davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/20 ) l 'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-19
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. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> 2022
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I purchased a XXXX  XXXX I was told and viewed a work slip for repairs on the car as I took possession of it. I followed up with a mechanic at the car dealership set the appointment up with. The mechanic said he would attempt to repair the car however he said it needed extensive work. We called back to the car dealership and was told that they would only do one repair to the head gasket. I personally paid for the second head gasket in order to keep the car from not smoking constantly. Again the same mechanic attempted to fix the car I went back to the dealership to see if there was something that they could do to assist me to give me another call I was told at that time it was on me even though they had filled out a work request slip. After spending close to XXXX dollars and Reporting this to XXXX XXXX and the manager at the car dealership I returned the vehicle. 4 years later there has constantly been reports on my credit saying that I owe money and there's interest accumulated as if I am in possession of this car when I explained the situation I was told to file a complaint.
Consumer complaint received 2024-07-07
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. (PA)

I mailed out XXXX disputes to the consumer reporting agencies and I have not received a response from them at all for either dispute. 

My first dispute consisted about XXXX collection accounts that I was not aware of nor did I receive any initial communication from the debt collectors. The accounts goes as follows ; XXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX Account Number : XXXX ]. I demanded that they conducted an investigation of this unverifiable item and have them provide proof by submitting the XXXX tracking number and the green return receipt bearing my signature XXXX business days prior to furnishing such information. 

My second dispute consisted of a charged off account. The account goes as follows ; XXXX XXXX [ Account XXXX : XXXX ]. With this account, I claimed it was inaccurate due to the fact that the furnisher of information did NOT provide me with a written notice that they were going to furnish negative information on my consumer reports. Pursuant to section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act the furnisher of information violated my consumer right. In that dispute I demanded that the consumer reporting agencies request proof from the furnisher that they have provided such notice prior to furnishing or 30 days after.

I am demanding that they delete all 4 accounts from my consumer reports as it is unverifiable. I also demand that they provide me a description of the procedures used to determine the accuracy and completeness of the information including all of the documentary evidence as described in 15 U.S.C 44 when they mail out the investigation results.
Consumer complaint received 2024-04-20
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (TX)

We signed up with Strategic Financial Solutions to help reduce our monthly payments to save us money. XXXX XXXX we made our first payment of {$320.00}. We were told to stop paying our creditors and they would take care of it for us, then we started getting phone calls from the creditors letting us know that we were behind and we needed to call them. I called XXXX XXXX XXXX to ask them what was going on with my account and creditors. I told them about the phone calls and letters we were getting and I was told to ignore the phone calls. I was not happy with the way things were going because my credit score went down a lot they reassured me that my credit will go back up. I realized I made a mistake because we were not happy at all they were just giving us the runaround. My husband and I put our trust into this company to help with our debt and they took advantage of that.
Consumer complaint received 2023-09-20
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
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. (KY)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I contacted XXXXXXXX XXXX XXXX XXXX  to discuss a debt that they said I have with Bank of America in the amount {$5900.00}. XXXX XXXX XXXX, has put a levy against my bank account ; however, they have not provided any proof that the debt is mines, nor have the provided me with any documentation that I was served with a lawsuit. When I spoke to Bank of America they informed me that they do not have any knowledge of the debt and I would need to speak with XXXX XXXX XXXX XXXX According to Bank of America XXXX XXXX XXXX, XXXX. has had this debt since XXXX. The interaction with XXXX XXXX XXXXXXXX they have been unresponsive, rude and dismissive over the phone. Bank of America has told me that they do not know what is going on with the debt and that I need to contact XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2024-04-20
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-18
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. (WI)

TransUnion credit report company has had on going Disputes place on my account regarding company XXXX auto this information iis not my l report to please XXXX  this information and XXXX XXXX XXXX XXXX XXXX firm XXXX XXXX firm has sent in information requesting to Delete this Account off my Credit report. Whenever l received credit report this company is constantly showing hasn't been deleted. The XXXX firm sent in XXXX  Drivers license. And XXXX XXXX  agree the information doesn't match instead TransUnion. Delete it this company continuous Disputes behind XXXX another
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (NY)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( 2 ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX XXXX XXXX XXXXXXXX and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX XXXX XXXX  XXXX ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I have been charged my Flex Deposit that has transferred the account to IQ Data stating that I owe them {$1500.00}. I am being fraudulently charged by XXXX company through another company that does not even exist and the charges should not be placed onto my credit report. I have filed a dispute through XXXX on XX/XX/2023 and received a notice back on XX/XX/2023 stating that the information is correct. When I moved into the apartment it was not clean things were broken that I had to personally fix out of pocket. When I left the apartment it was clean and no damages were done. I have photos of how the apartment was when I moved. I was never behind on rent and I also have a witness of all of this from XXXX of the property managers who works for the company
Consumer complaint received 2024-04-19
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)

I think FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, incorrect amounts, and dates being reported.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion, XXXX and XXXX Bank have been notified to remove this item from my credit report due to false information and no legal evidence to prove validation of this account to me and the opened date is false/incorrect. Several disputes have given XXXX factual proof.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I input my social security number on the Wells Fargo website and it processed. Then I input my DOB-XXXX and it didn't work. I figured out the DOB being used on the account was XX/XX/XXXX. After inputting both the social and DOB to gain access to the account, the log in website requires a the account, credit card, or debit card number. I do not know it. There are two other compalaints I filed with Wells Fargo with email address XXXX. There is also a beneficiary account under my social security number at the Wells Fargo. I am not on good terms with relatives so they will not tell me and have not told me since the account was open. I walked into to the Wells Fargo in the XXXX of XXXX to find further information on the account, but was disserviced. I provided my birth certificate, social security number, license at the time- I have a new one, and they gave me the run around. For that reason I have not called or walked in again. Doing so, would only alert them to delete or tamper with the accounts to hide what it is they got going on. Since its my mothers account and she recieves wages from social services for adopting kids, the beneficiary account is being tagged along to make it more difficult to access. In worse case, they could be doing some white collar stuff to keep this from me. In any case, I am familiar with FDIC insurance and liability policys that banks must follow and will file a complaint with them as well. Since mother was mislead, she is not at fault for the negligence on the proffesional side.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service (AL)

On XX/XX/ Military STAR ran a credit check with the credit bureau that affected my credit. I did not complete a credit application with this company, nor did I authorize them to complete a credit check. When I called they informed me that I just needed to contact the credit bureau myself. They did not open an investigation into this fraud nor deal with the fact their company processed a fraudulent application in my name which has affected my credit report. 

Application Number XXXX
Consumer complaint received 2023-10-27
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. (OH)

THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...