davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX XXXX XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the FCRA, this is against my rights. This Account was paid and closed on XX/XX/2023 but all 3 credit bureau keeps reporting monthly on my credit report. Its showing last update on XX/XX/2023 but it was closed and paid in full in XX/XX/2023. This is inaccurate and it needs to be changed and corrected. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-24
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.

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 2018-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

I have contacted Equifax several times reguarding a collection account on my Credit by the name of XXXX XXXX. I have disputed multiple times saying this account was not mine. I even asked how they verified the account? And asked for proof this account was mine. I have been dealing with this situation since XX/XX/2017. I have spoke to supervisors and other reps the outcome was always no help/ verified. I have sent in police reports I have faxed in FTC report. What else can be done? I am very disappointed with them.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-01-24
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. (MI)

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 has violated my rights. Or 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 2024-01-24
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. (AL)

Ive submitted certified disputes regarding unauthorized account investigations including supporting documents including the cfpb complaints and FTC Report accounts still reporting requested for deletion of account now monetary request for violations and illegal reporting and misleading XXXX  disputes and certified request XX/XX/XXXX XX/XX/XXXX In violation of consumer laws 15 U.S. Code 1692e - False or misleading representations R 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

US Code 1681 e ( b ) collections must be XXXX XXXX  accurate across all XXXX bureaus XXXX XXXX : Violation of 15 usc 1635 right of recission
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (AL)

I disputed an account with Experian in XX/XX/XXXX and XX/XX/XXXX for a company called XXXX XXXX XXXX, with the original creditor being XXXX XXXX, due to inaccurate information being reported on my Experian credit report. My second dispute in XX/XX/XXXX included documentation proving that the information being reported on my credit report is inaccurate. I disputed the balance and the open date. The outcome of both disputes was that the information is being reported accurately. However, two representatives at Experian told me via phone on XX/XX/XXXX that they did receive my documentation, but the documentation did not get attached to the dispute. I requested to speak to a supervisor, who only offered to open another dispute. This is not the right resolution at this point as I already disputed the account twice and included documentation as proof. It is not my fault that Experian 's employee did not attach my documentation to the dispute. I requested that the supervisor delete the account for failure to investigate my dispute properly and inaccurate information being report. The supervisor in the dispute department, XXXX, refused to delete the account and she abruptly hung up on me while I was talking. I have attached a document showing the balance and open date that this company is reporting on my credit report, a document showing the correct balance and correct open date, and my second dispute letter to Experian. 

I am resubmitting this complaint because Experian responding that they need authorization. You don't need authorization from myself. I attached my driver license if that makes it easier for you. Stop stalling! I called in to give authorization to move the complaint along, but your employees are incompetent, and didn't know what to do ...
Consumer complaint received 2024-05-08
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023, and XX/XX/2023, I sent TransUnion dispute letters requesting that they fix the errors or delete them off my consumer report. After going over all my consumer reports I realized that there were many incorrect items that needed to be corrected. The reports don't say the same thing and according to the FCRA all reports are supposed to be 100 percent accurate. I showed TransUnion the errors that all of the reports showed for the date accounts opened, Date of last activity, closed dates, account numbers, these are just a few of the mistakes. TransUnion just sent me a report and didn't correct anything with the accounts only responding with the accounts were verified. So, in XXXX XXXX, I sent a letter asking them according to the law 15 U.S.C 1681 ( i ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond. However, since the holidays happened during the time, I sent the letter I gave them 61 days with still NO response from TransUnion. I expressed to TransUnion how hard this is on me. I live in a XXXX  with my children and finding a job is impossible, because according to XXXX XXXX XXXX  I have an F rating to get hired with a company with companies checking backgrounds and credit this makes it impossible to get hired. This is not only detrimental to my life and my mental state with these errors and misinformation on my consumer report. It is also affecting my children 's mental as well. I tried giving TransUnion the benefit of the doubt waiting 61 days and they still won't follow the law. I called them many times to fix the issues, but they remain the same. I know that according to the FCRA that this is against the law if all of my consumer reports aren't 100 percent accurate.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-24
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-01-24
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries in my credit report
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On or about XX/XX/year> after applying to rent an apartment, I was told via email : " Your request was carefully considered and we regret that we are unable to approve your application at this time for the following reason ( XXXX ) : Credit history unsatisfactory You have too many collection agency accounts that are unpaid. '' It's my understanding that Transunion has been fined for reporting incorrect information on consumer reports, and it's my belief that because of these incorrect reports, I was denied housing.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (NY)

Encountered fraud where someone has my social number and another copy of drivers id, also monitered my phone calls so my bank accounts were compromised, money were transferred out of my discover savings and my cd were closed. i reported to discover and they reopened my savings and cd, however they closed and seized my savings account balance later on, when i asked they said refused to talk to me about the issue
Consumer complaint received 2024-05-08
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. (IL)

I am submitting this complaint after noticing an unauthorized inquiries and inaccurate personal information on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (NY)

To whom it may concern, There are multiple collections coming after me that i have no idea the original creditor. I never signed any documents with any of these companies i will put in the attachments. I have tried to call XXXX XXXX XXXX XXXX, & spring oaks to have a better understanding what they think I purchased from them. To me this is all fraud and inaccurate information. As I asked them for proof as to why i owed them the money and they never provided any.
Consumer complaint received 2024-03-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OK)

I have been trying to use my XXXX Amex gift card at XXXX off and on all day, XXXX, XX/XX/year>. The card is supposedly worth {$50.00}, but XXXX keeps charging it XXXX every time it declines it and I have not been able to use it. This XXXX  card is useless. It was given to me for XXXX and Amex is essentially keeping my money since I am unable to spend it anywhere. I also tried at XXXX and it was declined. All I want is a refund of the {$50.00} XXXX card sent to me. I have XXXX different regular Amex XXXX cards and have always been a satisfied customer, but this situation is definitely giving me pause.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/year>2024 I paid a web design company name is XXXX XXXX XXXX ( they also have many different name, such as XXXX XXXX XXXX ) to create a business website for my XXXX XXXX  business. 
I made XXXX transaction on the same day. XXXX is {$240.00} and another transaction is {$590.00} After almost a month cooperation, I start realizing that this company isnt registered in ca and their business address online is fake also. 
Most importantly, they kept asking me more money for hosting and server.. and they had never tell me what do I need to provide on my side such as content.. whenever I asked them for anything, there is no response until I called them! 
I decided to stop the service with them and they even dare to sent me a fake court hearing notice that they made to me for threatening me! 
That is why I dispute the payment that I made with my chase checking account. 
Chase give the funds back to me first and said they also need to do the investigation! 
XXXX2024 I found out that chase had already reversal the funds back to this scammer company! And told me they cant do anything since the scammer company said that I received the services! 
Where is my business website if I had already receive the service? 
Chase not protecting their customer at all and didnt do the investigation work good enough!
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Commencing on or about XXXX of XX/XX/2022, I fell victim to two multi-layered scam operations run by someone which involved me making deposits for a total of XXXX USD from my Capital One account to fraudulent investment firm ( s ).
Consumer complaint received 2024-05-28
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: LEXISNEXIS (NY)

Im requesting to remove these addresses XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX, and I'm demanding the removal of these claims of my XXXX  report as there's no proof of my signature with the company that's reporting the negative claims on my XXXX  report Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX and I also want the removal of these people that's on my XXXX  report that I have no knowledge of and they don't belong on it XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (FL)

I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY XXXX AND XXXX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN EVICTED FROM MY HOME WITHOUT TRANSPORTATION, NO UNEMPLOYMENT BENEFITS NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO JOB, NO FOOD NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY XXXX AND XXXX CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET EMPLOYMENT, A VEHICLE AND A HOME HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR FINANCIAL AND EMOTIONAL DURESS. I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR RESIDENCE AS I HAVE BEEN HOMELESS, WASHING MYSELF IN PUBLIC PLACES OR MOBILE SHOWERS. I HAVE NO FAMILY OR ANY RESOURCES ALONG WITH NOT XXXX XXXX IN MY POCKET AND I WILL BE FILING BANKRUPTCY UPON ANY FUTURE EMPLOYMENT. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY INCARCERATED ON A XXXX XXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING PROFANE LANGUAGE OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A TOUGH SKIN!!! I HAVE FILED COMPLAINTS WITH EVERYONE IN XXXX AND XXXX XXXX AGAINST THESE CROOKED XXXX XXXX I AM BEYOND SICK OF THEIR XXXX LIES, ETC AND NO THREATS NOR HARASSMENT ARE BEING MADE I AM TRYING TO GET THIS BEHIND ME AND THE RESOLUTION I WANT!! I XXXX XXXX XXXX XXXX XXXX XXXX  ABOUT EVER GETTING ANY LOANS OR PRODUCTS FROM THESE XXXX XXXX EVER!!! I WANT MY MONEY AND CREDIT REPORT CORRECTED AND THEN BE DONE WITH THESE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.