davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Remove CHAPTER XXXX BANKRUPTCY DISCHARGE : XXXX. This is not my bankruptcy, you've got the wrong person here.. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (GA)

My credit card with Barclay 's has been on automatic draft for several years with no problems until XX/XX/ when the bank double drafted my bank account. They took XXXX weeks before returning the {$190.00} monthly payment. Subsequently, I called and asked to be removed from the automatic draft payment program. Barclay 's sent me a letter stating my removal from the program, however they still drafted my account in XXXX. In addition, I paid the {$190.00} directly. So, once again they were double paid. After calling numerous times to no avail. Barclay 's refuses to return the extra {$190.00} or put the extra payment towards the balance. As I am typing this complaint, I am on the phone again with them. The representative stated the case number for Barclay 's is XXXX.
Consumer complaint received 2019-11-21
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: EQUIFAX, INC. (CA)

On XXXX XXXX, 2019 I found inquiries on my credit profile I do not recognize. The inquiries in question is from XXXX XXXX  Credit Card, and XXXX XXXX. I ask that you remove these inquiries immediately.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint against Experian for reporting an inaccurate address in the previous address section of my consumer report. Despite my prior dispute efforts, this incorrect address continues to appear on my report.According to the Fair Credit Reporting Act ( FCRA ), 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Experians continued reporting of this incorrect address, which I am not associated with, is a violation of this provision. Additionally, under 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete any data found to be inaccurate or unverifiable.To support my dispute, I will be providing copies of my state ID and a recent bank statement, which both reflect my correct and accurate address. The address currently listed in the previous address section of my consumer report is inaccurate and should be deleted immediately.
Consumer complaint received 2024-08-30
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. (TX)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-05-25
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. (MD)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Lending and Real Estate (CA)

I started through one of their loan officers to apply for a refi my primary residence in XX/XX/2019 They gave me an estimate of 2 months to close I have been sending and resending docs requested since XXXX and I havent heard from them since XXXX. 
I dont know if there are any possible docs they didnt ask for I worked with them 2 years ago on a purshase and they closed in 4 months.! 
Had I not known the seller I would have lost my deposit and lost teh. Deal This time I was promised that this will never happen again It was refi to cash out and I needed the money so I had 2 sell other properties to cash out that I didnt want to sell So please be careful that their delay or not performing can have very serious consequences I am not sure if you call This negligence or incompetence but for sure I will never deal with them again
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to report a distressing incident of identity theft that has been ongoing since XXXX, which has resulted in significant financial loss and damage to my credit. Despite my best efforts, I have been unable to successfully rectify the situation due to the relentless actions of the perpetrators, who continue to exploit my personal information for their own gain. 
Recently, I experienced another setback when my gym bag was stolen, containing my wallet and cell phone. The individual responsible for this theft has not only gained access to my personal information but has also compromised my bank account. Substantial funds were withdrawn without my authorization, leaving me in a precarious financial situation. 
Furthermore, I have discovered numerous unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, indicating that the thief has been attempting to secure additional lines of credit and loans using my identity. These inquiries and accounts have severely impacted my XXXX XXXX more then XXXX points and have the potential to further complicate my financial stability. 
In addition to the aforementioned incidents, the thief has exploited my personal contact information, including my cell phone number, email address, and home address. They have even gone as far as using my photo ID, which was unfortunately stored in my stolen wallet. Additionally, my wallet contained not only my own Social Security card and ID but also my XXXX XXXX XXXX daughter 's Social Security card ( XXXX XXXX XXXX ), credit cards, and bank cards. 
Given the severity of these circumstances, I have closed my compromised bank account and establish a new one, Furthermore, I have cancel my debit and credit cards. 
I kindly request your urgent assistance and thorough investigation into this matter. I have already contacted XXXX XXXX Texas law enforcement twice once when I first found out that was a victim of identity theft in XXXX see report RE : XXXX and RE : XXXX. This report serves as an official statement regarding the ongoing identity theft, fraudulent activities, compromised bank account, and fraudulent inquiries and accounts in my credit report, along with fraudulent use of my social security number, ID, home address, email address and phone number. 
I deeply appreciate your understanding, support, and expeditious attention during this distressing time. If there are any updates or further information required, please do not hesitate to reach out to me. 
Thank you for your prompt action in addressing this matter.
Consumer complaint received 2019-08-12
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. (TX)

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX  XXXX XXXX, XXXX XXXX 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 2019-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

I was in XXXX XXXX XXXX XX/XX/2019 for vacation. I used my debit card to pay for a car rental from XXXX XXXX car rental service. A month later, on XX/XX/XXXX, this company charged me {$1700.00} with no explanation. I did not authorize this charge. I filed a dispute with my bank the next day, which my bank said they will investigate. They denied my dispute. I did not authorize this charge, nor do I know what this charge is for. This company charged me weeks after I already left XXXX with no notice or explanation.
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (TX)

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by 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 2019-08-12
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. (GA)

one of the people who XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the XXXX  and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being homeless and mental distress All three credit bureaus have receipts of payment made prior to XXXX  but still have not removed.
Consumer complaint received 2019-08-12
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: WELLS FARGO & COMPANY (MD)

I obtain a Mortgage with wells Fargo in XXXX. In XXXX of XXXX they sold the Mortgage to another Mortgage company. But before doing so they reported a late payment on my credit report for the month of XX/XX/XXXX. I have never been late on my Mortgage payments. I have reached out to them on multiple occasions but continuously hear that my late payment is valid. It is not!!! I sent an email to XXXX on XX/XX/XXXX. They still have not corrected this error.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint regarding the inaccurate information on my credit report held by Experian. On XX/XX/XXXX, I contacted Experian concerning the following incorrect information on my credit report, and as of this date, they have not responded. I am seeking to rectify these inaccuracies and request your assistance in this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is not mine, and I request its immediate removal from my credit report. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} The balance provided for this account is incorrect and has caused significant harm to my credit reputation. I recall a lower balance on this account. I request that your agency revises the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This erroneous account has likely negatively impacted my credit score. I urgently need to reach an agreement with my creditor regarding the incorrect data. I kindly request that your agency marks this account as disputed to prevent further damage to my credit score. 


Account Name : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$35000.00} This account is not mine, and I request its immediate removal from my credit report.
Consumer complaint received 2023-11-08
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2019-08-13
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. (NV)

AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.
IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.


XXXXXXXXXXXX,XXXXXXXXXXXXandXXXXXXXX
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX They closed the account and reported that I paid late. If you see the screen shot I have paid them the majority of the time the account was open on time.
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following companies ran unauthorized credit report on me, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.. I have never given permission for them to inquire my credit status, please remove it from my Transunion credit report
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Dear Sir/Madam, I am writing to formally dispute information on my credit report that I believe is a result of identity theft. I have attached a copy of the police report filed for this incident, which details the unauthorized access and use of my personal information.

According to my credit report, there are several accounts that I have not authorized or opened, and I request that you investigate and correct the inaccuracies in my report as per the Fair Credit Reporting Act ( FCRA ).

The following unauthorized accounts have been listed on my credit report : XXXX Account : Account Number XXXXXXXX XXXX XXXX XXXX Account : Account Number XXXXXXXX XXXX XXXX  Account : Account Number XXXX I dispute the accuracy and legitimacy of these accounts, as I have never authorized or had any dealings with the aforementioned companies. Therefore, I am not responsible for any debts associated with these accounts.

Under the FCRA, I kindly request that you : Conduct a thorough investigation into these accounts.

Provide me with the results of your investigation.

Remove the disputed accounts from my credit report if they are found to be inaccurate or unauthorized.

Correct any inaccurate information on my credit report.

I also want to bring to your attention the Fair Debt Collection Practices Act ( FDCPA ). If any debt collector is associated with these unauthorized accounts, they should cease any collection activities until the dispute is resolved.

Please provide a written response within 30 days as per FCRA guidelines. If the investigation is not completed within this timeframe, please notify me of the delay.

I appreciate your prompt attention to this matter and the correction of my credit report. If necessary, I am prepared to take further legal action to protect my rights.

Please remove or delete I can't purchase a home for me and my XXXX. I'm a XXXX mother that need assistance.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to bring to your attention a matter regarding my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following inaccurate information on my credit report. To this date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections below : The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$390.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Please remove it from my credit report.
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

XXXX XXXX had debt on my credit report submitted validation letter plus XXXX complaint finally got the XXXX XXXX off my report now I get alert that XXXX XXXX XXXX is on my report for XXXX XXXX never once did they send me anything I dont even know who that company is Im also in Ohio where they arent able to collect without license the XXXX account was for {$610.00} would like for this to come off my credit report since I thought it was off already since origanl debt couldnt validate it