davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (MS)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) 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
Consumer complaint received 2022-11-17
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. (WA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX 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 2020-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

Company continues to report balance owed however I sent a debt validation letter over 30 days ago and received no written notification back or a contract from the debt collector showing how I owe this bill. The amount of the debt is lowering however I am not making any payments on this account as I have no information about the account. I have disputed this account with the credit bureaus and it keeps coming back verified however no information has been provided on how this debt is actually valid and how does this debt belong to me.
Consumer complaint received 2019-08-13
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal 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 for 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 you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )
Consumer complaint received 2022-01-09
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. (MN)

The XXXX XXXX XXXX XXXX accounts thats currently listed on my Experian credit report are fraudulent accounts and not my account. The 2 accounts do not belong to me. XXXX sent notification to Experian and XXXX XXXX regarding the 2 accounts being fraudulent accounts. Review the attached documentation. I never applied for any loan with XXXX XXXX.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX  - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

XXXX  - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Experian - I have sent over 4 dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020 - XX/XX/2020 Actions Taken by Me : Sent 4 dispute letters to All bureaus ( Experian, XXXX  and XXXX ) by Certified Mail Return Receipt to remove inaccurate accounts.
Consumer complaint received 2024-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc. (MI)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX representing Real Time Resolution, claiming that the second mortgage payments have not been made since XX/XX/XXXX through the present month, and saying that I have defaulted and have breached the terms of the Mortgage Promissory Note. I have also filed a complaint with XXXX of Michigan. 

XX/XX/XXXX XXXX Regulatory dept did not address the DOJ settlement eligibility requirements, claiming that we didn't qualify for it at the time. I would like to know what the " DOJ eligibility requirements '' were. We bankrupted in XXXX because of the mortgage debt, job loss, and the failing economy of XXXX. XXXX also claims they sold the debt to Real Time Resolutions , Inc in XXXX. With the XXXX XXXX bailout in XXXX, there were no debt collectors buying second mortgages at face value, so I would like to know what XXXX bought the second note paper for, knowing full well that second mortgages were being sold for XXXX on the dollar in XXXX, as well as being forgiven based on the DOJ lawsuit. XXXX XXXX XXXXXXXX forgave {$10.00} XXXX Dollars in mortgage loans I asked XXXX to contact who they sold the note to and rectify the issue at hand. As mentioned, XXXX was sued by the DOJ, as well as many other times in their existence, which shows the number of scams that occur at this bank as well as many other ones. I spoke to XXXX XXXX the Resolution Specialist in The Regulatory Complaint 's dept at XXXX on XX/XX/XXXX. The complete reason for this complaint is to FORGIVE THIS DEBT as it should have been handled in XXXX. We all know that XXXX XXXX XXXX and XXXX XXXX XXXX screwed over the government and the homeowners in XXXX leading up to the greatest financial crisis in our lifetime.
Consumer complaint received 2019-08-13
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)

The following companies ran unauthorized credit report on me XXXX, XXXX-XXXX.. I have never given permission for them to inquire my credit status, please remove it from my Transunion credit report
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

The following companies ran unauthorized credit report on me XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.. .. I have never given permission for them to inquire my credit status, please remove it from my Experian credit report
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (TN)

Signed to Help my daughter get funds for an, elective, XXXX. Was not told I was primary. Thought I  was co-signor. Was never told there was a problem until I received a call from a collection agency. They told me I owed {$13.00} dollars. I had asked the bank to be notified if my daughter missed a payment. That was in XX/XX/2019. The next notice I get was XX/XX/2019 from the collection agency. I tried calling the bank, Synchrony, they refused to give me any information. Not disputing the money is owed, just trying to find out why I was left in the dark.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

The following companies ran unauthorized credit report on me, XXXX XXXX XXXX, XXXX, XXXX. .. I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report
Consumer complaint received 2019-08-13
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. (CA)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal 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 for 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 you are unable to provide me a copy of verifiable proof, you must remove the accounts XXXX  ( Original Creditor : CXXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****,
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Years back I tried a modification with XXXX XXXX, got the run around, then XXXX  XXXX XXXX and got the run around for a modification as well. When things got bad financially at my home and I became delinquent and tried with XXXX  XXXX XXXX in the middle of a modification process, they changed the services to specialized loan servicing. They gave us the run around, and after two attempts and a lengthy stressful process, they decided to send me a check in the amount approximately {$3000.00} overage on escrow. Then after I cashed the check and used it to stay in my house, they said it was an error and we owed them {$3000.00} back. Then finally the HAMP program helped modify the loan with the {$3000.00} owed, and gave us a 40yr mortgage. It was XXXX. I went through trauma and XXXX. I was lied to by all three companies and I was misled and disrespected. I feel that an investigation needs to be made on my mortgage for the purpose of wrongdoing by these services and XXXX XXXX that also owns the loan. MERS states some servicers I never had with my mortgage as well. I was a victim of mishandling and unprofessional mortgage services by all these corporations.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (MN)

0n XX/XX/2020 my netspend western union pre paid debit card was used at a holiday gas station 6 times over the course of 15 minutes for a total of XXXX dollars when I recieved my statement I noticed that there were also other charges I didn't do so I went online to dispute the charges during selection of the transactions it doesn't tell which transactions are being selected and which are not it only gives you the list of all transactions made by that account so after a long waiting period I recieved a credit but only for 2 of the disputed transactions after realizing this I went back online and submitted a second claim well upon recieving my second claim my account was immediately closed stating that they noticed some high risk issues not much longer after that I received a denial on the remaining disputes and for the reasoning they stated since my claim was filed after the first that the charges were valid and so I requested a review of the situation explaining that the disputes were supposed to be together they again return with the same response then after this and then they had closed my account so they then sent me the remaining balance from the account in a check after a week of waiting for it when it arrived it was incorrect so once again I had to contact netspend during this conversation the gentleman states that the only reason the dispute was denied was due to it being filed after the first in they end they still have not corrected the issue in fact there response is now there are claiming the transactions were made at multiple stores over multiple days when in reality they were done at the same time at the same place the card never froze due to suspicious activity seeing the card was used to withdraw XXXX then XXXX then XXXX then XXXX then for XXXX then for XXXX and they allowed this also where the transactions were made were no where near where I usually had used the card or even remotely close to my home
Consumer complaint received 2020-01-21
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. (MA)

My sister keeps getting Notifications on her credit report with my name on it which is XXXX XXXX.Shes getting notifications with my name on it in my past telephone numbers and anything that is in my name is affecting her Social Security card and her credit report my sister and I are twins and we are One Social Security number off from each other so whatever I do is affecting her credit And she is blaming me for fraud.
Consumer complaint received 2019-08-13
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. (GA)

The following accounts were opened up fraudulently and I'm demanding the immediate removal of these unauthorized and unknown accounts, please remove and block the following 1. XXXX   {$4700.00} 2. XXXX XXXX {$0.00} 3. XXXX XXXX {$560.00}
Consumer complaint received 2021-02-03
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. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patients ' authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following accounts were opened up fraudulently and I'm demanding the immediate removal of these unauthorized and unknown accounts, please remove and block the following 1. XXXX   {$4700.00} 2. XXXX XXXX {$0.00} 3. XXXX XXXX {$560.00}
Consumer complaint received 2019-08-13
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. (IA)

The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from the above XXXX XXXX XXXX. Thiss so unwarranted.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (KS)

The CHASE CREDIT CARD company is driving me crazy. My CHASE account was closed by the CHASE CREDIT CARD company On XX/XX/XXXX on purpose. The reason is : On XX/XX/2020, I paid the full balance for my account with my XXXX  debit card, and I got the confirmation email from CHASE. But CHASE CREDIT CARD company CANCELLED my payment without any message. 

The consequence is that the CHASE CREDIT CARD company put the interest charges on my account.in XXXX XXXX, XXXX, for ever, even if I paid the statement balance in full. I can never pay them off. 

The original message from CHASE CREDIT CARD company is as follows : I will be happy to assist you with the interest charges on your account. XXXX, your email has reached the highest level of escalation. even though you paid your XX/XX/2020 statement balance in full, your XX/XX/2020 statement balance was not paid in full by the due date and interest charges continued to accrue on your revolving balance between the date your statement was issued and the date you paid the statement balance in full. This interest charge, often referred to as residual interest or trailing interest, is reflected on your XX/XX/2020 billing statement in the amount of {$24.00}. Interest accumulates daily but is not charged to your account balance until the end of the billing cycle. If you carry a revolving balance, you may notice residual interest charges on a newly generated statement after having paid your prior statement balance or Interest Saving Balance in full. These charges accrued between the date your prior statement was issued and the date it was paid. I regret to inform you that we are unable to reverse the interest charges of {$24.00}. We appreciate your business and thank you for being a Chase customer. Thank you, Chase Email Servicing XXXX
Consumer complaint received 2019-08-13
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. (MO)

Please remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my file.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Please remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my file.