davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, Pa, XXXX TransUnion, LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear Transunion, On XX/XX/XXXX, I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding th e following accounts on my credit report : XXXX XXXX XXXXXXXX Account XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract.

I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attempted to fix errors on my consumer report on multiple occasions. I have two accounts that are being inaccurately reported on my consumer report for {$67000.00} & XXXX. 

Other consumer reporting agencies have deleted the inaccurate accounts from by consumer report but Transunion has willfully and knowingly ignored my demand to have them removed. 

Please be advised that " verified '' is not a legal or lawful response.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (ND)

Affirm has constantly contacted me over the course of 7 days. I have blocked their numbers yet they have left multiple voicemails with no messages and have most likely tried contacting me more. I am a survivor of cyberstalking and have XXXX XXXX XXXX XXXX because of the incident and when Affirm has called and left blank voicemails it triggers my XXXX. Not only have they violated my rights as a consumer but my rights as a XXXX XXXX. I have attached 3 of their voicemails however they have left 3 more and have most likely attempted to contact me more.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-07-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, my final bill with XXXX is with my XXXX card. On XX/XX/2023, I saw on my statement with Bank kf America and it was posted On XX/XX/XXXX. With XXXX. How can this happen when I do not even have the card number. I received my card after 2 weeks? In the meantime I was talking with both XXXX and B of A. XXXX told me there is no one that can change my card on file except me. They do not want to accept the fact that I could have not done it for I do not have the card number. XXXX XXXX from XXXX and XXXX XX/XX/XXXX a XXXX called from BofA that my dispute was rejected. They can not provide any of my authorization. I have all the documentarians I am XXXX XXXX XXXX and they just want me to be blamed. Over and over I told them the charges are legit but with the wrong card. Both companies had colluded. I can not handle it anymore.with Bank of A is XXXX. With XXXX XXXX XXXX. 
Time is off the essence thank you.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 
Account name : XXXXXXXX XXXX Account number : XXXX You're reporting a late payment in XX/XX/2021 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Consumer complaint received 2023-07-06
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by me THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-04
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. (CA)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (MN)

In XXXX I opened a joint account with my wife at the time with Wells Fargo Bank. We divorced in XXXX at which time she was responsible for the Wells Fargo account per the divorce decree. Checking my credit files with the three major credit bureaus this information from Wells Fargo is still being reported on my credit reports. 

I spoke with a representative at Wells Fargo on XX/XX/XXXX and we closed the joint account. The representative told me that the account will still be reported on my credit reports. If for whatever reason my ex decides not to pay or pays late this information will also be reported on my credit report. 

Although I dont anticipate my ex not paying it because she has paid it consistently for years it is still an outstanding balance and it is adversely affecting my credit score. The reason why I believe it is adversely affecting my credit score is because she makes the minimum payment. 

Recently, I always pay my credit card balances in full each month. I am trying to achieve the highest credit score possible. This Wells Fargo account is hampering my ability to achieve that goal.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (UT)

Last summer I bought pants at old navy. The cashier signed me up for the old navy credit card because their card systems were down, and she said that was the only way I could pay for my pants at the time. I called Barclays ( the Mastercard service ) to make my payment a month later. I paid in full, and I havent used the old navy  credit card since. 
Every month since then I have received a statement in the mail, and countless calls saying that I am late on my payments. Every time Ive called- the original payment is in their system, the late fees are cancelled, and my account closed. But then I keep getting messages that my account is not paid and I have late fees. I am so frustrated and I feel like I am getting scammed. Not only that, but the last several times Ive called I explain my problem, and then the line goes silent. Its like they wont even give me a chance to figure it out.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am not able to obtain the credit to which I am entitled because XXXX, XXXX, and Transunion are ignoring my repeated disputes of numerous accounts that are being reported to my consumer report that I never initiated.They are REQUIRED to abide by the exercise of my right to prohibit the information from being used in connection with transactions that I did not initiate pursuant to 15 USC 1681m ( d ) ( 1 ) ( D ). 

I am a victim of identity theft and I have repeatedly requested that the credit reporting agencies block the information being reported pursuant 15 USC 1681c-2. The supporting documentation for the block of information has been on file since 2018 which includes the affidavit of identity theft, identity theft report, written statement, copy of driver 's license and copy of social security card. 

According to 15 USC 1681, false information being furnished to my consumer report is defamation of my character.

The accounts being disputed are being furnished by creditors that are not licensed to conduct business in Louisiana which makes all purported obligations null, void unenforceable, and uncollectible as against public policy of this state pursuant to La. R.S. 9:3518.4 ( a ) ( 1 ). 

They are purporting to have completed investigations of my disputes in just 24-48 hours have failed provide an explanation or a list of reasons. The credit reporting agencies are damaging my reputation and causing me credit discrimination.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally notify you that I am a victim of identity theft. As a result, I am requesting the blocking and permanent deletion of certain accounts and inquiries on my credit report as permitted by the Fair Credit Reporting Act ( FCRA ) under 605 ( b ) and 15 USC 1681c-2 ( a ). 
Please find below the details of the accounts and inquiries that I am disputing as fraudulent : Account XXXX XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CFPB, I would like to disclose there has been XXXX and lack of disclosure which has led to the Revocation of my XXXX. I would like to formally revoke, rescind, and repudiate my signature on the original application presented to Capital One and demand the cancellation of our agreement, pursuant to XXXX XXXX. 

It has come to my attention that the original application, on which I provided my signature, was fraudulent on its face due to the lack of full disclosure. The application failed to inform me that Capital One was providing me with " bank credit '' out of thin air. Had this fact been disclosed, I would have been aware that the element of consideration was missing from the contract, and I would not have entered into the agreement. 

I want to emphasize that fraud has no statute of limitations, and its presence vitiates every contract agreement. In light of this, I hereby demand that your bank cancels our agreement and return to me every dollar of my labor, along with all interest I have ever paid to you for the duration of the agreement. 

Furthermore, I will personally contact the vendors with whom I have outstanding debt for the products or services I purchased from them that are not under dispute. I will make arrangements with them directly to cure the debt within a reasonable time frame.
Consumer complaint received 2020-04-17
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. (PA)

XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX  XXXX  {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX  {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported XXXX XXXX limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX  & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/XXXX 2015
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (TN)

On XX/XX/XXXX  I obtained a title loan from Title Max in XXXX, Tn. I only needed a title loan but was sold the flex loan by being told that it would t be available to me if I didnt take money out then for it. I took the money out just in case of hardship. Paid my title loan off in 2 months. Called Title max looking for my title and was told that it was connected to the flex loan. My truck is now repossessed so I contacted a resource that I have through the military who advised me that they gave me the loan under deceptive practices. I called for several days XXXX through today and finally spoke with the XXXX  manager who advised me that because I checked the box that I wasnt military that there was nothing that she could do. She was very nasty when I told her that I could understand why I would check that because my husband is neither active or reserve but deceased. There was no box for deceased. There was no resolution and now my truck will be privately up for auction. I dont understand as well why it is private instead of a public auction. Possibly because its a nice truck.