davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-19
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, NYXXXX XXXXXXXX XXXX XXXX  XXXX , NYXXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
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. (PA)

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : Account # N/A, Account name XXXX XXXX : Account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # IQDOSTXXXXXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (CO)

I have almost perfect credit with score being XXXX to XXXX depending on which agency you pull from 3 credit bureau. I check my credit score monthly to see how my credit score changes and keep up with excellent credit rating. Last month I see my credit score dip XXXX points all of sudden and I found out there is a utility collection from a company named " L.J. ROSS & ASSOCIATES '' L J ROSS, XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone : XXXX XXXX XXXX XXXX for amount of {$130.00} on XX/XX/XXXX reported, XX/XX/XXXX assigned This collection showed up on my XXXX and XXXX credit bureau . XXXX has removed and deleted this items from my credit report which I have proof of but XXXX credit bureau has not, telling me that they have verified this collection is mine. I might be a victim of identity theft or a fraud. I have lived in Colorado since XXXX and have paid utility bill through XXXX XXXX on auto pay for so long as to I don't even remember.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX
Consumer complaint received 2023-07-19
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. (AL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (AL)

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-10
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. (AZ)

I dont recognize these credit inquiries and I had ask the 3 credit bureau to fixs it and they did not. 
I had submitted and identified theft report my reference number is XXXX
Consumer complaint received 2024-08-10
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. (AZ)

I dont recognize these credit inquiries and I had ask the XXXX credit bureau XXXX fixs it and they did not. 
I had submitted and identified theft report my reference number is XXXX
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Money was sent from Chase bank to XXXX to make a payment on a XXXX credit card using Chase online bill pay services. The payment was sent on XX/XX/XXXX in the amount of XXXXXXXX XXXX and XX/XX/XXXX in the amount of XXXX XXXX The payments made did not go to the correct account number at XXXX and they claim that the money was sent back to Chase on the day it was received. Chase claims that they have never received the money back and it has not been deposited into my account. I have spent 20 plus hours dealing with both companies and neither of them can tell me where my money is at. XXXX is claiming that it could be the third party processor of chase that has the money but again Chase does not have the money.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-10-20
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C. (NY)

Fein Such and Crane debt collection attorneys are trying to foreclose on my home illegally. They have not provided any copies I have repeatedly requested over the past 6 going on 7 yrs they have filed papers foreclosing with XXXX XXXX XXXX as owning the note which they dont. They have failed to produce the note as requested
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (WI)

XX/XX/XXXX th I received a call from caller restricted, and I thought it was the police so I answered it ended up being Midland credit management a debt collection agency. I had XXXX person talking to me about my debt, and then another person who claims she was A XXXX jumped on the call because I was in pre-legal status, and they wanted her on the call because it was serious. She continued to threaten that my credit would be harmed that I would be sued despite my saying that I had a XXXX  XXXX, who was requesting physical proof that I owe this debt before he negotiated, she proceeded to continue to threaten, harass and argue with me and claim that they sent XXXX letters through the USPS that I have not received. She asked me what I wanted them to do because I have not received letters they sent that is not on me that is on the debt collection agency to provide the burden of proof that I owe them this debt. She continued to threaten to sue me for my supplemental security income and my student loans both of which are untouchable cuz I know my rights due to my XXXX  XXXX informing me that those sources are legally untouchable and I told her as much and then she proceeded to start to tell me you know what so I immediately ended the conversation by telling her all future contact will need to go through my XXXX  XXXX and my XXXX  XXXX has said there will be no future contact if they can not provide physical proof I owe this debt which they have failed to do so to date. I am not responsible for the usps failure to deliver their letters if they actually mailed them. It is not on me to provide my own proof of debt when I specifically requested the company provide physical proof I owe this debt at the request of my XXXX XXXX. My old XXXX XXXX also received a call a month ago from midland credit management threatening to sue over debt but they never identified the client they were calling about but she informed all her previous clients she knew may have debt due to pandemic issues. Please investigate midland credit management for harassment, threats of lawsuit, or seizing bank accounts of people who receive supplemental security, income and student loans and threats of credit harm when refusing to provide physical proof to the client, they owed the debt at the request of the clients s XXXX XXXX. I refuse to be bullied by debt collectors trying to take advantage of people with XXXX and not follow laws laid out for debt collectors.
Consumer complaint received 2023-07-19
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: Rozlin Financial Group, Inc. (FL)

XXXX XXXX XXXX applied a balance on my credit report of XXXX on XX/XX/XXXX, For a company call XXXX XXXX XXXX... last reported on XX/XX/XXXX
Consumer complaint received 2023-07-14
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/XXXX DEPT OF EDUACTIONXXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc. (OK)

I have a personal loan with upstart.com. I paid all of my monthly payments on time except for this situation. At the end of XXXX, I sent an email that the agency I work for had a payroll issue that deleted me from the system. I did not get a paycheck for 30 days. Meaning I did not get paid until XXXX. This means I was not able to pay any of my bills during that time. I reported this to everyone I make payments to Upstart would send me emails saying they did not recognize my email. Then they sent my info to collections and said a third party is handling it. I then set up for payment to be made in XXXX and it said the payment had to be made before they would take it out of collections. Now today XX/XX/2023 after they said it was sent to collections last month they have reported me as two months late. They dropped my credit score by XXXX points. Which has placed me in poor credit status. They also dropped my credit score by XXXX plus points when they sent it to collections. So now they have dropped my score XXXX points. I reported to them my issue and they did not reach out once to try and work with me on this issue. Not one time. This is wrong and needs to be addressed.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, there were two charges made on my credit card via XXXX XXXX that I did not make or authorize. I was traveling to XXXX XXXX from XXXX XXXX XXXX where I live, which is where the charges were made. I received an automated text message from Wells Fargo on XX/XX/XXXX with whom I bank and have my credit card through alerting me to possible fraud. I acknowledged the text message with a " Y '' and called Wells Fargo on XX/XX/XXXX when I saw that the two charges were on my credit card statement and noticed that I no longer had my credit card and that it had been compromised. On XX/XX/XXXX Wells Fargo canceled my credit card, credited the balance to my account, and sent me a new credit card. In XX/XX/XXXX, I noticed that the fraud charges were placed back on my account. I called Wells Fargo and they told me that they found the charges to be valid because I authorized the charges when I responded to their automated text on XX/XX/XXXX with a " Y ''. I explained to them that I did not realize I was authorizing any charges, and that I was acknowledging their message. I asked to have the claim reopened and that I could submit documentation showing that the credit card used to make those charges was never associated or linked to an XXXX XXXX account. I submitted the documentation via mail after multiple failed attempts from my local Wells Fargo branch to fax the documentation with the fax numbers provided. Wells Fargo again denied my claim despite me showing that I did not have an XXXX XXXX account. They were never able to identify or get in touch with the two merchants to whom the charges were made. The two charges were : XXXX XXXX XXXX XXXX CA for {$450.00} and XXXX XXXX XXXX XXXX CA for {$85.00}. Wells Fargo told me that because I have other charges from XXXX XXXX XXXX XXXX XXXX XXXX CA that I must have known the first merchant. I explained to them that XXXX XXXX  is a local coffee shop here in XXXX XXXX XXXX, and that they do not have a location outside of XXXX XXXX XXXX and that it is not the same as the merchant that {$450.00} went to. I have asked Wells Fargo to reopen the case three times and each time they denied it for the same reason. I am not responsible for both of the charges that I did not make despite me never having had an XXXX XXXX account linked to the compromised card, AND my card not being in my possession at the time. Thank you.