davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$4100.00}
Consumer complaint received 2023-02-24
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2.00}
Consumer complaint received 2022-10-17
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: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield & Associates is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with Wakefield & Associates XXXX This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Wakefield & Associates to DELETE the negative item from my credit file, immediately I demand for Wakefield & Associates to DELETE the negative item from my credit file, immediately. I requested for Wakefield & Associates to abide by the law and send the required disclosures. I am only exercising my rights as a consumer by demanding Wakefield & Associates to abide by the law
Consumer complaint received 2022-10-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a a complaint that they are reporting inaccurate and incomplete credit information and breaking the law. On XXXX and on XXXX I sent them a letter to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in letter and they never did it is now XXXX and the accounts are still on my report they have not sent proof and are breaking multiple laws. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2022-10-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a a complaint that they are reporting inaccurate and incomplete credit information and breaking the law. On XXXX and on XXXX I sent them a letter to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in letter and they never did it is now XXXX and the accounts are still on my report they have not sent proof and are breaking multiple laws. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WY)

XX/XX/19 fraudulent charge from copy-cat website out of XXXX for {$88.00} XXXX ( purchase info input at XXXX XXXX, now known to be a fraudulent website ). Purchase was supposed to be from XXXX for {$82.00}, a US based company not XXXX. 100 % fraudulent charge, no legitimate purchase confirmation or shipping information as of XX/XX/19. XX/XX/19 talked to a security/fraud supervisor and general customer service supervisor trying to dispute. They wont pursue fraud dispute until I wait 2-3 weeks to see if I get the fake merchandise. A simple web search revealed it was a fraudulent website but Chase wouldnt do anything about it. They would not elevate my concern above a first level supervisor. Chase did not follow through with their 100 % no liability for fraudulent charges claim. They are committing fraud and false advertising.
Consumer complaint received 2024-04-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have been trying to get the abstract cleared on XXXX XXXX XXXX XXXX, NY XXXX since XX/XX/XXXX. HSBC bank has given me XXXX different email addresses and many different departments. I have spent hours on the phone with them and my attorney 's office. The attorney says this is not difficult for the bank to resolve, however we can not get them to do it properly. Please see all attached below. I have filed a complaint with the XXXX, XXXX that has not helped. I am at my wits end and simply do not even begin to know what to do anymore. I am in grave danger of losing the sale to the home and am paying the buyers extention fees. I only have 20 days since XX/XX/XXXX, the date we were supposed to close, or I will lose the sale. Please help. I can also be reached at XXXX. 
The following is what XXXX needs to do and hasn't/wo n't do ( emailed from my attorney ) : As you are aware, XXXX DID file a discharge of the mortgage at setout # XXXX for {$25000.00} but DID NOT include in the discharge the Supplemental Mortgage at setout # XXXX which created a single lien in the amount of {$30000.00}. These XXXX mortgages SHOULD HAVE BEEN XXXX TOGETHER ON XXXX DISCHARGE. 

Back when the mortgage was paid off, the XXXX XXXX XXXX was not computerized. Had they computerized at the time, they would have rejected the discharge from XXXX XXXX because it did not include the supplemental mortgage which has created the nightmare we have been in for the past XXXX months! Accordingly, they recorded the discharge for {$25000.00} but left the supplemental open of record. When we ordered a continuation of your abstract, the abstract company caught the mistake and noted it in the abstract at setout # XXXX. 

What we need the bank to do now is prepare a new Satisfaction reciting : that the {$25000.00} mortgage to XXXX XXXX Bank dated XX/XX/XXXX and recorded on XX/XX/XXXX in Book XXXX at XXXX was XXXX in the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, in Book XXXX at Page XXXX. ( See setout # XXXX ). AND they need to add language to the new discharge like : " Said discharge inadvertently omitted a supplemental mortgage to XXXX XXXX Bank dated XX/XX/XXXX in the amount of {$9300.00} recorded in the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in Book XXXX at Page XXXX. This supplemental mortgage is PAID IN FULL and ( whatever entity is authorized to sign ) ________________ does hereby consent that the same be XXXX of record. ''
Consumer complaint received 2023-06-28
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. (NY)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX
Consumer complaint received 2023-02-24
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: 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. 

Accounts, DPT EDXXXX : # XXXX, DPT EDXXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXXXXXX XXXX DPT EDXXXX, XXXX, DPT EDXXXX, XXXX XXXXXXXX, DPT EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX has all violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (NV)

This collection appeared on my credit report from a company I have never heard of. I have contacted them and asked for proof of the debt and have not received any information, only a demand for payment or they will leave it on my credit. It is severaly impacting my credit score and I feel as if I am being extorted for money that I do not owe.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (NY)

I have been calling Equifax Dispute Department for months, I have been mailing dispute forms to Equifax for months, I sent them the appropriate required letters along with the information they told me, My govt issued Identification card, My social security card, My utility bill, a cover letter, I have enclosed the FTC report each time, explaining the identity Theft that occurred on my credit profile. 

Today of ths date, XXXX the XXXX 2023 at XXXXXXXX XXXX I spoke with XXXX from the dept i was transferred to from the dispute automated system, He put me through a security step in which I was successfully verified. 

I explained to him that I have a fraudulently opened account in my name, an inquiry fraudulently attempted and my current address they are reporting is inaccurate.I also told him I sent in the documents, he placed me on hold, kept telling me the documents weren't received, then he said he sees them, then he said they weren't the correct ones, he stated that the FTC was wrong, then he said the FTC expired, he told me he honestly doesnt know whats going on, he said he doesn't know what to do, he kept suggesting I send the documents, then he stated he thinks they got them on the XXXX of XXXX, then processed them on the XXXX of XXXX, He also stated multiple times that i should I asked him what happened to my docs I already sent? 
He stated that i should send again, I asked then what's next, I aske him to report the fraud and identity theft that occurred, I told him that i sent documents multiple times the past few weeks, I told him everything on the list, then after saying he couldn't see, he told me he can see the docs I sent, and recanted, i told him how is the FTC report not complete?, he stated that it doesn't show the details, I said it shows the account number the date and a summary of what happened, he agreed, then proceeded to place me on hold, he then came back to phone saying he doesn't know what to tell me, I replied " Im calling Equifax as for assistance, he then became rude and stated we have been on for XXXXXXXX XXXX, I said but im calling as a customer of Equifax for help, he then stated he cant help and tried to conclude call without me finished or his assistance. He concluded the call he didn't honor my request to report the identity theft, he didn't take initiative to fix the inaccurate address currently reporting on my account
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (IL)

I received my reinvestigation back from XXXX, XXXX and Equifax .They said everything is 100 % Complete and Accurate. I would like to receive the Description Of Reinvestigation Procedure According to FCRA 15 USC 1681i ( 7 ). 

Because the list of account below are NOT ACCURATE. The Open date, date last active, account type, date last payment, past due, Last Reported and Payment History is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-02-24
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}
Consumer complaint received 2023-06-28
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. (TX)

As of XXXX and XX/XX/2022 it started sharing my private data TransUnion credit bureau and XXXX credit bureau Are in direct violation of the fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly state 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 written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late payment for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Report Act.
Consumer complaint received 2022-10-17
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX 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 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX 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 2023-03-06
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: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported inaccurately and I request that they be removed from my credit report : XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I have carefully reviewed my credit report and have found that these items are not accurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. 

Furthermore, I would like to draw your attention to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive or harassing tactics when attempting to collect a debt. The collection practices of these companies have caused me undue stress and XXXX 

I request that these items be removed from my credit report as soon as possible. If the items are not removed within the legally required timeframe, I will be forced to take legal action to ensure that my rights under the FCRA and FDCPA are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX