davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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)

Dear TransUnion I see information that on my consumer report that is result of identity theft. I did not provide any written permission or instructions for this account to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material representations of fact by the relevant to the request to block the identified account. This account and transaction is not information related by me the consumer. XXXX XXXX XXXX Account number XXXX Down below I attached all supporting documents my drivers license my social security and my identity theft form. Thank you
Consumer complaint received 2023-04-11
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. (TX)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Delete this account. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-05
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. (WI)

On XX/XX/year> - I sent out a letter to EXPERIAN, XXXX AND XXXX regarding a few inaccuarate inquiries Ive came across on my credit reports that weren't authorized by me. ( Documents attached ) On XX/XX/XXXX - A month went by and after hearing nothing back from neither of them, I followed up by sending an additional 30 Day Follow Up letter to each bureau. 

On XX/XX/XXXX- I received a letter from XXXX stating that they needed a copy of my drivers license and social ( which I in fact did send along with the letter ) and stated that process could take an additional 30 days. 

On XX/XX/XXXX - I also received a letter from XXXX which was in fact nothing but a copy of my credit report with attached instructions to dispute online. 

I still have yet to hear back from Experian regarding the inacurate inquiries since XX/XX/XXXX.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My wallet was stolen XXXX my bank cards and credit cards were stolen and whoever stole it went inside the XXXX store and charged my debit {$2200.00} worth of items. I called my bank Wells Fargo and told them and they told me theres nothing they can do about it, I repeatedly called and they told me they will not pay me my money back. I dont understand this I need your help Thanks!
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WI)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-05-31
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. (GA)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I sent out a letter requesting a letter of Goodwill to XXXXXXXX XXXX XXXX regarding my account status being reported late for XXXX and XXXX of XXXX ( document attached ). I had recently changed banks during this time and forgot to update my account with the updated banking information where the monthly payments were being deducted from. XXXX XXXX was still allowing me to submit and process my payments successfully these months ( Please see documents attached ) and failed to notify me that the payments were being reversed because the account that was attached was no longer in use. I thought the payments were processing because it always showed on the login platform that my account was up to date. Until I happened to login to make my payment for XXXX and noticed that it said the account was 2 months past due. This issue would've been prolonged had I did not check my credit report and seen the late charges. I called the company myself and they told me that the banking information needed to be updated. 

As soon as it came to my attention that the payments weren't being deducted from my business account, I paid the account up to date and requested the late payments be removed. I only see the late payments for XXXX removed off my credit report. However there is still a late charge under my Experian and Transition for the month of XX/XX/XXXX.
Consumer complaint received 2023-04-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Consumer complaint received 2024-05-05
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. (TX)

I have just recently learned that I am a victim of identity theft, I have taken al the steps to file police reports and etc reports and other actions to support my claim for these fraudulent accounts that have been opened in my name fraudulently, unfortunately the CFPB has failed me and my request in order to investigate these alleged allegations to support my claim for identity theft and these fraudulent accounts that have been opened in my name, I am respectfully asking for the CFPB to get involved in my claim and to help support my request and remove the fraudulent accounts that have been opened in my name without my consent, attached is supporting documents to support my claim.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-21
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)

My information was included in a data breach please delete reported accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Experian. Disputes were filed on numerous dates.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (TX)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX only ) 30 days late as of XX/XX/2018 ( XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2024-01-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS FREELY, AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACCOUNT WAS PROPERLY INVESTIGATED, BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INCORRECT, THE LAST ACTIVE DATE IS INCORRECT, AND THE LAST REPORTED DATE IS INCORRECT? THEY ALSO VIOLATED MY RIGHTS UNDER THIS GROUND FOR REMOVAL. 

I HAVE THE RIGHT TO PRIVACY, according to 15 U.S.C. 1681 SECTION 602 A.

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

PLEASE REFER TO THE ATTACHED LETTERS.
Consumer complaint received 2024-05-05
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. (GA)

I have experienced identity theft and I have multiple things popping up on my credit report that I do not recognize. I have sent 2 letters out requesting for validation of debt and none of these companies or credit bureaus have provided what I am asking for.
Consumer complaint received 2023-08-28
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. (VA)

I asked credit reporting company to verify that the information on my credit report is reporting correctly. The credit reporting agency said they did so I refreshed my credit report to see that it still say that my credit report wasn't updated and I still found inaccuracies still on my credit report even after they said they did verify everything on my credit report. 
XXXX-Account # XXXX is this account and in accordance to the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agrncy can not furnish a account without written instructions.
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I called TransUnion today at ( XXXX ) XXXX, on Monday, XX/XX/2023, around XXXX XXXX XXXX XXXX XXXX. An agent answered the phone and did not speak or say anything ; the call was silent. After a few minutes, the call was disconnected. This is call avoidance and is against TransUnions policies and procedures. Please review the phone call and sanction the agent. This is prohibiting me from filing an FCRA dispute over the phone.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 I entered into credit counseling and Incharge debt began to manage all my credit card accounts including Citi. 

I noticed a 30 day late notice on my credit report for the month of XX/XX/2020, so I called CITI to have corrected. At this time I found out over the phone that CITI had turned off my automatic payments to the account before the payments began under my credit counseling agreemnet and they did so without informing me. 

I had previously enrolled in automatic payments with CITI due to past problems with their website and being able to make payments. Their site constantly had errors that prevented me from logging in to make payments, so I enrolled in autopay to avoid further issues. When they cancelled this without informing me, due to this and not receiving a bill, I was not given notice that there was a bill to paid. 

When I disputed the issue CITI did not fix or address the issue.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-11
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. (IL)

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 2024-08-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

On or around the beginning on XXXX after applying for a lease I was notified that the leasing company was unable to pull my credit file that it was blank. After talking to an agent with Equifax I was notified that my DOB was wrong and my address was never updated to my current address. I was then notified by the agent to send them a copy of my SS card and ID with a pc of mail with my current address. On XX/XX/XXXX sent a certified letter to Equifax at XXXX XXXX XXXX XXXX, GA requesting that my address, DOB, and employer to be updated on the file so that the information would be right in order to pull my report. On XX/XX/XXXX recieved a letter stating that the documents I sent were illegible. After talking to an agent again he told me that the copies were not clear enough to read to resend them. On XXXX XXXX sent another letter with my SS card and State ID. As of today Im still having issues the agent stated that my DOB was still reporting wrong after receiving a letter on XX/XX/XXXX saying it was updated. Still not able to access my credit file as of today.
Consumer complaint received 2024-05-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

XX/XX/XXXX : Notified by XXXX that they consider the working stovetop " damaged '' and in need of replacement to the tune of {$660.00} ( XXXX XXXX charged amount is {$550.00} after overcharging for move-out cleaning services to which they concede ) XX/XX/XXXX : I appeal the matter to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LAT ) XX/XX/XXXX : The City contacts XXXX to get their view of the case XX/XX/XXXX : XXXX sends the stovetop XXXX charge to a collections agency ( FCO ) without awaiting final judgment from the City XX/XX/XXXX : I dispute the charge with FCO citing that the matter was not resolved with the City and providing the chain of email correspondence XX/XX/XXXX : I file a complaint with the XXXX Office of the Attorney General regarding this matter, which remains pending XX/XX/XXXX : FCO finds in favor of XXXX and demands payment XXXX disregarding both the illegitimacy of the original charge and the fact that its pending government arbitration XX/XX/XXXX : I report the issue to XXXX  who agree to escalate the matter to the commission once its impaneled XX/XX/XXXX : FCO falsely reports the collection as a debt to the three credit bureaus ( XXXX, XXXX, XXXX )
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX -XXXX partial account number XXXX. ( Please see pages 22 and 23 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due
Consumer complaint received 2023-04-11
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. (MT)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/2022 Balance : {$320.00}. Please delete ASAP.