davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX XXXX XXXX and the major credit bureaus TransUnion XXXX XXXX XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the XXXX XXXX XXXX XXXX ( XXXX ) [ XXXX XXXX. XXXX et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX et seq. ], XXXX XXXX XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from TransUnion, XXXX, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and XXXX. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with TransUnion, XXXX, and XXXX immediately, in accordance with the FCRA and XXXX. If XXXX XXXX XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-29
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. (TX)

For the last several years i have spent over 400 hours, sent dozens of letters and made dozens of phone calls to this Credit Reporting Agency regarding fraudulent, inaccurate information, other illegal information added to my report, a willful lack of investigation with regards to my disputes, not honoring my request/demand to Opt-Out from their reporting, a refusal to take all inaccurate, fraudulent and illegal information off my report.

All this in violation of 15 USC 1681B ( A ) ( 2 ), 15 USC 1681A ( 2 ) ( A ) ( i ) & 15 USC 1681A ( 2 ) ( B ).
Consumer complaint received 2022-12-29
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. (TX)

For the last several years i have spent over 400 hours, sent dozens of letters and made dozens of phone calls to this Credit Reporting Agency regarding fraudulent, inaccurate information, other illegal information added to my report, a willful lack of investigation with regards to my disputes, not honoring my request/demand to Opt-Out from their reporting, a refusal to take all inaccurate, fraudulent and illegal information off my report.

All this in violation of 15 USC 1681B ( A ) ( 2 ), 15 USC 1681A ( 2 ) ( A ) ( i ) & 15 USC 1681A ( 2 ) ( B ).
Consumer complaint received 2024-05-07
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. (IL)

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 
Account name : XXXX Account XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX
Consumer complaint received 2023-12-03
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. (TN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rigts to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A, states I have a right to privacy. 15 USC 1681 Section 602A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section 2, 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 conviction of crimes which outdates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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. (LA)

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 Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX : XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA XXXX stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (FL)

On XXXX XXXX I reviewed my credit report and noticed a discrepancy showing there is a collection on my report for a company name First Credit services in the amount of {$970.00}. I immediately called the number listed on my credit report and spoke with a gentleman name XXXX and advised him that I am a victim of fraud and identity theft and please provide me clear copies of the documentation provided to open the account so that I may forward this information to the proper authorities in order to rectify this situation. I was advised to email a letter to their Fraud department in which I promptly sent over the request and followed up the email with a certified letter to the address listed on my report.
Consumer complaint received 2024-05-07
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
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)

FCRA 605B seems to require us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed have inaccurate reporting, including inaccurate amounts and dates.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (TX)

The dealer sold and securitized the contract/agreement i signed after which they superimposed my signature on to at least 3 different additional contracts that i did not sign and sent it to the Banks. I called the bank and asked for a copy of my loan documents and to my surprise the contracts were different from the Federal Truth in Lending disclosure, The finance charge was changed added fees and surcharges, the credit life insurance not included any many more violations. It is also my understanding that the bank is also complicit with regards to the securities fraud and contract manipulation and securitization. I sent notices of my findings to all parties involved then initiated arbitration but the XXXX would proceed with the arbitration due to the dealer not following the rules of arbitration disclosures to consumers. The letter from XXXX XXXX this " Accordingly, we must decline to administer this claim and any other claims between XXXX XXXX XXXX XXXX XXXX and its consumers at this time. '' I will attempt to settle this matter once more before filing for all appropriate federal suits and refer the matter to the Securities Exchange Commission.
Consumer complaint received 2024-01-10
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)

My information was sold and bought illegally, and I am a victim of the Equifax data breach.

I would like to have these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax should be held accountable, as my personal life has been deeply affected. Please help me delete these illegal accounts from my credit report.

EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided, our records indicate your personal information was impacted by this incident.

The services and payments are listed as follows : XXXX XXXXXXXX XXXX XXXX {$59.00} X XXXX  months = {$1000.00} XXXX XXXX XXXX XXXX XXXX  Payments of {$100.00}, XXXX  payment {$99.00} = {$420.00} XXXX XXXX XXXX XXXX XXXX {$99.00} for XXXX  months = {$690.00} XXXXXXXX XXXX XXXX  {$39.00} for XXXX months = {$270.00} Total Spent on Service {$2400.00}
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2024-05-07
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1900.00}
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

HI, I opened a new chase small business ink credit card from the bank, i was offered a promotion if i spend XXXX XXXX in 90 days i will get {$750.00} cash back from the bank. 

I completed the terms of the offer and never received the cash back and when contacted the bank they say the terms have changed and i needed to spend XXXX, there as no communication from the bank of this and even today i get offers from the bank for a new card for a spend of XXXX XXXX Reached the bank for the same but they refuse to help or address the problem. 

I feel cheated by the bank and now they have told me to not reach out to them. 

Thanks XXXX
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Zions Debt Holdings (NE)

XXXX TO XXXX YEARS AGO SOMEONE FALSEFIIED MY NAME AND INFORMATION TO RECIEVE SERVICES FROM A SECURITY COMPANY. WHEN I WAS FINALLY MADE AWARE OF THIS, I EXPRESSED TO THE COMPANY THAT IT WAS NOT ME AND IF THEY LOOKED AT THE SPELLING OF MY NAME, THEY WOULD SEE THAT THE SPELLING WAS INACURATE. I ASKED THEM TO SEND ME A COPY OF THE BILL, ON ARRIVING I SEEN THAT THE NAME WAS SPELLED ANOTHER WAY. FAST FORWARD A FEW YEARS LATER A THIRD PARTY DBT COLLECTION COMPANY HAS PURCHASED THE DEBT AND IS NOW WANTING PAYMENT. WHICH I EXPRESSED TO THEM ALSO THIS WASNT ME. THEY SAID THEY DIDNT CARE THAT THE NAMES DIDNT MATCH AS LONG AS THE DOB/SSN MATCHED. I REQUESTED A COPY OF THE ORIGINAL BILL FROM THE ORIGINAL CREDITOR VIVIT TO SHOW PROOF THAT THE NAMES DONT MATCH. TO WHICH I WAS TOLD IT DONT MATTER IF THE NAME AND SIGNITURE ARE MISPELLED WRONG.
Consumer complaint received 2024-05-07
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 hope this message finds you well. I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Moreover, I would appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. With this, I am asking for your assistance to correct these accounts in my credit file XXXX 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 2023-05-01
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. (FL)

Dear [ XXXX/Equifax ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report.

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

15 U.S. Code 1681i - Procedure in case of disputed accuracy I received a copy of my credit report the late payment and information on my credit report is inaccurate. 
date OF last ACTIVITY exact amount owed date opened On my transition report I owe XXXX On XXXX document attached below differ everything doesn't match LATE 30 day says XXXX, on XXXX it's says XXXX The Activity are inaccurate and does not met fcra. REINVESTIGATE and Remove inaccurate information
Consumer complaint received 2024-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

Since XX/XX/year> I have been sent vague and incorrect monthly mortgage statements, some of which were completely blank, void of any numbers. 
I have been requesting the data to support this companies interest charged to me on this loan for these past 5 months. No response.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

Company fraud complain from crypto.com I tried getting their help multiple times but didnt help me at all. I was fraud without me releasing and made a lot of mistakes that time and asking for help. And the check was fake and made me believe it was real money from their sugar coating saying its real.