davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
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. (NV)

I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor Transunion, XXXX   or XXXX  provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.
Consumer complaint received 2021-12-07
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. (FL)

I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to 15 USC 1681s-2 XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX and EXPERIAN allowed inquiries to be placed on my report without my consent. After 3 disputes challenging the inquiries, the company stated that the inquiries were valid, but DID NOT provide an original document/application with my signature. The company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of their investigations, they stated in writing that the items were verified and are being reported correctly? The company did not state who verified the accounts. XXXX and Experian DID NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it which is required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally both companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

There are numerous inquiries on my credit report that I do recognize or authorize. I am a victim of identity theft through the military PII leak. Furthermore, unscrupulous characters recently stole my information to tried claim unemployment benefits under my name. I learned how to freeze my reports and since have frozen them.

The following are the unauthorized inquiries that have hit my credit report. 

XX/XX/XXXXXXXX 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 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (TN)

Chrysler Capital hit my XXXX  credit report when Idid not apply for credit. They did it on XX/XX/2021 and XX/XX/2021. I wrote them a letter on XX/XX/2021 asking them to send me a letter saying I did not authorize them to check my credit on XX/XX/2021 and for them to send it by XX/XX/2021. They hit it again on XX/XX/2021 again not authorized by me. The person they are checking lives in another state per my credit report.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (LA)

I went to XXXX XXXX of XXXX, la. & used my XXXX moneycard to make a withdrawal from the chase atm. I made a withdrawal of XXXX dollars, with atm fee charge of XXXX dollars, but i notice once i got the receipt that i was charged another XXXX.This was today, XX/XX/2019.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (TX)

I have a collections account with Diversified Consultants, Inc. XXXX for a XXXX XXXX account which is not accurate. account ends in XXXX I have tried to get copies of this invoice from XXXX XXXX as well as Diversified Consultants, Inc.and have never received it on an account that was previously paid off. 
They are incorrectly reporting on my credit reports that the debt is legitimate although they have not provided me with proof of the debt ( even thought I paid off this account years ago ) and they are now refusing to remove the debt from my credit report. 
My name is XXXX XXXX, XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. XXXX and XXXX had their record-keeping been accurate, and NO complete payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, MUST correct or remove this collection account immediately.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I am having a very difficult time with Shellpoint Mortgage. After struggling through COVID for almost 2 years I am back to work full time. I I am self employed and own my own company. We were shut down during COVID. Now that my business is back to normal I applied for a modification. On XX/XX/2022 I was declined by Shellpoint. The decline letter is stating based on a NPV calculation. What? We just went through a pandemic and Shellpoint placed me on a COVID 19 Care Act Forbearance. I don't understand this. HUD has advised me that based on my income and mortgage payment, that I meet the mortgage banking guidelines for approval.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (MO)

XXXX XXXX is reporting to the credit bureaus that I have a {$100.00} credit limit, but my balance is {$270.00}, I called to ask why are they reporting it like that, and was told " your credit limit is {$100.00}, but we allowed you to purchase items totaling {$280.00} '' First item {$92.00}, on a {$100.00} credit limit ... the next item was {$180.00} on a {$100.00} credit limit, so why would they do that, it makes the customer look like they are way over the limit, why not report the total balance you allowed to be purchased? 

Spoke with rude supervisor XXXX, he said " it's over the limit due to missed payments '' NO, it's over the limit because of the charges you allowed I fell behind after Covid and out of work, but it is not the reason it is over the so called {$100.00} limit, This should not be allowed Also I never was told I had a credit limit, when I made the first purchase of {$92.00}, I could have ordered {$300.00} worth of merchandise, the first rep told me that I didn't have a credit limit, he hung up on me and I called back and asked for supervisor
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated (OH)

Hello, I do not recognize the company who is suing me. I do not owe them any money. Someone named XXXX XXXX has tried numerous times to sue me for a debt he bought over 10 years ago. I am not sure if this is the same person. I have not received any court documents. The first I am hearing of this latest law suit is today when the company took {$2200.00} from my checking account leaving me with very little money to pay my bills. It is this same person who was eventually sued by someone else and he had to stop trying to collect from people. He is trying to ruin my credit and my finances. The company Unifund CCR , LLC, XXXX XXXX XXXX, XXXX, OH XXXX is the company that sued me. They can not legally sue me for a debt that I did not take out with them and that is over at least 10 years old, perhaps 13 years old. I need him to stop once and for all. 

The garnishment was dismissed on XX/XX/XXXX. Five years later on XX/XX/XXXX, a certificate of judgement was filed. Almost 3 years later, an aid of execution was filed by the garnishee. It indicates that I was served on XX/XX/XXXX. I never received anything. I moved over a year ago by then but the XXXX County Clerk of Courts says that I received. On XX/XX/XXXX, it indicates the answer of garnishee was filed. I was not privy to that either. On XX/XX/XXXX, the garnishee contacted my bank to take my money. I still have not received any mail. The company or the clerk of courts in XXXX County Ohio can produce any documents stating that I signed anything acknowledging receipt.
Consumer complaint received 2021-12-07
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: LEXISNEXIS (PA)

I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete the Public Record ( Bankruptcy ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify this record, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate this record ; This company claims to have obtained this Bankruptcy record from XXXX XXXX XXXX XXXX but in the evidence I attached, you can see that United States Bankruptcy Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, therefore, since this company furnished this record to the other reporting agencies such as XXXX and XXXX, these disputed items will need to be removed immediately. 

Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the Bankruptcy record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and XXXX does not have any address at all ; I asked for documentation to be provided to me if the disputed record can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist. 

Proof of the letter from Court is attached.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

target red card sent me a letter on XX/XX/18 saying my account is closed which is so mind bothering i did nothing wrong i submitted my payment now they closed my account and this going to affect my credit score i asked them to let me submit letter from my bank but i keep getting hanged up on from over seas reps i feel discriminated from all of this i even made means right, i returned the items i bought to get back to my balance even made a payment at the store the other day please open my account back.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX accordance with the Fair Credit Reporting act 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 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've disputed this XXXX account several times. This account was not investigated by Transunion, XXXX or XXXX. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This XXXX account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from XXXX. I never received any proof and information that was requested that it was in fact ever investigated.
Consumer complaint received 2022-05-26
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. (NC)

I sent a dispute letter to both TransUnion and XXXX regarding inaccurate and incomplete information that is reporting on my credit report. They have not responded nor investigated the incident. The letter is attached to this complaint.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tromberg, Morris & Parnters, PLLC (FL)

To Whom It May Concern : I sent a letter to XXXX XXXX XXXX, receipt number : XXXX, XXXX to formally advise that I believe the company XXXX XXXX XXXX which Tromberg, Morris & Pouling PLLC is representing has violated several of my consumer rights. Specifically : They failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. The letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false. I will use the Estoppel in my defense.

I expect to receive the proof requested above within 3 days of this complaint before Pre trial Conference on XX/XX/2021. Should they again ignore my request for validation of debt I reserve the right to sue XXXX XXXX XXXX company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

Attached all the documents I sent to XXXX XXXX XXXX Kind regards,
Consumer complaint received 2021-10-01
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: PENTAGON FEDERAL CREDIT UNION (GA)

Called creditors with fraudulent inquiries on my report namely XXXX as well as the Bureaus. The creditors do not show any accounts with my name and XXXX will not remove the inquiries. They want the creditors to provide me with a letter which they are stating they can not provide because I do not have an account. I did not apply with XXXX XXXX XXXX XXXX, Pentagon FCU, XXXX XXXX or XXXX XXXX XXXX
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GUARANTEED RATE INC. (TX)

I did apply a home loan through KBHS home loan ( KBHS ) for a new build property sold by KB home. KBhome required me to have " pre-approval '' through KBHS home loan even later or at the end that I use 3rd party lender for closing. 
As a result, in XXXX I did apply the home loan through KBHS home loan and was approved. They did pull my credit report ( hard pull ) on XX/XX/2021, which I did authorize during the application. 
In XXXX, the house completion date was approaching so I started to shop the interest rate and applied loan with 3rd party lender. KBHS hard pull my credit report on XX/XX/2021, without my consent and without any of my explicit, e-sign, email nor verbal authorization. That was definitely against my will. 
I have home loan and credit cards, but doesn't mean the creditors can pull ( hard pull ) my credit report at any time they like without my consent or authorization. I understand soft-pull is okay. 
In this case, KBHS did not provide the rates nor get my approval before they hard-pull my credit report. If they didn't provide a competitive rate for me to compare, how do I determine I should still go with KBHS and then let them pull the credit report?

Since that was an unauthorized credit inquiry, I request the record of such inquiry should be removed from the 3 credit bureaus as a remediation.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've been trying to resolve this acct since XX/XX/2018 with no resolution from Experian and XXXX. I have sent SEVERAL account verification requests and this acct with XXXX XXXX XXXX has not been verified by XXXX or Experian. I also sent a validation request directly to XXXX  and they couldn't verify the requested information. I have attached letters sent to credit bureaus and XXXX. Also there's attached the answer from XXXX with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with this matter.