davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (CA)

My name is XXXX XXXX, a federally protected consumer and natural person, I'm aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives reason to immediately remove those items from my credit report. Currently it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

The credit bureaus ( equifax, XXXX, XXXX ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file I submitted the consumer report for their records and they need to update the file showing that the information regarding a bankruptcy needs to be removed. Also I would like to know why they are stating that they are receiving information from a third party company ( XXXX XXXX XXXX XXXX XXXX ) They have not reached out to them and are required to verify all information. Now that they have had 30 days and have not done the proper investigation I want this information removed now. 

The reference number show on the credit reports show as Reference number XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Equifax sent me a letter stating that they verified the information. XXXX XXXX I say. I dont consider sending some computer-generated generic letter verification. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 Equifax is 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 items 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. Please update and correct my account right away. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. 

For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the XXXX as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Since XX/XX/2023, I have contacted Equifax multiple times about my missing credit card from their credit report. They do not acknowledge nor report my credit card from XXXX. I have contacted them over 4-5 times about this issue and they kept giving me the run-around, and it's already been XXXX months and STILL they are not reporting my credit card from XXXX. I have contacted XXXX about this twice, and each time they have told me that they have asked Equifax to report the missing credit, but Equifax refuses to do so for some strange reason. 
Both the other 2 credit bureaus, XXXX and XXXX show my credit card from XXXX. ONLY Equifax have refused to report my credit card from XXXX. I have tried calling them. I have tried mailing in forms requesting they report my credit card. Nothing. They have refused every attempt with no good reason at all.
Consumer complaint received 2022-10-07
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)

This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2021-09-24
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: Experian Information Solutions Inc. (MA)

On XXXX, Original Creditor : Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint against experian violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of XXXX  XXXX on my consumer credit report and/ or credit file, which I did not consent to nor was I properly notified about this information is not only wrongful but was also reported without my explicit consent or prior notification. Thus action has significantly and negatively affected affected my credit score making it difficult for me to get credit and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue was not resolved despite my efforts, the issue remains unresolved, and this information is still present on my credit report. 
I respectfully request the removal of this information from my credit report maintained by experian. 
I hope experian takes my complaint seriously and rectifies this situation as swiftly as possible. 
I look foward to your response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-01
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. (MS)

Since XX/XX/2022, I have been trying to get the credit bureaus and all of the companies who have been illegally furnishing my information to remove 2 accounts on my credit file that are not mine. I have provided them an identity theft report and in good faith tried to resolve this matter. My rights as a consumer have been violated on multiple occasions. Section 605 b of The Fair Credit Reporting Act states that any item that the consumer alerts a consumer reporting agency is a result of fraud, must be removed within 4 business days. How dare you even furnish an account on my credit file. I did not give you written permission. On top of the other violations being committed against me, XXXX XXXX is committing tax fraud for reporting the fraud account they have listed on my file. It is listed as a charge off. This means they have written the account off and sold it. Therefore, they have no interest in the account. They are guilty of furnishing untrue information. I demand that these accounts be removed immediately.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NJ)

I am a XXXX XXXX XXXX senior receiving {$900.00} each month in Social Security Retirement Benefits, and I truly need your immediate HELP regarding Conduent Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. 

I have suffered the loss of over {$3500.00} due to ( 58 ) unauthorized transactions on my Social Security Account ( XXXX XXXX Debit Card ) since XX/XX/2021. 
I have complained and asked for reimbursement, but Conduent Inc. refuses to obey the LAW, so please help me resolve this matter. 

The best way understand this horrible situation is by reading the attached DEMAND LETTER that I have sent to Conduent via email on 3 occasions, and they still refuse to COMPLY with New Jersey State and Federal Laws. 

Below is a short cut link of the DEMAND LETTER that can be Emailed to anyone who would like to know what is going on at Conduent Inc. regarding the XXXX XXXX DEBIT CARD SHAME. 

By My signature you are hereby authorized to investigate and take action regarding this shame. 

Sign : XXXX XXXX XXXX ( Card holder ) CLICK LINK OR COPY, CUT AND PASTE INTO YOUR BROWSER https : XXXXXXXX XXXX
Consumer complaint received 2022-10-07
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. (HI)

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining items on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

On XX/XX/2021, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days.

To date Shellpoint has not responded.

Today I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via XXXX. ( see attached letter dated XX/XX/2021 )
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Revenue Corporation (TX)

This letter is sent in response to the bill you sent me, in response to my debt validation letter. The bill was not proper validation of the debt and will not suffice. Therefore, I am requesting that you provide me with actual verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 

Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, name, address and telephone number of the state agency issuing the license. If you are contact. me from outside my state, provide the licensing information from your state as well. 

I need more details about what you claim I owe so that I can make an informed decision. 

Thank you for your time,
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I spoke to 5/3rd Bank representative and chose deferment option for my loan ( Covid 19 ). I was told that 18 months of missed payments wold be moved to deferment and I would resume payments starting XX/XX/2021. 
On XX/XX/XXXX, XXXX, I received a Deferral Agreement, wtih conflicting and confusing information, stating on page one that I must make a payment on XX/XX/XXXX, and then lower on the page that I will have 19 months of payments deferred and that I have to make a payment on XX/XX/XXXX. 
I called 5/3rd bank for clarification and was told that I am requried to make a payment by XX/XX/XXXX, but that it will not be applied to XXXX payment, it would be applied to XXXX payment, AND that she can not garantee that I dont have to then make another payment for XXXX on XX/XX/XXXX. 
Desipite of having made a different agreement wtih the Bank the day before, having 18 months deferred, it was not corrected. 
This is very concerning because my froebarance ends on XX/XX/XXXX so I want my payment to be applied in XXXX. It is also decpetive because the Bank is deferring 19 months when in reality I am only 18 months behind. It also is deceptive becuase no where in the letter is clarified what happens to the extra month payment the letter is stipulating.
Consumer complaint received 2017-08-23
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: Experian Information Solutions Inc. (CA)

I contacted this company about a debt reported to my credit. They are saying that it is a perkins loan, yet my school has no record of me owing any perkins loan. I asked the company for the original loan number so that I can give my school the loan number to dispute it, and they do n't have that either. My school told me to dispute it, and if they are working with them on it, then they will update it. THey are saying that they will take weeks to remove this from my credit if my school updates them. They are telling me that I have and asking me to prove that I do n't have the debt, when they ca n't even prove that I have it. 

They asked me to send over proof that the particular loan is in deferment, but I just realized that I ca n't do that because they ca n't even furnish me with information about the specific loan to do that. I am not going to send them a list of all my loans. In addition, there is no specific loan number so how will they match what I send with what they have? It 's like they are trying to collect information to report, something is not adding up. It makes not sense for me to call for a debt that I know I do n't owe. They were asking me who I spoke to at my school, but if my school is the original creditor should n't they know that. Also, my school said that there is a holder of the perkins loan, yes it goes through the school but they do n't actually give the loan themselves. 

I want this account removed from my credit because I never received such information about this loan from my school or from this company. I do n't want to wait while they are investigating this, because it is not correct. My school does n't have me owing any loans, and they have all loans updated and reporting as deferred. This company ca n't even give me information about the original creditor. I believe this information is incorrect, this loan that they are trying to collect does not belong to me, and there is no record of it since they ca n't give a specific loan number for me to provide to my school. I believe they as with most collection agencies they probably somehow caught wind of loans that were behind about a year ago, but they were updated and they were all deferred. Please remove this from my credit immediately. 

They need to send proof that my school is reporting this to them. I asked them who the contact is of the original creditor and they will not give me that either, it sounds really weird, especially since my school does not have record of this collection. Please delete this from my report as requested. Someone should not be able to report such a debt without proof from the original creditor.