davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IL)

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report Please remove SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These following inquires Immediately. 

I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed as this is not my account and was open fraudulently. 

XXXX XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is allowing fraudulent accounts to be placed on my credit file, these accounts are fraudulent and a result of identity theft. Transunion was notified this I spoke to a person name XXXX XXXX in the Fraud department which refused to block the fraudulent accounts, and refused to follow FCRA Law 603 ( B ) Which states a consumer of identity theft if providing a valid police report and advises the credit bureau this account is fraudulent has a right to have the account blocked. XXXX refused to block the account and refused to assist with the fraud on my file. First account is a XXXX XXXX which the company advised me was identity theft and that they have removed this account from my credit file and closed it however transunion refuses to remove the account and or block it. Second account is a XXXX XXXX  Line of Credit for a limit of {$6000.00} Which is also fraudulent opened on Unknown it says. Again this is fraudulent and opened by the thief who stole my identity, my drivers license, social security card and my email addresses. Lastly there is a account with a place called XXXX for {$1000.00} this account is fraudulent. I mentioned this to the rep he refused to assist. He did see my police report, and said that it doesn't meet his standards or criteria to be blocked. Apparently, He has a criteria in which he can choose to block fraudulent information or not. This is not acceptable. The accounts mentioned are FRAUDULENT OPENED FROM A THIEF. I am attaching my police report below, and want this rep investigated. He is creating fraudulent accounts on peoples profiles and then, advising he can't block the fraudulent accounts and refused to follow the law.
Consumer complaint received 2019-04-10
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. (OH)

Dear Credit Bureau, Regarding the following account ( XXXX XXXX : XXXX # XXXX, XXXX XXXX XXXX, XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, Equifax, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts / freezes Without my phone number these are useless. Please sent me proof the I requested the alerts / freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WI)

I have been fighting the have the erroneous debt attached to my credit report removed for years. In an attempt to comply with the consumer protections laid out in the FCRA I sent multiple communications to XXXX XXXX XXXX requesting the alleged debt be validated or removed from my file. Specifically : On XX/XX/XXXX17 ERC Reports to collection agencies a collection for XXXX in the amount of XXXX On XX/XX/XXXX17 I send ERC a Debt Verification Letter requesting a response within 30 days - On XX/XX/XXXX17 Debt validation letter was recorded as delivered and received by the USPS and on  XX/XX/XXXX2017 I sent a Failure to Comply Letter, requesting the account be removed. 

- On XX/XX/17 I received a " notice of rights '' letter, that stated, " Your account has been placed in a hold status and that collection efforts have ceased at this time. 

- On XX/XX//17 I sent a final request to have the account removed from my profile, as it was still being erroneously reported.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts / freezes Without my phone number these are useless. Please sent me proof the I requested the alerts / freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (TX)

I cancelled my XXXX XXXX service. I returned all equipment as requested by XXXX XXXX. I never received a final bill from XXXX XXXX. I moved about a year after cancelling the account. XXXX XXXX turned the outstanding final bill that I was never notified of. It was given to Allied Interstate LLC who never contacted me in reference to the bill. I found out about the bill after Allied Interstate put it on my redit report causing my score to decrease greatly. I am filing this complaint due to neither company contacting me about my unpaid final payment that I thought had been paid due to no contact or final bill from XXXX XXXX nor any contact from Allied Interstate
Consumer complaint received 2020-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Franklin Collection Service, Inc. (MS)

Things that are fraudulently list many different ways on each credit report. This Franklin is list numerous of ways on my credit and has been removed only from XXXX.
Consumer complaint received 2019-04-10
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)

there are two accounts fraudulently reporting on my XXXX experian credit bureaus, these accounts are inaccurate and fraud, but these are reporting under my name, these account were removed from my credit file, but for some reason laced back again, on experian and XXXX. i researched and found out that you are able to help me as a consumer in this matter. 
please have this matter corrected, it is screwing my life and everything that i want to do i just had a baby and with in all these is an issue on top of all the life problems. 
thank you
Consumer complaint received 2022-11-30
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2018-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (WA)

In the Spring of XXXX, I was informed by paypal that my account would be closed for non payment on over {$4000.00} dollars on cash card purchases paid for with my paypal account. I told paypal that I hadnt used the account in over a year and the last time I did use it. The balance on the account was XXXX dollars. They investigated and said it couldnt be id. Theft or fraud since the cash cards purchased came to my address. They did agree that at one time the amount owed was XXXX and some but it had been charged up with purchases of XXXX dollars over a years time from XXXX to XXXX. 
A ] arently my wife or my adult son who stayed here briefly in XXXX found the account info and used the account without my permission. My son hss since been charged with forgery, identity theft and forging an instrument. None involving paypal. 
Today,XX/XX/XXXX I was contacted by a collection agency about a Paypal accout that has grown to XXXX dollars.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I discovered unauthorized transactions on my Citibank checking account. I immediately contacted the XXXX XXXX Police Department ( XXXX ) and filed a police report. XXXX Report # XXXX and then followed up and called Citibank to report the same transactions that were not authorized. Claim ID # XXXX. 

On XX/XX/2023 Citibank DENIED my claim citing that I was responsible for the charges in question. 

On XX/XX/2023 Citibank sent me a letter stating that they will be closing my accounts as they no longer wish to do business with me, yet I'm the victim in this matter, not them. The letter states the accounts will be closed out 'within ' XXXX days from the date of the letter, which would be XX/XX/2023. 

The letter states that I am able to go into a branch to withdraw the money if I do not want to wait for a check from them. I proceeded to go into a branch on XX/XX/2023 located XXXX XXXX XXXX. I spoke with the manager, showed them all my documentation and they called some back office department to which after XXXX mins on hold and on the phone, that department then proceeded to tell the branch they will not release my money as they can not confirm where the funds came from. I've always deposited cash, had direct deposits come in and incoming wires. Never deposited a check. 

Since that date of XX/XX/2023 I've called Citibank numerous times only to be told that my accounts are still under 'investigation ' and that I can not have my money. 

At this point I am tired of waiting and dealing with them. I get defrauded {$3300.00} in FRAUDULENT transactions and I'm left with nothing as a result. I want the money that is OWED to me. I'm not asking for it. 

This matter will only continue to escalate until Citibank sends me the money in which is OWED to me and the money that was lost due to fraud. I was a customer in good standing, I was also protected by Mastercard for transactions that were fraud.
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (FL)

XXXX XXXX Transferred my Mortgage to XXXX XXXX XXXX XXXXXX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact XXXX  a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and XXXX  were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. XXXX  account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA XXXX XXXXXX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with XXXX  been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX XXXXXXXX, Equif, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that XXXX  are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both XXXX  and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and Guidance to no avail. XXXX  are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Consumer complaint received 2023-08-18
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. (GA)

XXXX, Equifax and XXXX all have been inaccurately reporting inaccurate info on my credit reports from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Several attempts to have them fix the have been made and collectively they all have replied similarly : " the info on your credit report is accurate and been verified ''. The fact that these XXXX companies along with the XXXX credit bureaus have reported inaccuracies for the past XXXX years has cost me and my family greatly and they have no shame about it.
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I already complained to XXXX because they added this to my file without notifying me. I asked for a verification and all they sent me was a vague letter with 6 months of bills for 4 phone lines when I only had 2. According to the CFPB there criteria which are required by law when sending a notice like this. 

The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 

The last bullet point wasn't included on this vague letter. I received the letter on the XX/XX/XXXX and it has been over 5 days. XXXX XXXX is required by law to clarify that within 5 days of initial contact. 

I have attached the letter for verifcation
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE INFORMATION ON MY CREDIT REPORTS THAT ARE INACCURATE SUCH AS MY NAME AND ADDRESSES AND MEDICAL BILLS WHICH ARE ILLEGAL TO BE ON MY REPORT I ASK FOR THESE TO BE REMOVED IT PREVENTS ME FROM GETTING PROPER HOUSING JOBS ETC. 
MEDICAL BILLS LISTED ON REPORT XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ACCOUNTS UNDER XXXX # XXXX , {$28.00}, {$76.00}, {$240.00}, {$51.00}, {$38.00}, {$37.00} XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Addresses listed inaccurate XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX CT, XXXX, OH XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, ( XXXX ) XXXX ( XXXX ) XXXX Unknown INQUIRIES TRANSUNIONXXXX, CAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXX, VAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXX, ILXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXXviaTRANSUNIONXXXX, CAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXTRANSUNIONXXXX, CAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, OKXXXX ( XXXX ) XXXXXXXXRequestedOn:XX/XX/XXXX,XX/XX/XXXXXXXXviaXXXXTRANSUNIONXXXX, CAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, WIXXXX  ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, NDXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, OKXXXX ( XXXX ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, GAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, CAXXXX   ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, FLXXXX ( XXXX  ) XXXX-XXXXXXXXviaXXXX, UTXXXX  ( XXXX ) XXXX-XXXX
Consumer complaint received 2020-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (GA)

Money Lion Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from Money Lion staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.
Consumer complaint received 2020-02-15
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. (NY)

Looking into my XXXX. I see that I have over 18 reporting within 2 weeks period. A lot from car dealers and XXXX. However I myself personally have not applied for a new car or XXXX. And trying to contact all of them at once its hard to do.