davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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. (LA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-07-25
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 accounts 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 Discharged XXXX : Bankruptcy Reference Number XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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 XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-03
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: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX XXXX XXXX, has an account open in my name at an address i necer lived at, this acclutn was open due to fraud, this account needs to be removed off chexsystems, if this account is not removed i wlll turn this account over to the attorney i have hired, XXXX XXXX firm, i am a victim of identity theft and this accout was not open by me, so please remove this account ftom my report, this ftc identity theft report and complaint will be used against family savings credit union, my information was leaked on the dark web by XXXX XXXX and it has caused serious damage to my credit, my information has been compromised and used by scammers please don't force me to sue remove this account immediately, I am now suing XXXX XXXX In XXXX, my information was exposed in 2017 by XXXX XXXX and it has caused identity fraud and I have filed a police report in 2017 because my identity was used to have accounts open in my name and this police report is proof and investigation took place
Consumer complaint received 2024-01-16
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. (CA)

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, and inquiry 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 : XXXXXXXX XXXX XXXXXXXX Balance : {$100000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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: EQUIFAX, 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 accounts ( A ). It is not permitted to report these accounts 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
Consumer complaint received 2024-01-16
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

all inaccurate names and address and phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
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. (GA)

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-05-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXX Balance : {$41.00} XXXX FIN XXXX Balance : {$3800.00}
Consumer complaint received 2024-01-16
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. (TX)

Despite some of these accounts were already being removed from XXXX and TransUnion on XX/XX/XXXX & XX/XX/XXXX of XXXX, I still keep seeing these under other credit bureaus ' record. 

This made me questioned their accuracy because first of all, they should only be referring these information from one furnisher of information, but why do they have different resolution? No verification procedures were also shown to me. 

Therefore, I needed them to please remove these incorrect and misleading accounts from my credit history to avoid affecting my scores.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/, I received a copy of my consumers credit report via XXXX XXXX. While reviewing my report, Ive noticed a lot of inaccuracies including but not limited to addresses and misspelling of names. Ive reached out to Transunion to remove these inaccuracies and it was a failure to do so. Transunion, as a credit reporting received information for someone other than myself and reported this to my consumers report without my written consent. No consent is identity theft! 
15 USC 1681 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for my rights to privacy. Transunion did not do that. 
Transunion is also committing Fraud by KNOWINGLY receiving information from someone other than myself for their benefits. 

The following information is what TRANSUNION has reported to my consumers report : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX The only name that I am verifying to be me with the correct spelling is : XXXX XXXX
Consumer complaint received 2023-06-17
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 recently acquired a copy of my credit report and discovered that my identity has been stolen, which has deeply alarmed me. At present, I am in the midst of purchasing a home for my family, and this unfortunate incident of identity theft has had a detrimental effect on my situation. Therefore, I kindly ask for your urgent assistance in removing these deceitful accounts from my credit report. Please see attached documents
Consumer complaint received 2024-01-16
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)

Subject : Addressing Late Payments and Violation of Consumer Credit Law Dear [ Recipient 's Name ], I hope this letter finds you well. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I am writing to bring to your attention a matter regarding late payments on my account ( Account number : XXXX ) with XXXX XXXX. According to my understanding of the United States Code Law, specifically 15 U.S. Code 1605, there should not be any late payments if a finance charge was involved. The finance charge is defined as the sum of all charges related to a consumer credit transaction. 

The law specifies that the finance charge includes various charges such as interest, service or carrying charges, loan fees, investigation fees, and more. In essence, the finance charge covers all fees directly or indirectly payable by the person to whom credit is extended. 

Considering this, I believe that the late payments on my account, dated XX/XX/XXXX and XX/XX/XXXX, should not have occurred if a finance charge was involved. As per 15 USC 1605 ( a ), I request that these late payments be removed from my consumer report. 

As a consumer, I am aware that accounts mentioned in this letter must be updated to " paid as agreed '' immediately under the law. Failure to do so may lead me to seek monetary damages for the violation of my rights under 15 USC 1605 ( a ) in small claims court in my city and state. I am prepared to take legal action under 15 USC 1681n civil liability. 

Furthermore, I have already submitted this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I appreciate your prompt attention to this matter and expect the necessary actions to be taken promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-28
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: SANTANDER HOLDINGS USA, INC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear SANTANDER, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws pertinent to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that SANTANDER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri law addresses identity theft and fraud with stringent regulations to protect consumers from unauthorized use of their personal information. Under Missouri Revised Statutes Section 570.223, identity theft is a serious offense, emphasizing the illegality of using someones identifying information without consent. 

I assert with unwavering certainty that I have not provided consent for SANTANDER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws as outlined in Missouri Revised Statutes Section 570.223. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SANTANDER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FREEDOM FINANCIAL NETWORK (CA)

I have requested over seven different times through written request, asking for validation of debt per my rights. None of the validation of debt forms have been disclosed to me such as original signature original agreement. I have sent various letters to all three credit reporting companies in addition to this company, none of which any validation of dead has been furnished from.
Consumer complaint received 2024-05-28
Product: Credit 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: DISCOVER BANK (PA)

I was dating with a man and he scammedmy account and my credit card he was make 3 forgeries check to my account on XXXX and my credit card he buy many thing online with XXXX and I disputed these transaction XXXX be XX/XX/XXXX or XXXX they are still on my charge .Now he try to pay Cause I don't use the card because of him and I see the payment returned so I would like the bank alert when a new action make on Mt account
Consumer complaint received 2024-05-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: LCS FINANCIAL SERVICES CORPORATION (IN)

I was called XXXX from XXXX to XXXX and then they stopped emailing suddenly. On average I would receive a call XXXX times daily and it made me change my phone number that I had for over XXXX years. I paid off all of my debt in XXXX because of my XXXX XXXX XXXX and was planning on using the XXXX money for that. Once I logged into sallie mae my loan wasnt there and I realized they hadnt contacted me since XXXX. Once loan payments paused because of XXXX  I didnt know if it was forgiven or what had happened. Now in XXXX, I got a letter saying they sold it to collections and Im being sued. The last email I received from sallie mae never informed me of when or who they were selling it to and I was blind sided.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm disappointed with the dismissal of my identity theft claim, citing an error or misrepresentation. This raises concerns about your authority to determine material facts. It's crucial to note that your role doesn't grant judge or jury powers. Following FTC guidelines, an identity theft report with a law enforcement agency ( FTC itself ) warrants a thorough investigation.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I'm offering XXXX final chance for you to address my request. Failing to do so leaves me no option but legal action.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I have revoked, rescinded, extinguished and annulled any and all authorization I may have given Wells Fargo to share my nonpublic information. Furthermore, I have revoked all security interest I granted to them on securities on deposit with them, ie, the Application for the Credit Card, which they have been trading and selling on the secondary market without sharing the profits with me nor applying the proceeds to the account. 

Regardless, they are inaccurately reporting my credit information.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

After XXXX years of paying, including accelerated prinicipal payments, we applied to transfer the loan to my daughter and her husband. They completed the application to transfer the loan and Nations Direct instead of processing the application, transferred the loan to a debt collecting mortgage company. Our mortgage account # is XXXX with Nations Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. The new account is with XXXX XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Account XXXX is {$260000.00} We call XXXXXXXX XXXX and they said a new application needs to be completed.
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

On my XXXX credit report, there is a debt being reported by Jefferson Capital Systems. Im unaware of this debt. I didnt have an opportunity to dispute this debt. 

If in fact, you believe you gave me proper notification, then please send me the receipt of the certified mail being sent and received with my name on it and my signature.
Consumer complaint received 2020-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

I have an installment loan from my car title with instalone and this is the second time that they are attempting to bully me into making a payment and harassing me with phone calls they've called me three times in the last two days when the first call I received I told them I would be making a payment today or tomorrow and then I received two phone calls after that. 
I already filed a complaint with the better business bureau but I ended up getting bullied into borrowing more money to make the past due payment and this is all due to kovid that I couldn't make the payment. one day past the due date which was XX/XX/XXXX they slapped on another month due right now that's twice they've done that to me period plus the harassing phone calls and their bullies they are bullying me ... help me XXXX is who called me
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX