davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-11
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. (AZ)

The account is fraudulent. It was opened/used without my permission. I talked to the bank and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. This account is reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 

XXXX  XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} BEST XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (PA)

I have applied for a loan with PNC Bank on several occasions each time being denied. In XXXX I filed for XXXX, the process took XXXX  months and part of my approval was that they eliminated all back pay a {$30000.00} which I was hoping for to pay back the people who helped me through that, I am doing the best I can at that. I am ill and could not work so a credit card for {$1200.00}, and a cable bill for {$310.00} went to collections, I just didn't have any income but I had no other bills at the time either. That scenario dropped my credit score to XXXX, in XXXX I began receiving my XXXX  XXXX, I immediately contacted the XXXX  XXXX and even though the account was closed they allowed me to set up a payment plan and I paid it back in full, I also called the cable bill holder and made the lump sum of {$310.00} and it is paid off in full, since XX/XX/XXXX I have raised my score to XXXX and have made all payments on time yet I have been denied for serious delinquency too many applications in to short of a time ( I need a loan, of course I am going to apply ) I spoke with a loan officer who told me that the amount of {$5000.00} and my credit history made me much too big of a risk for them to take. So my complaint with that is, they have a disclaimer about the fair credit act and how they have strict rules of non-discrimination and maybe they do, they also say they are going to check your credit report and obviously they do but why is it that their denial is within XXXX seconds from submitting while your still on the site and there is a generated email sent out as well, that is a lot to do in XXXX seconds when considering a loan, making sure the person is eligible and adhere to the fair credit act and I am not exaggerating thew XXXX seconds, that is how fast i was declined several times with them. It's obvious that it's XXXX  XXXX  but that shouldn't be accepted if they are really trying to help people, they should at least look at the report to see that the companies removed those negative hits and understand that 22 months is a long time to not have a paycheck, I worked XXXX  years before getting XXXX, I've paid my taxes and adhered to the law my entire life, I think I deserve more than XXXX seconds from XXXX XXXX, this is the XXXX, XXXX XXXX that took over {$7.00} XXXX XXXX  in bailouts from my taxes yet they can not risk {$5000.00} on me with a XXXX XXXX XXXX? They needed {$7.00} XXXX to fix their financial misgivings and took money from me without permission and I am the RISK in this equation? They should be ashamed of that online process and I know they don't adhere to the fair credit act, not in XXXX XXXX.
Consumer complaint received 2024-10-01
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. (NY)

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (MI)

IQ Data International contacted me about this debt owed to XXXX XXXX Apartments in XXXX Oklahoma. The collector advised me to get a personal loan or a title loan against my car to pay the amount owed. I stated I was not aware of any balance owed as I moved out of this apartment on XX/XX/2020. IQ Data then called and told me I had until XXXX pm that day to call back and provide a solution. I was able to research this issue and have provided documents supporting the case that went to court and the dismissal. I have made several calls to XXXX XXXX XXXX and left messages for return calls. They have a new management company and may not be aware of this case. This issue had been resolved and I want this removed from my credit report.
Consumer complaint received 2024-09-28
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. (NY)

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-29
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. (MA)

I looked at a copy of my credit report and noticed several inaccuracies on my report. 
these accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the items Iam asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-10-01
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)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX and XXXX 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 XXXX 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 2024-09-30
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. (AL)

I did not authorize these accounts, please investigate credit report and remove these accounts.

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from EQUIFAX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. It is illegal to report duplicates of the same accounts, please remove these accounts from my credit report.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

Dear FTC, I am writing to file a formal complaint against Resurgence Acquisition, a debt collection agency that has engaged in unethical and illegal practices. 

On XX/XX/year>, I discovered that Resurgence Acquisition had reported a debt to XXXX under the name LVNV Funding that had already been removed from my credit report. This action has caused significant distress and potential harm to my credit score. The account is inaccurately shown as opened on XX/XX/scrub> XXXX XXXX 

Despite the debt being properly removed, Resurgence Acquisition has continued to pursue collection efforts, which is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also an act of harassment. This action is also in direct violation of 15 U.S.C. 1692g, which mandates that debt collectors must provide proper validation and verification of the debt upon request. Additionally, the name of the company shown in my credit file ( LVNV Funding ) is different from the debt collector contacting me ( Resurgence Acquisition ), which is a violation of Section 808 of the Fair Debt Collection Practices Act. 

I request an immediate investigation into this matter and appropriate action against Resurgence Acquisition to prevent further harm to my credit and personal well-being. 

Thank you for your attention to this serious issue.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I made a total of XXXX wire transfers in about a XXXX to XXXX months span I received a refund for {$12000.00} from XXXX of my transfers my other XXXX transfers I have not received any money from it a total of {$150000.00} I have not received back I need help of returning this money this is my whole life savings
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 


Items that need to be disputed : XXXX For FTC Letter XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  For FTC Letter XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX  For FTC Letter XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed
Consumer complaint received 2024-10-02
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. (MD)

My personal credit reports are being impacted due to the following accounts being improperly reported in my private reports without my consent. I have sent letters to the bureaus/reporting agency with no response. These accounts are negatively affecting my ability to be a free consumer and apply for credit on my personal behalf. 

Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXXT, Account # XXXX, Amount : {$XXXX} Account : XXXX  XXXX XXXX, Account XXXX XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX XXXX Amount ; {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX XXXX, Account # XXXX, Amount : {$XXXX} Account : XXXX, Account # XXXX, Amount : {$XXXX}
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a message from credit karma re a " hard check '' done by XXXX XXXX - which is a credit card issuing company from XXXX XXXX. I have NEVER had anything to do with XXXX XXXX  or XXXX XXXX and never will. I called XXXX XXXX and got nowhere. In addition XXXX XXXX found nothing in my name but requested a lot of added information which they should not have done. Upon calling XXXX XXXX  directly I was connected to XXXX XXXX It was time to report both the XXXX XXXX  and its subsidiary XXXX XXXX. Apparently they are involved in some type of fraud with their XXXX - XXXX XXXX.