davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts : 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-09-25
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. (CO)

Called several time regarding these accounts. They were removed and closed but reappeared on my credit profile. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was overlooking my credit report on XX/XX/year> and noticed several inquiries that should not be on my report as the were supposed to be pre-screened soft-pull offers with no affect to my score.
Consumer complaint received 2023-05-04
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts : there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-05-13
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. (NC)

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 informationisinaccurate.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've always ensured that payments on this account are made on time, avoiding any overdue charges. I'm unsure about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-07-15
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)

XXXX XXXX XXXX XXXX XXXX {$13000.00} this is not my account I requesting to remove from my credit report. also requesting original signed document showing other wise.
Consumer complaint received 2024-05-13
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)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards to reporting, including incorrect amounts and dates.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (VA)

I reached out to this company via certified mail for verification and validation of a collection account on XX/XX/year>. A few days later I received a phone call on voice mail from this company. When I checked my credit report information a month later I noticed a second company had started reporting the same collections.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

Chime financial institution again continue to violate consumer rights an there investigation department is a farce I've contacted the merchant for my disputed charges whom informed me they haven't asuch as received a phone call in regards to my disputes XXXX  days after after waiting XXXX  days for this transaction to settle chime is open XXXX  days a week which means the weekend counts as a business day so trying to use the weekend as a copout to hold my money is baffling
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (PA)

I requested that they allow me to validate the alleged debt. provide me with a breakdown of all charges, dates of service, including fees associated. My dispute was denied and debt was never verified but the collection remained on my credit report, negatively impacting my credit score. Please help me resolve this matter.
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (DE)

Accordance to 15 USCode 1692 ( c ) communication in connection with debt collectors. Title 15 sub16-11 false and misleading denial of my own credit. HRJ-192 United States obligations.15 USC 1693 ( L ) Breach Of Contract, Fraud Of The Inducement. 15 USC 1581- Permissible Purpose. 15 USC 6802 must not disclose without approval
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. 

I XXXX XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

XXXX SUBMITTED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-26
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (KY)

am writing to bring to your attention a matter concerning a fraudulent automotive inquiry associated with my name. Upon reviewing my credit report dated XX/XX/year>, I noticed an inquiry from your institution regarding an automotive transaction that I did not initiate nor authorize. 

This unauthorized inquiry has potentially negative implications on my credit profile, and as such, I kindly request that you remove it promptly from your records. 

Please note that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers be protected from identity theft and fraudulent activities related to their credit information. 

I trust that you will handle this matter with the urgency and attention it deserves. Your cooperation in promptly rectifying this issue will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the fraudulent inquiry from my credit report.
Consumer complaint received 2024-08-30
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. (SC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (AL)

I filed XXXX XXXX Bankruptcy, this Bankruptcy was discharged XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for one XXXX. I pay a monthly membership fee to XXXX for services to see and dispute my credit report. last 20 days I have filed over 7 disputes, with all results being that XXXX finds the current information to be accurate and no changes made. On XX/XX/year> my XXXX credit score I could see was XXXX, XX/XX/year> my score XXXX, World Finance Acct ending in XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and Avail Credit of - {$3500.00}, Comments " Charge Off ''. XXXX refuses to update this account as Discharge XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. 
I am suffering from XXXX and World Finance illegale reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in XXXX XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and XXXX and World Finance are dilertly causing un-repairable harm to me by the wontan disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
Consumer complaint received 2024-06-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (NH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which makes this unfair practice. According to the FDCPA, l 'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been a victim of identity theft and that no one seems to care, that I want to disputespecific records in my credit file that do not belong to me, or that I have signed anyagreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX ; Bankruptcy XXXX XXXX XXXX Date XXXX Reference # XXXX ; Certified Credit Repor XX/XX/XXXX ; XXXX XX/XX/XXXX ; Certified Credit Rep XX/XX/XXXX ; Certified Credit XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; Credit XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I was contacted two days ago by Navient trying to collect on my private loan of {$32000.00}. When speaking to the agent, I requested a form the school misconduct discharge application. The reason I requested it was because becase I was lied to by the school I attended XXXX XXXX XXXX XXXX they stated they were an accredited school however, the credits are not transferable to any college and the diploma is not recognized by the state of Florida. I attended XXXX XXXX XXXX XXXX, This school was included in the lawsuit of XXXX XXXX  XXXX And deemed a predatory school. This form is so I can have my private loan discharged. However, Navient will not send me this form!
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: EQUIFAX, INC. (GA)

I have tried to remove these unauthorized inquiries report repeatedly and am not getting the help or results I need. I have submitted FTC reports, police reports, and called Equifax over and over while their representatives lie to me and tell me that they will be removed in 24-48 hours with no results to show even weeks later. These fraudulent inquiries are holding me back from moving and improving my credit score. Please help me as soon as possible.
Consumer complaint received 2023-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Good afternoon, Capital One account ending in XXXX {$1800.00} Registered Securities were sent and account paid in full. 

15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!