davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I looked at my report on XXXX XXXX XXXX I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Account Status Original Creditor XXXX XXXX with XXXX is not on my credit report This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX, XXXX. I do not have any contract with XXXX XXXX XXXX. 
XXXX are not reporting this According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( 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.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reporting information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. 
I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO XXXX  FORMAT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated!

Please delete the follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (WI)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (MI)

ACIMA DIGITAL FKA SIMPLE has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. 

ACIMA DIGITAL FKA SIMPLE has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me Send me a contract between me and ACIMA DIGITAL FKA SIMPLE bearing my signature. 



Send me the location this account was opened at. send me the name and number of the person who open this contract in my name with ACIMA DIGITAL FKA SIMPLEP.

Let me know was ACIMA DIGITAL FKA SIMPLE open up in person or online. What identication was used to open this account? Delete this account from my credit report. 


What date was ACIMA DIGITAL FKA SIMPLE open? 
What method of verification was used to say this account ACIMA DIGITAL FKA SIMPLE belonged to me? remove account
Consumer complaint received 2023-12-02
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. (NJ)

In Accordance with the Fair Credit Reporting Act XXXXXXXXT Account # XXXX, XXXX-XXXX XXXX # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 USC 1681 section 602. States I have right to privacy. 

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not without my written instructions. 

15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-07
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. (PA)

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-08-29
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (TN)

This credit was reportin inaccuries on my credit report I call company about my credit worthiness and could not get this resolve. I made several attempts into resolving this matter. I made an agreement to pay it off and to have negative remarks taken from my credit report as the company Truist agreed if I settle the account. It is still reporting negative on my credit report
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

My insurance policy lapsed with USAA and because it lapsed due a report they obtained they refused to restart my policy unless I PAY THE ENTIRE 6 MONTHS PREMIUM as well as the past due balance owed I did say I would pay the past due but they want 6 months for the car insurance owed which is over {$2000.00} so in order for me to start again I have to give USAA nearly {$5000.00} which I do not have by them doing this to me I will be in more severe financial hardship unable to buy food and take care of myself due to a possible incorrect report they have received without my knowledge or consent to be used. The company will not work with the veteran even though they state they are for us they are making it hard for us to keep our policy in take after an accident that caused me financial hardship to fix my XXXX XXXX for my insurance denied the repair therefore I had to fix my TRUCK out of pocket over {$2400.00} on my own even though I had car insurance. The XXXX dealership explained that they did not say the things that the adjuster wrote and that was the adjusteXXXX and not them therefore not wanting to pay the claim and refusing to pay therefore causing me financial hardship on the repair of my TRUCK in turn causing my insurance policy to lapse. USAA has refused to pay the insurance claim and stated issues that the XXXX dealership did not say and refused to pay their claims leaving me in limbo with repairs and insurance premiums lapsed due to non payment.
Consumer complaint received 2024-07-01
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-08-29
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. (PA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 . US DEPT ED Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX  Closed {$7600.00} N/A of Credit Limit 5 . XXXX Closed N/A N/A of Credit Limit 6. XXXX Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX Closed N/A N/A of Credit Limit 9. XXXX  Closed N/A N/A of Credit Limit
Consumer complaint received 2023-09-20
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. (NY)

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 XXXX  Account 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-13
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Case XXXX To Whom It May Concern : This letter is in response to the above referenced case. I would like to reopen the case and continue the dispute. The merchants name is XXXX XXXX XXXX XXXX XXXX The date of the transaction was XX/XX/2023. The amount of the dispute is {$470.00}. 

My response is that the hotel charged this VISA card without my authorization. The hotel reservation was made with a XXXX, thus any issues with the reservation should have been charged to that card. I did not authorize access to this VISA card. 

On the attached reservation, it clearly denotes XXXX. I called the hotel to discuss the issue on XX/XX/2023 at XXXX where I also disputed the charge with them. I also called Capital One to discuss, but it hadnt cleared. On XX/XX/2023, I proceeded to dispute AGAIN with Capital One and the representative informed me that the merchant indicated that Id authorized the use of the VISA and I did NOT. The card was charged on XX/XX/2023 and I had no contact with the merchant until XX/XX/2023 ; which would indicate that I did not give prior authorization. 

The attached documentation clearly indicates that this reservation was made with a XXXX, and it also includes the hotels cancellation policy. It is included on this correspondence, per your request. 

The merchant had NO right to assign any fees, charges, or other for THIS RESERVATION to this VISA card. 

I look forward to your favorable response. 





Thank you,
Consumer complaint received 2023-08-29
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
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. (OH)

Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report TO WHOM IT MAY CONCERN, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score. The details of the inquiries in question are as follows : XXXX XXXX ( Bank ) - XX/XX/2023 XXXX  ( Bank ) - XX/XX/2023 XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX XXXX XXXX ( Bank ) - XX/XX/2023 I have contacted your customer service department on multiple occasions regarding this matter. Despite my efforts to resolve this issue, there has been no satisfactory resolution. I have spoken to your representatives and even escalated the matter to a supervisor who assured me that the inquiries would be removed within XXXX hours. Regrettably, this has not occurred, and the incorrect information remains on my credit report. 

The unauthorized credit inquiries have had a detrimental impact on my credit score, making it imperative that this matter be rectified promptly. I demand a thorough investigation into these inquiries and request the immediate removal of the unauthorized inquiries from my credit report. 

I understand that timely resolution of this dispute is crucial to maintaining the accuracy of my credit profile. I appreciate your prompt attention to this matter and look forward to a written response detailing the results of your investigation. 

Please provide me with written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
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. (CA)

please delete the following account and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$360.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$5900.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XX/XX/XXXX Account Balance : {$540.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXX Account Number XXXX XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Please Delete Fraudulent Hard Inquiries Immediately thats listed below XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX