davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
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. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of XXXX XXXX and this needs to be removed. Please remove these illegal unauthorized collections off 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
Consumer complaint received 2023-05-15
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 reported to XXXX XXXX that my credit score was below XXXX when actually my credit score is XXXX. Because of their error, I had to put up a deposit in order to open electrical service. I would have not needed to put up a deposit. I called Equifax and they said " no problem with your account '' but would not explain WHY they lied about my credit score. I need to know why. It costs consumer money because of errors reporting the wrong scores or is this done on purpose?
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

i checked my credit recently and This collection account list the following company as the creditor ( MIDLAND CREDIT MANAGEMENT , INC. ). 
This company is NOT the creditor, I never contracted with them, and I sent certified letters to them to immediately correct my report and remove this fraudulent account. 

they are abusing my rights and i never received a letter from them and if they did ( i honestly do not recall receiving one or i would have for sure dispute it ) so my potential failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court ( 15 usc 1692g. ( a ) ( c ) as i just found out looking at my credit online. this is stressing me greatly! 

I sent Notice & Demand for validation of debt, Dispute letters, see attached This account is to be removed immediately! it is affecting harshly my credit worthiness i work so hard for. 

MIDLAND CREDIT MANAGEMENT , INC.- Last reported XXXX XXXX Reported balance {$1800.00} Thank you for your help getting me proper remedy.
Consumer complaint received 2023-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Barton Law Group, LLC (IL)

My wages were garnished for the full amount of the judgement with proof on pay stubs and my employers payroll department producing proof of payment only for them to say that every payment received was forged and NSF. They turned around and put it right back on my credit report. Im not the only one they have done this to. Nobody is stopping them from this scam.
Consumer complaint received 2024-05-14
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-06
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: JPMORGAN CHASE & CO. (AL)

So in XXXX of 2023, I got a Chase Freedom Unlimited credit card and around that same time frame I have a credit repair company and had a referral about a client name XXXX and XXXX XXXX and I added them as authorized users on my XXXX XXXX cards which I had done with hundreds of clients and had no issues and I ended up finding out they were scammers and thieves and stole my identity and impersonated me to credit card companies and was able to obtain all my information ( SSN, Address, DOB ) all the information needed to verify my identity. They begin to compromise my my credit cards with XXXX, XXXX XXXX and Chase over the next XXXX months and it ruined my life and my credit score during the time. Luckily I was able to submit documentation ( police reports, travel requests from my job proving that I wasn't in the locations that was my card was being used at the time and XXXX XXXX and XXXX confirmed that it was fraud on my account and I had no issue. The XXXX suspects above have been arrested and charged with fraud. My issue is with Chase Bank as I submitted close to XXXX documents over XXXX months to prove my innocence and they refused to change the outcome of the investigation. I would call their fraud department weekly as having good credit was important and having XXXX of Unauthorized charges on a XXXX limit credit card isn't helpful to a score. My issue is every time I would call their fraud department would give me a different reason on why they would deny my case ( delayed in calling, charges with a merchant, products delivered to my address that I never received and list goes on, they need proof that other lenders like XXXX, said it was fraud. ) Which everything listed above I provided proof for ( Purchase history, phone records, documents from XXXX showing they approved my case. ) What Chase is doing is unethical and I tried for over a year to get this fixed and still no results. I am trying to qualify for a home for me and my wife in the next few months and I'll be unable to with a XXXX credit score cause of this cause they keep asking me to pay for something I am not responsible for and I refuse to do that when I have proven my innocence time and time again and I will submit the documentation and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) Chase needs to have this resolved and removed off of my credit report in the next few days. 

If you look at the documents attached you will see everything I sent from XXXX charges they claim I had on XX/XX/XXXX which you can see is not in my purchase history, XXXX charges that isn't in my account. You can see XXXX case results, You can see travel requests signed by my boss ( the mayor of XXXX ) on trips signed off where I wasn't in the areas that my card was used and you can see my hotel history showing I wasn't there either. Please help me resolve this.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (KY)

i recieve social security ssi my normal payday with cash app is the XXXX th but this month the XXXX th falls on sunday i been calling XXXX texting cash app about my deposit they claim they did not recieve it i contacted social security XXXX they verified the deposit was made on the XXXX XXXX for XXXX im XXXX XXXX depend on these funds they continue to lie stating they did not recieve the funds but they have with all the news of cash app being decietful im living in fear of the loss of my federal assistance
Consumer complaint received 2024-05-14
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)

Hard inquiries on my credit report for XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under 15 USC privacy act remove inquires immediately did not give permission for these companies to run my credit. I had called XXXX to help but it wasnt helpful the guy on the other line offered me a protection plan XXXX XXXX life plan protection for my credit wasnt helpful to help remove inquiries
Consumer complaint received 2024-06-21
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. (CA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-05-14
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-05-14
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. (AR)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

There were XXXX Transaction, the first on XXXX XXXX at XXXX AM and another on XXXX XXXX at XXXX AM, there was a transaction of XXXX XXXX  on XXXX XXXX and XXXX XXXX  on XXXX XXXX costing roughly around {$XXXX} on XXXX XXXX and {$XXXX} on XXXX XXXX which I didn't approve, I didn't see the first transaction but during second transaction time I was trying to send someone payment of like {$XXXX} worth of XXXX before this like XXXX min earlier but I changed my mind toward it then I put my phone down but after XXXX min I open coinbase to check something then I see XXXX transactions which I didn't authorize.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-08-15
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. (GA)

I am respectfully requesting a validation of debt, pursuant to 15USC 1692g, alongside a cease-and-desist proof of claim. Please provide proof claim and demand to see an authentication contractual agreement that authorization or law collection of this alleged debt. OCC with reference to these accounts.

-UCC 9 part 6, UCC 9-611 -UCC 9-614 ( a ), for proof that the presale letter was sent, and all requested information was included.

-UCC 9-616 ( a ) ( 1 ) ( b ) ( c ) ( d ) ( 2 ) ( c ) and UCC -616 ( b ) ( 1 ) ( a ) ( b ) ( 2 ), for the post sale letter.

-UCC 9-27 requires that any transactions involving these accounts should be commercially reasonable in nature.

Furthermore, as per UCC 9-626 ( a ) ( 1 ) ( 2 ), I expect prompt response to this inquiry. 
Please be advised that noncompliance with this request will result in serious legal trouble for your company. If the following can not be furnished, please remove these accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$260.00}, XXXX XXXX XXXX XXXX XXXX XXXX ) {$1200.00}, XXXX XXXX XXXX {$450.00}, XXXX XXXX XXXX {$460.00}, XXXXXXXX XXXX  ( XXXX XXXX XXXX ) {$380.00}, XXXX XXXX XXXX XXXX XXXX  ) {$490.00}XXXX XXXX XXXX XXXX  {$500.00}, XXXX XXXX XXXX {$430.00}
Consumer complaint received 2024-08-27
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: PRONTO FINANCE INC. (TX)

I am writing to formally dispute several inquiries listed on my credit report that I believe to be fraudulent. I did not authorize these inquiries, nor did I initiate any transactions or applications related to them.
Consumer complaint received 2024-05-14
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. (AR)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-14
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. (FL)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT. V GRAVENS ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (NC)

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded XXXX a XXXX  of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a XXXX  mother. They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.
Consumer complaint received 2024-05-14
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. (SC)

I am absolutely furious! This identity theft nightmare has cost me THOUSANDS of dollars and left me with wrecked credit! How much longer do I have to wait for XXXX, TransUnion, and XXXX to get their act together on this investigation? This is unacceptable! I need answers and a resolution NOW! 

Listed in the attachments are police reports ftc reports bbb reports denials of credit accounts that were unknowingly or fraudulently opened and that I didnt receive any benefit from.
Consumer complaint received 2023-11-01
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. (GA)

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 2023-03-24
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-08-30
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-14
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)

On my credit report I saw that XXXX, who was the loan agency who had my student loan transfer the debt to XXXX. They did not update my credit report and it stills shows that I have that student debt, This student debt was paid in full because I got a loan forgiveness.