davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-04
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. (MO)

I have noticed that XXXX  XXXX XXXX have placed an inquiry on my TRANS UNION credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX XXXX  and TRANS UNION to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the  consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/XXXX My father XXXX XXXX XXXX and I spoke to the Chase Bank Mortgage Department about the requirements to remove the PMI from his conventional Chase Mortgage. The account # XXXX We were told that I could pay for the appraisal by calling into or sending a check via mail with the documents the agent requested to be mailed to my fathers home at XXXX XXXX XXXX XXXX, XXXX UT XXXX. 

We were never told the paperwork would expire, nor were we told that the Chase Bank PMI Policy violates the Homeowner 's Protection Act for Borrowers with Private Mortgage Insurance for Loan closed on or after XX/XX/XXXX. 

The Homeowner 's Protection act states that the value in which the PMI will be removed is 80 % yet in Chase Banks forms it states in order to remove PMI the appraisal has to come in at 75 % LTV in  order to have the PMI Removed even with an appraisal paid by the borrower to Chase Bank.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (NC)

I had a previous account with Gas south which was paid off to the original creditor and Contract callers stated i owed them money and put a collection on my credit profile and after i showed prove it has been paid off to the original creditor XXXX XXXX. Contract callers updated my collection status on my credit as paid in full instead off deleting it Because i never owed money to begin with.
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-04
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. (MO)

I have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX XXXX  and EQUIFAX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Account Services, Inc. (MA)

I'm not sure what's going on here, but I personally spoke with the collections company and they clearly mentioned that once it was paid that they will remove it from my credit. It was removed from XXXX  and XXXX, however, XXXX  still reports incorrect balance and payment status. Again, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report.
Consumer complaint received 2019-04-04
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. (MO)

I have noticed that XXXX XXXX  XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX  XXXX and EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2019-04-04
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. (VA)

After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX/XXXX   {$630.00}, XXXX XXXXXXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello, I submitted a signed letter to XXXX XXXX verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to XXXX XXXX and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave XXXX XXXX an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.
Consumer complaint received 2019-04-04
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)

After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX   {$630.00}, XXXX  XXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.
Consumer complaint received 2018-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

This debt is not mine. They have the wrong person. I never purchased anything from XXXX XXXX. I have been trying to dispute this same debt for many years and it has previously been closed by other debt collectors. See my documentation of this process attached.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

i have three cards that were opened in 2017 after the XXXX breech and i did not obtain nor authorize any of them ive contacted them constantly to remove them and ive disputed them with the bereaus as well ive also filed police reports on all of them
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

my father processed a transfer of his home loan back in 2020 from the company mr. cooper to his current bank ( XXXX ). his bank processed the payment to mr cooper correctly and sent them the check to pay off his balance with mr cooper. the company mr cooper then cashed the check and mis applied the funds to the wrong account. from that point my father has been paying XXXX for his loan and mr cooper sold the loan to another company ( XXXX  ) because they did not catch the mistake they made. now my fathers house is being foreclosed on by XXXX  he has receipts for the last 2 years of paying his loan to XXXX. we have written documentation from mr cooper that these funds have been mishandled and have attached the relevant email to this complaint.
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called Kohl 's today to have my spouse added as an authorized user as the option is not available online. I was asked if it should be effective today and I agreed. When I provided his name I was told we would need to wait about 3 weeks on a letter, fill it out, send it back, and then he could be added. When I asked why it couldn't be done today I was advised it was because we don't share the same last name. This is discrimination based on marital status. I spoke to an agent, a manager,  and a supervisor but all stated this was company policy. The policy is discriminatory. Because we don't have the same last name we can not receive same day service. If the option is available to some it should be available to all.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK (TX)

I have requested complete proof of the alleged debt several times in the form of a signed and dated contracts in he Form of an Affidavit of Truth and Fact to demonstrate liability of the alleged debt on several occasions to no avail by certified Mail Signed and Dated by an Authorized Notary, Proof of claim over the last 36 months, Discover XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2019-04-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On my XXXX, XXXX, and Experian credit files, an old account from XXXX XXXX, XXXX is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX, XXXX. The 3 bureaus all claim that XXXX XXXX verified the accuracy of the information, yet XXXX XXXX has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX  was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.
Consumer complaint received 2019-04-04
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. (VA)

After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX   {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX {$630.00}, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.
Consumer complaint received 2022-09-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

Dear Sir/Ma'am I am DEMANDING ALL inaccurate and unverifiable information be removed. I was told earlier this year that all inaccurate information would be removed, however, I just received an email from Experian WITH MY WRONG NAME. WHAT THE XXXX IS WRONG WITH YOU? 

DELETE ALL INFORMATION I HAVE DISPUTED.
Consumer complaint received 2019-04-04
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. (FL)

Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately! Attached is my police report.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (MS)

On XX/XX/2019, I reviewed my credit report that shows a collection that I never received a bill or notice to collect debt. 

On XX/XX/2019, I submitted a letter, certified mail, to Conserve collection agency disputing and requesting validation of this debt within 30 days. ( Letter is attached ) On XX/XX/2019 Conserve receive this letter. ( Certified Mail Receipt attached )
Consumer complaint received 2023-01-12
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late dates from these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NE)

I was auto enrolled, without my consent, into a debt protection program with CitiBank. Asked how long it was on my account and the stated since 2002. At this point I asked for a refund. They stated it would take 30 days to " review '' and would send a letter. After 2 weeks I recieved a letter stating my reques was denied. This prompted me to call back and ask for a supervisor. The supervisor said they could review again, which I asked them to do, and would send me another letter. At this point it felt like a scam since they couldnt review with me on the phone so I asked them to send me proof for my enrollment where I either signed or verbally consented to this protection. This was 2 months ago and have not recieved either a letter of review or proof of enrollment.

They removed feature but have not satisfied my request for a refund or provide proof of my consent to enroll in this program, which I never gave.
Consumer complaint received 2022-09-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, anXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-16
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. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that needs to be removed in my file : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.