davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

THIS COLLECTION 3RD PARTY IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORTS WITH THE CREDIT BUREAUS.THE INFORMATION THAT THIS 3RD PARTY COLLECTION AGENCY IS REPORTING IS NOT CORRECT AND INACCURATE AND MUST BE DELETED IMMEDIATELY.HOW MUCH DID THE COLLECTION COMPANY PAY FOR THIS INACCURATE ITEMS THEY ARE REPORTING IS UNKNOWN AND NEITHER DOES MY CREDIT REPORTS REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OR COMPLETE. SINCE I DO NOT KNOW ANYTHING ABOUT XXXX XXXX XXXX, THEY MUST DELETE THIS IMMEDIATELY!!
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX ( Capital XXXX, account # XXXX ) In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please provide the info i request on attach and respond by CFPB to get proof
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per FCRA 15USC 6802-6805 and The Privacy Act of 1974. My rights as a consumer has been violated I never gave XXXX or anyone for that matter permission written, unwritten, verbal or nonverbal consent to share my information with anyone so please delete/remove and opt me out of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I have ONLY ONE NAME, ADDRESS, and Cellular Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX All other listed Addresses and Phone numbers are Non-Mailable, and/or Non-Reachable please delete as well. 

All of this information was shared via a third party. Also TransUnion have me blocked from obtaining my credit report online I never opted out of this they just denied me my rights to do so. I feel this is a stall tactic to keep me from disputing the reporting information from my credit report. Please see screenshots for more details.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-18
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. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my Transunion credit report. Despite my repeated attempts to have these accounts removed, they presist, causing significant damage to my financial reputation adn well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissibile purpose to explicit consent. Please see attached file for these items I am complaining about.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the presence of an incorrect address on my TransUnion credit report. The address listed as XXXX XXXX XXXX XXXX, XXXX, GA XXXX, is not mine, and I have never resided at or had any affiliation with this location.The inclusion of this inaccurate address violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), which mandates that credit reporting agencies ensure the accuracy of the information they report. The presence of this incorrect address could potentially expose me to identity theft risks and other forms of financial harm. I request that TransUnion immediately investigate this matter and remove the incorrect address from my credit report. Please confirm that this erroneous information has been permanently deleted from my file. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX I received a text from chase that there was a transaction was going to b e done of {$1500.00} and {$500.00} from my account, I called immediately and ask them to close my account and not transfer because it was not me that doing any transaction, they suspended for a while but they released the money, when I call back to ask when I getting a new card and the money back, they told me to wait 8 to 10 working days, because there is an investigation on that case, when I did not anything in 2 weeks I called back they said to wait 2 more week for that investigation, every time when I called they said the called was recorded but they refused to give the name or Id for the person that I was talking to. on XX/XX/XXXX I got a letter from them saying that they did not see any fraud and because it was deducted from my account, they closed the case. Please I need to get my money back and get those persons who did this fraud, I have no idea who got the money and they refused to give me any findings about their investigation if they did any.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not XXXX  % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

Hello, My wires keep being rejected and the phone service is not helpful. We are trying to pay for a medical treatment from a trusted vendor we know.

Dates and Info : Ref # : XXXX XX/XX/year> and XXXX and XX/XX/year> and XXXX and XX/XX/year> 2024
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Thank you for taking the time to read this complaint. I'm sure you have many complaints sent to you, so I'll try to make this brief. I attempted to dispute a 30-day late payment on my mortgage that I don't believe is really my fault with XXXX, XXXX, and Trans Union back on XX/XX/XXXX. I never heard anything from any of the companies. I figured maybe the mail got lost or something. 

On XX/XX/XXXX, I try again, only this time I send them in certified to keep track of the mail. I also sent it certified as I sent a copy of my license and my social security card, and I wanted to make sure my info got to its destination safely. This time I got a response very fast. Unfortunately, it was just notices saying they wanted me to send them more info or that the companies don't think it was sent by me or an authorized representative. 

I don't know what's going on, but I was under the impression credit bureaus were obligated to ensure my credit report was accurate upon request. Why am I having to wait more than 4 months to simply be told something along the lines of " we don't think this is from you, so we aren't doing anything. '' I'm not about to waste time or money sending them a third notice so they can do what I asked them to do back in XXXX. They need to investigate the XXXX XXXX account as I do not believe the 30-day late payment is correct or that it is my fault. Please help me to obtain an investigation on this matter promptly.
Consumer complaint received 2024-08-18
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. (CA)

I want to dispute an error on my credit report. The TRANSUNION the agency XXXX XXXX XXXX, put me in collection that reflects on my XXXX credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX a proof of residency. My problem started when I purchased a home located in XXXX XXXX XXXX, XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my name fraudulent, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Traansunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXX XXXX  XXXX XXXX, SCXXXX XXXX XXXX  XXXX, SCXXXX These are the accounts in my name that stems from the identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A copy of an FTC report listing the ACCOUNTS, ADDRESSES AND INQUIRIES opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses and inquiries. The aforementioned inquiries and addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission and also a Police Report from the XXXXXXXX XXXX XXXX demonstrating that the Addresses, Accounts and Inquiries listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-08-18
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and most recent data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and immediately!!!
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

When I went to repay my loans, I was not properly informed about income driven repayment options. Navient told me I had to enter into a forbearance and combine my loans in order for me to have extended time ( 30 days ) to submit my application for an income driven repayment plan. They said I could not enter into an IDRP without combining these loans and told me the interest rates would go up to market rate. I was told I had no other choice. This caused my interest rate to increase substantially. Almost everything I have paid to date has only gone towards the high interest on my loans. I have since learned that everything Navient told me was a lie, and now Im stuck with an interest rate thats substantially higher than what I agreed to when I borrowed.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the presence of an incorrect address on my TransUnion credit report. The address listed as XXXX XXXX XXXX XXXX, XXXX, GA XXXX, is not mine, and I have never resided at or had any affiliation with this location. The inclusion of this inaccurate address is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S. Code 1681i ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. The presence of this incorrect address could potentially expose me to identity theft risks and other forms of financial harm. I request that TransUnion immediately investigate this matter and remove the incorrect address from my credit report. Please confirm that this erroneous information has been permanently deleted from my file. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-19
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Request for debt validation, purchase agreement from the original creditor, cancellation of debt from the original creditor, chain of title, when the last payment was received and if there was any judgement or if the statue of limitations has expired has not been received.
Consumer complaint received 2024-08-19
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-25
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)

You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be verified or removed immediately. The following laws also applies to these accounts : 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE, 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Therefore, the following accounts are inaccurate : 1 - Name : XXXX XXXX  Delaware Account Number : XXXX
Consumer complaint received 2017-06-21
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. (GA)

On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to XXXX, and Equifax on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.