davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

Transunion is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XXXX is reporting XX/XX/XXXX. 

XXXX  is reporting a balanced owed as {$890.00}, Transunion is reporting {$890.00} and XXXX is reporting {$820.00} XXXX is also reporting a past due balance of XXXX on my XXXX report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, XXXX is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also transunion is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation. 


Under FCRA 15, U.S.C section 1681 and FDCPA 15. U.S.S section 1692 XXXX erroneously attributed debts to my report, and has failed to properly validate.
Consumer complaint received 2023-02-10
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. (TN)

According to 15 U.SC 1681 and I recently obtained a copy of my credit report and it shows I was overcharged I paid XXXX but my balance was only XXXX XXXX XXXX bank account number XXXX over charged me {$1.00}. Also when I pay my final bill it did not state or charged off as it's showing on my credit reports.
Consumer complaint received 2023-07-25
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)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2017-05-28
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. (VA)

My identity have been stolen I 'm XXXX, My XXXX opened and applied for things in my name and ruined my credit, I cant even get out of XXXX XXXX XXXX XXXX help .This is making me XXXX and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my XXXX is currently being investigated please help me fix this she recieves all my mail before I get it again I just need this fixed
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

Filed for forbearance back in early XXXX of this year due to COVID-19. Got approved for 6 months. Filed because I am a sole prop. and business had completely halted due to the SIP order by the state of CA. 

Many of my prospective clients either pulled their contracts OR we could not get to their construction due to the SIP order. Business took a big hit. 

Per my finance who holds my mortgage loan, my missed payments will not be reported to the credit bureaus but yet I see it on my report?
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (MD)

This is my 9th 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
Consumer complaint received 2023-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (NY)

I received a letter in the mail with no date ( who sends an undated letter? ), only instruction to call or write to dispute by XXXX. My written dispute went in right away and was also filed with my state attorney general. I have not heard back from the debt collector and in order to avoid a mark on my credit report went to pay today, however the website isn't taking the information on the letter they sent so can't pay.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data
Consumer complaint received 2021-02-04
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 am writing this with the ( XXXX, XXXX, Transunion ) They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright upholding the law
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga Dear XXXX Equifax Information Services Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXX**** is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/ Letter 3 :XX/XX/2020Letter 4 : XX/XX/
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (AL)

I have banked with Regions Bank for XXXX  years. I lived in XXXX and moved to XXXX, Alabama. No one knew me at the XXXX XXXX XXXX in XXXX. I applied for a NOW card to load cash on. After i received the card they wanted a copy of my apartment lease. They called twice. I am XXXX. I took the lease to them. The young lady did not not know what to do with it. I could not understand why they needed this nor would they tell me why. Then they closed my checking account and sent me a checkThey claimed they closed it in XX/XX/XXXX. Not so. Transactions were still being processed. In XXXX they closed my account. My Social Security check direct deposited was not in my account. I went to the branch. That's when they said they sent me a letter with a check. I have a mailbox at the XXXX XXXX. All mail goes there. Regions had my physical address. Did they think i was a homeless person? Why ask for a copy of my lease? I receved money from covid relief based on hardship. I cashed the check at my credit union XXXX XXXX XXXX XXXX I put some cash in regions. Did they think i was a drug dealer? Depositing XXXX usds? I was told by XXXX to go to another branch. I did. The XXXX XXXX, Alabama Branch.They found the so called check for XXXX usds had not been cashed. They issued me another check. The XXXX XXXX XXXX never even offered to look into it. I went to the Social Security Office to trace where my monthly social security funds were. The Government representative traced it. The funds were still with Regions! I took the tracing number to them. They did not want to see it. I told them that they still had my funds based on what a Federal Agency said. They did not reply. Meanwhile, I had to call creditors that i had on autodraft and explain the problem. My credit score I'm sure went down. I am XXXX and XXXX since XXXX from the Federal Government. XXXX  years banking with them. I have never experienced this in my life.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 
Account name : XXXX XXXX Bank # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX 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 2024-03-20
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX  XXXX Balance XXXX {$7000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX Balance : {$7000.00}
Consumer complaint received 2022-11-14
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-11
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. (NC)

EXPERIAN KEEPS REPORTING INFORMATION ON MY CREDIT FILE THAT THEY KNOW DOESNT BELONG TO ME, I HAVE DISPUTED XXXX XXXX  AND XXXX XXXX FOR THE LAST 9 MO AND UPLOADED POLICE REPORTS AND ARREST REPORTS AND FTC REPORTS AND COURT DOCUMENTS AND EXPERIAN AND XXXX STILL KEEP THIS LOAN ON MY REPORT.
Consumer complaint received 2024-03-20
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$73.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX CARD XXXX Balance : {$4500.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX CARD XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CT)

In XX/XX/2023 I purchased a new vehicle. I did take out a small loan for the vehicle. 
Checking my credit card statement from recently I realized I have been getting billed monthly for a credit report I do not remember authorizing in the amount of XXXX from " EXPERIAN '' . As the end of the fiscal year approaches, I simply started going over the monthly billing charges and discovered the billing from EXPERIAN. 

I contacted my credit card company XX/XX/2023 and had their further billing blocked from my card. I attempted to contact EXPERIAN in an attempt to clarify why they have billed me $ XXXX since XX/XX/2023, the algorithm on their phone line simply would NOT allow me to speak to a representative instead asking me if I wanted instructions on how to ask the company a question. 

I believe this is fraud or misrepresentation of their services since I have NEVER authorized payment for a credit card company for monthly credit reporting.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

During the Covid shutdown I called capital one to explain my hardship of not working. They agreed to forgive my payment in XXXX but moved the payment to XXXX. So I had to make XXXX and XXXX payment. In XXXX I had to make XXXX, XXXX and XXXX payment and so on. I could not afford that kind of money since I had no monthly income. I did not get unemployment. As a result, they charged off my account and ruined my credit.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I submitted multiple certified letters to TransUnion showing proof that a public record listed on my credit report should not be there. TransUnion has refused to delete this information, and has refused to investigate the incorrect information listed on my credit report and delete it as required by law. I submitted letters to the source of their information, XXXX and Courts and received information back from those sources that indeed the information on my credit report is not correct, unverifiable, and has been deleted. TransUnion has refused to believe this and delete this from my record.
Consumer complaint received 2020-11-11
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: ENCORE CAPITAL GROUP INC. (MA)

Hello, since XX/XX/2018 someone has used my name and charged me for {$690.00} on XXXX. I have never spent this amount on XXXX and the statement says that I applied for an XXXX card, which I have never done. I have just received the statement for this a couple days ago from the Midland Credit Management and I am not even aware of the address that is on the statement. The address that is under my name is XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. This is not my address.