davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (AR)

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$94.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX* Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and please remove the disputed items as soon as possible.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 XXXXXXXX XXXX, XXXX XXXX  SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2022-11-23
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 have attached XXXX FTC reports with inquiries I did not authorize, Please also update my personal info and revise the letter sent with an account reporting inaccuracies that also needs to be deleted
Consumer complaint received 2019-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

I have never received a single collection letter nor phone call nor any other means of collection from this company regarding account XXXX and furthermore, the report on my credit by XXXX  claims history of on attempt and one registration to the credit bureaus. Furthermore, I have never been to this Hospital and it can not possibly be about me nor anyone from my household because we have all have private insurance by XXXX XXXX and again this is not possible. At any rate, there is nothing fair reporting or otherwise by means of collection when one is not notified by mail nor phone nor by any means prior to slapping an unsubstantiated charge on an otherwise perfect credit report. Please take from these unscrupulous agencies the power to do such harm to people and to rob people of their peace and calm. Report to whatever agency needs to have this information regarding less than proper practices regarding collections and reporting of debt and have them immediately pull this off my credit report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : COMENITY BANK
Consumer complaint received 2022-04-16
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. (NV)

I have contacted a XXXX credit bureaus and most recently XXXX to get my credit unfrozen and unlocked due to someone else accessing my account and chancing my information. And it keeps locking me out and most recently on XX/XX/XXXX there were memos placed on my credit report with information that isn't mine an a phone number I have never had. I moved to XXXX XXXX and recently had my wallet stolen and it has been a completely aggravating time trying to get my credit reports and credit back to where only I have access to it, even acquiring XXXX to help monitor my credit and my information from getting on the dark web and being used. I have had the most difficult time in an already stressful and difficult situation. I just want my credit reports to have the correct information and only MY INFORMATION and for the credit bureaus to do there job for me, a consumer.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: ProCollect, Inc. (TX)

I lived at XXXX XXXX XXXX Apartments during 2022. At move in, I gave the complex the list of damages and detailed comments regarding my apartment and what I see, so documentation was noted and I would not be help accountable for previous damages. These damages included holes in the drywall, stains on the carpet, cable wiring damaged, scuff marks on the wall, and discoloration and markings on celling and wall. At move out, I had XXXX XXXX XXXX, and was in a XXXX, unable to XXXX. I informed the apartment complex of this, and explained that trash and boxes were a concern, so I would be expecting some kind of charge at move out. I received a statement 2 months after moving out of XXXX XXXX XXXX Apartments with several charges that did not make sense and I believed were untrue. I requested an itemized invoice, copy of my ledger, and photos as proof. This was never sent to me. After speaking with a property manage, I was informed this would be corrected and fixed. This issue has yet to be corrected.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AL)

Regarding, the XXXX XXXX XXXX, as l delved into the terms and conditions, I discovered the Consumer Credit Line issued to the principal on the date I received the receivable, only to find it trailing behind personal expenditures and family necessities. 

Swiftly, I moved to strengthen my financial position by requesting an increase in the Consumer Credit Line, acting in good faith even before activating and opening my actual CHASE account on the app to track purchases and deposits, let alone conducting any transactions. 

However, I decline these blunt denials ( including reconsiderations ) cloaked in ambiguous reasoning, resulting in an event of default. I stand before you today, to rectify this dishonor, for I am armed with the truth and I know I was misled. 

In the realm of financial equity, where opportunities should abound for all, I invoke the Equal Credit Opportunity Act and The Equal Opportunity for all Investors Act to demand fair treatment and resolution, ensuring equality for all investors and consumers. 

Peace be with you.
Consumer complaint received 2023-01-19
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. (TX)

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 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 XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I fXXXX my XXXX back in XXXX of this year which resulted in me not being able to work. I called about possibly doing a forbearance and was never told since I was up to date on my payments that I wouldn't qualify, I had been holding off paying on my medical and other bills to save to pay my mortgage at that time. When the company sent me a letter stating I would not be able to get the forbearance due to the payments were up to date they advised my to try again and not pay my mortgage and pay on my other bills, so that's what I did I have sent in my paperwork several times due to they said there wasn't enough information and to follow up each week by calling them. I di everything they had asked however they kept saying they haven't ' received my paperwork, I faxed it I emailed it and was told they had it, up until last week when I called and was told the paperwork needed to be updated and changed. I did all the corrections they wanted and updated all the information they said they needed and sent it in last week, I was told to call this week and follow up and was told that they closed my case on the XXXX because I never sent the paperwork like they requested. The customer service representative said the paperwork was in on the XXXX and they were back logged she said she will send it to them with the date they received it and the date they got it, however they may not take it in to consideration I had beat the dead line they had set even though they never contacted my to let me know they needed more information or what I had to do. Now I am close to being foreclosed on especially if they don't grant me the forbearance. I also made a payment to extend the date, which they advised me to do which happened to be on the XXXX. They claim they want to help me but in no way are they trying to I have lived in my house for 26 years and have always been on time with my payments and since Carrington has been my mortgage holder for the past several years I haven't missed a payment or actually been late I have been paying it before it was due many of times, and this how I have been treated by them
Consumer complaint received 2023-01-06
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-09-05
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. (NM)

Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To whom it may concern I filed a dispute with equifax for reporting incurrate information. With confirmation # XXXX dated XXXX XXXX from equifax it states that I should contact : XXXX XXXX XXXX XXXX XXXX. 


I have previously contacted them and they provided me with a letter. I did and they provided me with a letter that says they do not provide information to credit agencies. So how was this information that was not verified? This is a complete violation of my consumer rights. As states of 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 may be inaccurate.

I have attached letter of results from Equifax and from clerk us bankruptcy court
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (DE)

I am writing to dispute the existence of a credit card account with your company that has been erroneously linked to my name and information. Despite repeated attempts to resolve this issue over the past two years, the account continues to appear on my credit report, causing undue distress and frustration.

I have never applied for or authorized the opening of a credit card account with Chase credit Card Company. The appearance of this account on my credit report is not only inaccurate but also damaging to my creditworthiness and financial reputation.

I have taken all necessary steps to address this matter, including filing reports with the Federal Trade Commission ( FTC ) to document the fraudulent nature of this account. Despite these efforts, the account persists on my credit report, leading me to believe that there may be an ongoing error or oversight in your records.
Consumer complaint received 2023-07-22
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. (TX)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

Hi, my account was overdraft for absolutely no reason. The funds were there to cover the transactions but my account was still overdrawn. This happened to me twice. With my card being put into the negative state, I was short with my checks and everything else I had to pay. This was very inconvenient for me.
Consumer complaint received 2023-07-22
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. (TN)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-16
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  ending XXXX and XXXX XXXX XXXX account ending 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 also states a consumer reporting agency can not furnish a account without my written instructions.