davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-01
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)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-01
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. (CA)

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. 1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 3. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 4. XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 6. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 7. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 8. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 9. 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified certain erroneous item ( s ) that require attention : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my report. It is my understanding that you will contact the relevant creditor to verify the accuracy of the disputed information. Please eliminate any data that can not be substantiated by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this correspondence. 
Kindly provide an updated copy of my credit report to the aforementioned address. As per the legislation, there should be no fee associated with this updated report. Furthermore, I kindly ask that you notify anyone who has received my credit report within the past six months regarding the corrections made. 
Thank you for your attention and assistance in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-31
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. (TX)

Today XX/XX/23 I received a XXXX XXXX credit alert that a lender requested a copy of my credit file. I logged into my XXXX XXXX XXXX XXXX and it shows a new inquiry from XXXX XXXX. This was the info on my alert : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX I called them at the number above and they did not show any new credit in my name and suggested that I contact Experian which I did and immediately put a fraud alert on my account. Experian suggested that I file a complaint with CFPB. 

I have NOT applied for any new lines of credit with anyone since XXXX of XXXX.
Consumer complaint received 2023-01-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, 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 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XX/XX/XXXX
Consumer complaint received 2023-01-03
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. (PA)

Hello my name is XXXX XXXX, i got a notification through my credit reporting apps that a accounts has been showing on my account. I am a victim of identity theft, I have been dealing with this for months. Some XXXX  is using my private information to obatin this auto loan, phones services and payment installments. I read in that the cfpb and the fcra protects consumers from fraud. I am a victim of identity theft and i did not make this transaction at all. Please delete these from my accounts.
Consumer complaint received 2022-12-08
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. (MD)

Hello, I sent several complaints out about bankruptcies being on my credit reportXXXX XXXX XXXX XXXX and # XXXX was obtained through the XXXX XXXX  which is against consumer law 15 U.S.C 1681a ( e ). 
XXXX XXXXXXXX was removed from my XXXX Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that XXXX XXXXXXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section XXXX to XXXX to provide my XXXX XXXX to the credit reporting agencies.
Consumer complaint received 2023-01-03
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. (CA)

my credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions.

check all negative accounts that they are 100 % accurate, if not remove them.

Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements.

If no proof is provided, remove them from my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-08
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)

Equifax has knowingly disregarded my disputes on the XXXX XXXX XXXX dispute. I submitted paperwork showing this was paid and closed to be removed in XX/XX/2022 and the continually keep violating the FCRA and keep inaccurately reporting it. It is supposed to be removed as part of the settlement.
Consumer complaint received 2022-12-08
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection not mine XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION (FL)

This is the second complaint that I am writing in regards to Vystar credit union. I called the bank this morning as we got back from a cruise and they knew about it because i told them and they saw all the withdrawals and payment that was done to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My dispute was not with any of these companies. I called to dispute about two companies that stole my money for services XXXX XXXX and XXXX. I never received any items from them. I went and tried to get back my money from the first one XXXX XXXX for the {$700.00} theft and they declined the individuals and XXXX XXXX have not gotten back with me. The second company XXXX who took an amount of {$1400.00} in three different transactions And I never received anything from them. 
Now what got me is the fact that I called Vystar and waited on the phone for about 45 minutes before they answered just to ask why no one called me back and also to find out how I can get another debit card because I have two direct deposit that goes to this account my VA and Social Security XXXX and my dispute had to do with services and items I never received and did not authorize, and they also had blocked the transactions because they probably had an issue with other customers with these companies. 
We are currently in XXXX at my mothers house due to the fact my wife had XXXX XXXXXXXX and she will begin her XXXX XXXX  at the XXXX XXXX and we will not be able to go back home right now XXXX XXXX XXXX, so when they told me that my account is not able to receive a XXXX I said wow and why, the agent told me that is the note that is written in the account and that the fraud department is currently closed. The bank was closed for the XXXX and i couldnt communicate right away with them due to internet issues on the XXXX and also they were closed for sunday and monday, so early this morning XXXX the XXXX I made sure I called and spoke with the card division and they told me that they will close the cards and investigate the duispute. I am dissapointed that Vystar will go to this extreme to deny me of a card that I ask If they can send to me at my mothers house due to our current situation and again the dispute was not fault it was by two companies. 
My dispute or claim number is XXXX
Consumer complaint received 2023-01-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Upgrade, Inc. (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Upgrade XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied online for an Upgrade Card at XXXX XXXXXXXX XXXX in response to a promotional offer to earn XXXX SB after you deposit your first {$25.00}! on XXXX 

I met the terms but the SB did not post. 

Now, I respectfully demand that XXXX XXXX XXXX pay the advertised bonus of {$75.00}. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-12-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OR)

As of today, XX/XX/2022, my private student loan with Navient is past due. The due date was XX/XX/2022. Navient has been calling me incessantly about this while I am at work. I am unable to take outside calls at my job. It's sufficient for them to call one and leave a message for me to return instead of harassing me throughout my work day.
Consumer complaint received 2022-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION (NC)

ADDITIONAL COMMENTS I still receive multiple daily calls to pay interest fees and late fees on the interest they say is due. The letter I received repeats the same narrative that their representatives state on their phone calls and use intimidation tactics not allowed by debt collectors. However, since the Federal, State and Local governments are solely on the side of the banks, my complaint was useless. I am a fly on a very large wall run by the banks, saved again throughout history by the government. The average citizen does not count, and you prove it.
Consumer complaint received 2023-01-03
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. (IL)

In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There are chain mistakes from Bank Capitalone side.. 
On XX/XX/2022, their first mistake : there was {$100000.00} transfer out from my account ( XXXX ) without my fully understanding authorization ( supposedly it should be reversal or confirm ) nor my signature ( so large amount without any translator? XXXX discrimination? ) to an uncertain/erroneous company ( Capital one never background check company before sending transfer? Neither no any warning note letter notice to the customer before action? ), when I found something wrong, I tried to call customer service immediately, and the manager, even their top managementbut nobody cam dispute/reimburse my money back so far. The claim # XXXX, ( Per XXXX XXXX procedure, Get a refund for a claim : Temporary credit will typically be granted within XXXX business days so that you have use of the funds ) ->But receive nothing from capital one yet This amount maybe so small for a big company ; but its very important for my family. So I come here to ask your help for my right and fund back, your promptly action and reply this email : XXXX will be appreciated
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (WI)

ATTEMPTING TO COLLECT A DEBT PAST THE STATUE OF LIMITATIONS JUDGEMENT DATE XX/XX/2012 In accordance with the Fair Credit Act Credit Acceptance Corp Case # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy Being a Resident of XXXX; Under Wisconsin XXXX XXXX, the statute of limitations on open accounts and written and oral contracts is 6 years. The statute of limitations on promissory notes is 10 years. Wisconsin law prohibits any collection efforts on accounts where the statute of limitations clock has expired. This rule applies to original creditors and collection agents. 
Under Wisconsin XXXX, a creditor may not file a lawsuit on a debt after the Wisconsin statute of limitations expires. If a collection agent or original creditor attempts to collect expired debt create a cause of action under Wisconsin law as well as under the federal FDCPA because any collections actions misrepresent the legal status of the debt.
Consumer complaint received 2023-01-31
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: AMERICAN EXPRESS COMPANY (UT)

I was getting gas at a convenience store when I gave the attendant  my XXXX XXXX credit card. He tried to charge {$1200.00} on the card and XXXX  XXXX declined it due to suspicios activity. I did not know this until after I gave the attendant  my American Express for {$15.00} in gas and he then charged the {$1300.00} on the American express card. Within about 20 minutes I saw that a few charges were on my American Express card that did not make sense and XXXX XXXX had declined the {$1200.00} attempt. I immediately contacted American Express to report the fraud ...!!! I was told that " Pending Charges can not be disputed ( I have this inwriting from American Express and written chat from me reporting the fraud and them doing nothing about it except charging me the {$1300.00}. I could see if I had waited but I reported it immediately and thank XXXX XXXX XXXX declined the suspicion charge since buying a large amount of anything at a gas statin would be ridiculous!!!! 


XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card Member : XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS IAM IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM COMSUMER REPORTS N CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! THANK YOU