davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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)

XXXX XXXX XXXX, XXXX XXXX XXXX and Transunion, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 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.

( 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. 
At this time the account with XXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.
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: Experian Information Solutions Inc. (TX)

It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report. This is my new complaint that I was the victim of incorrect credit report information that I encountered. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which 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 : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts are a mystery to me. Please note Im sending this letter certified to protect my rights. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2023-08-25
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. (GA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Please delete this account immediately.
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After checking my credit report, I noticed a fraudulent medical account on my profile. This is causing me distress as i am a XXXX XXXX XXXX veteran. My income is limited and this is in the way of me getting improved for anything. I have my healthcare paid for by the government and this is NOT MINE. Please remove the medical account number " XXXX '' from my report.
Consumer complaint received 2024-06-25
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. (VA)

I demand these unauthorized fraudulent inquiries be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX 

ALSO remove these addresses from my credit report that I've never lived at : XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, and XXXX XXXX XXXX XXXX, VA XXXX ALSO remove all derivatives of my name from my credit report and only update my report with XXXX XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or was opened without my permission. XXXX XXXX XXXX Balance : {$3500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting inaccurate information on my consumer report. The two accounts the XXXX XXXX and XXXX I demand that these inaccurate items are deleted from my report immediately. I previously disputed XXXX XXXX with Equifax and they concluded that the account was verified. However, in the letter attached, the company stated that they didn't file a 1099-C. I am confused as a consumer ; is this alleged account a charge-off or not? Did they verify that a form 1099-C was filed before Equifax allowed XXXX XXXX to report this item as a charge-off on my consumer report? Was there any verification or validation done? In addition, the account named XXXX is reporting inaccurate on my consumer report as well. 
Under your laws 1681 ( e ) ( b ) a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. As a consumer who needs their consumer to be accurate, I have been injured financially because these inaccurate items were parked on my report. Then Equifax verified this inaccurate information has led me to lose confidence in their reporting methods because it's unfair and inequitable.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

The companies below are violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my permission nor written signature to report this information to my credit report this information is not accurate and incorrect it is fraudulent. I demand that the information below gets removed immediately. 

XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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. (GA)

TransUnion Fraud Victim Assistance Department po XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The item listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) | have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
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: Experian Information Solutions Inc. (NJ)

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 XXXXXX/XX/year>
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Volvo Car Financial Services U.S., LLC (CA)

We had a lease of a XXXX XXXX, beginning in XX/XX/XXXX. My husband incorrectly believed he had set up direct deposit for recurring payments to the lease. On XX/XX/XXXX, we noticed the car was no longer parked on our property and learned it had been reposessed by Volvo due to lack of payment. My husband called and said we would pay the amount owed ( {$5500.00} ) as well as any penalties for our mistake.

We were then informed by Volvo that they had tried to contact us ( one letter and one phone call ) and we must pay off the call in full, or it will go to auction. We never received any letter detailing this and my husband answered the call, said to call back as he had a work call, they did not detail what it was about and did not call back. 

We are in possession of a letter, which we faxed to the leasing agent, which is an invoice for lease payments ( {$4300.00} ) plus a {$60.00} late charge DUE XX/XX/XXXX. Our car was seized from our property 5 days prior, on XX/XX/XXXX. 

We faxed this letter to the leasing company and have tried repeatedly to speak with a supervisor, who is always " busy '' and whose line or direct contact information has not been made privy to us, despite numerous requests. 

The most recent communication we had was outlining $ XXXX with only a {$60.00} late charge, now we're being told we must pay $ XXXX or have the car go to auction- at which point we will be responsible for any balance under a selling price of {$65000.00}. The punishment far outweighs the " crime '' and we are asking for help in negotiating that we settle up at the requested {$5500.00}, have our car returned to us, and restart our lease with autopay correctly setup.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

there is an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX  account # XXXX date opened XX/XX/year>XXXX XXXX
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I opened a checkings and savings account with USAA in early XXXX. On XX/XX/XXXX, they sent me a welcome letter, and it had trouble getting to my XXXX XXXX XXXX XXXX XXXX The gentleman in charge of my dorm had me change the format of my address slightly, but it was nearly identical to the previous address. About a week later on XXXX XXXX USAA locked my account. I wasn't sure why, so I called, and they told me they were experiencing technical difficulties and I should wait a week. When I called again, I had to talk to 2 or 3 people before anyone was able to figure out the source of the problem. They told me that USAA was exercising its right to no longer do business with me, and they were closing my account. Their reason for this was that they thought someone had broken into my account. I called the fraud department, and the guy I talked to said it was change of address. I read off the old and new addresses I had, and he said the current one was neither of those, and I had to provide proof of identity to access the new address. I went through the process and talked to a lady who told me the current address was the same as what I had changed it to. I'm not sure then why the fraud guy saw a new address. I was told the escheatment process was being conducted and they would send me a check 30 business days from the close of the account, around XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter saying they were still conducting the process and I could reach out with any questions. I have reached out to him a few times, but he never answers, even if I try all times of the day. He never returns calls even if I leave voicemails. I called again on XXXX XXXX 1 month after I was supposed to receive the check, and I got the same response. I talked to multiple people and was on hold for very long periods of time, and everyone kept saying they had no idea when the check would be sent because USAA is still investigating. They acted like the process would be timely when I talked to them earlier, so I am not sure what is taking so long. There seems to be no resolution to the issue, and I would like access to my money instead of it being locked up in USAA 's hands. The lack of transparency and constant " you're not my problem '' attitude is very troubling.
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: Experian Information Solutions 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. 

XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX. 
ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX. 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT #, 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 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 2023-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC (FL)

I signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. On page 8 of the contract there is no one listed as a assignee or interest holder in the vehicle or contract and there is a blacked out area for the signature of the seller. On XXXX XX/XX/XXXX I received a copy of the contract from XXXX XXXX of XXXX XXXX with an alteration on page 8 that was done without my knowledge and I did not agree to. American Credit Acceptance , LLC was added as the assignee and the seller signature box was signed by hand. It clearly shows the contract was changed after the day of signing. On the day of signing all signatures were electronically signed. At the bottom of the original contract that I received when I left shows the date of XXXX XX/XX/XXXX. On the bottom of the altered contract the date reads XXXX XX/XX/XXXX. The is shows deceptive and unfair business practices and FRUAD.

AMERICAN CREDIT ACCEPTANCE , LLC used a fraudulent contract to repossess my vehicle which is fruad. AMERICAN CREDIT ACCEPTANCE , LLC had/has no interest in my vehicle per the original contract. I have no agreement/contract with AMERICAN CREDIT ACCEPTANCE , LLC XXXX 
XXXX all violated a number of other consumers laws outlined in the documents I've attached, such as, forcing me to put a cash down-payment of {$750.00} because of my alleged poor credit when this was a strictly credit-only transaction, misleading tactics, lack of disclosures and other violations.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am currently reviewing my Equifax Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( 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 ; ( 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. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b  ) XXXX Experian Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX v Experian XXXX , Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!