davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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)

There are XXXX accounts on my credit report that are not authorized and do not belong to me. 

XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$470.00} XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$300.00}
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EXPERT GLOBAL SOLUTIONS, INC. (AZ)

I gave notice for them to stop calling. They bought a debt and I let them know I have no contract with them. Still called several times after I told them to stop calling. This was the most recent call on XX/XX/2018 at XXXX. 

Company is called EGS Financial Care , Inc. Their phone is XXXX and Fax is XXXX
Consumer complaint received 2024-05-22
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. (OH)

-- -- -- -- -- -- -- -- -- -- -- -- - **TransUnion** Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

The account below oXXXX XXXX was removed from my XXXX and XXXX report. It's a fraudulent account. Please remove this account off my XXXX report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/XXXX, XXXX XXXX This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all 3 bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/XXXX These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY XXXX REPORT! 

Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my XXXX report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason 6 hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

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 2024-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc. (FL)

creditor ; XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX  creditor account XXXX the account balance is in correct also Request original purchase agreements I am requesting the original agreements with my authorized signiture agreeing on you purchasing and selling back my personal information to a debt collecter ARS National Services Inc so there doing illegal activities
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (NY)

My name is XXXX 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 2024-05-22
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. (OH)

-- -- -- -- -- -- -- -- -- -- -- -- - **TransUnion** Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

The account below opensky cbnk was removed from my XXXX and XXXX report. It's a fraudulent account. Please remove this account off my XXXX report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/XXXX, XXXX XXXX This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all 3 bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/XXXX These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY XXXX REPORT! 

Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my XXXX report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason 6 hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

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 2023-05-04
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. (PA)

Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Trans union and XXXX XXXX XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-26
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. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX DAYS, INQUIRIES : 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 2024-05-22
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. (KY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-22
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent. 

PLEASE BLOCKED AND
Consumer complaint received 2024-05-22
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your agency is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). The account XXXX XXXX XXXX XXXX was deleted, and you reinserted it without notifying me 5 business days after and certifying that the item was validated properly. I demand you to delete this item from my credit file or I will seek litigation. Please reference CFPB complaint XXXX for the initial reason for the dispute of account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (GA)

I sent Wells Fargo an acceptable payment according to their credit card agreement. I sent an irregular, conditional, partial restrictive language, paid in full payment according to their card agreement. I mailed the letter with instructions how to apply the credit. I was told by the Executive Team of Wells Fargo that it was a debt scheme. I also recorded the call. They refuse to honor their credit card agreements. I let their agent " XXXX '' know this wording is in every credit card agreement in the United States so that means this is law. She said the only form of payment they will accept is from a XXXXXXXX XXXX. I asked for the Arbitration address to send to them, she provided. I advised her she needs to consult with legal, she refused. Not only have Wells Fargo violated their credit card agreement, but they've violated their prospectus to the SEC.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX hadnt provided any date of first delinquency hasnt provided any proof of license to collect in this territory and also has been sent a cease and desist and to still communicate about a disputed debt that hasnt been validated is a direct violation of FDCPA. Copies of statements arent sufficient and the address on file they have doesnt match my address as I have never been associated with this address before.
Consumer complaint received 2023-09-17
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. (PA)

My Identity was stolen several times in the past XXXX  years from Data Breeches with Equifax, XXXX XXXX, Etc Etc. And stolen ... from all these data breeches hard to tell how many people have all my info to open up anything they want from Highest Security to Lowest. And this is very dangerous. I kept getting all kinds of bills and inquiries... it's crazy cell phones, credit cards, water bills, Heating bills, gas, checking accounts... EVERYTHING. 

Im trying to buy a home here soon and I can not buy. Pack of XXXXXXXX XXXX gum on credit it's so bad...? I have no idea what to do
Consumer complaint received 2024-05-22
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. (TN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-05-22
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. (TX)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX XXXXXXXX ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX XXXX XXXX CREDIT CARD STARTIN XXXX OPENED AN INVESTIGATION ON XX/XX/2024 NO ACTION HAS BEEN TAKEN ON MORE THAN 30 DAYS ACCOUNT SHOULD BE REMOVED INMEDIATELY SIN XXXX XXXX HAS VIOLATED A CREDIT REPORTING RULE. WHEN AN INVESTIGATION EXCEEDS 30 45 OR 60 DAYS AND THE BANK DOES NOT RESPOND IT IS NO COMPLAYING WITH THE CREDIT REPORTING OVERSEEING LAWS
Consumer complaint received 2024-05-22
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)

FOR CFPB ( EXPEREMENTAL ) 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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX I closed my account with XXXX because they were charging me outrageous late fees of {$40.00}, I disputed it with XXXX and got no results, I don't understand how they can get away with still charging me late fees after I had closed my account?? ( as far as Im concerned thats considered fraud and thats defiantly illegal ) Didnt know it was legal for them to be able to do that after an account has been closed, they are also charging me interest fees on top of late fees.. 

Even though I got no results they are still charging me late fees on my closed account and my balance keeps going up and up and up.. I am currently unemployed and have been since XXXX XXXX XXXX and dont know when Ill be going back to work or if Ill ever be able to go back to work due to an serious injury I had back on XXXX 

Would appreciate any help you can give me.. 
Thank you!! 
XXXX
Consumer complaint received 2024-05-22
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. (TN)

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/year>, and I have not yet received a response.
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

After months of trying to change my account to remove the 'paid ahead status ' I finally received a notification that MOHELA will begin to process the payments as requested in my filed instructions. I received this notification on XXXX. The notification said it should take 3-5 business days to see it reflected in my account. On XX/XX/22 the change was still not reflected in my account when I checked online. I called customer service and after being on the phone for over 30 minutes, the best they could do was tell me it's been escalated and I should see a message in 5-7 business days. And if I don't then to call back. I feel like they are just hoping people forget about the requests they submit so they never have a chance at paying down the principal of their loans. This issue has cost me hundreds of dollars in interest, as I was trying to pay over the minimum to pay down the principal of my loan. When I expressed this concern, the representative said well your loan accrues interest every day. MOHELA has the worst customer service and platform.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.