davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

ComenityCapital Credit Card Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Removal of Fraudulent Ikea Credit Card from My Profile Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious issue regarding my credit profile with ComenityCapital. It has come to my attention that there is an Ikea credit card listed on my profile that is fraudulent and was not initiated or authorized by me. I kindly request the immediate removal of this card from my profile as it is negatively impacting my creditworthiness. 

I would like to inform you that I have taken the necessary actions to rectify this issue promptly. Firstly, I have filed a police report for this fraudulent activity, providing all relevant details in an effort to hold the responsible parties accountable. Additionally, I have registered an official complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) ensures the accuracy, fairness, and privacy of consumer information. Furthermore, it empowers consumers to dispute any inaccurate information on their credit reports. Section 611 ( a ) ( 1 ) ( A ) specifically states that credit reporting agencies must promptly remove information upon notification of fraudulent activity. Given the fraudulent nature of the Ikea credit card on my profile, I kindly request immediate action to comply with the law and remove this item. 

I have attached copies of the police report and the FTC complaint for your reference and records. Please acknowledge receipt of these documents and inform me of the steps you have taken to investigate and resolve this matter. It is imperative that this issue is resolved quickly to prevent any further damage to my creditworthiness. 

I request that you provide written confirmation of the removal of the fraudulent Ikea credit card from my profile within 30 days from the date of this letter. Failure to address this matter promptly and accurately may result in further action being taken, including the involvement of legal counsel to protect my rights as a consumer. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Should you require any further documentation or information, please do not hesitate to contact me at the above-mentioned phone number or email address. 

Thank you for your prompt resolution of this issue and for ensuring the accuracy and integrity of my credit profile. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-25
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & XXXX XXXX which is impacting my ability to XXXX, causing problems at my XXXX & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$120.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX  XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$910.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00} XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00}
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I asked XXXX in the CEO office to please give me the person frauding me from XXXX XXXX XXXX information since USAA would do nothing to help me. He refused but told me to contact XXXX XXXX XXXX. I have been refused access to the XXXX of XXXX XXXX. There is no one in charge of USAA bank. I have had to speak with subordinates who have not helped me. I gave XXXX name and phone number of the fraud person. USAA has been cited and fined for money laundering. That is not this situation. I also cooperated by deleting an external account to stop this fraud. USAA is out of control and needs to be monitored or closed.
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX has been posting late payments to my consumer report I have tried to dispute this information for months and many disputes. it's against the law to report credit transactions on a consumer report. According to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Exclusions it states report contains information solely as transactions or experiences between the consumer and the person making the report ; Reporting transactions is illegal.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-10-27
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. (SC)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX 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 XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX 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 an account without my handwritten instructions.
Consumer complaint received 2020-11-10
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: EQUIFAX, INC. (CA)

I am trying to rent an apartment and today XX/XX/20 I got my credit ran to see if I qualified to rent an apartment and I was told that I was not eligible at this time due to having several accounts in negative standing on my credit history. I looked through my credit report and I saw accounts from several different companies that do not belong to me. I did not open any account with the companies I listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of these debts. I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 
All companies listed below have violated my rights. 

Achieve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEE RESOLUTION BOX BELOW FOR LIST OF VIOLATED RIGHTS!
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

On XX/XX/2023 I requested an updated escrow analysis due to my mortgage payments escalating dramatically from approximately {$3200.00} to approximately {$5200.00} dollars. I indicated that I would like to resolve the escrow shortage in one payment and return to the lower monthly mortgage payment. I indicated that the increased loan amount could cause me to lose my home and it was unreasonably for the loan to increase so dramatically. 

I was told orally, over the telephone on XX/XX/XXXX by case manager that the escrow analysis was in progress, and finally I was orally told by the same case manager that it had been completed. The escrow shortage amount provided to me orally over the telephone by my case manager was {$15000.00} ( approx ), of which {$10000.00} was considered a ( shortage ) and the remaining balance a " cushion ''. I asked to be provided this information in writing, with a final payment amount so I may settle the balance and resume my lower mortgage payments. Additionally, I noted that by law the cushion amount is only allowed to be XXXX of the overall annual payments ( escrow and insurance ), and could they please provide an explanation as to why my " cushion ''. which is supposed to be approx. {$2300.00}, is {$4200.00} ( based on the oral information provided ). 

I asked the company to provide me the escrow analysis statement, and final payment amount in writing again on XX/XX/2023. 

In short and to summarize, - I was told I would receive the final escrow analysis statement by XX/XX/XXXX - XXXX XX/XX/XXXX, I was told the statement was delayed and it would arrive by XXXX XXXX On XX/XX/2023 I contacted my loan servicer and requested to speak with a supervisor or someone in the escrow department. I was told my case manager would contact me in 24-48hrs, and that I could not speak to the escrow department directly. 

The mortgage is serviced by XXXX/Lakeview Servicing XXXX
Consumer complaint received 2023-07-17
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. (CA)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : Dispute of XXXX XXXXXXXX Account # XXXX on Credit Report I am writing this letter to dispute the information you have reported in my consumer file relating to the aforementioned XXXX XXXXXXXX account. I have recently reviewed my credit report and found this account negatively reported, which I believe to be in error due to it being past the statute of limitations for reporting under Georgia law. 

According to my records, the last day of activity on this account was on XX/XX/XXXX as reported by TransUnion, while XXXX reports no data concerning this. As per Georgia 's law, the statute of limitations for reporting a debt is generally six years. Thus, this information should no longer be appearing on my credit report as of XX/XX/XXXX.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

. See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I submitted letters to XXXX, XXXX, and Transunion asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.
Consumer complaint received 2023-07-17
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.

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 2023-02-20
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: EQUIFAX, 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.