davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
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. (WA)

There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}
Consumer complaint received 2021-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Ive contacted US Bank several times requesting a payoff statement. Im told each time that it will be sent but I never receive it. The only recourse Ive been provided is to keep requesting my payoff statement over and over. US Bank is the worst mortgage servicer and I hate that my mortgage was ever purchased by this XXXX institution. I want my payoff statement so I can sale and move on from this nightmare of a so-called bank.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one froze my account with no explanation. They will not help me on the phone and only send me to a voice mail that never returns my call. My mortgage payment is in there and all the money I have to live on. My husband can't get to work because he has no gas. I have XXXX kids and Ive had to sell things to be able to buy rice and beans to feed them. I got an email saying my money would be transferred in XXXX days but it has been 11 days and no one can help me or answer my questions. I don't know what the problem is other than I noticed some charges that were not mine. Im begging you to help. My mortgage is going to go into foreclosure They are holding onto about {$2500.00} of my money and that is a huge amount of money to my family.
Consumer complaint received 2021-04-21
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'VE BEEN DEALING WITH THESE ACCOUNTS THAT I DID NOT AUTHORIZE FOR SEVERAL MONTHS NOW AND THE CREDIT BUREAUS ARE STILL REPORTING THEM ON MY CREDIT REPORT.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Upon noticing that an account XXXX acct # XXXX was being erroneously reported as derogatory, I contacted all three credit bureaus. I also sent letters and emails to XXXX 
Since this derogatory account could not be validated or verified, XXXX  and XXXX  deleted said account. However, Transunion has refused to do so despite not having proof of validation and being unable to provide validation.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (GA)

Paramount Recovery Systems XXXX XXXX XXXX. 
XXXX XXXX XXXX TX. XXXX Placed fraudulent medical debt on my XXXX & XXXX, credit reports. I have dispute this fraudulent information with both agencies. Paramount Recovery never contacted me directly as required by Federal Law, concerning this alleged debt. I would have disputed the debt in question and demanded full validation as is my legal right under the law. This alleged debt can not be legally Validated as mere verification is insufficient under the law.
Consumer complaint received 2021-04-21
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 have contacted XXXX  by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2023-02-20
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. (MO)

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602.a states I have the right to privacy. 

15 USC 1681 section 604.a number 2 also states that a consumer reporting agency can not furnish an account without my written instructions, 15 USC 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states that 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 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (AZ)

I have noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES or none of that. I XXXX XXXX yes the real deal XXXX XXXX, not anybody else but me XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to at all. I am a victim of identity theft and I believe my information is being used by very very bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is damaging and is hurting my ability to purchase a home for me and my baby girl. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house one day. please resolve this matter quickly and I mean very quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed and yes this is real me XXXX XXXX, I did not have anybody else involved when I prepared this letter so that means no unauthorized person has typed this for me. IT WAS SOLELY ME XXXX XXXX who is sending you this so no stall tactics please or I will use it in my litigation case.
Consumer complaint received 2021-04-21
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. (FL)

In XXXX of XXXX I noticed fraudulent accounts on my credit report and proceeded the identity theft dispute process by providing all necessary documentation including FTC and police reports. As of XX/XX/XXXX all items in questions were removed from report as they were verified to be fraud. On my credit report for XX/XX/XXXX I noticed a XXXX XXXX credit card that was previously removed was added back to report. I proceeded to dispute again on XX/XX/XXXX and XX/XX/XXXX. I called in the disputes as well and XXXX  and Transunion informed me that there was nothing they could do to help even though they could see that it was previously removed due to fraud. This has caused an indescribable amount of stress and hinderance in allowing me to qualify for credit because of this account dragging my score down over 50 points.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Independent Recovery Resources, Inc. (NY)

After seeing a collection on my credit report. I reviewed my report I did not receive any letter or any correspondence from this collection agency what so ever in reference to a debt owed. After reviewing my credit report, I then contacted the collection agency via certified mail, they received the notice with my information/dispute & correct address where I could be reached. Informed them to provide me with the information and proof of debt and I never received a update or communication via mail. 

Sent the company the dispute on XX/XX/2021 via certified mail for the amount of {$1200.00} They received the dispute on XX/XX/2021. They put Remark on my report : " Account Information Disputed by Consumer, Meets FCRA Requirements '' but never received any correspondence in reference to Proof of debt via mail being I have no idea of what this debt is in relation to. 
again I provided my Current and correct address. Also, my report has my updated correct address on file as well. 
I have also sent out a additional letter due to no response, again with the address they should be sending correspondence to. That letter was sent on XX/XX/2021 Thank you, XXXX
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX OF XXXX XXXX XXXX : {$390.00} ; XXXX OF XXXX XXXX Balance : {$540.00}.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-22
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. (IN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AR)

I have a store credit card provided by Synchrony Financial for their " Luxury '' accounts. I opened this account in XXXX of XXXX to finance a piece of jewelery. I was told at that time there would be an 18-month interest free promotional period. The initial purchase price was {$10000.00}. In XXXX of XXXX I received my statement showing that the promotional period had ended and the interest ( approx : {$3500.00} ) added back to my balance. I called Synchrony and they explained that I was only given a 12-month promotional period and that I needed to call the merchant to discuss what happened. I then called the merchant and they explained that somehow it got messed up in processing and they were happy to fix it. The merchant and Synchrony communicated ( Approx. XX/XX/XXXX ) and the merchant provided the correct documentation to Synchrony stating that the promotional period should have been 18 months. After that, I spoke to an associate with Synchrony who confirmed that the documents were received and they would begin correcting the account. They informed me that this update would take up to ( 2 ) billing cycles to correct. After my second billing cycle ( XXXX Statement ) with no update, I then called back into Synchrony to ask what is going on. This call took place at the beginning of XXXX ( I dont have the exact date because I was at a training for the military ) and I was explained to then that it actually could take up to 60 days rather than two billing cycles. I was told that they called the " account management or merchant services '' team with Synchrony and they had received it and were currently processing it. On XX/XX/XXXX I called back into Synchrony because I have not received any further communication and nothing has been updated on my account. After speaking to the associate, they told me that nothing has been received and that a promotional period can not be extended after it has ended. Then I was told that there has been no record of this request. I now have an additional {$4500.00} of interest on the account and no one at Synchrony seems to want to help correct this error.
Consumer complaint received 2022-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/22 Venmo froze my account. 
On XX/XX/22 I replied to their email and asked if there is anything I can do to unfreeze my account ( e.g., update password ). 
on XX/XX/22 they said my account is permanently restricted. 

I have had ~10 emails and 3 phone calls and they have not identified what violation of terms of service I did. I asked them for arbitration, as that is the only recourse listed in their terms of service. They declined.

Venmo is a peer to peer money transfer service - every transaction has two parties. They have not ( to my best knowledge ) restrict the accounts of any of my counterparties ( friends ). Therefore they are alleging that something is different about me than about others. The only reason I can think of is that I am from XXXX originally, as in my online research I found that paypal- the parent company - is facing a lawsuit for doing this exact thing ( suspending accounts without explanation ) of other people with linguistically XXXX  names.
Consumer complaint received 2023-06-29
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. (CA)

This is my second 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 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-04-21
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. (NJ)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  RE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
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. (NC)

On XX/XX/year>, I wrote to you, seeking an investigation into material that I felt to be fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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