davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (FL)

In XXXX my credit was flagged for collection by a company called XXXX XXXX XXXX, on XX/XX/XXXX i spoke to XXXX from XXXX XXXX XXXX and had a 3 way call with XXXX at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, that XXXX XXXX XXXX was collecting for ( XXXX XXXX who had flagged my credit for collection, XXXX explained that the Charge had been covered 100 % by their XXXX XXXX XXXX XXXX XXXX said that they would remove the collection on my account. Then on XX/XX/XXXX my account was flagged for collections again loosing XXXX XXXX to my credit score, this time it is a company called Credit Management Company, caller id appears as XXXX XXXX XXXX I spoke to a woman who's name/email is XXXX, They are collecting on the same XXXX XXXX XXXX account XXXX XXXX XXXX charges ) that were paid for 100 % by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Something is very wrong with this and my credit is suffering badly and I am not at fault. XXXX was suppose to close the account on XX/XX/XXXX and now it seems like more collections keep flagging my credit on the same account.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have changed my legal name from XXXX XXXX to XXXX XXXX. Its not reporting on my credit report and I havent used that old name in almost 3 years. Its emotionally draining to deal with these companies and Im at a loss for how to continue. My social security card, birth certificate and my drivers license and ID all have been updated. 

As a XXXX  person the credit reporting system has been a nightmare and I keep getting assured that my updated social security card would fix the name change issues. Ive filed all correct documents and I still havent seen my issues fixed.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-18
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. (MI)

hi I recently looked at a copy of my credit report and noticed that there are accouple inaccurate information on my account and this inaccurate information is hurting my ability to obtain credit. can you please do an investigation with them to make sure everything is reporting right on my report. 

here is the account I seen was incorrect and I'm asking for you to verify as accurate XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX XXXX Account number : XXXX Account name : 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 Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-18
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. (NY)

These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-08-31
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. (FL)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-08-31
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. (TX)

I need your intervention regarding the incorrect account reflected on my credit report, as it has seriously damaged my reputation. The mishandling of my credit information has brought me to a difficult situation, and I require your help to resolve these issues. Removing these mistakes is necessary for me to live peacefully with my family.
Consumer complaint received 2024-01-18
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. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-18
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)

On XX/XX/year> The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit 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
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have taken the necessary steps by sending certified letters to both the ( XXXX ) credit bureaus and the original creditors to dispute the inaccurate information that has been reported, particularly regarding the accounts that were included in a debt relief program. Prior to the covid pandemic, my credit was something I took great pride in. It was explained to me that it is not common for negative information to be reported while you're making timely payments through a debt relief program, and that my creditors would report my account as current or in good standing if I meet the terms of the agreement. Therefore, in an effort to preserve my excellent credit, I entered into a payment agreement on XX/XX/year>, which was successfully completed as scheduled. I have requested that the creditors review the payment history and adhere to the laws that protect consumers who had impeccable credit prior to the restrictions imposed by the Covid pandemic. On XX/XX/year>, the CARES Act was signed into law, which included provisions to protect consumers ' credit during the pandemic. The Fair Credit Reporting Act ( FCRA ) was amended to prevent adverse credit reporting due to COVID-19, as outlined in section 15 USC.1681s-2 ( a ) ( 1 ) ( F ). This provided some reassurance and relief for individuals like me who were facing financial challenges during these unprecedented times.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a credit card with Capital One bank that was closed by them which they had the right to do at any time. What I couldn't understand is how they could close my account but still pull money from my account. Shouldn't that autopay be deactivated once the credit card relationship was terminated? Instead they kept the autopay function on and pulled all the money from my account to pay off the balance. I was left with no money and since I couldn't use the card no credit. To add insult to injury instead of getting a letter that says my balance was XXXX I get a letter in the mail today XX/XX/XXXX that says I owe {$99.00}. When I did some investigating I found that they hit me with a finance charge for interest after the account was closed and balance was settled because they knew I wouldn't be paying attention and they could hit me with a of {$40.00} late fees. I could not imagine why they wouldn't just settle the account when they closed the account and pulled the balance. I was under the impression that the account was closed and there would be no further balance. Instead, they waited and charged me tons of interest on finance charges plus late fees. If they closed the account they knew I was under financial duress and chose to take advantage rather than offer any sort of solution. When I called I simply get told they are valid charges under their manipulating fine print terms and agreements that they know the majority of people won't read in its entirety or quite understand without consultation from a lawyer. What I am asking for is for Capital One to do the right thing and not charge me fees in excess of 200 % of what they fee I owe for a finance charge of {$14.00} that they could have easily have waived for me understanding they had already collected enough fees from me. I ask that you help me however you can and hopefully this sheds some light for those who struggle everyday with credit card providers. 

Best, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-17
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. (PA)

I did not consent these unauthorized inquiry. 

XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2024-05-17
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)

There is a fraudulent account reported on my credit file. Account Name : XXXX XXXX  Account Number : XXXX Account open date : Someone has opened an fraudulently authorized an account on my name using my Identity for this account for which I am not responsible. Please remove this account from my credit file. I challange the company to provide me the proof for opening of this account by me. I am the authorised user for this account.
Consumer complaint received 2024-05-18
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. (FL)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-18
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX OF XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, 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 XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-18
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX DEBT Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX 'S XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX BANK XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items. It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate, corrected and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX CT XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX Balance Owed : {$900.00} XXXX  XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>
Consumer complaint received 2024-08-31
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-18
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. (PA)

This is a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because I received results via CFPB portal on XX/XX/XXXX that stated that my dispute was verified. I disputed because my PRIVACY rights have been violated because Trans Union illegally published/furnished accounts without my PERMISSION or any written instructions. I did not give anyone at anytime PERMISSION or any written instructions to furnish the accounts that I am listing below that should be deleted from my credit report immediately. 
I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and also received results in the mail File Number XXXX dated XX/XX/XXXX which is another violation that Trans Union has committed under FCRA 611 which states your agency must conduct your investigation within 30 days. Your agency took more than 30 days acoording to the letter you mailed to me is Proof that your agency is in violation again for an untimely investigation. In accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) I am requesting ALL the records that reveal the procedures your agency used that led to the accounts that I disputed to be verified. 
I also am requesting the name of the person ( s ) you spoke with along with the Business Name Address and Telephone Numbers of everyone that you spoke with in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) in 15 Days as the LAW states. The accounts I am disputing that are in violation of my privacy rights because FCRA 602 states I have a right to Privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish accounts without my written instructions as I am a federally protected consumer. Please send me the information I am requesting regarding the accounts listed below that were verified : Trade : XXXX XXXX XXXX 
Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX XXXX XXXX