davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to get Transunion and XXXX XXXX to resolve this clear billing error violation on my credit report. I am being flat out ignored and i don't understand how TransUnion could be a XXXX  XXXX dollar company and still take advantage of Americans. How can they just put inaccurate late payments on my credit report, severely hurt my credit, and then ignore when i show them that it is not accurate. The fair credit and reporting act clearly states that they can only report accurate information. Well the late payments back in XXXX and XXXX are 100 % false. If they were doing their job correctly they would know this. How do i get a late payment on a product that i completely paid off?
Consumer complaint received 2024-02-22
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

Bank owed me rewards in the amount of {$160.00} per statement on XX/XX/18. 
Bank never paid the reward per their Terms and Conditions instead they " Ajusted merchandize XXXX NY '' per statement on XX/XX/18 and froze my account, nobody would talk to me until I appear to the branch. After my card was unblocked nobody could find the funds and my emails and voicemails to executive office never returned. I did not purchase anything in XXXX NY. The funds have vanished. Please view statement attached.
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: EQUIFAX, INC. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-26
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX
Consumer complaint received 2023-01-26
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (AZ)

XXXX XXXX account XXXX I closed this account and returned all equipment by mail because of COVID-19 shut down store closures. I returned three items in one box. Two of the  three items That were shipped to XXXX  were credited to my account, which reflects they received the shipment. They appear to have lost one of the items that were returned.

I have called multiple times and been through the exact same process. They open a ticket, they look for the equipment, they dont find it, and they tell me I owe. I DO NOT OWE, I RETURNED THE THREE DEVICES IN ONE BOX. They on acknowledge receipt on two of the items. How can I prove they made an error? 

In spite of my dedication in calling to get this resolved they refuse to take responsibility for their error. They sent this to collections. I explained to the collections company, gave them my ticket numbers, but they have reported me to the credit bureaus. ( The collection agency was horrible! ) This is like extortion!
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today, XX/XX/2020, I received an email from TransUnion inviting me to login and see my credit score. I tried to login with my username, and was told, invalid. Then I tried to login with my email address as my username. I was again told, Invalid Credentials : Please Try Again. I then clicked forgot login information, which took me to a screen asking me to provide my SS # and last name. Then when I clicked, what happened was, that same screen simply erased, as if I never input anything. So, I typed my SS # & last name again, and clicked continue. What happened was, the exact same thing - when I click continue, then screen simply erases, as if Ive never input my SS # and last name, and I get no other message. The problem is that i can not login to TransUnion. Additionally, for more than a year, TransUnion posts fraudulent information about me, inside the " Personal Information '' section of my TransUnion credit report. TransUnion  refuses to remove the ridiculous, false information, and refuses to provide information about who supplied them with the libelous, fake information. Also, when I previously unfroze my TransUnion report, potential lenders tell me that my credit report is frozen. TransUnion refuses to allow me to unfreeze my credit report and show it to selected lenders.
Consumer complaint received 2020-05-02
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. (NV)

On XXXX my Experian score was updated and dropped 6 points. The one and only change, I paid off my credit card. What the ****. Credit is a scam. Fix the score I have been relentlessly been trying to improve. Experian information is incorrect.
Consumer complaint received 2018-04-04
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: National Credit Systems,Inc. (TX)

This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 2 ) National Credit Systems Inc XXXX XXXX XXXX XXXX  GA XXXX Bond number XXXX Amount reporting {$3000.00} Date of reporting XX/XX/2012 XX/XX/2012
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NY)

My personal data was part of the Equifax breach, which means I can now look forward to a strongly increased chance of identity theft in my future. Equifax failed to adhere to basic common sense cybersecurity protocol when it came to storing and protecting my data. It also fumbled the response and the damage-control process, reducing opportunities for people to respond effectively to preserve the privacy of their personal information. Equifax behaved carelessly and sloppily, to the point of near-malignancy, when handling what should have been its most sacrosanct and fundamental priority : keeping people 's data safe and out of the wrong hands.
Consumer complaint received 2023-01-26
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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
Consumer complaint received 2021-03-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XX/XX/XXXX I mailed letter to XXXX  with a copy of Notice of Arbitration Award I received from the XXXX County District Court in my favor and against Portfolio Recovery. Portfolio sued me for {$5.00}. The Decision was against Portfolio Recovery. I requested Portfolio be removed from my XXXX  Credit report. XXXX  claims they never received the letter and documents tha was sent through the USPS. After more than 20 phone calls and being transferred from Dept. To Dept and being told I should mail it to XXXX XXXX XXXX instead of XXXX XXXX. I sent a new package to that bos Certified this time. They say they still didnt receive it. I made More than 30 phone calls to XXXX  to solve this. 
XX/XX/XXXX through XXXX own website I filed another Dispute and downloaded the documents and a copy of my XXXX letter.That was to no avail. Today I received a notice from XXXX  stating that they are not removing Portfolio from my Report, because Portfolio certified they are right. XXXX  is not very Professional. I dont know if they have a legal Department, that could have taken a look at the documents. Especially Court -documents. On XX/XX/XXXX I also sent the Documents to XXXX XXXX and they deleted Portfolio from my Account with them. XXXX  has a major problem. They cant read XXXX. A simple phone call to the Courts would verify the Award and they would delete Portfolio.
Consumer complaint received 2021-04-26
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. (IL)

Experian has collection accounts listed as installment loans on my credit report. Experian has also placed some type of alert on my report without my permission. I'm also unable to order a copy of my report. I am being turned down for credit because of this and am unable to reach anyone at experian. I've tried email, phone and chat for over seven months. I can not even verify any of my information and it appears accounts are re-aging.
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FLORIDA HOME TRUST MORTGAGE (FL)

My name is XXXX XXXX i have a loan with XXXX XXXX XXXX to my home in XXXX Flirda this company has not collaborated with late fee payments by paid month XXXX 2020. 

I called them to see if they had any delay program for these times and they said no. that if I did not make the payment they would charge me the late fee and there would be delays in monthly payments they would execute me with lawyers. 
Bring the check XX/XX/XXXX at XXXX XXXX  at your XXXX Florida office. There was no one person to receive the check and contact Mrs. XXXX and she informed me that she did not bother me that they withdrew the payment and credited it to the account. 

After the days the bank calls me to notify me that I had a late fee account. for late payment in XXXX. they processed the payment on XX/XX/XXXX. 

It is not fair that they charge a late fee when in these times many people find it difficult to make monthly payments due to the world situation we are experiencing. 

They notified me that no one could compel them to be considerate of their loans, that there was nothing official from the government to compel them to grant any extensions. 

I accepted that, and sent the payment on XX/XX/XXXX because they are charged a late fee? my loans are to pay until the XXXX of each month. 
If they do not have personnel to receive the payment, it is not my fault that they deposit late and collect it from me. 

please I need a verification of my case because it is an abuse of those banking entities.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

The credit card company closed my dispute without giving me an opportunity to respond to the merchants feedback on my dispute. 

I have also been attempting to open another dispute, and have been unable to reach anyone at Chase customer service for over a month.
Consumer complaint received 2020-09-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2020-08-31
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)

There is an inquiry on my Experian credit report posted in XX/XX/2019. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX XXXX and Experian and with no help have had no luck. I spoke to a representative from XXXX XXXX in XXXX and was told it would be removed. The said they would send me proof and I have yet to receive anything. Experian and XXXX XXXX have refused to do anything. I did not attempt to open or establish a line of credit with this company.
Consumer complaint received 2019-10-21
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. (FL)

On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to TransUnion ( copies with proof of delivery attached ) requesting the removal of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, TransUnion continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from TransUnion according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how TransUnion can continue to report a collection trade line without evidence of the debt. TransUnion 's actions are hindering me from obtaining a mortgage to purchase a home.