davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
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. (NY)

I'm filing this complaint pursuant to FCRA 605B. I was a victim of identity theft and noticed some fraudulent account open in my name. These fraudulent account consist of XXXX XXXX XXXX mortgage loan, unsecured loan from XXXX XXXX XXXX XXXX, a collections account from XXXX XXXX and 4 hard inquires. Please see attatched FTC Identity theft report for more details. Please remove these fraudulent accounts immediately.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX # XXXX ... .Last due dates reported incorrect. And different dates ... .in all 3 Berous. XXXX, TRANSUNION & XXXX. ...
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion & XXXX are incorrectly reporting the account listed as XXXX Account XXXX XXXX incorrectly reports a charge off/ collection which this can not be tried since credit card issuers are insured and do actually incur any loss because of the FDIC. The consumer agencies are responsible for making the report match across the board. What evidence does Transunion and XXXX have that XXXX doesnt.
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. (AR)

I hereby formally declare that I have been a victim of identity theft, resulting in the unauthorized opening of an account at your financial institution, XXXX XXXX XXXX. My name is XXXX XXXX, and I reside at the address provided above. 

Recently, I became aware of the existence of an account opened in my name at your bank, of which I had no knowledge or authorization. According to the information provided by you, a total of {$840.00} dollars has been charged to this account, of which I have not made any transactions nor have I given my consent for such activity. 

I want to emphasize that at no time have I provided my personal information nor have I made any requests to open an account at XXXX XXXX XXXX. Therefore, I request your immediate cooperation to investigate this matter and take the necessary steps to close the account and reverse the unauthorized charges. 

Attached to this letter, you will find copies of any relevant documentation supporting my statement, including my official identification and any other information that may assist in the investigation of this incident.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My TransUnion credit report has disappeared. I have contacted TransUnion several times with no response or relief. 

This has caused my TransUnion credit score to appear to be XXXX. 

This has recently prevented me from leasing a car.
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (TX)

On XXXX of XXXX I rented a car in XXXX, NC using my XXXX XXXX credit card that had a premium rental car insurance benefit provide by XXXX XXXX XXXX. While we had the car it was damaged in a parking lot when we were not with the vehicle. When I returned the vehicle to XXXX on XX/XX/XXXX I reported the damage and provided my insurance information. 
Several weeks passed and I received a letter in the mail from XXXX. I opened it to find a cover letter from XXXX XXXX that stated " see enclosed documentation '', however there was no additional documentation just the cover letter. The only contact information was an email, XXXX. I email XXXX XXXX XXXX times over the next several weeks asking XXXX XXXX to let me know what was going on since I had no documentation. 
Because I had no information whatsoever to indicate that XXXX was trying to get me to pay, I made another reservation ( ID # XXXX ) with XXXX as a '' Gold Member '' member number XXXX The reservation agent did not mention any issues with my account. When I arrived at the XXXX XXXX on XX/XX/XXXX I was told they would not rent me a vehicle because I was on the rental suspensions list. 
This was my first indication that there was an issue with my XXXX account. 
I contacted XXXX XXXX XXXX directly and was told to file a claim. XXXX XXXX XXXX made and claim and they received information from XXXX asserting that the total amount due was {$1300.00}. XXXX XXXX XXXX made an initial payment of {$660.00} on XX/XX/XXXX for Collision and Comprehensive. They also communicated with XXXX that XXXX had not provided the required documentation to substantiate the Admin Fees, Diminishment of Value, and Loss of Use claims. Since that time XXXX XXXX XXXX has attempted numerous times to get XXXX to submit the paperwork. 
Instead XXXX turned the file over to First Financial Asset Management ( FFAM ) and they began harassing me with debt collection phone calls. They are attempting to collect the full amount of {$1300.00} despite the previous payment of {$660.00} made by XXXX XXXX XXXX. I have explained all of this to FFAM several times and the case manager, XXXX XXXX, is aware of the facts. 
Nonetheless, FFAM continues to call frequently and often they do not speak, but just disconnect. Every time I try to explain to the telephone agent that XXXX XXXX XXXX is trying to pay the claim, if XXXX would only provide the documentation, the say they they do not have that information. FFAM 's calls are recorded and the recording will provide evidence of their ongoing disregard for the facts. 
XXXX XXXX XXXX continues to get FFAM or XXXX to provide the required, industry standard documentation to process the claim. 
XXXX XXXX XXXX continues to get FFAM  or XXXX to provide the required, industry standard documentation to process the claim. Then sent a request by email on XX/XX/XXXX and have made several attempt to reach XXXX XXXX by phone. So far there has been no response.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NJ)

I got an alert on my XXXX credit report that someone opened a discover card in my name on XXXX. I am not sure if they used my maiden name XXXX XXXX or my married name XXXX XXXX
Consumer complaint received 2024-05-12
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. (SC)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : # XXXX and # XXXX Balance : {$2200.00} Date opened : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX CARD Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX Account name : XXXX 'S XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted XXXX XXXX to let them know that I was not paying this account. Under Federal Law 15 USC 1692c they are required to remove this account from my credit report. They have not removed this account yet.
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING ADDRESS IS ALSO FRAUDULENT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I hold an XXXX XXXX credit card exclusively designated for the acquisition of XXXX XXXX flights. I have received a recent correspondence from the issuing company, notifying me of their decision to discontinue the acceptance of this credit card for flight purchases. In essence, the company has opted to cease the issuance and utilization of this credit card. 

Given this development, I kindly request a complete balance waiver for the outstanding amount on my account, along with the closure of my account, ensuring a XXXX balance. 

Thank you, XXXX XXXX XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX in CITIBANK, XXXX, FL. I opened the Citi financial products Regular Checking and Citi Savings. In this ocasin, our go-to banker offered a cash bonus for the opening of my City Checking Account, in the amount of {$300.00} for maintaining a minimum deposit and balance of {$15000.00} within 60 days after the day of opening the account, condition that has fulfilled and currently maintain. 

However, as of today XX/XX/XXXX, Citibank has not complied with payment the cash bonus.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

I contacted Midland Credit Management Inc regarding erroneous information that is showing on my credit file, however, this company refuses to send detailed information validating this debt. I have requested multiple times for Midland Credit Management Inc to forward a detail of the charges including original creditor to the address on file.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by I C Systems. I C Systems has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and an affidavit to I C Systems. They received it certified mail and signed off on XX/XX/21, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-09-02
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

My husband died in 2010. His name was on the mortgage account. I am XXXX senior and unable to work or do much. However, I tried to keep my payments up. My home was badly damaged in the ice storm. XXXX refused to issue the money to the repairman to fix it. I have been living with leaks and in the cold since then. But I just pray and try to get by. I don't have anyone to help me. XXXX sold to XXXX and XXXX sold to XXXX. No one at any of these companies will help me. I have called and tried to speak with XXXX XXXX as she is supposed to be handling the account. Now she won't speak to me about the stautus because my name isn't on the account. However, they continue to send me the bill and call and leave messages about how it's behind. I am unable to go to court. I explained that I am immobile and can not go to a court house to get executorship. They keep sending all these bills that I can't afford and yet they won't talk to me. My kid used to help but because of covid can't help me anymore. XXXX XXXX Is my husband whose name is on the account. XXXX. I would like for somebody to please help me stay in my house. Everyone is calling me telling me it's going to get sold. I will be put out in XXXX.
Consumer complaint received 2024-05-12
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)

Transunion hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above hard inquiries are reporting on my transunion consumer report illegally. They are in violation of the Fair credit reporting act. Per 15 USC 1681 ( B ), I did not give transunion my written consent to report these inquiries. Therefore i demand that they be deleted immediately.
Consumer complaint received 2024-08-29
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.