davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

my card was lost/stolen, I immediately locked my card and notified discover. I also noticed there were some charges already made on the card. I have tried several times to dispute the charges all to no avail. They still have not provided me with any proof that they used to validate the purchases.
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I just received a call today XX/XX/XXXX from Midland Funding regarding a debt owed for an XXXX XXXX XXXX XXXX opened in XX/XX/XXXX ( when I lived in XXXX  ) . I have NEVER had an XXXX account until this year via XXXX XXXX, which is currently valid and in good standing. This debt has never once shown on my credit report to where I would have been alerted to this fraudulent card. The address they had for me then is for an address I lived at briefly in XXXX  ( XX/XX/XXXX-XX/XX/XXXX ) with an ex boyfriend. Midland said statements ( 4 ) were sent to that address in XXXX. Again, if i had seen a statement it would have alerted me to the fraud and I would have reported it sooner. Again my current XXXX credit card is the 1st XXXX credit card I have ever had.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I dont understand why and how you have my wrong address still I wrote you about this back in XX/XX/XXXX its now XX/XX/XXXX and its still not fixed. Bceause of your inaccurate error I can't put a new roof on my home. Correct or I will be forced to seek more legal councouil
Consumer complaint received 2022-08-08
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: Delivery Financial Services, LLC (IL)

Original bill from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Bill sent to collection company Delivery Financial ServXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had my XXXX XXXX I have XXXX XXXX XXXX XXXX ( XXXX Plan ) medical insurance with no co-pay/deductible as I am XXXX, XXXX  and only receive Social security income. XXXX XXXX is an in network doctor. They did about 5 incremental XXXX XXXX XXXX XXXX XXXX XXXX with over XXXX bills for numerous follow up visits for XXXX XXXX over several years. XXXX XXXX did not send two bills to me nor my insurance and thus were not paid. I just found about these bill when I pulled my credit report and saw that they were sent to Delivery Financial Serv collection company. I wanted to send the bill to my insurance. XXXX XXXX says they do not have open bills for me. Delivery Financial Serv says they do not have the original bill to provide me and that I will have to get it from XXXX XXXX. I am just getting the run around. I have TONS of paid bills from XXXX XXXX. If they had sent this bill it would have been paid. I called XXXX and they trippled checked my bills- the charge was never received. No one can provide with a bill to send to my insurance. I expect now it will be too late to even bill my insurance. LASTLY, the 2 bills should be removed from my credit report until I at least get a bill and possible until the matter is resolved.
Consumer complaint received 2022-07-18
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. (NJ)

there is a bankruptcy reporting on my credit report, which they have said to received that info from a third party. nonetheless I have contacted them several times to delete the bankruptcy as it is many violations of fraud, infringement of privacy extortion and racketeering which can be considered a XXXX.
Consumer complaint received 2022-07-18
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. (NY)

In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-03-15
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (AR)

Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking wells Fargo to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

The information on the entry for th e Chase a ccount is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00}  Balance Due of {$0.00} ( " - '' ) a nd  Past Due of {$0.00} " - '' ). The " Status Updated ' ' date reflected a date of  XX/XX/XXXX . I also received a  XXXX  in  XX/XX/XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XX/XX/XXXX    I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by  Chase to reflect an older " Status Updated  '' date of  XX/XX/XXXX . In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score also dro pped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date ''  changed from   XX/XX/XXXX  with the correct information to a " Status Updated '' date of  XX/XX/XXXX  with INCORRECT inform ation. However, this dispute to  XXXX  resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting agency (    XXXX   for resolution ) I sent another dispute to  XXXX  with copies of the '' before '' and " after '' credit reports ( with one copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XX/XX/XXXX  but got the same result. No correction updates to my   XXXX    report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this Chase entry either deleted or updated back to    XXXX     out balances and past due amount. This entry is now  one month from being 6 years old and had been reflecting positively with a Paid Status, w as charge off and  XXXX  past due for 5 years.
Consumer complaint received 2016-01-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MS)

On XX/XX/XXXX, XXXX XXXX XXXX , XXXX, an alleged debt collector, submitted a notice to me that Ocwen Loan Servicing , LLC is a creditor, and they are alleging that I owe them {$120000.00}. We have disputed this fraudulent debt on XX/XX/XXXX because Ocwen Loan Servicing , LLC is committing fraud, submitting fraudulent claims and pretending to be a bank, mortgage lender plus Ocwen Loan Servicing , LLC but acting as a bank, mortgage and finance company. Furthermore, I also requested that XXXX XXXX XXXX, XXXX XXXX The Mississippi State Bar Codes for all their employees in Mississippi because they utilized these same illegal tactics to try to foreclose on my property on XX/XX/XXXX, although they were aware that Ocwen Loan Servicing , LLC or any other entity do not have ownership of my mortgage nor the note. The fraudulent mortgage note was eventually extinguished in my United States XXXX Federal Court Bankruptcy hearing on XX/XX/XXXX which Ocwen Loan Servicing , LLC failed to appear. Allegedly, XXXX XXXX XXXX, XXXX and Ocwen Servicing, LLC, and others are involved and implicating themselves in a housing ponzi scheme plus The RICO act needs to be implemented. This information is also on record at The United State Bankruptcy Court for the XXXX District of Mississippi ( XXXX Divisional Office ).
Consumer complaint received 2022-08-08
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)

Put Consumer Reporting agencies on notice that all accounts should be validated pursuant to 15 USC 1692g. Without written consent with instructions 15 usc 1681b ( 2 ).

an Extension of credit, or experience should not be shown on my consumer reports. Companies did not respond.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (GA)

I was given a notice to wit 3 days to vacate not for non payment. XXXX XXXX ( XXXX  management ) sent me a move out statement I disagree with the amount XXXX  XXXX refused a payment plan. I have contacted ProCollect personally several times and an attorney reached out to ProCollect. XX/XX/2023 I began email communication with XXXX XXXX with ProCollect. XXXX XXXX would not accept a monthly payment plan and he noted my file contains : I refuse to pay the debt. XXXX  XXXX property XXXX  management corporate office stopped communicating with me and would not agree to a monthly payment plan or a payment settlement agreement. I am on fixed income and unable to work a job due to my o medical and behavioral health challenges. Thank you
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have written once before and now I am having to write for the second time as the first time around my requests were ignored. This is taking a toll and myself and my family and I need these errors to be addressed an corrected. At this point I need them to do their due diligence and ensure what they are reporting is totally correct and continue to do so moving forward to avoid these errors moving forward.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I sent about {$2000.00} on XX/XX/2021 that was supposed to be available to the recipient on XX/XX/2021 with Chase bank to an international bank. However, I requested to cancel the payment on XX/XX/2021. I have talked to everyone that I could possibly talk to to cancel my payment, but no one can do anything about it. I wanted to cancel my payment because the recipient did not receive the payment on the day they were supposed to. They still haven't received it. The company wants me to figure this out with the international bank when I transferred the money with chase bank here in the US. I even tried contacting the person I transferred the money to, but I was told to call my bank. I keep being sent in circles just to get my money back.
Consumer complaint received 2024-02-13
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. (IL)

To the best of my knowledge, FCRA 605B requires the removal of incorrectly reported accounts from credit reports. While I'm uncertain about the specifics, I urge you to review the accounts outlined in the documents. They're inaccurately represented on my credit report, with incorrect account information and statuses. This situation has deeply upset me, and I'm feeling unwell as a result. I'm reaching out to seek your assistance in resolving this matter.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

A notarized affidavant was submitted after the initial complaint was filed. Another was submitted on or about XX/XX/year>. As a result, another stall letter and statement was sent to me. 

Once again, as this company can not and HAS not provided accurate validation that this account belongs to me, I am demanding that this account be removed from my credit reports. 

This account does not belong to me and there has been no proof provided that shows that the account is mine. 

There is not sufficient evidence to support that this account belongs to me as I have stated this is a case of identify theft where my personal data that XXXX is referring to in their second response was compromised.
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together.My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner.The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to challenge the presence of the XXXX entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this XXXX should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2024-02-13
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. (IL)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. AS WELL AS THE ACCTS DONT BELONG TO ME 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. PLEASE REMOVE FROM MY ACCT
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax does not allow me to unfreeze my credit report online or through their automated phone system. 

Unfreezing my credit report requires talking to a live agent per Equifax 's customer service rep.
Consumer complaint received 2024-02-13
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)

I have received a copy of my consumer report from XXXX XXXX XXXX and I have received copies of my XXXX, transunion, XXXX XXXX reports and they have not done as I have said as a federally protected consumer and I need you to go after these cra 's and get them to provide the written consent that i authorized these reportings. I have a right to privacy and I have a right to safety, and I have been violated and each unauthorized reportings are in violation of the FCRA. 
There's several inaccurate marks that are damaging my name, I am being damaged daily and these violations because each violation is XXXX per remark. This is causing me sever trauma and a lifetime of damage for pain and suffering. It is illegal to report transactions that are not approved and with my written consent. I appreciate you for stepping in and making sure these agencies are following the law and they MUST compensate me for this abuse and violations of my private information. Pain/ suffering is also a fee that they will need to compensate me for. 

I have attached the report that shows all the inquiries that must have a written consent for every single reporting. 15 usc 1681 FCRA : 1974 privacy act.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.