davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-18
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item 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. 


XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX* Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-11-17
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. (DE)

I went to a car dealership and applied for auto loan, I also applied for some credit accounts and my credit was shopped around, I ended up with XXXX hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RS Clark and Associates, Inc. (TX)

the company XXXX XXXX and XXXX called me twice before this year around XXXX, i did not get the person name as they asked for woman, however that don't apply to me and told them to remove my number from their list they said they would. today i had a missed call from XXXX when I called back I spoke to XXXX the receptionist as I did not know who called, advise they need to remove number she i cant i am just the receptionist told she works for them take it off. she then transferred and I spoke to a XXXX XXXX and immediately informed to remove my number and have before she we are looking for XXXX is the last i recalled told i have told yall before stop calling here and to remove my number she stated first of all you called me and you need to tone it down, i told her she was rude and i would placing a complaint with attorney general she said ok and then proceeded to hang up, when I hung I saw voicemail ( i don't have personal greeting ) with same number XXXX, hello we have an important message from XXXX XXXX and associates please call XXXX at XXXX extension XXXX thank you ''
Consumer complaint received 2022-11-17
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. (NC)

In a accordance with the fair credit reporting act XXXX  account 's that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 


15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX 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 2022-11-17
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. (MD)

EXPERIAN IS CONTINUING TO REPORT FALSE INFORMATION ON MY CREDIT REPORT. I ONLY HAVE ONE ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. ANY OTHER ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS. ANY OTHER ADDRESS IS INCORRECT AND NEED TO BE DELETED.
Consumer complaint received 2022-11-17
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. (TX)

I filed a complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This XXXX  is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}
Consumer complaint received 2022-11-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$800.00} XXXX  XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$330.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (MD)

To whom it may concern, My name is XXXX XXXX XXXX, A account was opened back in XXXX  with XXXX  XXXX XXXX that I did not open. When i contacted them over the phone they said they will not investigate the account because they already did in XXXX  but for a diffrent reason. I am a victim of Identity theft and i did nt open the account and they have failed to launch a investigation for the identity theft. They Specifficaly said " we will not be opening a investigation ''. I have attatched my police report for the companies investigation.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On behalf of company SCI for amount of {$990.00}. 
This debt showed up on my credit reports and has harmed my credit. 

1 ) I am not familiar with SCI 2 ) I have never transacted with SCI 3 ) I have never been contacted by SCI 4 ) I have never been contacted by XXXX XXXX XXXX ( debt collector ). They said they sent me a letter which was returned to sender. I highly suspect the debt/charge could be in my old last name ( though I have provided this collector with my correct current name so they might reference my current name if you inquire ). 
5 ) I am a previous victim of identity theft ( name, date of birth, social ) with people trying to open credit accounts 6 ) XXXX XXXX XXXX claims the debt is valid, but is unwilling to provide me with any verifying information 7 ) XXXX XXXX XXXX suggested I should just pay the debt to them to make it go away on my credit report. 
8 XXXX XXXX XXXX XXXX offered no other solution but said I could write them and provide information to dispute. But I don't even know what information to provide and I'm not sending a debt collector any of my personal information. 
9 ) I strongly believe the original charge from SCI was fraudulent and XXXX XXXX XXXX has picked up the debt and applied it erroneously to me. 
10 ) I've seen other complaints on XXXX about SCI and XXXX XXXX XXXX, exact same situation as mine 11 ) The three credit bureus rely on the debt collector to verify the debt is valid. But no one is willing to provide me with information showing the original charge details or help me prove the charge is not me. 
12 ) I can't even provide any documentation of the debt collection from collector or SCI because again, they've never contacted me ( even though collector says they sent a letter ). 
13 ) There are numerous numerous complaints online about XXXX XXXX XXXX as a scam
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

I applied for a refi loan at Flagstar Bank. I was supposed to get a 2.99 % rate that i locked in at, well the banking loan officers couldnt get it done in the time period they promised us they could. So we had to take the next best rate at the time. Which was 3.24 % Some how after the rate increase we were able to close on the loan no problems. Flagstar Bank insisted we have our morgage payments come out of a account with them on a automatic basis. So we opened a account for that purpose. 3 times out of six they didnt take the payment money from our account and insisted there was not enough money in the account to make the payment. Later we found out that the newly hired tellers were depositing our home payment money with a longer than normal hold on the deposit. Then our home taxes went up. Which increased our home payment. Flagstar failed at attempting to let us know of that change. So the latest attempt on paying our monthly home payment failed again. Also with no notice from Flagstar. So when i noticed the money still in the account, I went to the branch to find out what the problem was. That same day i added money to the account to make things right. And was assured things will be fine from here on out. Today i took another check up to pay the increase on my home taxes only to find out that Flagstar didnt accept my home payment again. after just addressing the issue at the branch 10 days prior. As they keep blaming us for all the flaws in there system. All the while incurring late fees that we did not deserve. And now they expect us to pay our mortgage with a certified Cashiers Check for the next 6 - 8 months as if it were our fault that their inexperience help couldnt do their job correctly. Flagstar totally dropped the ball from the begining and has done a horrible job ever since and will not even try to make it right with us as a customer.
Consumer complaint received 2022-11-17
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 number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

I filed a dispute as to the incorrect items on my credit report with XXXX, XXXX, and Eqifax, and it has been well over 30 days and I have not received any investigation results! 
According to the law 15 U.S. Code 1681i-Procedure in case of accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputedinformation, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period begining on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (PA)

my name is XXXX XXXX my daughter name is XXXX XXXX we had the same name into i was married my daughter have accounts that are on my credit file I asked the credit bureau to block these account and a investigation to be done these bureau refuse to do a investigation. I am a victim of identity theft and new account are still inserted on my credit file I haven't applied for a new account in three years but i still have new inquiries as well as new accounts please STOP this and hold these credit reporting agencies accountable.
Consumer complaint received 2022-11-17
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. (VA)

In accordance with the Fair Credit Reporting act collections account with XXXX  with account # 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 602 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (FL)

I SEND WITH REMITLY THE AMOUNT OF {$550.00} AND {$280.00} ON XX/XX/XXXX THE MONEY NEVER GET TO THE XXXXXXXX XXXX ACCOUNT ITS HAVE BEEN A MONTH AND NOT ANSWER FROM THEN AT AT ALL I HAVE MAKE SEVERALS CALL AND NOTHING BE RESOLVED
Consumer complaint received 2022-11-17
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)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (KY)

I called on XX/XX/2022 And asked for the balance of XXXX to be moved from my credit builder account to my checking account and was told that they would instead they closed my credit builder account and sent a check to a address that I was not living at for a year now I told them that I had no way of getting access to the address nor did I have access to the mobile app I told them my id was misplaced they then opened my credit builder account back up and have issued another check after telling me they were going to put the money immediately back in my credit builder this has been going on for 3 plus weeks and they keep telling me different stories everytime I call I told them that my car broke down and I was far away from home and I needed my money they are taunting my situation and I don't think it is funny I just want my money placed back into my account.
Consumer complaint received 2022-11-17
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. (WA)

This company is not updating my credit report. In XXXX my statement closed with a {$480.00} balance. I have not only paid of my balance every month since then, I have overpaid, and they are still reporting {$480.00}. Today Transunion reported that XXXX reported a {$480.00} balance on XX/XX/XXXX, but I have provided statements that show that this is incorrect. As a result, my credit score dropped almost XXXX points!
Consumer complaint received 2023-01-20
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 ACCOUNT MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, this account is not mine. The address reported in my file is not my legal address. 
XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022
Consumer complaint received 2023-01-20
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. (MD)

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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX