davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was never late on my car loan, I was involved in accident and waiting insurance to pay the dept. unfortunately in my credit report there was a late which is not my responsibility at this time. Ive contacted to XXXX XXXX services and they agreed that its an error and they suggested me to dispute the error with credit bro companies. 
This was on XX/XX/year> The amount XXXX XXXX monthly payment wich went late because I had no control at that time and we all were waiting for insurance to finalize and pay!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft and a victim of the XXXX XXXX XXXX. I have noticed some unauthorized accounts on my credit report that I have not benefited from. Also, I have oldstudent loans still showing up, even those that I have made payment arrangements with, that are hurting my scores tremendously. I need these NEGATIVE AND FRAUDULENT accounts removed IMMEDIATELY!
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The account list below 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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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 2024-09-14
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. (TX)

There are new hard inquiries showing on my credit profile that I did not initiate or give my consent to. Those inquiries include but are not limited to the following companies. 


XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2020-11-16
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. (MA)

I supplied Experian with the email that confirms that I had autopay in place and that XXXX XXXX is responsible. I have also contacted XXXX XXXX and they have not corrected their error. Experian continues to side with XXXX XXXX because " the company certified the information is accurate '', which is contrary to the evidence I provided.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

Through XXXX I obtained my Experian and XXXX Reports, but then XXXX refused to provide their report to me and made me call their call center. After several attempts I got through to their call center and they immediately began trying to sell me a subscription and to sign up for their company 's service directly to get my credit report instead of providing it free through XXXX as required by federal law. 

They are now running a scam, whereby they refuse to provide the report as mandated by law, forcing you to call their customer service number, which is a call center in XXXX or XXXX where you can hear all the other people on the phone in the background. They then attempt to sell you a subscription or to get you to sign up directly for their service, by-passing XXXX 

I spent a half hour on the phone, provided a tremendous amount of information, and they still wouldn't unfreeze my access. They did provide me with a CS phone number for XXXX, but it only has 3 options and none of them are to speak to a person for help. 

I want them punished for this scam, and I want access to my report digitally through XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For several months, my credit report has been showing an inaccurate bankruptcy record, which I have disputed multiple times. Two bureaus have already removed the report of this bankruptcy. Furthermore, the court responded that this bankruptcy was not reported to the credit bureaus. I am filing this complaint, stating that TransUnion is violating the provisions established under the FCRA, as it is the only bureau providing information about these public records, thus participating in the violation of 15 USC 1681e ( b ).
Consumer complaint received 2024-08-27
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number # XXXX Please update- All New Reporting Information to- paid as agreed and current 4. These following address are errors never lived there XXXX XXXX XXXX XXXX, Georgia XXXXXXXX Please remove it from my credit report. 

5. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX GA XXXX Please remove it from my credit report. 

6. These following address are errors never lived there XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ga XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-04
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. (AL)

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2024-08-27
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. (PA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-10-04
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. (AL)

Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

I have over XXXX in student loans. I applied for the federal loan forgiveness program as I work at a non for profit hospital. Fed Loan Servicing is who I have been working with. They informed me that I had to consolidate my loans in order to get approved for the program ; which they did. I paid my affordable payment religiously for over a year. I was notified that my payment was going from XXXX to XXXX all of a sudden because they said someone caught a mistake that was made in my consolidation that could not be reversed. They stated that the parent plus loans I received for my son were included in the consolidation and disqualified me from being able to have my discounted payment. Now someone who was paying on time every single month working towards the goal of loan forgiveness can now not pay a dime. Everyone loses. My husband passed in 2014 and I am a single income home now. A payment that large is nearly all of one of the only two checks I receive a month. All this over someone 's XXXX up that had nothing to do with me..
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Transaction issue — 
Company: Bread Financial Holdings, Inc. (MA)

This is in regard to Comenity Capital Bank of XXXX, MD, dba PayPal Credit. I was approved for a PayPal Credit ( revolving credit line ) account a couple weeks ago. Each time I have attempted to use my account for a purchase online, it has been denied, which requires a phone call to them. I have spoke to them 9 times now, each time about 30 minutes. Every time they tell me there is some kind of security flag on my account. About half the time they are able to verify my identity using public records, and then the transaction will go through. The rest of the time, they just tell me I have to " wait '' ( no time specified ) because there is nothing they can do to over ride their computer system. Neither of these is an acceptable business practice. What use is a line of credit if you can not use it? No one can tell me exactly what is flagging my account. Regardless, they have verified my identity so many times, and using so many methods, that they should know my entire life history at this point. No one can seem to permanently remove this flag due to it all being computerized, and no one can permanently over ride their over-zealous computer system. And while most of the reps I have dealt with have been friendly and empathetic, no one can resolve the issue. I need this resolved permanently so I can confidently use my approved line of credit during travel and for other purposes. Right now, it 's a shot in the dark each time, and only half the time they have been successful in temporarily resolving the issue. There has go to be someone further up the food chain who can keep these flags from showing up on my account.
Consumer complaint received 2023-11-08
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: Resurgent Capital Services L.P. (AR)

Trying to collect on account that I have no knowledge of I never done business with this company XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-02
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)

To my shock, I found wrong accounts on my credit report this morning, and Im at a loss for how this happened. I check my report as a routine, but this time, random discrepancies showed up. I even refreshed my browser to see if it was an error, but they stayed. Im asking for a full review of the documents Ive provided so I can be free of this concern for good.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

According to 15 USC 1681e ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681e ( b ). This account is closed. I would like to have it investigated and removed completely from all three credit agencies.
Consumer complaint received 2024-09-14
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. (NC)

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 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 2024-10-02
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 was stunned this morning when I saw inaccurate accounts pop up on my credit report, and I dont understand how this happened. I checked my report like I always do, but this time, there were mistakes out of nowhere. Hoping it was a glitch, I refreshed my browser, but nothing changed. Im asking that the documents Ive sent be carefully reviewed so I can put this behind me for good.
Consumer complaint received 2024-10-02
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 was alarmed this morning to see inaccurate accounts on my credit report, and I have no idea why they appeared. I check my report regularly, but today, there were discrepancies that werent there before. I refreshed my browser, thinking it might be a glitch, but the errors persisted. I would really appreciate it if the documents Ive sent could be checked thoroughly so I can stop stressing over this.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (CA)

relate to reference # XXXX false accusations due to I closed my checking and savings account with Wells Fargo in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out XXXX had a Lien on my property, I called and asked XXXX the reason of the Lien, agent told me Wells Fargo sold my account to XXXX XXXX in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for XXXX and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from XXXX AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with Wells Fargo in XX/XX/XXXX, same year Wells Fargo was under investigation by the FDIC with Fraud and embezzlement.