davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or correct the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (AZ)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX $ XXXX. XXXX XXXX XXXX experienced a significant data breach in XXXX XXXX XXXX XXXXXX/XX/year>, it was reported that hackers had stolen the personal information of about XXXX XXXX XXXX XXXX XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. 
I want these items deleted from my credit file. 

XXXX XXXX XXXX XXXX Blaze XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. 

The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request that AT & T provide complimentary credit monitoring services and identity theft protection for a minimum of XXXX years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. 
Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. 
Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. 

Please acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. 

Thank you for your immediate attention to this serious issue. I look forward to your prompt response.
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am a victim of identity theft. Someone used my personal information to open accounts, credit cards, and make unauthorized purchases in my name. I discovered this when I received bills and collection notices for accounts that I did not open or authorize. This has caused me a lot of stress and XXXX, and has damaged my credit score. I have reported this to the Federal Trade Commission ( FTC ), and I have requested copies of the fraudulent records from the companies where the fraud occurred. I am working hard to restore my identity and clear my name.
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. (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 XXXXhelpmeoutby 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 2023-11-03
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. (FL)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts : 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA XXXX, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit file.
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-17
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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
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)

I am interested in processing disputes on my credit report to delete a remove the invalid information That has been hindering my file. none of the information listed has been verified by FCRSA. this has caused major denials in my credit repair process. please review and remove all information listed to help clear my file asap.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I was having a hard time making my payments on my car after COVID-19 started. I worked at XXXX XXXX  at the time. My hours at work got reduced from 40 hours a week to 15-20 hours a week depending on the amount of work that was needing to be done. I contacted Credit Acceptance Corp. and asked if I could defer my payments until my work hours picked back up. I was informed that I should not have bought a vehicle that I could not pay the loan on. I am aware that no one could have predicted that COVID-19 was going to happen or that my hours at work would be cut in half. I tried to explain to the guy I talked to on the phone that my hours were only going to be like this for a few weeks, maybe a month. The guy informed me that I could pay the payment late, but that there would be a late charge and he would not be responsible if my car got repossessed. I got behind in my payments, because my hours at work were cut in half for over a month and a half. I once again contacted Credit Acceptance Corp. I asked if there was a way to refinance my loan and see if my payments would go down so I could afford to keep my vehicle. I was told that they would not refinance my loan and that that was something that their company did not do. I tried refinancing my loan through several different loan companies as well to see if maybe I could switch companies and have someone easier to work with. No lender that I contacted would touch my loan or refinance me, because my loan was through Credit Acceptance Corp. In XXXX of XXXX my grandmother passed away. I was her POA and had to take time off of work to deal with legal things for her and plan her funeral. I then got even further behind on my loan since I had to take time off work for her funeral and planning and legal things pertaining to her passing. I tried in XXXX of XXXX  to trade my vehicle in on a different vehicle. I was informed by the dealership that I could not trade my vehicle in, because of it having a loan through Credit Acceptance Corp. I then gave up on trying to pay for the vehicle and called Credit Acceptance Corp. I asked again if they would work with me on my late payments. I was told no and that they were going to repossess my car. I informed them the address and time the car would be parked at my house for them to come and take it. I voluntarily chose to surrender my car for repossession. I was given no other choice at that time. I am now being sued by XXXX XXXX XXXX for not paying off my loan. They sold the vehicle at auction and did not get close to the loan pay off price of the vehicle. They are now telling me that I have to pay the remaining balance on the loan, which I feel is wrong. It was never my intention to default on my loan and have to give my car up for repossession. I was not in control of my hours being cut at work and COVID-19 happening and changing my financial situation.
Consumer complaint received 2024-05-17
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. (IN)

I submitted a dispute XXXX with all XXXX credit bureaus about the XXXX  on my report, they replied and stated it was verified and would remain on my credit report. I also sent a letter to the XXXX court asking do they verify, or report items and they responded they do not. 

Please see atatched.
Consumer complaint received 2024-08-08
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 have never given my unwritten, written, nonverbal, and verbal consent for any of my information to be disclosed to anyone or third-party. per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, Equifax, XXXXXXXX XXXX XXXXXXXX. My information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information
Consumer complaint received 2024-08-08
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)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one Bank was told there were unauthorized fraudulent charges made to my account. I went to one of the locations and spoke to a representative who credited the account. Capital one ( an oversees branch or division ) claims that no credit was ever issued for one of the transactions, ( receipt from merchant is attached to this complaint ) so they refused to credit the other transactions and they stole the credit issued by the merchant. ( this may sound unusual, but capital one appears to have somehow deleted the credit 's issued by the merchants, and essentially stole money from the checking account. 

I did not give capital one the receipt that showed that the merchant credited the account because I wanted to be sure that what they call an investigation is not an investigation at all, Capital one is simply just denying claims. So they do not know, I have documentation proving the account was credited and in so they are committing fraud on American consumers from an over sees branch/division and essentially robbing those who use their services in the US. One document is attached proving this is attached to this complaint.

Below are charges added to the capital one bank account this morning, by the offshore capital one operations... 

XX/XX/XXXX Icon Dispute Credit - XXXX XXXX XXXX XXXX Provisional Credit + {$81.00} XX/XX/XXXX XXXX XXXX XXXX Purchase XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX Dispute Credit Reversal - {$49.00} {$550.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$62.00} {$600.00} XXXX XXXX XXXX Decrease Int Paid ( XXXX ) Decrease Int Paid- {$0.00} {$660.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$49.00} {$660.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$7.00} {$710.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$12.00} {$720.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX GE Dispute Credit Reversal XXXX {$21.00} {$730.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$15.00} {$750.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$10.00} {$770.00} XXXX XXXX XXXX Decrease Int Paid ( XXXX ) Decrease Int Paid- {$0.00} {$780.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX  XXXX XXXX XXXX  Dispute Credit Reversal XXXX {$50.00} {$780.00} XXXX XXXX XXXX  Dispute Credit Reversal - XXXX XXXX XXXX GE Dispute Credit Reversal XXXX {$7.00} {$830.00} XXXX XXXX XXXX Decrease Int Paid ( XXXX  ) Decrease Int Paid- {$0.00} {$830.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX Dispute Credit Reversal - {$140.00} {$830.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX  XXXX XXXX WI Dispute Credit Reversal - {$30.00} - {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Purchase - {$120.00}
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.