see what offer between our cousin and XXXX was better. Well in XXXX when our other Morgage company reached out to XXXX they would not work with them. Because in the contract we had to disclose this 30 days prior to our close date and we were a few days maybe a week short of that. So they threatened to cancel the contract if we did not move forward with XXXX XXXX. So to keep our house price we moved forward because cost have only gone up since XX/XX/2021. 

Now XXXX XXXX did not explain any of the process they would just send task in the portal. We went though XXXX different points of contact and have to start that process over again because things were missed by the previous person. 

Our close date was moved from XX/XX/XXXX to XX/XX/XXXX with less than weeks notice and we heard about it first from our insurance company. Who had to fight to work with XXXX. Then our sales guy told us it was the XXXX so I move everything around to plan on that date. Then in a few days it moves back to the XXXX. Then on the XXXX our XXXX lady calls and says we wont make the XXXX due to underwriting. 

So I get them letters explaining my job and pay. My work has used this same email to get many other guys into homes and it was denied on the XXXX. Then I talk with XXXX on the XXXX and he tells me our contract was canceled because we dont have funding and its the day of closing. 

He then tells me his hands are tied and there is nothing he can do. But he adds they will sell it for $ XXXX more. We had a family member offer to pay cash and they would not even except that. 

Then XXXX XXXX would not give us the opportunity to apply for any other loan.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit profile indicates an account that was settled through a court opinion. The documentations was submitted to all credit agencies. However, the reporting agencies are still reporting the account incorrectly. 
The following information still is present on my credit profile. However, this account should state {$0.00} due based on attached documentation. 
XXXX XXXX XXXX Account Type Home Equity Line of Credit Account Status Closed Opened Date XXXX XXXX, 2007 Closed Date -- Limit {$32000.00} Term -- Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$31000.00}
Consumer complaint received 2021-08-24
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. (GA)

Experian credit bureau didn't go to the furnisher of my chapter XXXX bankruptcy but instead they used a third party company like XXXX  or XXXX the original furnisher is the court house they didn't verify this with the court because I contacted the court house and they said they don't report to any credit bureau so why is this on my credit please remove this immediately
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

My Company applied for Business Credit Card and it was never indicated in the same that they will run my personal credit report also. It was assumed that this is business credit card from XXXX XXXX Application ID XXXX. They denied the card personally to me where I never applied for the card on personal name and they ran the hard enquire on my personal name. this seems to be complete fraudulent activity causing damage to me.