davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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. (GA)

I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/202XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I was looking to my credit reports and find out there are XXXX accounts that has nothing with me, i have never aplied for that loan and credit card. 
XXXX. XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  ( Opened XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX )
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX XXXX XXXX posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX TransUnion posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX I paid the full amount {$1400.00} to XXXX XXXX. 

On my credit report XXXX XXXX & Trans Union posted the incorrect information. I don't owe {$1400.00}. 

XXXX  XXXX credit card was paid in full on XX/XX/2023. XXXX points was DEDUCTED from my credit score. I want the XXXX points restores. I want the correct amount of money owed posted XXXX XX/XX/XXXX XXXX XXXX received full payment for {$1400.00} 1. TransUnion posted the incorrect amount on XX/XX/XXXX {$1400.00} 2. XXXX XXXX posted the incorrect information on XXXX XXXX XXXX XXXX states I owe {$1400.00} to XXXX XXXX, false, inaccurate, incorrect information. I OWE XXXX dollars, I paid the debt in full on XX/XX/2023.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (GA)

My research on FCRA 605 indicates that Credit Bureaus are required by law to remove and prohibit any goods that are discovered to have been opened as a result of identity theft. Once more, it looks that my credit with you has been damaged. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. Credit Bureaus must remove the following items, which are stated below : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
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. (SC)

I sent Experian documents by mail to confirm incorrect information is being reported. The same information was sent to XXXX and XXXX. XXXX and XXXX has since corrected the issues. Experian return the mail back to me with out opening.
Consumer complaint received 2024-05-04
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. (NY)

Dispute and Request for Documentation - XXXX XXXX  Account Number : XXXX Dear TransUnion, I am writing to dispute the accuracy of XXXX XXXX  reported on my credit file. This account was previously adjusted and removed from my XXXX credit report, which indicates that there was an error with the reporting of this account. 

I request that you provide me with the following documentation : Verification of the debt and proof that the account belongs to me Detailed account history, including payments, charges, fees, and interest added to the account Proof of credit reporting, including when and how the account was reported to TransUnion Investigation report detailing the findings and actions taken regarding my dispute Documentation of any previous disputes related to this account and their resolution Proof of compliance with the FCRA Given that XXXX has already removed this account from my credit report, I believe there is an error with TransUnion 's reporting. 

I request that you investigate this matter and take immediate action to correct and remove this account from my credit report. I request this documentation within 14 days. Failure to provide this information may lead to further action to protect my rights under the FCRA.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (TX)

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 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 written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again with
out my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 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 2024-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

XXXX XX/XX/year> initial payment for online purchase with XXXX XXXX. 

It was reversed and Chase had retuned the money for I had cancelled my purchase due to the seller delaying the shipment of my purse. 

Chase then closed the claim and just yesterday XXXX XX/XX/year> XXXX took the money out once again.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NJ)

I've received a few weeks ago ( beginning of XXXX ) a letter from XXXX XXXX XXXX saying I own XXXX XXXX {$380.00}. I thought it was odd because I know I don't own them anything. So i called my mother in law who just retired from XXXX. I lived in my last place at NJ XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My mother in law was the one who opened and eventually closed and transferred my account to her house in XXXX, NJ. My mother in law called her friend from XXXX and he inded confirmed what we all knew, that's not my bill! The account the collection agency is saying is mine, doesn't have my social, my email, full name, DOB, phone number, literally nothing that belongs to me linked to it! They most have a first name and half of a last name. Some how they linked a completely stranger to me, and now they are bothering me with letters with a debt is not mine. I've already disputed it ( same day of XXXX  letter ) and they sent me a letter XX/XX/XXXX ( a joke that proves nothing ) saying XXXX confirmed the name and address and that I still have to pay them! I can no longer dispute that bill because XXXX confirmed that debt ( face slaps ), a debt that IS NOT MINE! 
Reference # XXXX
Consumer complaint received 2024-05-04
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (PA)

Yesterday on XX/XX/24 I was at the grocery store and went to go check out with my Robinhood debit card. I had money in my checking and the card kept getting declined. Come to find out robinhood put a restriction on my account for a security review I called them and gave them all the info that they requested and explained to them that there had been no unauthorized charges and no one else beside myself had access to my account. They then said they would submit my answers to their team dedicated to this issue and get back to me in XXXX business days. I explained to them I was at the grocery store my kids needed food for the weekend and I needed access to my money in my checking. They did not care and just kept giving a generic answer that their review team would get back to me. This is crazy I need my money I need to buy groceries and gas to get to work. I did nothing wrong for my account to be restricted like this especially after I provided them all the info they requested. I need access to MY money in my checking account how can they just do this?
Consumer complaint received 2024-05-04
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)

The inquiry and inaccurate address were not authorized.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NV)

FAMILY & EDUCATION ACT1974 PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Alabama Housing Finance Authority (NC)

Every month when I go to make a payment online I have to make a new password every time. I will write down the new password and user name for next month, but it never works month after month.This is now the 5th time of changing my password in 5 months of this new house I have had XXXX XXXX before with another house and they still have info about the loan after years of not servicing the loan. when I call and ask them about it no one knows why they still have that information.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (TX)

This is my second 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 an alleged fraud or extortion XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-07-06
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 have 2 accounts on my credit report that are damaging my credit profile. These accounts being : XXXX ) XXXX XXXX XXXX, Acc # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX I have the credit bureau multiple times to show me some type of written signature as proof of me owing this debt and they refuse to do so. Therefore making the accounts listed above unverifiable and inaccurate. Reporting such information is a violation of my rights according to the FCRA.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-12
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following date XX/XX/2020. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
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: Experian Information Solutions Inc. (OH)

These accounts are a result of identity theft. I did it authorize these accounts and they should be removed immediately under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DSR HOLDINGS GROUP, LLC (TX)

They sent repeated texts and calls giving no background information on who they are. This is XXXX with DSR. Please give me a call back Have no clue who DSR is. Plus, the numbers they were calling on were all different or didnt work. However, they called my mom and revealed to her I had a loan with them to pay, which is illegal. You are not allowed to do that or tell third parties about the debt. 

I assumed fraud and reported them to the FTC and FBI. 

Additionally, they were very rude to me, dismissive, abusive, smug and XXXX to me on the phone. They have now allegedly verbally told me they are issuing a cease and desist with me because I am being ridiculous. Weird because they are the ones who have been harassing me and my family. XXXX accountability for their behavior.
Consumer complaint received 2024-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (OH)

In XX/XX/2023 I was involved in a car accident that resulted in my car being totaled out. At that time, I still owed a few XXXX on the car my insurance company XXXX  declared my car a total loss and I received a payout for the vehicle. During that time, they contacted my lean hold to pay the remainder balance and sent then the check still month later the balance has not been applied to my remaining loan amount but the check they sent to Santander Comsumer was shown cashed. I got the remainder balance in a check with no problems at all as well. Me and my insurance rep even did a 3way call with Santander trying to figure out why it's taking them so long when the check was cashed, and they blamed it on the accounting saying it could take a few weeks. The check was sent out to them XX/XX/2023, and was shown cashed around XX/XX/XXXX or XXXX if I'm not mistaken according to my insurance rep. Still all this time later the money has not been applied to the car balance and every time I call them, I get smart mouthed customer service and they give me the run around when I know for sure they received the check, and I don't want this hurting my credit because they aren't taking it seriously.