davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NOWXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NXXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (AZ)

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 
XXXX XXXX XXXX account number XXXX Open on XX/XX/2016 XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2023, and XX/XX/2023, I disputed medical debt of {$100.00} by XXXX XXXX XXXX Acct # XXXX. Both disputes did not resolve to have the XXXX XXXX under {$500.00} XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/2023, I called Equifax to ask that the dispute be resolved under the law. The Equifax representative stated that the law isn't enforceable because it doesn't have a " start date ''. I asked that she find further clarification on this point. She returned and stated that she could only file another dispute, but not resolve any dispute under XXXX XXXXXXXX because it doesn't have a " start date. '' XXXX  XXXX is in full effect. I want XXXX XXXX Systems Acct. XXXX medical debt of {$100.00} removed. I also want Equifax to follow the law at all times without months of consumer time to correct what this company should have already implemented.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-11-14
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)

I have reached out to your guy before back in May about some things that was and two still is on my credit. At this point Im reaching back out because there are still two items and some inquiries that are not mine. I have contacted the FTC and police department. Please have these removed from my credit XXXX and XXXX and the inquiries are XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to just reach back out one more time.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

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 2024-10-29
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. (FL)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES : TRANSUNION XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Equifax is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company was reporting bankruptcy case number XXXX as belonging to The Consumer. The Consumer has received notification that The Company has deleted the above mentioned bankruptcy from their database, but has yet to remove the accounts originally reporting as associated to said bankruptcy. Listed are the accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Company is also inaccurately reporting a late payment : XXXX - Should be marked as PAID, Never Late
Consumer complaint received 2019-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (OH)

Hello, this is a follow up on complaint XXXX, which I have been unable to successfully resolve. Specifically, in my previous complaint I had asked my servicer University Accounting Service ( UAS ) for documentation showing that the listed lender " XXXX   XXXX  XXXX  '' ( XXXX ) was the current legal owner of my student loan debt. I asked this because 1 ) the provided master promissory note does not mention this lender in any way, and 2 ) there was no listed contact, webpage, or any searchable online presence of this lender that would allow me to contact the lender and ask for proof of ownership, and 3 ) I have had a number of issues already with this particular loan that have led me to question its validity ( please see complaints XXXX, XXXX, and XXXX ). 

As a response to my previous complaint XXXX, UAS provided contact information ( including email and telephone number ) for the person they have listed as the chief financial officer for XXXX, Mr. XXXX XXXX ( see attached response letter ). Since then, I have emailed Mr. XXXX on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, see attached for copies of emails ) politely requesting that Mr. XXXX provide documentation that he or his company are the current legal owners of this debt. I also had a phone conversation with Mr. XXXX on XX/XX/XXXX in which Mr. XXXX explained to me that XXXX had acquired the loan from the original lender years ago, but he did not say that he was willing to provide proof that he or an active organization in his name currently legally owned the debt. 

I think that it is within my rights as a borrower to confirm that the student debt I owe is legitimate. In this case, I think that it is fair at the very minimum to ask that either UAS or Mr. XXXX provide documentation showing that 1 ) XXXX  is an active lending organization ( I can not find any website or contact info for it online ) and 2 ) that Mr. XXXX or an active organization he runs bought this student loan from the original lender ( ie, establishing chain of title ).
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CO)

Hello Consumer Financial Protection Bureau, Im writing you today in regards to my New York and Company Runway Rewards Credit Card. Consumer Financial Protection Bureau, could you contact conduct an investigation of my New York and Company credit card account to determine why New York and Company closed my New York and Company Runway Rewards Credit Card account? 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc. (NC)

Pro Collect Inc refused to accept half the payment over the phone but instead wanted me to send in a money order. They refused to allow me to make a payment online stating that they didnt have a online payment system which indeed they do. Very rude company
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Dear consumerfinance.gov, Pleaase resolve my paypal account problem my paypal was permanent ban by paypal massive banning by XXXX i dont know what is my violation on paypal rules im just followed the rules of paypal about XXXX transaction payment then after that my money will be unhold my money
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 antedsates 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 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-13
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. (OH)

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 I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state OHIO.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I am in total disagreement with your investigation response. Inaccurate information still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft from a corporate security breach. This information does not relate to [ transactions that I have made or accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.I have tried through written correspondence, yet Experian has ignored my disputes The acounts are as follows : 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 2019-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received notice from company that amount on cancelled credit card had an amount due, many months after card cancelled. Response from credit card company is that they are refusing to describe issue ( s ) in writing dated XXXX XXXX, 2019.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Heritage Financial Group, Inc. (KY)

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-13
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. (GA)

Here is a copy of my Affidavit of Truth dated XX/XX/2022 which I sent a notarized copy to XXXX reporting inaccurate information on my consumer report. I Demand you follow the 2 Acts that govern and control the credit industry. FCRA and FDCPA. According to 15 USC 1681E ( b ). I am entitled to an accurate consumer report. I demand you remove all these inquiries from my consumer report.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive requested the three bureaus spell and hyphenate my name correctly and remove all variables that are said to be incorrect and they refusedmy name is XXXX XXXX XXXX and NOT XXXX XXXX XXXX