davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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)

XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$200.00} XXXX XXXXXXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$500.00} XXXX, XXXX XXXX XXXX a victim of identity theft I have never applied for any loan with XXXX XXXX or XXXX XXXX. I did not apply for any accounts with XXXX XXXX BANK. These are fraudulent accounts and the inquires from XXXX, XXXX XXXXXXXX XXXX XXXX XXXX are fraudulent as well and I have never applied for them. I never lived at XXXX XXXX XXXX XXXX, XXXX and I never lived at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I never applied for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. This is effecting my financial livelihood and preventing me from having financial stability. These fraudulent accounts listed and inquires needs to be removed from any and all credit reporting agencies who is reporting these fraudulent accounts on my credit report immediately
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: EQUIFAX, INC. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-04-23
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. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the XXXX  data breach & i have filed my claims accordingly i have been attempting to clear credit  report of these fraudulent items Experian Report Number XXXX XXXX File Number:XXXX XXXX File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2024-09-11
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. (HI)

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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-15
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. (MO)

I have sent disputed documents in XXXX, XXXX  and XX/XX/XXXX to all three credit burueas XXXX, Experian and XXXX disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!
Consumer complaint received 2023-09-28
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-09-11
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. (LA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX CT GA XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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 XXXX years. 

XXXX XXXX. XXXX ( 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 2023-09-28
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

Account Name : XXXX Account Number : XXXX and 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 2023-08-10
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C , 1681section 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 : 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 2019-01-15
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: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

Helvey and Associates are a collection agency claiming to have had a XXXX XXXX account referred to them for collections. They claim the date the account with XXXX XXXX first became dilinquint XX/XX/2015, and reported XX/XX/2015. The last XXXX XXXX account held in my name ended XX/XX/2015, and had been closed by myself, in good standing, knowing of my planned moving from that residence. When this account was first noticed on my credit report file, I began disputing the account, calling all 3 credit reporting agencies multiple times, and told to contact the original creditor, which I did. XXXX XXXX confirmed what was already known ; that my account was closed, in good standing, and the date it had been closed. When I informed them of the problem I had, and the inaccurate reporting, they had told me they could do nothing as they were not the ones reporting the information, they could not control what had reported, or continued to do so. I was told to dispute the account and XXXX XXXX could then report the account was in good standing and had never been sent to collections. Over the course of the last 2.5 years I have repeatedly disputed this account, and although I have never received a billing statement from XXXX XXXX or Helvey and Associates, or any proof of debt validation, the account continues to report as a very derogatory open collection account, and has very unfairly contributed to my inability to obtain loans, a mortgage, or credit in my own name. I do not know what else to do regarding this account and ask for help from the CFPB. I have recently submitted written request for method of verification of this account and have received nothing, as well as no response whatsoever from XXXX. The letters were sent by certified mail with signature request, and can be shown the dates and times they had arrived to the credit bureaus. It has been 15 days since receipt of these requests, and by law the account was to be deleted from my credit report file as a result, but still has not. I can not obtain a business loan or a mortgage until this or another inaccurate account has been deleted due to multiple inaccuracies, among other reasons. Hopefully with intervention from the CFPB, action will now be taken by the credit reporting agencies.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I spoke on the phone with XXXX from your Billing Dispute department from Kentucky on XX/XX/19, and she opened the dispute ( XXXX ) because she mentioned that the correct reason for this dispute is that I have not received my order. Up to this day I do not have any merchandize and I lost {$3700.00} so I am left with nothing.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
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. (IL)

I am asking for your assistance regarding this incorrect account showing on my credit report. This issue has affected my reputation, and I need your help. Your mishandling of my credit report has caused significant harm due to the false reporting. You must eliminate this incorrect information from my report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
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. (IL)

Im requesting your assistance with the incorrect account reflected on my credit report. It has damaged my reputation, and I need you to help fix this situation. Your incorrect reporting has caused me considerable distress, and you need to clear this inaccurate information from my record
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (KY)

First, I financed through XXXX XXXX XXXX at a XXXX doctor and signed documents which stated the monthly payment of {$150.00} with 12 months of no interest financing. The statements say 6 months no interest financing and a payment of $ XXXX   monthly. I attempted to resolve this, I was told while it was being investigated they would not collect payment or charge late fees, but they have both. I even emailed the original paperwork with no results yet. 
Next, XXXX XXXX begins harassing me requesting the full amount of the card balance be paid and would not accept a monthly payment. 
XXXX XXXX continues to call and harass me, my wife and now my father, who they have also given specific information regarding the debt to. They told my father the amount of months past due, the total amount due and that the debt was for a XXXX   procedure. This is not only a violation of the FDCPA, but also a HIPPA violation.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/year> my credit card company XXXXXXXX XXXX XXXX reported my credit card account ending XXXX to all three credit agencies. Only one credit agency which is XXXX is the only one thats reporting. Im having issues with Equifax and XXXX to report my credit card account on my report. I reached out to not credit agencies on numerous occasions.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (CA)

On Friday XX/XX/XXXX at approximately XXXX XXXX time I spoke with XXXX XXXX at IQ Data in regards to my account. 

During our conversation as I asked more questions for clarity, she told me I was refusing to pay after I stated several times that I would continue to make my payments by the XXXX, but just did not know the amount yet. 

I asked if I could call back by the end of the month prior to my due date to confirm a payment. 

When I said this she launched into derogatory dialogue, indicating that I owed them {$6000.00} ; previous representatives indicated that my bill was only {$3000.00} ; and continued to used abusive language as she berated me and was verbally abusive. After XXXX 's abusive language ended she stated " I am noting your account as refusal to pay '' and ended the call. 

I have been paying on this account for close to a year ( over {$1000.00} has been paid to date ), but due to lack of work I was seeking to understand what a minimal payment would be for this month of XX/XX/2023. 

Lastly, when I asked if I could receive information in writing XXXX XXXX said " No, this is not something they do ''. 

I believe this collection company has violated my rights under 15 USC 1681. And I believe should be removed from all of my credit reports. 

IQ DATA 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 : 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 2024-08-13
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: EQUIFAX, INC. (CA)

I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-13
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. (PA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.