davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
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. (TX)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.

Also the Credit bureaus did not take 30 days to complete my investigation. 

I submitted a complaint with the XXXX.I submitted a complaint with the attorney general 's office and these collection agencies are violating my rights.
Consumer complaint received 2024-02-11
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 you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed below which appear on my credit file does not relate to any addresses I have lived at.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please see the attached FTC report and remove the account XXXX XXXX XXXX XXXX from my credit report due to fraud. I filed a dispute long ago informing the credit bureaus that this account was not mine and they ignored my request. If this is not removed within 15 days I will be moving forward with legal action.
Consumer complaint received 2023-04-04
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.
Consumer complaint received 2022-07-13
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. (FL)

on my credit reports it shows a differnt number of accounts one says 27 other 28 and other 26. All are closed due to banckruptcy due to wifes XXXX XXXX issues and medical bills. My credit file says they are delinquint and they are not they are all closed and should not be on my creidt report as still outstanding. Also i have paid my mortgage and vehicles on time never late on only one of the three credit reports show it.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (NC)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$46.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (FL)

on my credit reports it shows a differnt number of accounts one says 27 other 28 and other 26. All are closed due to banckruptcy due to wifes XXXX XXXX issues and medical bills. My credit file says they are delinquint and they are not they are all closed and should not be on my creidt report as still outstanding. Also i have paid my mortgage and vehicles on time never late on only one of the three credit reports show it.
Consumer complaint received 2024-02-12
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-02-11
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. (MI)

I have a Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship.

3. Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4.Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2022-07-13
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)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 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. XXXX XXXX XXXX Balance : {$79.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  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 XXXXXXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

As you can see from SPS XXXX XXXX when SPS added Flood Insurance my Escrow Payments for the Taxes where short. But as soon as they removed the XXXX XXXX my Escrow was fine. But the problem is that since XXXX SPS has been over charging my monthly payments. 
Let start with XXXX My XXXX and XXXX is {$560.00}. The taxes for XXXX where XXXX XXXX month= {$140.00}. Adding {$560.00} XXXX {$700.00} per month. SPS was charging me {$160.00}. Adding $ XXXX {$720.00}. Difference of {$17.00} per month total XXXX 

Again in XXXX. My XXXX and XXXX is {$560.00}. The taxes for XXXX $ XXXX XXXX XXXX. Adding {$560.00} + $ XXXX {$720.00}. SPS was charging me {$190.00}. Adding $ XXXX {$750.00}. That would be a difference of {$36.00} for the year total {$430.00}. 

Again XXXX. My XXXX and XXXX {$560.00}. taxes for XXXX where $ XXXX XXXX {$720.00}. SPS was charging me {$220.00} + $ XXXX {$780.00}. That would be a difference of {$56.00} XXXX {$670.00}.. 

Again XXXX. My XXXX and XXXX {$560.00}, Taxes for that year where $ XXXX XXXX XXXX. Adding {$560.00} + XXXX {$720.00} SPS XXXX charging me {$220.00} for a grand total, of {$780.00}. The difference of {$55.00} x XXXX {$660.00}. 

So with that said, SPS owes a total of {$1900.00} for over charging me since XXXX.
Consumer complaint received 2022-07-13
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)

By the provisions of the Fair Credit Reporting Act, I sent a complain today to request that the account XXXX XXXX {$0.00} which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was paid as agreed and past due is XXXX but still reporting 30 days late. 
The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).
Consumer complaint received 2023-02-23
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. (PA)

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //wwwXXXX.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$770.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX OF MO XXXX XXXX : {$470.00}XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX Balance : {$500.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2021-10-07
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: GOLDMAN SACHS BANK USA (NY)

please remove these 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Consumer complaint received 2020-05-23
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: CORELOGIC INC (FL)

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 

A DELETION OF THIS INQUIRY FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2024-02-11
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Hello I submitted a claim wit JPMorgan Chase Bank for the amount of XXXX XXXX 

The morning of XX/XX/2022 I go to the Chase atm to withdraw XXXX $ but the atm didnt dispense my money. The atm printed a receipt saying error and to call customer service. Then I immediately call the number on the receipt to let them know what happened and they told me they will look into it. About 13 days goes by and on XX/XX/XXXX they credit my account the XXXX XXXX Thinking the claim was resolved they reverse the claim and sends my account XXXX $ on XX/XX/XXXX. Immediately I call the claims department for them to look into it and they told I cant reopen my claim and that once a decision has been reached there is nothing anybody can do. I am currently overdrawn XXXX $ and tried to contact Chase 4 times because of this matter just to be told there is nothing we can do.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

15 USC 1681a ( 2 ) ( A ) ( I ) late payment are not suppose to be report on customer report its against the law!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

LexisNexis continues to report a bankruptcy on my consumer report that I have not given my expressed or written consent to report. I did not ask LexisNexis where the information was located but rather who gave them permission and who did they talk to specifically that stated they have authority to report such information and how does it relates to me? XXXX is not 100 % accurate and the courts do not release this information it is all second hand information sold for profits. I am not arguing the validity but the fact LexisNexis does not have any right. If LexisNexis has evidence that I consented forwarded it to me immediately or cease reporting.
Consumer complaint received 2022-07-13
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. (FL)

I have a problem with Experian Response to my CFPB Complaint # XXXX in that it is the same as your last response : we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported When you accepted this response from XXXX XXXX, you failed to do as you further stated in your response : If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. 
Well, part of your processing should be the review of the information that I sent you. If you take a took at XXXX XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX, you will see that I was 30-days late in my payments to them on XXXX XX/XX/XXXX, and not on XXXX XX/XX/XXXX, which is when they reported that I was 30-days late on my payments to them. 

XX/XX/XXXX - {$670.00} - {$310.00} - {$350.00} $ XXXX Regular Payment NSF Fee Assessment THIS INFORMATION COMES FROM XXXX XXXX XXXX XXXX STATEMENT ' DATED XXXX XX/XX/XXXX- YOU MUST READ IT The above extra from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, I was 30-days late on my payment # XXXX, and it also says that I stopped paying them in XXXX of XXXX. This XXXX XXXX report contradicts the reports that they submitted on XXXX XX/XX/XXXX The difference in the two dates, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, makes their XXXX XX/XX/XXXX report to you as False or inaccurate. The Loan History that they provided at the time shows that I paid them until XX/XX/XXXX, If you take a look at the extract of their Loan History Statement, you will see that my LAST PAYMENT to them was in XXXX of XXXX. Given these two facts, without a need to contact XXXX XXXX, anyone in your company who understand English should realize that XXXX XXXX reports submitted to you on XXXX XX/XX/XXXX are inaccurate, therefore, you should remove/delete their reports from my credit record. If you read my entire complaint, you will see that the facts that I provide, which are based on XXXX XXXX own data, will render the reports that they submitted to you as false or inaccurate. 
I am going to continue sending this complaints to CFPB until an honest person in your company reads the contents of this complaint, and the contents of the attached two files : Feedback to Experian Response to CFPB XXXX XX/XX/XXXX Complain, and XXXX XXXX XXXX XXXX XXXX, dated XXXX XX/XX/XXXX.