davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28
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. (VI)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2024-08-01
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)

Experian is reporting false information and charge-off dates on my consumer Experian credit report I have disputed this information and reached out to XXXXXXXX XXXX who has confirmed they reported the correct information to experience and the car is charged off as of XX/XX/XXXX experience credit report has reported the charge off day as XX/XX/XXXX thus reaging my credit report and affecting my credit dramatically this is illegal
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or permission, causing considerable XXXX. As a victim of identity theft, I've taken immediate steps to report this incident. This issue requires urgent attention due to its negative impact on my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any necessary evidence and, if needed, pursue legal action to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-28
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. (MS)

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 XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Date : XX/XX/year> and 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 XXXX 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 2024-05-28
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2018-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX  XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.
Consumer complaint received 2024-08-01
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)

XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2024-05-28
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)

Dear XXXX, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the state of Florida. 

It has come to my attention that XXXX does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter 559 Part VI and RULE 69V-180, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, XXXX has continued its attempts to collect a debt from me for the last four years XX/XX/2020. This conduct is not only in violation of Florida law but also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that XXXX ceases its unauthorized activities. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both XXXX and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of XXXX in the state of Florida. If XXXX can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 informationisinaccurate.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I was unemployed for a period of time. During that time, I went through the process and secured deferment from the mortgage servicer XXXX We eventually were approved to have the missed payments moved to the back of the loan, and were never delinquent at any time. Despite the fact that there was {$0.00} due, XXXX reported me to Credit Reporting Agencies as Delinquent. I only found out when credit limits were reduced on some of my accounts. What is the point of following the rules only to be shafted at the back end? I didn't choose to lose my job.
Consumer complaint received 2024-05-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When nearly XXXX  years, the plant was trying to remove what was fraudulently. Issued school loans with a language barrier. No reading of full disclosure, violating every chilla statute in the book I was snookered into signing a {$100000.00} with the school loans, I will never seem to get ahead of payoff or otherwise the detrimenting fact. Being that my family or myself could never buy an adequate house, buy an adequate car or even excelling my business. Because I constantly trailing by a XXXX dollars. Excuse me, by a {$100000.00} loan. That would never come to fruition, never end, never complete period this is the reason why the truth and letting act was. Develop in order to keep shoddy sales people in shoddy companies from issuing alone. I couldn't afford because of that fraud
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (PR)

I requested a loan for XXXX dollars from this company. They are loan sharks in desguise. I have paid back over 2.000 dollar and I still owe them XXXX. It should be illegal for this business to operate. Yes they do help you I time of need but they have bleeded my bank acct. My payments are deducted actomatically from my checking a acct. I resided in XXXX  withy daugher whom has a special needs child with several health problems. I was helping her out. I had to move back to XXXX XXXX to take care of my XXXX year old mom whom has XXXX and I explained to them through an email the financial hardship I was having due to having to help my mom and my own home renovate and do repairs after hurricane Maria. They just took the action of the not making any more withdraws which that was fine with me but they had no compassion or care about my economic situation.No one ever responded to my email to try to help me. All they send me is when my next payment will be taken out of my acct. I live on disablity from soc sec and the payments never end even when I have not made any withdraws..The intrest they charge was unknow to me. I wrote them it was the worst company even if I was homeless in the street I rather stay that way then resort to them for help..Really bad. Sincerly XXXX XXXX.
Consumer complaint received 2024-05-28
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 report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 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 XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : # # # # # # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX XXXX 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 can not furnish an account without my written instruction 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 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

My company was sent a check but was received by an unknown person and deposited in his/her account. The check was correctly written to my office 's name ( XXXX XXXX XXXX XXXX XXXX ), was addressed correctly, but somehow ended up in somebody else 's hands. It appears to have been deposited by photo image, and not directly through a cashier. The check has an illegible endorsement and an account number which are not mine 's. 
The receiving bank has informed me that I do not have the authorization to request the withdrawal of the money from the account it was deposited ( Banco Popular de Puerto Rico -R/T : XXXX ; Acc. # XXXX ) The paying company ( XXXX XXXX ) has informed me that since they paid the check to the correct entity and mailed it to the correct address, they are not responsible for what happened to the check. Banco Popular de PR told me that only the payor, through its bank ( XXXX Bank ) can request the return of the money. 
The local Office of the Commissioner of Financial Institutions has also informed me that they do not handle this type of situation. It was they who referred me to you. 
I would like you to help me get the money from the person that fraudulently deposited it. 
I am not a customer of neither Banco Popular de PUerto Rico nor of XXXX Bank. My office 's account is in a local Cooperative.
Consumer complaint received 2024-05-28
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX dispute is reporting me as deceased. Kohls credit my co applicant is responsible and I believe used my social to open it to begin with. Then reported me as deceased I have Spoken w them on the phone I am not dead!
Consumer complaint received 2018-12-20
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: CITIBANK, N.A. (CA)

In XX/XX/2016 I submitted a balance transfer request from XXXX XXXX to my Sears XXXX in the amount of {$1600.00}. After a month or so I saw that it never posted to my XXXX account. Over the course of two years I attempted to rectify this issue with XXXX XXXX to where they investigated on their end that Citibank ( who backs XXXX ) had cashed the balance transfer check. XXXX XXXX attempted to contact Citibank to refund the money back as it never got credited to my XXXX account that is listed on the front of the balance transfer check. It is apparent that Citibank did not respond to XXXX XXXX XXXX   correspondence and ignored the request. I have evidence of the check cashed by Citibank, the letters that XXXX XXXX sent to Citi, and other pertinent information that displays Citibank has kept the money. In addition I have copies of my Sears XXXX statements that show the money was never credited to my account.
Consumer complaint received 2024-05-24
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. (MA)

Inaccurate information has been posted to my credit file due to identity theft. I have received letters from different companies stating that my information has been compromised. Ive sent out communications to all XXXX credits bureaus notifying them of there misconduct, reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. The companies involved are ; ( Transunion, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX. ) This is securities fraud and identity theft.