davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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. (MI)

Dear transunion, I am unaware of these accounts I believe this to be fraudulent and I would like this to be removed. Thank you. 


XXXX XXXX  : Acct # : XXXX : Amount : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX : Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX : Acct # : XXXX : Amount : {$0.00}
Consumer complaint received 2023-04-30
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. (NJ)

There are a number of unauthorized hard credit inquiries on my credit reports. I did not make these inquiries. I have reached out to the credit reporting agency, as well as the companies, reporting the inquiry and have not been successful.. they each tell me I have to call the other to have the inquiries removed and I get nowhere.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In a

ccordance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (FL)

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681 and 15 U.S. Code 1666. U.S. Code 1681 Section 602 states that I have the right to privacy, 15 U.S. Code 1681 Section 604 ( A ) Section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions, and under 15 U.S. Code 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. In addition to reporting late payments, on XX/XX/year>, this creditor responded to a CFPB investigation and I noticed that multiple inaccuracies are being reported on my credit report by this creditor. This creditor has re-aged this account, continuously report the account as active when the account was closed, and this creditor also refused to settle the account insisting I make payments on the open end payment plan due by XXXX XXXX,
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXXXXXX XXXX XXXX XXXX, XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-05-17
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)

The XXXX entry currently displayed on my credit report is inaccurately depicted. The case labeled as valid and precise is, in reality, incorrect. No trial or judgment has been associated with this case. Without a proper judgment, there can not exist a valid case. 

It is imperative that you promptly eliminate this account from my credit file. The XXXX XXXX XXXX case with the number XXXX must be expunged immediately as it is fraudulent. Failure to address this issue and persist in reporting inaccurate information will compel me to pursue legal recourse. I have sought advice from my legal counsel, and if this matter remains unresolved within XXXX days of this correspondence, legal proceedings will be initiated.
Consumer complaint received 2024-05-17
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)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$280.00} XXXX XXXX - XXXX {$130.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX TX - XXXX {$1300.00} XXXX XXXX  - XXXX XXXX - XXXX {$24000.00} XXXX XXXX - XXXX {$5.00}
Consumer complaint received 2024-05-17
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (GA)

To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. 

Attached are the following supporting documents : My government-issued ID The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX Your Contact Information ]
Consumer complaint received 2024-07-18
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

With XXXX XXXX, it is saying I dispute my credit report after resolution, when I dont. So now I have to dispute that I dont dispute the report - excepting the comment that I do dispute the report. This sounds like a very bad riddle. XXXX XXXX should do the right thing, and remove inaccurate commentary. Nothing else is disputed.
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (FL)

I called iq data international on XX/XX/year> to get some information on my debt that appeared on my credit after XXXX months. I also wanted to know if theres anything that they can offer me to lower the amount as I was speaking to the representative. The only thing she said she can do is take my card information and see if I can make a payment now for it to be removed off my credit report. I did let her know that unfortunately I wont be able to make a payment now, but I can make a payment in XXXX. For the full amount of {$1400.00} she proceeded to tell me if any family members or anybody that I can borrow the money from. I did let her know that I dont have anybody times is hard so theres really nothing I can do but wait until XX/XX/XXXX to make the payment she proceeded to say that she would transfer me to higher up after being transferred, and talking to somebody all they kept on doing was trying to force me to get a loan to pay off this debt, and she kept on telling me That. oh I dont care about my credit. I dont care about anything at all because if I did, I would just go get a loan and pay this off. I did tell her I have bills I have things I have to pay and thats why unfortunately I cant make the payment now, but I can do it in XXXX. They did not care about that. She was very rude very unprofessional after waiting a couple minutes I did call back and I spoke to someone else. She was very nice. She gave me my account information I went into mine account as I enter my account, I seen that they had options where they show that they can take off of my balance, and and I can add a later day which I wanted to be XXXX all of this was online but the people I spoke to over the phone gave me false information saying that I can not pay it online saying they did not have a option to reduce the price and also put the day further then todays date all they wanted me to do is pay you now or point me in the direction to get a loan or payday loan which is very unprofessional they also said Theyre the only ones that can remove this off my credit, even after paying it, and really just trying to force me into doing something that I know I could not do now then the date that I have provided to them which would have worked and come to find out all of the things I was asking for, was provided to me as soon as I logged in into my account
Consumer complaint received 2024-06-17
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. (IN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I Sent {$100.00} to a family member living in XXXX back in XX/XX/year>, the money was never delivered, i called money gram customer service, and a case was opened to determine why the delay in the transfer. 

After several weeks, i got email from money gram Your transaction was not deposited by the disclosed date of availability. 

After completing our investigation, we have determined that an " error '' may have in fact occurred with your transaction. We apologize for the delay in the funds being made available I was later informed thereafter that the money has been deposited in the receiver account. 

I called the receiver to verify, but she never received the money. 

Till now the receiver is yet to receive the transfer. 

In the same email- money gram offered to refund my transfer fee, but what about the original transfer amount? I expect full refund so i can utilize another transfer company to send the money to my family member in XXXX
Consumer complaint received 2024-05-17
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC (TN)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX  v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

Someone successfully opened a Capital One credit card with a {$1000.00} limit in my name, without my knowledge. I suspect this may be linked to a renter 's application I submitted four days prior. The application required me to upload pictures of my ID, Social Security card, and home address. 

The rental application was completed on a website called XXXX  which appeared legitimate when I reviewed it. However, after I sent a {$65.00} XXXX payment to the supposed landlord, I noticed some inconsistencies : his name on XXXX differed from the name associated with his cell phone. When I questioned this, he claimed the other name belonged to his lawyer. Fortunately, I didn't send the additional {$400.00} required to secure the rental. 

Four days later, I discovered that a Capital One credit card had been opened in my name, likely as a result of this scam.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Zions Debt Holdings (CA)

In XX/XX/2023, I suddenly found a collection account on my report from Zion 's Debt Holdings for XXXX XXXX XXXX for {$470.00} on my credit report. I have never opened an account with this company and no one has ever contacted me before regarding an open debt. I do not owe them anything. I'd like to get this removed from my account immediately. I believe they are scamming people out of money as many consumers reported the same thing on similar websites. I have made multiple attempts to tell them to remove the account as I never opened it. I have attempted to contact them to resolve this and they are very rude and disrespectful. I do not owe them anything and I want this off my credit report.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX Capital One contacted me about a bill, we came to an agreement and i paid the bill off. It was updated XX/XX/XXXX but its still on my credit report XX/XX/XXXX. The right amount was not provided in my credit report or steps to fix.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I made a purchase for pillows from XXXX  which advertised 30 day money back guarantee. The pillows made my body feel worse and in pain. Each time I reached out to the merchant to send me a label they never responded by email or phone. I contacted capital one to dispute the transaction. Capital one closed the disputes in the merchant favor and did not send me correspondence about the dispute or advised me to do anything after opening the disputes with a agent over the phone. The merchant waited until the last moment to respond to the dispute stating i got my merchandise. The issue is not getting my pillows but instead the guarantee the merchant is false advertising. I submitted all documents of calls and emails to the merchant as well as the merchants advertising and no update and case still closed
Consumer complaint received 2024-06-18
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: TRUIST FINANCIAL CORPORATION (CO)

I am unable to create an account to track my mortgage with Truist.com As a result, I miss important information about my mortgage payments. Eg my monthly payment increased, I didnt know. 

I have repeatedly asked for Truist to MAIL me information since I am somehow unable to create an account. 

The account creation issues include : 1. They need to send me a code to verify my identity. XXXX XXXX is unable to send me the code. They can not fix this. I must take it up with XXXX XXXX as this indicates that I must have blocked Truist on text. ( False. I actually want to hear from my mortgage company. ) 2. I recently received a letter telling me my mortgage payment was short. It had increased, but I had not been informed prior to the increase. 

3. I tried to do as that letter suggested and create an online account again. My zip code did not match the zip associated with my account, and I was eventually timed out for too many attempts. 

I live in the home. My name is ON THE LOAN. 

I suspect this stems from a divorce. My ex-husband is able to get information on the loan. He doesnt live here nor does he make the payments. 

Ive been told to ask your husband to make the account since he has access. ( My response : ex. Ex-husband. Also theres a restraining order in place and contact is not allowed. ) Pretty sure theyd have no problem suing me if the loan went into default, but here we are.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.