davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-06
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. (CA)

I have reached out to all three credit bureaus ( XXXX, XXXX, and Experian ) over a charge off that is on my account. All three credit bureaus are reporting late payment and charge offs in different months. I have sent proof about how they are all reporting different information with copies of my credit reports. I continue to get letters back that the information is verified from each of them even though they are all claiming a charge off in different dates. The accounts also show the account as closed different months of that year which I also provided proof. I have sent Dispute letters two different times XX/XX/XXXX online and XX/XX/XXXX through mail. I would like for this to be looked at as its hurting my credit score and it is against my rights to have inaccurate information in my credit profile. The information should be accurate across all three credit bureaus.
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC- is attempting to collect debt indicated on my credit report acct # XXXX, which it claims I owe {$490.00}. I have sent LVNV Funding two certified letters on XXXX/XXXX/16 ( received on XXXX/XXXX/16 ) and XXXX/XXXX/16 ( received on XXXX/XXXX/16 ), asking to validate the debt that it claimed against me. LVNV Funding failed to provide validation of debt and simply replied the debt is owed by me. Without validation of debt bearing my signature, I asked LVNV Funding to remove their derogatory remarks on all XXXX credit bureaus but they have failed to do so.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NY)

My name is 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 reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$25000.00} and XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$14000.00}. Please remove.
Consumer complaint received 2017-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

The balance in  my TD B ank account ending in  XXXX  is overdrawn  XXXX , this includes a reversal credit in the amount of  XXXX . This credit is for a disputed transaction,  XXXX  from  XXXX  of  XXXX . This is a fraudulent transaction, received no service from this merchant and have not done business with them . TD Bank refuses to further investigate, I was told prior by a TD Bank rep that the credit was supposed to be permanent as the investigation was closed.. However, they rev ersed credit on  XXXX , overdrawing my account. The credit card authorization form provided as proof was not signed by myself, fraudulent. I 've attempted to resolve matter directly with merchant, however, they will not refund charge. I 've stopped direct deposit to this account, please advise  TD B ank I refuse to pay this charge and account will go into collection unless they credit back this charge. Please do not mark this as duplicate, there is additional information contained.
Consumer complaint received 2023-02-28
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. (IL)

This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX GRAND XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : $ {$1400.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00}
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: ENCORE CAPITAL GROUP INC. (NY)

I originally had a store charge with XXXX XXXX. Admittedly, I irresponsibly did not pay the debt because of family issues and fell behind on payments around XXXX. The debt was sold to Midland Funding and was actually removed from my credit report XX/XX/XXXX. I had owed a total {$490.00}. I just last week received a notice from Midland asking to send them a settlement of over {$800.00}! If I did not know better I may just just them money. But I just checked my credit report and know I do not owe them money.
Consumer complaint received 2024-02-28
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. (MS)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-22
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. (NC)

Hello. I am a consumer whose rights were violated by XXXX, XXXX, and Experian. I pulled a copy of my consumer reports on XX/XX/XXXX. I read through all of my reports and did some research. I realized that I have been ignorant of the law and that I have been violated by these agencies. I filed an identity theft report, then mailed a copy along with dispute letters to XXXX, XXXX, and Experian on XX/XX/XXXX to confirm that I didn't provide written consent, permission, or instructions for these transactions to be reported to my credit report. These transactions also should have been excluded from my consumer reports because I did not give consent, and there is no permissible purpose for these items being reported. None of the companies reporting gave me the option to opt-out from reporting, nor did I give them permission to report anything. I checked the post office website, and I know XXXX, XXXX, and Experian received these letters on XX/XX/XXXX. I gave them 4 days to block and remove these items. Today is day number 4 and I haven't received a response. Here is the list of items they were instructed to remove : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account NAVIENT XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer.

In this regard, I would like to point out that the late payment accounts reported by XXXX  and XXXX XXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I am writing you in order requesting assistance with my Golden One Mortgage. 
On XX/XX/XXXX, I filed a complaint # XXXX. Golden One responded with a resolution that I did not agree with due to the fact they insisted that I signed a trial modification agreement that will extend my mortgage term to 40 years! The amount due each month was only a savings of {$100.00} less than what i pay as we speak. 
When I spoke directly to Supervisor XXXX ( XXXX loss mitigation dept ) he promised that if I send the modification documentation back to him and cross a line across agreement and write " DECLINE '', he will accept it and the missed payments that was honored and approved through the COVID 19 Relief Program in XX/XX/XXXX will be applied behind the total loan amount. 

In XXXX, XXXX ( Supervisor # XXXX ext. XXXX ) promised I will not have nothing to worry about. He told me to continue making my monthly mortgage payments and everything will be fine. I trusted in him since he was the only representative to return my calls and he was the supervisor over XXXX XXXX XXXX XXXX XXXX, the original loss mitg. rep. that continue to speak to me in a very disrespectful and racially motivated manner. 

As of today, this mortgage issue is not resolve. XXXX XXXX ( XXXX ext. XXXX ) has been sending threating letters and trying to force me into signing a modification I was told to decline months ago by his supervisor. He is claiming I am in breach of contract with my lender when I have continue to make timely mortgage payments for over 18 months after my COVID 19 deferment was approved. 

I need assistance with my mortgage that is not being handled appropriately by Golden OneXXXX.
Consumer complaint received 2023-02-27
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. (MD)

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

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

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am formally disputing and requesting the immediate removal of fraudulent accounts from my credit report due to identity theft. I have no knowledge of how the theft occurred or any information on suspects, and I did not benefit financially or otherwise. Under the Fair Credit Reporting Act ( FCRA ), prompt removal of fraudulent accounts is required. Therefore, I insist on immediate action to remove the disputed information from my credit report. Please delete the following fraudulent information : 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 2023-05-04
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. (NC)

An item of public record has previously been contested on numerous occasions. The courthouse where the credit bureaus claim to have confirmed the account was contacted, and I was told that they had not provided the information requested. The credit bureaus were informed of the information I had obtained from the court, and it is still listed on my report without regard to how it would influence my ability to use credit.
Consumer complaint received 2021-12-22
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. (GA)

XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my XXXX XXXX. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with TransUnion and XXXX that for the month of XX/XX/XXXX that I was 90 days late but with XXXX they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with TransUnion that I was 120 days, XXXX that I was 150 days late and with XXXX that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.
Consumer complaint received 2024-02-28
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. (CA)

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 EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-12-22
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. (MD)

I recently reviewed a copy of my credit report and realized that Experian is not in compliance when reporting information to my credit report. The information they are reporting is NOT correct, accurate, and/or verifiable, and some of the information in my credit report seems to have been mixed or merged. Pursuant to the FCRA ( Fair Credit Reporting Act ), 12 CFR 1022, and the standards of their industry, all information reported by credit reporting agencies MUST be verifiable, MUST match, and MUST be accurate to ensure the integrity and consistency of the information they report. I've also requested Experian to provide me with the agreement that bears the signature of the alleged debtor and proof of photo identification that was presented at the time of incurring these debts in order to ensure they properly verified these accounts. These errors and negligence have been causing me great inconveniences and have affected my ability to utilize my credit for personal, household, and family purposes. The referenced accounts need to be removed immediately and Id like to receive a copy of my credit report reflecting all changes made immediately. I have also attached photos of my credit report reflecting these numerous errors. 

XXXX XXXX XXXX XXXX XXXX - credit card account XXXX XXXX - loan account XXXX XXXX XXXX XXXX XXXX - credit card account XXXX XXXX XXXX.
Consumer complaint received 2021-12-24
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. (MD)

RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting
Consumer complaint received 2017-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the Bank of America, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest. When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get XXXX to agree to Identity theft, and XXXX XXXX and XXXX. However, they would not take the debt off. The Bank of America wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XX/XX/XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the Bank of America, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by Bank of America continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX, and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the Bank of America charge off. The Bank of America does not recognize its own charge off and has left it on their books as 3 open card  accounts. Can you help me clear this up? Thank you.