davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (KS)

I have recently received a copy of my credit report for LexisNexis, which I see that there is a bankruptcy showing on it. I have tried to dispute it with them, and have not gotten any results back. I was disputing it for incorrect information, as they have stated the person reporting this information is nonother than the US XXXX  Court Of Kansas. I have checked with the US XXXX  Court Of Kansas, and have received a letter stating they do not report to anyone. I have attached said letter for the records. I would like to get this handled as soon as possible. I am thankful for the time that would be given to investigate this complaint, and I look forward to hearing back from you all.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (TX)

There was an account open with a lease to own company named Acima that I have used once before that is not mine. The account was opened in XXXX  and I live in XXXX I looked at the account online through their mobile app and the payment information they have is not mine. The banks name is XXXX and I have never had an account with them I have had XXXX XXXX XXXX XXXX for the last 12 years.
Consumer complaint received 2024-05-12
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I first became aware the capitol one account that was fraudulently open in my name around XX/XX/2023 from my credit report as so as I seen how much it was effected my credit score I did my research and I knew the account did not belong to me what so ever so I reported and keep reporting it and disputing it and have got no solution yet
Consumer complaint received 2024-05-12
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. (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 2020-07-29
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I was on a COVID forbearance with PennyMac but it is showing up that I am behind on my mortgage. That is not correct. I am in the process of trying to work out a loan modification. The company keeps stating that I am protected but that is not correct.
Consumer complaint received 2024-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-04-01
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my consent.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (NC)

Reference complaint XXXX. Negative impact on credit score showing I closed an account. The Reference no is to the original complaint of not knowing about this card. The fact that I did not authorize transferring my 9.99 % account to a 25.99 % card. Which they charged me a {$41.00} fee to transfer the balance without my authorization. Predatory.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-12
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. (NY)

These companies looked at my credit without authorization and I want them removed from my credit form immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> thank you
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i recently paid {$29.00} for a transunion membership and noticed inaccurate information in my credit file, i attempted to remove an address that is not mine, but there is no where on the site to have that disputed or removed. i have been a victim of identity theft and only want one address
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

Approximately XXXX of XXXX I closed my Chase bank account. In XX/XX/XXXX my 401k provider mistakenly made a deposit of {$2100.00} into the now-closed account. The 401k has frozen my account until I can pay the funds back. 

I contacted Chase bank in XXXX of XXXX and Chase stated that the transfer had been reversed and the money returned to the 401k provider. 

After nearly a year of trying to co-ordinate appointments with the 401k provider and Chase bank together, in XX/XX/XXXX Chase stated that the funds had in fact not been returned to the 401k provider and had been sent to me as a check back in XXXX. I never received this check and on XX/XX/XXXX I had an appointment with either XXXX or XXXX at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, MI. 

The specialist assigned to the case in the 401ks behalf was XXXX from the XXXX XXXX XXXX XXXX : XXXX The purpose of this meeting on XX/XX/XXXX was to sign an affidavit stating I did not receive the check and to cancel the check and have a new one reissued. So, I show up to the appointment only to be told that the paper I need to sign requires a notary and that a notary was not currently on duty. 

Because I have a life and responsibilities of my own, I was unable to return to the branch until XX/XX/XXXX. On XX/XX/XXXX I returned to Chase and spoke with XXXX XXXX. XXXX was very helpful, we got the paperwork signed and notarized and Billings followed up with my by phone later that day and told me that the Chase back office stated the check would be re-issued in 10-14 days. It has now been nearly a month and no sign of the check, and a year since Chase initially claimed that the money had already been sent back to my 401k.

Cumulatively, I have spent roughly 20 hours of my own time getting this issue sorted out. At the end of the day this isnt my money or a problem created as a result of any action taken on my part. XXXX XXXX XXXX  401k program fat fingered a deposit to an account Chase failed to close when I called and closed the account. Everyone at the XXXX XXXX XXXX and everyone at Chase bank is getting paid to give me the runaround and fix their mistakes free of charge.
Consumer complaint received 2024-05-12
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. (PA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 

The inaccuracies are highly injurious to my credit score ( Accounts are listed below ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to update/correct my personal information on file all personal info is incorrect Please inform TRANSUNION to remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate. 


I WOULD also like all phone numbers deleted that are not associated with me anymore .The phone numbers being reported are incorrect. 



Please update my address XXXX XXXX XXXX XXXX, XXXX XXXX Please update my phone number to : ( XXXX ) XXXX
Consumer complaint received 2024-01-25
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. (IL)

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 information is inaccurate.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX XXXX , I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.
Consumer complaint received 2024-07-23
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. (MD)

XXXX XXXX XXXX Executive officer XXXX XXXX has refused report to Experian, XXXX, and XXXX to CLOSE my trade line to state, that I paid my settlement in full as agreed already.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2017-12-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I had contacted all the collections on my credit score. None of them could provide any proof that they had saying it was my debt. I asked them to remove the debts and they stated they couldnt do so. I called them about 2 months ago and I had been told to reach out to you guys and get the items removed.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and found a 30 day late on my XXXX credit card. I called XXXX and they stated the information was correct without clear explanation. I asked for proof and I sent proof of payment being NOT late. I received no repose or call back. I continued to check my credit and saw that they were still reporting the 30 day late. I disputed through Experian and XXXX never responded with proof of late ( they just said information is correct ). I am asking for XXXX to provide me proof in writing of my ( proposed ) late ; otherwise ... without the proof, the information is incorrect and needs to be adjusted accordingly to report correctly on my credit report.
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. (CA)

Once again, I must assert that I have fallen victim to identity theft, prompting this subsequent plea for the removal of erroneous information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to expunge such items within four business days of receipt. Furthermore, certain details on these items remain unfamiliar to me, and while they have been removed by other bureaus, I remain skeptical about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-29
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (CA)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated name ; XXXX XXXX ; Addresses ; XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX are still listed under my personal information.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

As of XX/XX/year>, a credit card was opened in my name with Capital One N.A. This is fraudulent. I am a victim of fraud. I did not open a credit card with capital one and purchase anything. I received a letter in the mail stating I owe {$3700.00}. This was not me and I believe someone got a hold of my social security number and has tried to steal my identity. I have started a dispute with XXXX XXXX XXXX XXXX XXXX. The debt collector. This Capital One company was sold to XXXX XXXX.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Was late on a payment on a secured card due to covid, so I spoke with a representative who waived a late fee, and gave me a lower amount to pay. I paid that, and then every 2 weeks until the account was current and below the credit limit, with no more late payments occuring, in XX/XX/XXXX. Finished paying down the account in XX/XX/XXXX, and they closed the account without notice. When I called, I had a balance of XXXX, and since I had made a secured deposit of {$200.00}, I was told the amount would be taken out of the {$200.00} to pay off the account, and the remaining XXXX would be sent back to me in the form of a check. That phone call was XX/XX/XXXX. In the middle of XXXX, I received a letter from Citybank, saying the same about issuing me a check, but they said they would be holding the money from me until XXXX. On XX/XX/XXXX, I received a statement from them with a {$35.00} late fee, and payment due of {$74.00} from no payment on XX/XX/XXXX. The account was closed already at this point, and they owed me money. No payment should have been due, and I was never informed that I would have to continue making payments until they reimbursed me. Called the company on XX/XX/XXXX, and was told since I had a late fee removed in XXXX, I was not eligible to have this one credited. This charge should never have happened, so I spoke with a supervisor who eventually issued a statement credit of {$35.00}, which will not show up on the account until AFTER they refund the balance of my deposit, so I will have to wait even longer for them to send the remaining {$35.00} owed, and they can't do anything about the late payment reported to the credit bureau, nor any charges that may stem from non payment on XX/XX/XXXX, even though the account is closed and balance due should be XXXX.