davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (PA)

I was contacted by XXXX XXXX XXXX , Inc. under the pretenses that I had a student loan that was deliquent with XXXX XXXX. The amount claimed was $ XXXX. The representative rattled off several of my current accounts, my email address, address, and then said that I couldn't escape from a student loan and after reading me my XXXX XXXX account number said they would start action. 

When I asked for more details I was badgered about avoiding my debt, trying to use tactics to change the subject, an insistence that I couldn't walk away from my student loans. 

I proceeded to dig more, called back and spoke to a supervisor XXXX XXXX. While not as aggressive or misleading about my the debt did say that if the opportunity arose the firm would look to bring action. 

The debt in question is from XXXX and went delinquent in XXXX. This is the second time in three years this group has contacted me.
Consumer complaint received 2022-07-21
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$880.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$970.00}
Consumer complaint received 2023-01-17
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. (CT)

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 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
Consumer complaint received 2022-06-13
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. (NC)

In accordance with the fair credit reporting act. XXXX list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always 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 items 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-21
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$880.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$970.00}
Consumer complaint received 2018-10-17
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. (CA)

There is a error on my credit report with Experian, They are reporting a charge off account with XXXX that does not belong to me. I have submitted a dispute along with a letter from XXXX confirming that the account does not belong to me and should be removed from my credit file. 

Out of all 3 reporting companies, Experian is the only one that has failed to remove it from my report.
Consumer complaint received 2019-03-21
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. (UT)

XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.
Consumer complaint received 2019-03-21
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. (UT)

XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.
Consumer complaint received 2020-01-31
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Consumer complaint received 2018-10-17
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. (MO)

Letter was written to XXXX credit bureau to remove incorrect information of my credit report about an account which is not mine. Has already been removed from XXXX. When another letter was sent to reinvestigate or to obtain all information that was found by the credit bureau, was denied that right which is illegal due to the FCRA and was told no reinvestigation would be done and no information was given to me.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2018-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

I have been before the CFPB before concerning SunTrust bank. After the 2 previous complaints SunTrust refunded fraudulent fees they were charging to my savings account and discontinued the practice of sending me unrequested monthly statements and then charging me for them. How ever as of XX/XX/XXXX the XX/XX/XXXX SunTrust is again fraudulently charging me a monthly maintenance fee of XXXX. This time its my checking account. I have never seen this charge before. This is the first time they have done this as far as I know. 

My account was originally a " XXXX '' maintenance free checking account. that was in XX/XX/XXXX I believe. The only stipulation was that I allowed XXXX to transfer XXXX dollars a month from my checking to my savings. I agreed and sign up for the maintenance free account. Then XXXX bought out XXXX, and my account remain as I sign up for, a maintenance free account. Finally SunTrust bought XXXX, and inherited my Maintenance free account. I have not requesting any changes to my account type or status. It is a maintenance free account and I want it to remain as such. 

For the most part SunTrust follows the account legal agreement and transfers XXXX on or about the XX/XX/XXXX of each month to my savings account which is part of the agreement. they did so on the XXXX of XX/XX/XXXX. The only issue I have with them currently is that they are now deducting a XXXX maintenance fee and my account is a maintenance " free '' account. 

This is the 1st time they are doing this and I want them to stop it before they do it again.
Consumer complaint received 2022-07-21
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. (SC)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or eliminate the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (TX)

To whom it XXXX concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my Equifax credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called Equifax and the creditors and was given the run around about this situation. If not resolved in XXXX days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-17
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. (MO)

Letter was written to Experian credit bureau to remove incorrect information of my credit report about an account which is not mine. Has already been removed from XXXX. When another letter was sent to reinvestigate or to obtain all information that was found by the credit bureau, was denied that right which is illegal due to the FCRA and was told no reinvestigation would be done and no information was given to me.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CO)

I opened a credit card with Synchrony Bank/Mills Fleet Farm in, I think XXXX or XXXX of XXXX. I say I think because the only correspondence I received from Synchrony was the actual credit card. I made a purchase, I think for about $ XXXX, when I opened the card but NEVER received a statement. Suddenly I received a notice from an agency that took over the debt saying I owed {$340.00}! I am very upset that I never received a statement, yet Synchrony had my mailing address and has added fees and interest. I mailed Synchrony a letter on XX/XX/XXXX about this but never got a response. I called them in XXXX and they told me I had to talk to the agency that took over the debt. They would not discuss the matter with me.
Consumer complaint received 2018-10-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LoanCare, LLC (FL)

Pleased revise my personal documents that I have like a certified FRAUD EXAMINER AFFIDAVIT .Qualified written request findings securitization audit report voluntary liens report ; That I have I request for a proof off claim ton XXXX AND XXXX XXXX ( XXXX XXXX ) An never give to me this proof of claim. 
Conclusion of the report that I have is : XXXX XXXX XXXX XXXX DOES NOT have standing to foreclose on the subject property as it not the holder in due course of the subject loan. According to the PSA which created the trust which currently owns the loan. The only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the XXXX XXXX mortgage 's LOAN trust XXXX.Howewere, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX   XXXX XXXX THEIR OWN SECURITIZATION TRUS DOCUMENTS. Therefore, XXXX XXXX XXXX XXXX XXXX LOST ITS INTEREST IN THE SUBJECT PROPRTY and its right to foreclosure by violating its own PSA.GIVING BOTH THE HOMEOWNER AND THE XXXX investor cause of action for fraud. 

I Have a proof with serious documents that certified this and Certified Fraud Examiner Affidavit. I'm looking for help to save my home. I was looking in my credit and all data about my Mortgages is not there I tray to negotiated with the people but they transfer to Loan care Servicing and I send 26 Modification to them but they only denied now I send this to your department because I what to enforce that the send me a PROOF CLAIM AND SHOW ME A REAL DOCUMENTS. PLEASE SEND ME AND EMAIL I CAN SEND TO YOU ALL MY PROOF AND LEGAL PROOF OF WHAT I DISPUTED. 
THANKS FOR YOU HELP! 
Thanks for your valuable help! 
XXXX XXXX XXXX direct number ( XXXX ) XXXX I hope you can help me whit this matter
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

Chase. XX/XX/2022. 
XXXX XXXX XXXX, XX/XX/2022. I called both companies to let them know.
Consumer complaint received 2020-05-29
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 have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected as soon as possible.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XXXX the XXXX I mailed a certified letter to Trans Union along with my drivers license and advised them to correct my personal information as well as the disputes. The letter arrived on XX/XX/22 by certified mail and when they sent the report back the information that I had requested had not been update. I did not receive the update credit report. I did not receive information on how the their information is validated and with what system. I requested a signed contract of all disputes and I was not provided any information or updates. I am not quite sure of how Trans Union is conducting legal operations because everything this company is doing shows to be illegal.
Consumer complaint received 2022-07-21
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. (IL)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed : XX/XX/2019 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section XXXX XXXX, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( XXXX ) 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. Lastly, 15 USC 1681 s-2 ( a ) ( XXXX ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mv written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pupose