davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (NY)

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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite submitting copious documentation proving the fraudulent nature of these accounts, your bureau seems content to let them fester on my report without any valid verification or effort to rectify the situation. This negligence on your part is not only unacceptable but also a blatant violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting. I was the victim & XXXX not sure why the FCRA is not complying with the law. Allowing these fraudulent accounts to stained my credit report and decreases my credit score has caused too much distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand immediate action to rectify this situation and a thorough explanation as to why your bureau allowed these fraudulent accounts to exist without proper verification. The burden of proof lies with you, and your lack of diligence in ensuring the accuracy of my credit report is inexcusable.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I ordered an updated credit report when I was denied a loan. When I received it, I noticed personal information and questions that were unrelated to me. I've lost my SS and Birth Certificates ; I'm assuming someone is using my identity. In addition, incorrect personal information and fraudulent inquiries were made : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: EQUIFAX, INC. (NY)

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 2019-07-10
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: Experian Information Solutions Inc. (OH)

I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX # XXXX Bal {$4200.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX BAL {$1400.00}
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (HI)

On XX/XX/XXXX, I successfully instant transferred XXXX from my Venmo balance to a debit card ending in XXXX. It is a virtual debit card issued by XXXXXXXX XXXX and XXXX. This payment never posted to my XXXX account. I contacted Venmo and opened a dispute ; they told me to contact XXXXXXXX XXXX and they also provided tracing details for the transfer. I contacted XXXXXXXX XXXX and XXXX more than 30 times and no one can see the transfer. It has taken hours each day to try and resolve this according to Venmo 's instructions and information -- -as they are unwilling to do the work of resolving an issue that they created, if indeed the money can't be transferred to XXXX -- and I have suffered stress and time lost because of it. 

Then, on XX/XX/XXXX, I again conducted an instant transfer of XXXX via Venmo. The card ending in XXXX was still on my account and the money went there YET AGAIN. I contacted Venmo within ten minutes of the transfer, having realizing that this was going to be yet another serious issue in which I might lose time, money, etc. Venmo said that they couldn't do anything, as it was successfully completed. I again opened a dispute and asked for tracing details ; I again chatted with numerous customer service agents ; I again contacted XXXX XXXX and XXXX and have extensive correspondence with all of these companies. I have been told that 1 ) Venmo is lying 2 ) money isn't there 3 ) Venmo should call them. I've related all of this information to Venmo and they keep insisting on on the tracing information. 

I want my money back. I want this resolved. it's fair to request that I received compensation, too, for all of the time, money, and hassle. This business assured me that the money would be transferred, that it was available on the bank 's end, and that the solutions they provided, such as contacting relevant parties, would fix this. It hasn't. This is immoral and unacceptable.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TN)

Tried to get car insurance with XXXX and XXXX but LexisNexis provide incorrect and false information on a accident and claim. The LexisNexis company is giving FALSE information to insurance companies. The accident they reported was on XX/XX/year> and was NOT me or the car I just bought. I was NOT in that accident and the car I just bought was NOT the car in that accident. I have never been in an accident or had a traffic ticket. 
The VIN numbers don't match and the drivers License number reported on that accident don't match. XXXX XXXX company doubled my insurance ( that I must have by law ) to drive my car based on FALSE information provided by LexisNexis Risk Solutions. 
How many others have had this issue with false info from LexisNexis Risk Solutions?? 
How many other people have paid higher insurance rates based on false information provided by LexisNexis Risk Solutions to insurance companies?
Consumer complaint received 2023-09-17
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)

These companies are being reported as hard inquires on my credit report, and I do not recognize, nor have I given consent to any of them to pull my report. According to the consumer laws for my protection the following companies must provide documented proof with my signature on it stating that I authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from my credit reports. 
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
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation (CA)

I voluntarily sold my car. I originally about my red XXXX through XXXX and was approved through Bridgecrest. I got into a car accident that I attempted to repair, but due to my loss of job resulting in low income, I could not make the car payments and voluntarily gave up my car to Bridgecrest. They sent me about 3 documents in the mail : one document stating how much is sold, one document asking if I wanted to buy the car or they were going to sell it, then a final letter stating they sold the car and the updated balance owed. 

I did not receive any other correspondence in the mail nor phone call. I made several calls to update my address and to see about a payment plan. All I was told was that I would have to call in to make a payment over the phone or a payment by money order or cash in the mail. I asked for a payment plan or to settle for lower due to my financial income and on the brink of bankruptcy. They denied and said they couldn't do that and to just call.

I have since asked for validation of debt to be mailed to me as well as requesting a 1099C as they reported my account as closed. As they reported this account as closed/charged off on all credit bureaus, they should have sent me a 1099C to me. They have not and this account is still reported on my credit report. I have sent several certified mail requesting documentation and have not had any response to this. All I want to do is correct this in a way that I can afford and they refuse after many attempts on my end.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In the past XXXX months XX/XX/24 XX/XX/24 Ive been working on my credit. I sent certified mail to all XXXX Credit bureaus and a lot of information has not been changed. I sent the certified letters to let them know there were hard-hit inquiries that I did not approve. I also sent copies to show them. Which ones wasnt approved by me. There is a reason XXXX XXXX score is a XXXX to XXXX point difference than the other XXXX bureaus and its because they have information incorrect and they refused to fix it. I dont know what I can do. I dont believe any other took off the incorrect information which was a lot of inquiries out of XXXX XXXX Florida XXXX which I did not agree to run my credit for considered hard hits and they havent been removed the issue with XXXX XXXX XXXX why my score is so much lower. I can not figure out and there was no assistance when I spoke to them.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-19
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX Phn : XXXX XXXX XXXX Subject : Opt-Out Request Pursuant to 15 U.S. Code 6802 Section C and 12 CFR 10167.7 Dear ________________Consumer Assistance, I am writing to formally request that you cease and desist from including my consumer credit information in any prescreened lists provided to third parties for the purposes of extending credit offers, pursuant to the provisions outlined in 15 U.S. Code 6802, Section C. I believe this request is well within my rights as a consumer, and I trust that you will promptly adhere to this directive.

Enclosed with this letter is a certified Uniform Commercial Code ( UC ) 11 search, providing evidence that there are no outstanding liens against me from any of the following Information : All hard inquiries All Public records All Collections accounts All late payments No one has the authority or my written consent to report by law.

This document serves as confirmation of my financial standing and further supports my decision to exercise my right to opt-out under the legal provision.

I would like to draw your attention specifically to 15 U.S. Code 6802, Section C, which states : " C ) Opt-out. A consumer shall have the ability to prohibit a consumer reporting agency from making any prescreened solicitation to the consumer with respect to any transaction that is not initiated by the consumer, by notifying the agency in accordance with procedures established under subsection ( e ). '' In accordance with the law, I hereby notify you that I am opting out of any prescreened solicitations with respect to transactions not initiated by me. I expect you to promptly process this opt-out request and ensure that my consumer credit information is not included in any prescreened lists provided to third parties.

Furthermore, I refer to 12 CFR 10167.7, which outlines the procedures for consumers to opt-out of prescreened solicitations. I request that you adhere to these procedures and confirm in writing that my opt-out request has been successfully processed.

Please send confirmation of my opt-out status to the address listed above. If there are any additional forms or information required to complete this request, kindly provide those details promptly.

I appreciate your prompt attention to this matter and expect you to comply with the legal provisions mentioned herein. If you have any questions or require further clarification, please do not hesitate to contact me at the phone number or email address provided. 

Thank you for your cooperation in this matter. 

Sincerely, Enclosures : Certified UC 11 Search
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation (FL)

I am not sure where this even originated or what company this is. Never heard of them not sure what this amount is for. I see this {$17.00} amount on my bank credit report as a debt collection. I was not ever checking my report but recently went to get a truck loan and seen that I have had this in collections for {$17.00} since 2018. I just want more information to get this removed. I tried contacting the phone number that is linked to this company in my statement but it is disconnected and the company does not have a website, that I am aware of. Thank You!
Consumer complaint received 2023-12-19
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. (CT)

During the periods that these account where open I was incarcerated and never opened these accounts. The accounts use a middle name that I never use and these accounts have the wrong address and contact info. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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. (NJ)

I Currently have some inquiries on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL
Consumer complaint received 2023-12-19
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AR)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-12-19
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. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

It is extremely difficult to understand how your rewards points balance is computed, much more difficult then I have experienced with other card provider. I do not believe that timely, accurate and complete rewards information is included on account statements, therefore I am left without an accurate accounting of rewards accrual, usage and balance. How many points have I earned, how and when have they been used, how many do I currently have ... this basic accounting information feels like it is being purposefully obfuscated.
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AK)

Earlier this year, Synchrony Bank closed my Ashley 's Furniture account without notice. The account was in good standing, as are the others 2 accounts that I have with Synchrony Bank. XXXX of the XXXX remaining accounts I paid off in XXXX XXXX have not responded to requests for information about why they closed the account. They reported the account closure to the credit reporting agencies as a dispute resolution when there was no communication between myself and Synchrony Bank. As of XX/XX/year>, they are increasing my monthly payments to {$97.00} even though they know that I am a XXXX XXXX XXXX XXXX female that can not work more than XXXX job. I don't understand what is going on, or what I can do to stop Synchrony Bank from abusing a good customer. The whole situation is out of control.
Consumer complaint received 2024-05-17
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had too late payments on an account that I was in fact paid on time. The consumer reported an agency need to report all information with complete accuracy. This account should not l have late payments. I have attached A copy of my report for this complaint. As you will see the inaccuracies between XXXX XXXX Equifax and XXXX, I am now requesting you to investigate and provide verified proof with record showing that I had late payments. If the information can not be verified, I demand these payments be updated to pay on time immediately thank you for understanding.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Dispute # XXXX # XXXXXXXX XXXX Filed dispute for three duplicate charges {$150.00} each {$450.00} total XX/XX/ denied XX/XX/XXXX  Reopened and still being investigated and I have not been provided temporary credit. 

The original valid {$150.00} transaction I made was on XX/XX/ but it was refunded XX/XX/2XXXX by XXXX XXXX the remaining three are duplicates