davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I had a credit report pulled from TransUnion by my business ( not personal ) financial institution and it shows no reportage of me having had a home mortgage ; I have had a home mortgage consistently for over 20 years through XXXX XXXX XXXX XXXX XXXX in XXXX, MO. 

I have contacted XXXX XXXX XXXX XXXX XXXX several times with concerns of my mortgage being unreported in the past. I have been told by various mortgage department employees, including XXXX XXXX the Executive Vice President, that my mortgage would get reported. I have contacted them approximately a dozen times over 20 years attempting to have them report my mortgage to all credit agencies. Several of the people I contacted remembered me trying to resolve this in the past, including Mr. XXXX. Each time my credit report has been pulled over the years my mortgage through XXXX XXXX fails to appear. After multiple occurrences I asked an employee of XXXX XXXX XXXX mortgage department why the difficulty and how hard it was to report it, they replied, " we just need to flip a switch. '' I again asked them to report as I had many times over the years. Each time I asked I was told they would start reporting immediately to all credit agencies. I would find later ; they had not reported my mortgage and did not inform me at any time over 20+ years that is was not being reported. 

In spring of 2020 while I was attempting to acquire a line of credit from my business financial institution, I was told I had a very low credit score from TransUnion reporting agency. On the report it showed credit cards, bank accounts, student loans and a small line of credit but no record of ever having a home mortgage. 

Within a week of finding this I contacted XXXX XXXX XXXX XXXX XXXX by telephone and asked to speak to someone in the mortgage department. I spoke to a woman ( unknown name ) and asked why they continued to not report my mortgage to TransUnion and she said they do not report to TransUnion unless specifically asked. I asked if they could report it since it is affecting my ability to continue to establish credit for my business. She said she would have to get approval ( she did not say from whom ) to report to TransUnion then return my call. She called a few days later and told me they will not report to TransUnion even after I specifically requested it. I was given no reason or remedy for this decision. 

After speaking to my business banker about this he expressed concern about the actions of XXXX XXXX and said I may want to report this to the CFPB and that is what I have done. 

The actions of XXXX XXXX have significantly and negatively affected my credit score and has done so for over 20 years. If reported, 20 years of on time payments for a mortgage would raise my score exponentially.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (IL)

American Express XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX The inquiries on my Credit report auras are XXXX XXXX XXXX XXXX XXXX XXXX did not unauthorized report
Consumer complaint received 2022-01-16
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. (PA)

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) 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.
Consumer complaint received 2021-09-05
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. (IA)

To whom it may concern May I please request your assistance with a hard inquiry showing on all three of my personal credit reports. credit reports I have personally tried to no avail to dispute this hard inquiry. My credit report clearly shows in my personal statement that I have been a victim of identity theft and to contact me personally before attempting to pull my credit report. I also have a freeze associated with all three reports. I have in earnest attempted to contact the originator of the hard inquiry only to be denied the removal of such. The company in question is : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX noted for real estate on behalf of XXXX, XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I never initiated this hard inquiry.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and assurances from your company, these fraudulent charges persist, causing significant stress and financial concern. 

I have made multiple attempts to report and rectify these fraudulent charges, but each time, the resolution has been temporary or insufficient. It is disheartening to see that despite my diligence and your assurances, the fraudulent items remain on my account. 

The presence of these fraudulent charges not only damages my financial reputation but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is imperative that these charges are promptly removed to prevent any further damage to my financial standing. 

I demand immediate and effective action to permanently remove these fraudulent items from my account. Additionally, I request a thorough investigation into why previous attempts to rectify this issue have failed repeatedly. 

Furthermore, I expect to be compensated for any financial losses or damages incurred as a result of these fraudulent charges, as well as for the inconvenience and stress caused by having to deal with this situation repeatedly. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-02
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: SYNCHRONY FINANCIAL (NY)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

I have disputed with XXXX XXXX on 3 separate occasions within the last 90 days an incorrectly reported account with XXXX XXXX LVNV FUNDING Resurgent. This account was included in XXXX  XXXX Bankruptcy discharged on XX/XX/21. On XXXX I called Resurgent  at XXXX XXXX 2 times between XXXX and XXXX XXXX pst and requested that they report this account as closed and included in a XXXX  XXXX BK discharge. I was told it was not in the bankruptcy and I was told I had called them in XXXX and asked for a hardship deferral ( I did not, I had my Bankruptcy hearing in XXXX ) and that I could resume payments when my financial situation changed and I explained that I would not be making any additional payments as this debt was discharged in a XXXX  XXXX Bankruptcy. She continued to insist this was not in the bankruptcy. I called back later in the afternoon after gathering all the paperwork to show this was included in the BK and this time they refused to provide any information at all as they said the account was flagged with a cease and desist despite the fact that 3 hours earlier the rep was able to discuss the account with me. They told me I had to remove the cease and desist for them to discuss the account with me and I was not comfortable doing so as whatever they were doing seemed suspect. I just want this information reported correctly. All of the other accounts included are reported as closed included in bankruptcy. This account reports as an open collection account in my XXXX XXXX report only and this score is almost XXXX  points lower than XXXX and XXXX.
Consumer complaint received 2024-02-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an FTC report XXXX XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (PA)

I have asked the collectors from Americollect Inc, numerous times to please cease with the constant harassing telephone calls. 

I am a decorated veteran that had a XXXX in 2019 and spent 5 days in the hospital. I went in the hospital with no medical insurance. Various doctors came to see me sent me bills. 

While in the hospital I applied for XXXX insurance and was accepted. Lately I have been receiving calls from Americollect for 5 different bills from these doctors. 

They will not or can not use my XXXX insurance to cover these bills. 

I'm on a poverty level income and now taking medication for my XXXX condition. 

These calls are contributing to my XXXX.This company is disrespectful and abusive with their incessant calling. 

I've asked for these bills to be removed by Americollect due to my circumstances. 

They need to sanctioned for their actions.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

The reason being that I have made on time payments, however they were not used to pay my balance, instead they were placed on my escrow account. My mortgage payment on XX/XX/XXXX was not moved to pay my account as the taxes that year have changed. I called the same month to try to pay the balance, but was told I could not do that, that a check would be sent to my with my payment and I would have to make another payment with the entire amount. I have never received said check. 
Since then, XXXX has reported my payments being late, even though I have always made on-time payments ( I have set up automatic draft from my bank ). I continued calling XXXX to try make corrections since XXXX!. In XX/XX/XXXX, I again spoke to a representative and they were supposed to move the payment from XX/XX/XXXX ( which was in a reserve account and not applied to my monthly bill ) into my monthly bill payment, Again, this did not occur. I tried calling again to get this fixed, and each time a representative would come up with a different solution but nothing was done. Finally on XX/XX/XXXX, I got through a representative that corrected the issue. They stopped the late fees, moved my payments from XX/XX/XXXX and XX/XX/XXXX from reserves into account payment. Now my account is balanced. More than a year later! This has greatly affected me. XXXX Mortgage has been reporting late payments for over a year to all three credit agencies, which has damaged my credit score. Furthermore, I have been charged with late fees that should not be there. I have contacted XXXX in writing on XX/XX/XXXX, as well as the 3 credit buraus, XXXX has denied any wrong doing. I have NOT been late on my payments from XX/XX/XXXX to the present. Also, I though there was supposed to a cushion in Escrow account to prevent any changes in payments.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (DC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A State that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also States consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX 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 2021-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did not authorize Capital One Auto to access my credit file or solicit any finance offer to me in 2021. Capital One Auto has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with Capital One Auto. I received a phone call from Capital One Auto soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize XXXX to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Not Legal Validation & Re-ageing Debt I wrote XXXX regarding Portfolio ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. XXXX is refusing to remove an account that the original which is Portfolio RC refusing to Validate. XXXX is in violation continuing to report. 

Also the debt was Re-Aged by XXXX which is a violation according to the FRCA. Debt should be reporting accurately with factual information.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (FL)

Upon checking my credit report, I noticed a card issued in my name but was for a company account that I did not authorize. I have repeatedly requested from Chase Bank that they send me the signed agreement which they have not done. 

It has been over 10 months and nothing from Chase, no proof of any contract that I ever signed.
Consumer complaint received 2018-02-20
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 been disputing these inquiries since at least XX/XX/2017 I have called the companies that are listed with inquiries and they tell me either they have no record of me in their systems or have not initiated the inquiries. I want them removed from my credit reports. According to TransUnion they are " permissible purpose '' inquiries. If the companies claim they have no record of me or an application on or around the dates listed, then there WAS NO " PERMISSIBLE PURPOSE '' whatsoever. I want the inquiries listed below deleted immediately. 
. I have sent to TransUnion their required information they requested to have the inquiries removed from my previous dispute, and still they are on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, 2017, XXXX XXXX XXXX, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-01
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: Bread Financial Holdings, Inc. (MI)

i have contacted all 3 credit bureaus as well as XXXX 5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

They still dont let me see or get my credit report : : : ,seems to me they dont want to fix it, unless I subscribe to monthly paid plan they offered???. I dont have any loans, or any mortgages nor do I have any car loans or payments : : : and they keep asking me this questions in order for me to sign in and print my credit report ) ) ) please help ....
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).