davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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. (MI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-28
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. (OH)

Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, OPP Loans is not listed in the XXXX XXXX XXXX as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Consumer complaint received 2023-07-28
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 my 6th 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 XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$620.00}
Consumer complaint received 2024-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

So on XX/XX/year> I purchased a vehicle from a little car dealership called XXXX XXXX XXXX at the time I was unaware that they sold me a lemon law buyback branded title so as the months went by I found out that the car was, indeed, in fact, a lemon, law branded title I had a lawsuit against XXXX finance for buying this contract from XXXX under false pretenses and fraud, however, upon realizing that they sold my contract to XXXX finance I also noticed that XXXX finance pledge my collateral meaning the contract to Wellsfarrgo North America for securities. This is securities fraud, and I plan to push this to the fullest extent of the law I have since regained all of my payments and down payment toward the vehicle, which XXXX finance has settled Outside of court however, XXXX is also involved in this fraudulent contract as they used it as collateral to pledge securities against my contract, I am looking to redeem all of my securities. I did not give them permission to sell the securities or keep the securities or keep any of the deductions from the securities. I did not allow them to keep any money is made from the securities. I did not even give them a security interest in the contract. This was all Robo signature addedby this fraudulent car dealership I am looking. To regain all of my security interest sold on XXXX ALL STOCK BONDS DIVIDENDS AND INTREST TO BE RETURNED TO ME IMMEDIATELY AS HOLDER IN DUE COURSE
Consumer complaint received 2023-07-28
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (LA)

Actions Taken : Requested XXXX to remove of the following inaccurate name ID because I have only one legal government name which is : XXXX XXXX XXXX XXXX Remove the following from my credit report, I don't have XXXX names I have only 1 legal government name 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 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
Consumer complaint received 2023-07-28
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. (PA)

Some of these items in regards to my Accounts on my credit report are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated and all late payment be listed as paid on time. Multiple accounts show on time payments by 2 bureaus then late by another bureau in the same month All monthly payments should be reported on time. This is not 100 % accurate AND NEEDS TO BE ADJUSTED. Also on each account Attached it has the in correct open dates on all accounts and Balance are all off and incorrect and status are incorrect bureaus are reporting paid then other bureauS reports late these need to be corrected. It is also against the law without consent to show payment transactions, utilization and payment history under U.S.C 6801-6805. ( OPT OUT ) PLEASE ADJUST ALL ACCOUNTS LISTED BELOW. Also please fix all personal information on my reports there should be 1 address listed XXXX XXXX XXXX all other addresses are non-mailable and need to be removed 1 telephone number- XXXX and 1 employer XXXX . Each time these companies have reported monthly without consent they are in violation. 

Accounts with in accurate information. ( Please update all payment history 's misleading information no payments should be late. Please correct all other misleading information account open dates, balances etc. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX charge off account 2 bureaus show no reporting the other needs to be removed. Inaccurate XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid In full not closed XXXX XXXX Paid not closed XXXX XXXX XXXX Letter from previous dispute with the bureaus and credit report attached.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Accourding to the Fair credit act my inquires over 2 years should have been removed. I reviewed my reports and noticed the following inquires over two years still remain on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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)

Some of these items in regards to my Accounts on my credit report are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated and all late payment be listed as paid on time. Multiple accounts show on time payments by 2 bureaus then late by another bureau in the same month All monthly payments should be reported on time. This is not 100 % accurate AND NEEDS TO BE ADJUSTED. Also on each account Attached it has the in correct open dates on all accounts and Balance are all off and incorrect and status are incorrect bureaus are reporting paid then other bureauS reports late these need to be corrected. It is also against the law without consent to show payment transactions, utilization and payment history under U.S.C 6801-6805. ( OPT OUT ) PLEASE ADJUST ALL ACCOUNTS LISTED BELOW. Also please fix all personal information on my reports there should be 1 address listed XXXX XXXX XXXX all other addresses are non-mailable and need to be removed 1 telephone number- XXXX and 1 employer XXXX . Each time these companies have reported monthly without consent they are in violation. 

Accounts with in accurate information. ( Please update all payment history 's misleading information no payments should be late. Please correct all other misleading information account open dates, balances etc. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX charge off account 2 bureaus show no reporting the other needs to be removed. Inaccurate XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid In full not closed XXXX XXXX Paid not closed XXXX XXXX XXXX Letter from previous dispute with the bureaus and credit report attached.
Consumer complaint received 2023-07-28
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT HOMEBRIDGE TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. 
Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK 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.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-03-21
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. (GA)

This is my NUMEROUS 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 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 XX/XX/XXXX XXXX
Consumer complaint received 2023-03-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

Ok, I open a line of credit with NcState Employee Credit Union I refinance my loan and put my car in the loan which was {$4000.00} and also my credit card I have with them with a limit of {$5000.00} I also paid off 2 other credit card bills which they applied to the loan also, so with that and interest amount add up to {$23000.00} it was open back in XXXX XXXX and was close and charge off in XX/XX/2023 I try my best to keep up with the payment and in the middle of covid i was affected and default on the loan I am on a fix budget from social security XXXX so every month I was paying {$550.00} so they charge it off and put it on my credit all 3 agency, So please I am asking for help to remove if its possible I could not see the account number on my report but if access it is very noticeable I try all I could The Bank is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX
Consumer complaint received 2023-03-21
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$18000.00}
Consumer complaint received 2023-03-21
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. (CA)

This is my Follow-up 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} 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
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I opened an account with Synchrony Bank in XX/XX/XXXX. My first payment was due XX/XX/XXXX. I paid {$110.00} on XXXX XXXX. My next payment was due on XX/XX/XXXX. I paid {$120.00} on XX/XX/XXXX. I was attempting to make my XXXX payment on XX/XX/XXXX ( due date is XX/XX/XXXX ) and I was informed my account has a XXXX dollar late fee because I did not make a payment in XXXX. Synchrony bank shows I made a payment of {$120.00} on XX/XX/XXXX, but they did not apply it to my account because I made the payment before a new bill cycle generated. I do not understand why Synchrony Bank wouldn't credit my account for that payment. They are not backing down on this issue and I find it unacceptable. It is my intention to pay this account off under the 6 month with no interest, but I feel that they are attempting to prevent this. Your assistance will be greatly appreciated. 
Thank you, XXXX
Consumer complaint received 2023-03-21
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. (MD)

In accordance with with the Fair Credit Reporting Act : The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account name : # XXXX XXXX, 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 states : A consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : 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.