davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-24
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: EQUIFAX, INC. (MO)

I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX  XXXX XXXX, {$3300.00}, XXXX  XXXX, {$140.00}, {$19.00}
Consumer complaint received 2023-06-13
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-01-24
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. (MO)

I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX XXXX XXXX, {$3300.00}, XXXX XXXX,  {$140.00}, {$19.00}
Consumer complaint received 2023-06-13
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. (SC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$920.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-01-24
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: Experian Information Solutions Inc. (CA)

I am writing to dispute a fraudulent charge on my account of {$25000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$25000.00} -This is not my account.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MO)

I APPLIED FOR AN SYNCB/XXXX STORE CREDIT CARD ON XX/XX/2019. I WAS UNDER THE IMPRESSION THAT THIS WAS A PRE-APPROVED SOFT INQUIRY CREDIT APPLICATION. WHEN I REALIZED THAT IT WAS A HARD INQUIRY AND THAT I WAS NOT IMPROVED, I ALSO RECEIVED AN ALERT FROM MY XXXX   XXXX ACCOUNT AND LEARNED THAT THIS EFFECTED MY CREDIT SCORE THAT I AM WORKING REALLY HARD TO IMPROVE. I DID TRY TO CALL A NUMBER PROVIDED FOR THE CARD COMPANY, BUT UNFORTUNATELY THE NICE LADY SAID IT WAS ALREADY OUT OF THEIR CONTROL. I WOULD NOT HAVE APPLIED IF I THOUGHT I WASN'T PRE-APPROVED. MY GOAL WAS TO HELP BUILD UP MY CREDIT SCORE BY MAKING PAYMENTS ON TIME WHILE ALSO PURCHASING A GIFT. I HAVE ALSO HAD A SIMILAR PROBLEM WITH AN ONLINE STORE/AUCTION SITE THAT I DID NOT REALIZE I HAD UNTIL CHECKING ON THIS SITUATION. I WOULD REALLY APPRECIATE ANY HELP THAT I CAN GET TO NOT LOWER MY CREDIT SCORE WITH THIS CONFUSING MISHAP. THANK YOU VERY MUCH!
Consumer complaint received 2023-06-13
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILDSUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. Equifax and XXXX report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.
Consumer complaint received 2023-06-13
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. (MI)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (TN)

Suntrust Bank XXXX XXXX XXXX XXXX, Tn XXXX phone number : XXXX ( XXXX XXXX ) phone number : Ms. XXXX XXXX ( branch manager ) RSSD # XXXX FDIC-Cert # XXXX On XX/XX/XXXX I opened 7 accounts totaling XXXX with SunTrust Now Truist. Mrs XXXX the bank manager approved for Ms. XXXX XXXX to open the accounts pending that I make arrangements to pay the bank the XXXX owed to the bank. Ms. XXXX and I both spoke with Ms. XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called the bank and was informed that I needed to call the bank head quarters XXXX. They informed me my account was flagged and frozen. I was given very confusing information as to why. I was told I would have to wait 15 days for an review of the account and 10-12 days if any money would be mailed to me. On XX/XX/XXXX I filed a complaint with the bank and the XXXX  .On XX/XX/XXXX I called the 800 number listed above and XXXX from consumer care department finally helped and spoke to the back office because I explained that the check deposited was from the XXXX XXXX and accident insurance company ; that i had lost my husband XX/XX/XXXX and our family needed our money back quickly and waiting months was going to be unacceptable. On Friday XX/XX/XXXX I was told by Ms. XXXX that they would be opening back up my accounts. XXXX XXXX from Suntrust now Truist left a voice message on XX/XX/XXXX stating Ms XXXX would call me in 15 or less days concerning my complaint with the XXXX XXXX XXXX. Now on XX/XX/XXXX I was told by Ms. XXXX that they had closed the accounts and on XX/XX/XXXX that they mailed me out 7 checks for each account open. Today XX/XX/XXXX I received false information that " This notice is generated when we receive your request to close your account, or when your account has had a XXXX  balance for 35 consecutive days. ''
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

I took out a balance transfer loan from Citi cards several months ago with XXXX interest until XX/XX/XXXX and XX/XX/XXXX, there were two. I was under the impression that if I still used the card and paid the purchases off each month I would not have to pay interest on the purchases. As it turns out even if I do pay it off each month, for the purchases, I am going to be charged interest because I used the card with a transfer balance on it. This seems fraudulent to me.
Consumer complaint received 2023-06-13
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. (TN)

I received my credit report on XX/XX/2023, and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.
Consumer complaint received 2019-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (OH)

I am writing to you to complain about Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX. I have found adverse account information listed on my credit reports, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I have no known or verified accounts with this business. I did not receive any debt validation correspondence from Midwest Recovery Systems before they unlawfully reported errnous account information. Midwest Recovery Systems continues to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXas recent as XX/XX/2019. Midwest Recovery Systems is continuing to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1600.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.
Consumer complaint received 2019-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (MI)

THE ACCOUNT FOR XXXX XXXX WAS FOR {$1900.00}. IT WAS SUPPOSED TO BE PAID FOR IN XX/XX/XXXX. I had payment taken out of savings account. because I knew when the account should have been paid in full I did not check my account. When I checked the account, it was discovered that America first continued to take money out in a total of {$4400.00} for a bill only owed for {$1900.00} Their phone number is ( XXXX ) XXXX.
Consumer complaint received 2023-06-13
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-25
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. (FL)

Equifax continues with their explanation of there not being a bankruptcy on my credit report, however as of XX/XX/2023, I received a copy of my Equifax credit report with XXXX XXXX : Explanation : a bankruptcy is own your credit report. This information is coming from their company and their sources. Then they investigate and their results show that no bankruptcy is showing on my credit report. They are saying one thing but the information that they are dissimilating about my credit shows something totally different. 
Therefore their investigative results still prove to be erroneous. There need to be a more thorough investigation because this misleading information is somewhere in their system. If it were not, it would not show up on the recent credit report that I received. I received a response from them on XXXX XXXX, 2023 and it does not seem that much effort was put into their search.
Consumer complaint received 2023-06-13
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 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 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
Consumer complaint received 2023-06-13
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 am submitting my complain today and I know that you have enough time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for you to correct these following accounts : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OH)

This is reporting on my XXXX Credence resource Account status collection Date opened XX/XX/XXXX  Past due {$320.00} I have reached out to the company to inform them that this transaction was a fraudulent transaction and I would like them to investigate and send me any forms with my signature on it. 

This is reporting on my XXXX account Credence resource Account status collection Date opened XX/XX/XXXX  Past due XXXX This is the same charge that I reported for fraud. 
Also under the ( Fair credit reporting Act 15 U.S.C. 1681 and follow ) creditors or collectors are not allowed to report inaccurate information to your credit reports. I would like these accounts removed and deleted from my credit reports immediately or I will be pursuing actions under this law. 

THIS IS AN INQUIRY THAT I DID NOT APPLY FOR. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

On XX/XX/2021, I sent in a request for validation to said Company AMERI COLLECT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Notice to XXXX, Equifax, XXXX Consumer financial protection bureau I choose to opt out of the following credit reporting the following companies have not asked properly my permission for credit reporting and I choose to Activate my consumer options according to 15 USC 1682B to opt out of Their monthly credit reporting according to permissible purpose consumer law. 
STOP THE CREDIT REPORTING FOR THE FOLLOWING ACCOUNTS. 
___XXXX XXXX XXXX XXXX XXXX XXXX XXXX___REMOVE__ACCOUNTS__REPORTING___NO___PERMISSION_TO__REPORT._______________________________________________________________________________________________________________________________________________________________________________
Consumer complaint received 2023-05-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

Hello, My homeowners insurance dropped me. They will not reinstate my policy. I called my lender company to let them know they needed to send my insurance payment as soon as possible. They were provided with an overnight address and advised from my insurance company that it was crucial they send payment in as soon as possible. They did not. They claim their system sent the payment automatically and it was sent XX/XX/2023, and it was due XX/XX/XXXX I believe. My insurance company says they didnt receive payment until XX/XX/XXXX. I should not be penalized for something that wasnt my responsibility. I cant afford the extra {$200.00} that it will cost me to get new insurance. This is not ok and unacceptable.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My credit rating was at XXXX for years. 
On XXXX I traveled from XXXX to XXXX to look fpr a new home. Suddenly, my credit rating dropped to XXXX. I was ineligible to buy many co-ops and condos due to my credit rating being under XXXX. 
I looked at my credit report and 3 charges from years ago appeared on there. In addition. Experian claimed I paid only 2 of my accounts on time. 
I have been devastated by this inaccurate reporting.