davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-24
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)

I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2024-11-20
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 couldnt believe my eyes when I saw incorrect accounts on my credit report this morningit felt completely out of nowhere. My routine checks have never revealed discrepancies before. I refreshed the page, but the errors remained. Im requesting a thorough examination of my documents to ensure Im no longer plagued by this issue.
Consumer complaint received 2022-06-26
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. (PA)

The Credit bureaus stated my account XXXX # XXXX was properly investigated The Credit Bureaus never did a proper " investigation '' according to the FCRA XXXX 

The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account was properly investigation 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 the law because according to 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
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX # : XXXX, Inquiries -XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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
Consumer complaint received 2022-10-24
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. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Pursuant to18 USC 8, I owe no debt. This Company violating my customer right to privacy pursuant to 168 1b 2. company also has no permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2022-10-24
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Travelled to XXXX from XXXX in XXXX for 5 months Prior to travel called Capital One, as I do for other cards to warn of impending travel and see if any action needed. They assured me nothing. This was a fraudulent assurance. 
Tried to log in in XXXX to pay my account. Was unable to do so.They insisted on Phone verification apparently as a means of obtaining my mobile number. I am unwilling to provide that to any financial institution so had get them to call my XXXX land line and then had daughter relay code. 
Total cost to me approx {$50.00}. XXXX XXXX XXXX  bills available
Consumer complaint received 2022-10-24
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. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-30
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. (AR)

I have sent numerous letter to the credit bureaus as well as attempted contact and have yet to recieve any details, response, update, or answers on the matter : The following accounts on my credit report are fraudulent and without consent : XXXX USDEPT ED : XXXX DPT EDXXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NY)

I was with the company sprint wireless for over 6 years, i have decided to switch providers due to ongoing billing issues and wasting 2 hours every month on the phone with them. My fianal bill was paid ( this was how i was able to prt my numbers and bring my phones to XXXX ) a few monthe later i staryed getting letter from a collection agency named anfi statin i owed ove XXXX dollars. I had advised them this is incorrect and i would like to see a letter statindwhat the money owed i also asked for my account history of all payments to show i was up to date when i left ther I never received anything from them so i disputed with the credit report companies but this debt keeps reappearing on my reports.
Consumer complaint received 2022-06-26
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. (IL)

THIS ACCOUNT HAS VIOLATED MY RIGHTS ;XX/XX/XXXX CARD ACCOUNT NUMBER : XXXX 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 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX. 
Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Bankruptcy Reference XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have the rights 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.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (AZ)

In XX/XX/XXXX I signed up with Block Inc. dba Square so I could take card payments for my business goods and services. Ever since my first transaction, Square has claimed there was a problem with it and I would need to refund it to my client. Even though there was nothing wrong with it even to this day, they still claim I need to refund this transaction to my client, even though I've already delivered goods and would essentially be taking a direct loss to my business if I did such an idiotic refund. They subsequently put a hold on my account and kept all of my processed card transactions until I issued the refund. In XXXX I had gross sales totaling {$26000.00}. For facilitating these transactions, I paid Square {$940.00}, leaving {$25000.00} in my Square account, owed to me. On XXXX I was informed my account would be closed and that any " outstanding Square balance will be reserved for up to 180 days ( but no less than 90 days ), unless circumstances require that we extend this reserve period. '' I was again given the false choice of refunding my very first transaction if I didn't want to wait for my funds to be disbursed, or waiting an indefinite period for my funds. I tried contacting my client about issuing such a refund and taking their payment again, but received no response. I have inquired with my client several times over the last 4 months. During these past 4 months, Square has also allowed a dishonest customer to file false claims against me. Even though I provided transaction receipts, proof of delivery, and client communication, among other things, Square has allowed over {$5000.00} to be stolen from me. My Square account now has {$20000.00} in it. 

Since the initial minimum of 90 days has passed, in fact closer to 120 days now ( and still no dispute nor chargeback nor any problem whatsoever with my first transaction that Square claims I must refund ), I've inquired with Square as to when I will be getting the remainder of my money they continue to hold. Instead of being told anything useful, I am told the most infuriating of things that, starting from XX/XX/XXXX, my outstanding balance " will be reserved for up to 180 days ( but no less than 90 days ), unless circumstances require that we extend this reserve period. '' So now I am being told that I can't have my funds for another minimum of 90 days, which, if you add to the 120 days that have already passed, means Square has chosen to hold my funds for a minimum of 210 days. But that's not all, they claim they can hold it up to 180 more days, or longer if " circumstances require '' which I suppose can be any reason they come up with. Essentially they are saying they can hold my money forever, turning them into de facto thieves and criminals.
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This Company has violate their rights by calling me 7 days a week including Holidays and nights and bullying me and they call my husband phone with the same tactic to pay a debt that has been years ago. I have all the phone record proof of how this company should be shut down with all the scam they are pulling. Now they are trying to sue me and take me to court over this matter.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S. C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


15 U.S. C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The account information XXXX XXXX XXXX of {$64.00} on my credit report does not belong to me. This information is wrong and needs to be deleted.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I've disputed this information various times. I also submitted a copy of my ID and SSN. These names are not correct and they continue to appear on my Experian report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these names that are not correct.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I sent a letter off on approximately XX/XX/XXXX XXXX my tracking numbers are XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-11-07
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: DISCOVER BANK (IL)

This was written off as bad debt until I sent in a letter to all three major credit bureaus looking to dispute inaccurate information from my credit report on XX/XX/XXXX. I received XXXX letters, XXXX from Discover and another from XXXXXXXX XXXX XXXXXXXX ' attorney office attempting to sue me over the fraudulent charges and unauthorized associated interest. 

I'm a bit confused because I got a letter from Discover stating I opened an account with them in XXXX of XXXX and didn't get my card until XX/XX/XXXX of XXXX which seems odd to wait that long for the card. I don't think that is accurate. I've attached an email of payments made between these dates which would mean I would have had the card before XX/XX/XXXX of XXXX. Also please note the account was closed so I no longer have access to full communications just copies of emails that I still have. 

My credit card was fraudulently paid off in the amount of {$1700.00} I was unaware of this until I received a bill for {$3400.00} which would have been more than my {$1700.00} limit. I immediately called and reported this as fraud. They told me they would investigate, they in return decided to write this off as bad credit and close out my account. I'm not receiving letters from XXXX XXXX informing me of a wage deduction in the amount of {$4700.00}. Apparently they continued to charge me interest on an account that should have been closed. Please assist if you can!
Consumer complaint received 2022-06-25
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. (MI)

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # XXXX XXXX XXXX L, Account # XXXX # XXXX XXXX XXXX XXXX, violated my rights. 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.
Consumer complaint received 2022-12-29
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)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; 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 alleged identity theft, not later than 4 business days after the date of receipt.