davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 


Thank you for your time and help in this Matter.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I disputed incorrect information XX/XX/2022 by sending off a letter to XXXX, Experian and XXXX. Some reports were removed and each Reporting Agency has incorrect and inconsistent information. XXXX has open accounts that are also collections. My addresses are wrong and Experian and XXXX are not reporting open and closed accounts reported on XXXX. XXXX has incorrect addresses and work place. They reported XXXX as an open account and a collections. There is an open account with no Account name or contact information. Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX are not reported as open accounts on other reports. Experian has the wrong addresses, open, closed and collections as well. I also sent a cease and desist letter last month to the collection accounts that included of 15 U.S. Code 1692c and 15 U.S.C. 1692d to cease all communication with myself or any person through any medium, that includes Experian, XXXX and XXXX. There should be no further updates on any accounts of collections and the collections need to be removed completely. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. According to the 15 USC 6802, no financial institution can share my information to third party persons without my consent.
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2023 there was an inquiry on my credit report from XXXX XXXX that I did not apply nor approve.
Consumer complaint received 2021-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have a copy of a letter I received from XXXX XXXX XXXX dated XX/XX/XXXX telling me XXXX XXXX XXXX would request a fraudulent hard inquiry to be removed from my credit reports. Today, over 7 months later Equifax has not removed this fraudulent inquiry from my credit report. I also sent Equifax a police report related to this on XX/XX/XXXX. Equifax is supposedly investigating this as confirmation # XXXX. I spoke with them yesterday XX/XX/XXXX and they dropped my call after 45 minutes on the phone with them without them giving me any status information on this incident.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My complain is against Chase bank. On XX/XX/XXXX and XX/XX/2023. I noticed my chase bank account was withdrawn without my authorization with {$3900.00} and {$4500.00} using fraudulent checks in person at a Chase branch. It has been more than 3 months and Chase fraud department closed the compromised accounts without providing any explanation or telling me if i will get my money back or not. I called them today XX/XX/2023 XXXX option XXXX, they said call back in XXXX bussiness days, the issue will be escalated by the bank. Chase bank previously told me i did not need to file a police report at this time. I already submitted all the documents the bank asked, I do not understand why they don't review the security cameras and catch this thief. The last time I spoke with Chase, the Supervisor stated Chase bank does not conduct criminal investigation. I remember, i lost XXXX personal check written to my landlord to pay rent at the end of XXXX XXXX at a usps mail box corner of XXXX XXXX and XXXX XXXX XXXX the XXXX XXXX I asked Chase to block this check # XXXX. I believe the thief used that check account number to commit fraud.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (TX)

I moved from XXXX, North Carolina to XXXX, Texas on XX/XX/XXXX, however my lease wasn't set to end until XX/XX/XXXX. Prior to moving, I contacted XXXX XXXX and scheduled to end my service on XX/XX/XXXX as well as provided them my new address. 

On XX/XX/XXXX I received a paperless bill with a balance due of {$230.00}. This charge consisted of {$130.00} new charge and {$100.00} from the previous bill. However, when I logged into my XXXX account and paid, it only charged my card for the new amount of {$130.00}. 

I believed my account from XXXX to be settled and did not know of the {$130.00} ( the XXXX from XXXX and the partial from XX/XX/XXXX - XX/XX/XXXX ) that was still pending as unpaid on my account. 

In XXXX of XXXX, I went to get pre-approved for my first home mortgage loan and was made aware of a subpar credit score on XX/XX/XXXX. On XX/XX/XXXX, I was told by the lender that I had a collections charged to my credit score in XX/XX/XXXX by a company called Helvey & Associates. I had to ask who Helvey was as I had never heard of them and were told they were trying to collect {$130.00} from me after buying the debt from XXXX XXXX. 

This was the first time I was hearing of this unpaid account balance. No letters from XXXX XXXX, calls from XXXX XXXX, letters from Helvey, or calls from Helvey were ever received or this charge would have been paid immediately. 

I called Helvey and was told there was nothing they can do but I could pay XXXX and appeal. I immediately called XXXX XXXX, paid the balance, and was told they would notify Helvey. I am now being told that despite the lack of communication concerning this charge by both XXXX and Helvey, and the fact I paid immediately upon learning of it, nothing can be done to delete it from my credit report and help to repair my credit. 

I have a long-standing history of on-time payments, including credit card bills, rent payments, car payments, and payments to XXXX XXXX themselves.
Consumer complaint received 2024-02-01
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

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 {$8200.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PROVIDENT FINANCIAL SERVICES, INC. (NJ)

I AM COMPLAINING AGAINST PROVIDENT BANK FOR HOLDING MY FUNDS FOR THE AMOUNT OF {$59.00} I AM NOT A CUSTOMER WITH THE BANK ANYMORE MY ACCOUNT IS CLOSED WITH THE BANK, THE MERCHANT XXXX HAS ALREADY SEND THE BANK MY REFUND AND THE BANK ACCEPTED THE REFUND BUT THE BANK IS NOT RELEASING MY FUNDS BECAUSE THEY ARE SAYING I HAVE TO WAIT 45 DAYS BECAUSE WHAT IF THE MERCHANT CLAIM THE FUNDS BACK WE DID THREE IN ONE CALL XXXX TOLD THE BANK WE ALREADY REFUNDED THE CUSTOMER HER MONEY BACK WE CAN NOT TAKE THE MONEY BACK ITS THE BANK RESPONSIBILITY TO GIVE ME MY MONEY BACK ASAP BUT INSTEAD THE BANK IS MAKING ME WAIT FOR MY MONEY FOR 45 DAYS WHICH THE MERCHANT ALREADY RELEASED IT.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX i paid off Capital one auto loan, XXXX XXXX XXXX purchase from XXXX XXXX, XXXX XXXX, CA. Never got reported. 
I used my previous name ( Legally changed ). Never shows up on my reports. I told them to change it that time. 

Previous Name : XXXX XXXX ( Changed in XXXX ) Current Name : XXXX XXXX I should have all my past showing in my report under XXXX XXXX.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

On  XXXX   XXXX ,    2017 a hard inquiry was placed on my  XXXX  credit report by One Main.    I called and requested them to have it removed but it is still there.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

On XXXX2021 a {$2100.00} order was placed using my account and store credit card. Best Buy cancelled the order and told me to change my account password. This does not resolve the fact that my credit card number is compromised. I also have no information to help me determine if this is an isolated incident, either for Best Buy, or myself.
Consumer complaint received 2023-06-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

I have been trying to make my mortgage payment of {$570.00} for XXXX. The mortgage company, Mr Cooper, will not take my payment. I keep being told that they did not receive my mortgage for XXXX and XXXX but they did. On XX/XX/XXXX I called and spoke to XXXX. XXXX stated that XXXX and XX/XX/2023 payments were not received ; therefore, she could only accept a {$1800.00} payment for my XXXX mortgage. My mortgage is not {$1800.00}. It is {$570.00}. I advised XXXX that the payments were made. I followed up with the email showing the XXXX and XXXX proof of payments from my bank statements. XXXX said to call back and I would be able to make the XXXX payment once they verified these. On XX/XX/XXXX I called again and spoke to XXXX. XXXX confirmed that the XXXX and XXXX payments were received ; however, they were not keyed into the system yet so XXXX screen would only allow her to take a {$1800.00} payment. I asked to speak with XXXX since I had received an email that she was working on my account. XXXX said that XXXX was on another call, but that XXXX would call me back as soon as she was off her call. I received no call back. I sent a follow up email XX/XX/XXXX again explaining that I am trying to make my mortgage payment. On XX/XX/XXXX, I called and spoke with XXXX. XXXX stated the XXXX and XXXX payments were not made. I was put in contact with the supervisor XXXX. XXXX talked about several dollar amounts. I stated that I needed to simply make my XXXX payment of XXXX. XXXX said he could not take my payment. XXXX said my XXXX payment had not been made. I explained to check the records and then sent XXXX an email showing the proof of payment. XXXX would not acknowledge the proof of payment that is in front of his eyes and began talking in circles. I said that I was confused and to please put in writing what he was trying to explain, as I am worrying that I may need an attorney. XXXX said that MrCooper will not send me my loan information in writing.
Consumer complaint received 2023-01-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: OneMain Finance Corporation (WV)

On XX/XX/2023 One Main Financial contacted my parents about a debt I owe. They told my parents they need to talk to me about a past due debt I owe them. This is very embarrassing, and if I understand the federal law correvtky, what they have done in discussing my debt to my parents violates Federal Law. They have also not ceased to call me numerous times a day for weeks now concerning this debt.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (UT)

I have tried to fix my credit report with Equifax. It states report locked for promotional purposes. I have requested that they remove it several times. Also none of my accounts shows up when in fact I have a mortgage and other open accounts that would increase my credit score. 
I have submitted dispute online about this issue at least 5 times, I have called into the agency at least 10 times. I have written them. Still no response and no correction. This is keeping me from getting mortgage refinanced or obtain other loans. 
We should have start a class action lawsuit against Equifax so they respond appropriately. Seems like a monopoly to me.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 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. 

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 2023-04-11
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. (TX)

Equifax failed to comply with 15 USC 1681s-2 ( b ). Equifax is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Equifax failed to conduct a reasonable procedure by their own industry standard of Metro 2. XXXX failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Equifax failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Equifax failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Equifax has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Equifax is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2024-01-13
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. (GA)

XXXX, Experian, and XXXX on or around XXXX responded to my letters without following FCRA guidelines. They were unable to verify the accounts on my consumer reports with my signature within 30 days. 

XXXXXXXX XXXX XXXX AMMOUNT : {$69000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AMMOUNT : {$750.00} ( XXXX XXXX XXXX XXXX LATE PAYMENTS NEEDS TO BE REMOVE REASON : 15 U.S CODE 1681a- ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report.

INQUIRIES NEED TO BE REMOVED. I DID NOT AUTHORIZED THEM. THESE COMPANIES DID NOT PROVIDE AND SIGNATURES SHOWING THIS
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

These folks have been robo-calling me at the office about a debt owed to a "  XXXX . '' I am not  XXXX  and I do n't owe them any debt. I called them and asked them to stop calling me and they were rude and hung up on me.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am a member of XXXX XXXX XXXX XXXXXXXX XXXX. A few weeks ago I noticed an inquiry on my account that I did not authorize. I contacted XXXX and they removed it. Two days ago I got an alert that my credit score had dropped XXXX points and there were several more inquiries on my account that I did not authorize. I froze my account with XXXX, Transunion and XXXX. I called each company and disputed these inquiries. These inquiries are : Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2024-02-01
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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: Cascade CISS Holdings, LLC (WA)

company below ran a hard inquiry without my consent. 
No idea what CIS XXXX is Please remove from record and I would like to report and Sue CIS XXXX. 

CIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

In XXXX an account XXXX XXXX  was disputed from XXXX  with a balance XXXX and was investigated upon results they updated the credit report but failed to remove the account for inaccurate reporting this account belongs to a person with similar name. We reached out to original creditor they failed to provide proof of this account. Please remove account immediately. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX,