davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 for erroneous reporting in my file and are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I have two collection accounts listed w this collection agency. I have been asking for proof of debt, no response. I sent a dispute through CFPB- their response was they couldnt locate my account. I gave the last 4 of my social because that is all the information that I have. I have asked several times to have this removed. Since I havent been given the proper paperwork to prove this is my account. New legislation takes affect that medical under {$500.00} will be removed. Please remove this- I am prepared to seek an attorney to sue you guys for several violations.
Consumer complaint received 2017-08-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XXXX XXXX, 2017, I receive a credit report ( XXXX ) from Experian, after I had requested that Experian, send me proof of my liability of disputed accounts. My request was under section 609 of Fair Credit Reporting Act. The company receive my request on XXXX XXXX, 2017. The company state that the accounts is verified but never send me any proof to support the claims. The law require credit reporting agencies to have a copy of the original contract on file. I have made several request to Experian in good faith that the company will honor my request. All I receive is a frivolous letter stating that their investigation verified that the accounts. Experian do not have this information on file an they is in violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-10-27
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. (TX)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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 information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX 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 2022-08-29
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. (TX)

my credit profile includes many fraud and or non authorized inquires and files that I have no idea how. I am not familiar to a lot of things but all of these accounts I rarely use if any my profile so I can't understand how this happen. 

I attempted to call the bureaus XXXX and TRANSUNION but never was able to speak with anyone and I had no knowledge of the steps to take. 

As I've researched and learned I am now here. 

The following account below are Fraud and need to be removed from my credit profile : XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (DC)

I purchased an item using XXXX XXXX serviced by TD Bank on XX/XX/XXXX, for a total amount of {$1900.00}. However, I never received any communication regarding the account details or statements by mail, email, or any other form from XXXX XXXX or TD Bank. Due to this lack of communication, I was unaware of any payment obligations or delinquency reports. 

Upon noticing a derogatory mark on my credit report, I contacted XXXX XXXX, received my account number, paid off the overdue balance of {$1900.00} in full in XX/XX/XXXX, and set up auto-pay to avoid future issues. Despite these actions, TD Bank 's response to my dispute failed to provide proof of any communication attempts or correct the inaccurate information.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

I have notice that JPMCB is reporting inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports.
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I am corresponding with you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with a document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report. I did not receive any validation/verification documents which is a violation of FDCPA.
Consumer complaint received 2017-08-17
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. (GA)

I have disputed an item on my TransUnion credit report 4 times sent a written request that they investigate/remove an collection account from XXXX XXXX XXXX for {$140.00}. Each time the dispute comes back as " Verified '' as my account but they do not show any proof as to why/how they could " verify '' the account as being mine. I want a REAL INVESTIGATION to be done by TransUnion that will show that this debt can not be mine.WITH PROOF! It is impossible that this account can be verified as mine because I have never done business with this company or the original creditor. Please assist me in getting this item removed from my credit report. P.S this item is a medical collection account and I can show that I have had health insurance for the past 20 years with no lapses or failed payments. Theres no way possible this can be my account.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this due to non-compliance with the CRA ( XXXX and TransUnion ) .They have failed to remove information that was violated with personal details that were challenged in the past. Some of the account are closed and should not be there. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I am very ambitious, determine and would hate to quit school now just because of this matter.

I am currently a XXXX XXXX ( I am about to XXXX ) I have already reached my max credit limit for subsidized and subsidized loan which makes me eligible to apply for Plus loan ... ..Well, I got denied simply because of my adverse credit. I need to fix these first before I can continue. I am aware that some of those are correct but I have also noticed inaccuracies.
Consumer complaint received 2017-08-16
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. (MI)

Hello, I contacted TransUnion on several occasions regarding inquiries being deleted and re-inserted on my credit report. My first contact was through their online dispute system in XX/XX/XXXX. I was advised that inquiries were factual. In early XX/XX/XXXX I noticed more inquires on my credit report. So, I then mailed in a letter to Transunion advising that these inquiries were removed and re inserted without my knowledge. I again received a letter stating that inquiries are factual. I proceeded to write another letter in XX/XX/XXXX and XX/XX/XXXX. You guessed it, I got the same computerized response inquiries are factual.
I now know that Transunion has experienced 2 separate glitches that resulted in information being reinserted on credit reports. Transunion never told me that there was a glitch and that items that were deleted would be added back. I am aware of my legal rights. Transunion failed to notify me within 5 days PRIOR to adding these inquiries back to my report.
I demand that TransUnion remove all of the below inquiries for this reason.
Consumer complaint received 2022-10-27
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)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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 information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunlight Financial LLC (TX)

This is not my Debt. XXXX XXXX is responsible for amount owed. XXXX XXXX filled for bankruptcy.vv In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Information is false
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OH)

I have a student loan company that report to my credit report that I havent been making payments. When I have. Also, some of the times I try to loan on there webpage. The page is not working. Other times I call to make a payment the automated service says my account, social, and birthday info I give them doestt match what they have. But want me to make a payment when Im a day late on payment.
Consumer complaint received 2022-03-20
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX account # XXXX, XXXX XXXX/XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-03-20
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. (AL)

I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

My husband and I ( both Barclay card holders ) re-financed our home in late XXXX through XXXX XXXX ( XXXX. ) In the refinance, we used equity to pay off or down XXXX loans/credit cards. We were furnished checks from our lender to mail into our credit card/loan companies. All were carefully mailed in to each of our creditors with checks made out to the specific companies ; we made sure to include most recent statements and account numbers etc. One of the largest checks, {$17000.00}, was made out to Barclays Credit for my credit card. Another was my husband 's Barclay card for {$6200.00}. All 7 of the checks were made at a United State Post Office, snail mail, on XX/XX/XXXX. All of the other payments were promptly received ( including my husband 's Barclay card payment ) within a week or two. I started getting threatening letters from Barclay saying I had not paid within 8 or 9 days after XX/XX/XXXX. I called Barclays and was treated rudely, and told I had to wait 15 days by company policy for them to reflect payments. I refused to pay more feeling that {$17000.00} was plenty on my payment for XXXX which was due XX/XX/XXXX. ( Of course by that time they were piling on late-fees etc. of {$300.00} or {$400.00} more ). Fearing that the {$17000.00} payment had been lost in the mail, I called our Mortgage company, XXXX XXXX, and received, in writing, that the Barcly Bank card check of {$17000.00} cleared on XX/XX/XXXX. During this time my husband and I both called Barclay and were rudely hung up upon when we asked to speak to a manager - twice in one night. I was so upset, my husband made the contact for me and he was hung up upon also. A week ago the same person ( XXXX? ) who hung up on us called me and admitted Barclays system had had a problem or glitch on XX/XX/XXXX or XXXX, but they should be back with us in a week. That was a week ago. Today my husband received a letter saying his credit had been limit dropped from {$7000.00} to like {$2000.00}. ( Keep in mind, his income has not changed in some 10 years ) I received a threatening letter stating I had not yet made my XXXX payment and would be sent to a credit agency. My husband and I are seniors ( husband XXXX and I nearly XXXX ) and this has been terribly stressful. I do not care to contact Barclays further given the rude treatment we've received ( although " XXXX '' last week did kindly notice that I had never once been late on a credit card payment until this XXXX " lateness. '' Last Wednesday she said I now had a case id of XXXX, and that I would hear something in one week. 

Tomorrow, XX/XX/XXXX, will mark exactly one month since my payment to Barclay 's was mailed in. Meanwhile in continue to get threatening letters from Barclay saying I have not made my XXXX payment, and my credit score is being damaged by their failure to put this payment on the books. I do not know where else to turn.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

I was called three times today ( XX/XX/2018 ) by XXXX XXXX XXXX for a debt that is not mine. Our number has been on the do not call list for three years and I'm sick of these people constantly calling me. At this point, I can't even remember how many times they have called in the three years we've had this phone number.
Consumer complaint received 2019-07-12
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. (PA)

Dear TRANSUNION : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XXXX XXXX, XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a checking accoint with Bank of America. I have direct deposits going into this account on the the first of every month and toward the middle of the month. On XX/XX/XXXX I had {$25.00} in the account and on XX/XX/XXXX when I checked my balance I realized that the amount reflected a {$25.00} shortfall. I called Bank of America customer service and was told for the first time that my checking account needed to have a daily balance of {$5000.00} and if it didn't I would be charged a XXXX XXXX monthly penalty. I brought this up at the branch and was told no such transaction had been recorded. I was never appraised of such an arrangement and would like a full accounting of how long this has been happening.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

DEAR TRANSUNION LLC & ALL REPORTING SERVICES According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a Fraudulent account I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
1. XXXX XXXX XXXX IT HAS BEEN RE-AGED AND IM NOT AWARE OF THIS BALANCE SO PROOF OF CONTRACT WITH MY SIGNATURE AND ORIGINAL DATE OR REMOVE.