davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXXXX.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-20
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)

In accordance with the Fair Credit Reporting act Account # XXXX  XXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, Account # XXXX XXXX XXXX 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 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (TX)

Was informed by the creditor that XXXX closed one of my credit cards that was in good standing, never made a late payment and the balanced was paid. Was not given notice or the choice to decide to close the account or not. I did not want my account closed. 

Called the creditor they stated that XXXX decided to close the account. Called XXXX and they said they can not make those decisions. The creditor did not give a reason to close the account other than it was XXXX. No legitimate reason was given to close this account that was in good standing.
Consumer complaint received 2018-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I went into the XXXX Chase branch on XX/XX/18. I ordered a new atm card as I lost mine. The banker gave me a temporary card, which can not be used except at the atm machines The banker never sent my new atm card until XX/XX/18, per XXXX in XXXX, AZ ; I spoke to him at XXXX today, XX/XX/18, and told me that the previous banker, should have sent the card earlier. 

This really is a problem as I can not pay my bills and have been threatened with cancellation!!!
Consumer complaint received 2023-06-17
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: ALLY FINANCIAL INC. (NY)

As of XX/XX/2023 I stated I noticed a fraud account and the credit XXXX XXXX ALLY FINANCIAL claimed they did an investment but how is that possible when I never gace my written instructions ALL COMPANIES AND CREDIT BUREAS INVOLVED ARE IN VIOLATION OF THE LAW!!!!!! 
RESPONSE DISPUTE 15 U.S. Code 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. 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 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry on my credit report.
Consumer complaint received 2018-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC. (CA)

My wife contacted CashCall via the internet. We were having a severe cash flow issue. We have a small business in the mountains above XXXX XXXX. She was not given any information on the percentage of the loan which we recently found out was 98 %. I was under the belief that we would be finished paying the loan by this XXXX. Was I wrong we are still paying the minimum which is over 600 a month for an XXXX dollar loan. Looks like we have about 10 years left. I think that this is usury and should not be legal. We already have paid over the premium and are wondering what we can do next.
Consumer complaint received 2023-06-20
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. (NJ)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-06-17
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. (MA)

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Equifax on XX/XX/2023. To date, Equifax has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX Account Account Number : XXXX Equifax has erroneously reported a late payment on the XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX Account Account XXXX : XXXX Equifax has provided inaccurate information regarding the XXXX account. I kindly request the correction/update of this erroneous data on my credit report.
Consumer complaint received 2023-06-20
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX a XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (CT)

There a XXXX XXXX that has been added to my TRANSUNION Credit Report! My address and only ADDRESS IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX THATS BEEN MY ONLY ADDRESS FOR OVER 6 YEARS. A XXXX XXXX  CAN NOT BE ADDED TO A CREDIT REPORT BECAUSE LENDERS DONT ACCEPT XXXX XXXX ES AT ALL NO LENDERS IN THE UNITED STATES ACCEPT XXXX XXXX XXXX EVER!!! LIKE IVE TOLD CREDIT BUREAU TRANSUNION NUMEROUS TIMES TO TAKE OFF XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT YOU STILL REFUSED AFTER NUMEROUS DOCUMENTS FTC REPORT, CFPB REPORTS, XXXX XXXX XXXX REPORTS, POLICE REPORTS AND NUMEROUS DOCUMENTS FOR OVER 6 MONTHS OF DISPUTING AND NOW SEE A XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX WAS ADDED TO MY CREDIT REPORT AND THE BUREAU KNOWS THAT THATS NOT ME!!! A XXXX XXXX CAN NOT BE ADDED TO A CREDIT REPORT BECAUSE NO LENDERS IN UNITED STATES ACCEPTS XXXX XXXX XXXX! AND AS YOU ALSO SEE THE ZIP CODE ON THAT XXXX XXXX IS NOT AND REAL EXISTING ZIP CODE FROM THE UNITED STATES AT ALL? THATS NOT A REAL ZIP CODE IN THIS COUNTRY!!! BUT YOU STILL ARGUED WITH ME NUMEROUS TIMES ON THE PHONE AND IGNORED MY DISPUTES BECAUSE THEY KEPT COMING BACK VERIFIED ON MY CREDIT REPORT. NOW YOU KNOW AND COMPREHENDING THAT IT WAS NEVER ME IN THE FIRST PLACE!!! IM REQUESTING {$1000.00} FOR VIOLATING MY FCRA AND CONSUMER LAW RIGHTS FOR EVERY SINGLE VIOLATION BELOW 6 MONTHS ( EVERY MONTH YOU KEPT ALL THIS FALSE INFORMATION ON MY CREDIT REPORT HURTING MY FAMILY ) PAIN AND SUFFERING!!!!!!!!!!
Consumer complaint received 2023-06-20
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. (VA)

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 2023-06-20
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. (MD)

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. 


XXXX XXXXS Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : 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 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 2023-06-17
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. (MD)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00}, XXXX XXXX WY XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2023-06-17
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION (NC)

XX/XX/2023 XX/XX/2023 I have been reporting various reports with the CFPB about credit acceptance I have told Both The CFPB and credit acceptance that I am on fixed income of {$510.00} monthly income and {$190.00} food stamps Following being hit by a car while walking I am XXXX I do not intend on paying this debt because I can not afford it I dont wish wish to be contacted by credit acceptance as Ive told them to stop calling me I suffer XX/XX/XXXX And I will not be bullied as I do know my consumer rights I will not allow this form of harassment From credit acceptance who is also reporting repossession/foreclosure to my credit report The car was repossessed not foreclosed Again I do not have the money to pay for this debt nor do I intend on paying it If they contact me again I am filing a lawsuit For harassment disturbing my peace And misinformation on my credit report I am in the process of healing from having touch and go XX/XX/XXXX The last thing I need is to be arguing with a creditor about a debt Ive already said I cant pay Ive requested a 1099C so I know they have already filed So that I can file it as well Ive requested a XXXX deletion If they are not going to give either to me They should just leave me alone
Consumer complaint received 2018-10-17
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. (CA)

I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXX XXXX  XXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX  XXXX XXXX Account # XXXX - I have always paid on time, the XXXX and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (CT)

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/XXXX. To date, Experian has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) Experian has erroneously reported a late payment on the XXXX XXXX  account. I would like to emphasize that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) Experian has provided inaccurate information regarding the XXXX XXXX account. Specifically, the information on my credit report requires correction. I kindly request that Experian rectify this erroneous data. 

XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) Experian incorrectly indicates a late payment on the XXXX XXXX account. I want to clarify that this account has never been late. Consequently, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Experian includes a late payment record for the XXXX XXXX account. It is important to note that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) Experian has provided inaccurate information on the XXXX account. I kindly request the correction of this erroneous data on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Experian has also reported inaccurate information regarding the XXXX XXXX account. Specifically, the information on my credit report requires correction. I kindly request that Experian rectify this erroneous data.
Consumer complaint received 2023-06-20
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX