davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Advantage LNS Inc. (CO)

due to XXXX incompetence and continued corruption im forced to contact this other idotic shopping plaza office having derelict company. it makes no sense that a company is going to wait 4 years to sell a debt or a debt collector like your self to wait 4 XXXX years to start collecting it. no amount of XXXX dollars EVER!!!!! appeared on any of my credit reports UNTIL AND AFTER!!! my information was hacked at XXXX   in XX/XX/2017 I want this fraudulent debt removed from my report and I find it equally repugnant that XXXX so called investigation is just sending your XXXX of a company an email everytime I file a complaint report and everytime you sacks of XXXX say YES ITS A DEBT. well if it is it sure as XXXX isn't mine. im tired of arguing for a XXXX year with incompetent outsourced XXXX at XXXX so time to argue with what im sure is another outsourced XXXX in XXXX about this debt which is impeding me from getting housing. and the funniest thing of all is that even this so called FEDERAL CFPB company is ALSO OUTSOURCED TO XXXX so in total I bet all 3 XXXX  who could handle this matter are in fact just one sack of XXXX in XXXX at some XXXX run down stinky XXXX call center. RESPECT IS EARNED NOT GIVEN and none of you deserve any and demanding it only verifies your narcissism and sociopathic tendencies.
Consumer complaint received 2019-11-06
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Authorized a check by phone but they took two checks out of my account. But one was authorized in one when it's not. The bank said since it was authorized once they can't do anything about it. The institution that took the check would not refund it. So a overdraft charge was charged twice because of this.
Consumer complaint received 2023-12-02
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. (NY)

This been a on going matter, I ask for a investigation that I never received, I also been reaching out to this company to resolve the issue and still have not received a response account XXXX XXXXXXXX account.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I put a freeze on my credit report from transunion in XXXX and I was informed just yesterday from an apartment i was interested in renting that it is still allowing my credit to be viewed. The information is wrong on transunion and they have not made any attempts to fix it. My score is XXXX on both XXXX and XXXX who have deleted items that were not mine or inaccurate. Yet TransUnion still has those accounts and a low score of XXXX that they seem to disclose to everyone even after I have put two freezes on there. I also need the number to be added to their lawsuit because this is the second time they have stopped me from getting a place.
Consumer complaint received 2023-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've been the victim of Identity theft and these adverse actions reporting on my consumer credit report is preventing me from pursuing life, liberty and happiness. I'm unable to purchase a home for me and my children.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NH)

I have been going to the same XXXX  for 11 years ( XXXX XXXX XXXX ) during this time period my address, email address and phone number have all remained the same. I have received many calls, email correspondence and mail from them over the years but absolutely zero correspondence about a XXXX dollar debt that they claim that I have. The debt may or may not be valid and I do not dispute the debt itself. My issue is that XXXX XXXX sold this debt to XXXX XXXX and then was reported as a collection to Equifax. I have reached out to all parties several times and none has made any attempt to rectify this error. I have ( otherwise ) perfect credit and demand that this erroneous information be removed or proven. The burden has been put on me to prove that I never received correspondence which is possible. I am willing to pay the XXXX  dollars and not challenge the validity of the debt but not unless and until this fraudulent derogatory on my pristine credit report is removed immediately.
Consumer complaint received 2023-01-20
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. (OK)

Upon checking my consumer report ( Exhibit A ), I see unauthorized and fraudulent hard inquiries from XXXX XXXX XXXX on XXXX XXXX - XXXX XXXX- and XX/XX/2022.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Filed a complaint ( see attached 1 ) with XXXX and Capital one came back and said that they have resolved the problem ( see attached 2 ). Tried logging in and still the same issue as before ( see attached 3,4,5 ). There was a phone number to call if I had any problems and I did and got a voice mail, no one ever called back either. I am sick and tired of this company holding my account hostage for no apparent reason. As previously stated, this is the only company that says my phone is not in my name, a XXXX or XXXX phone number, not billed to me, or is a XXXX phone, now the billing address could be different because I did move in 2018 and my old address might still be on Capital One as my old address because I have not been able to get online to change any of that. However, it is strange that I got a statement from them to my new address ( see attached 6 ), so how did they know it had changed if it is different than the address on my phone bill? I have also sent letters to the CEO and the general communication mail address ( see attached 7 )  Going to try this again and if it doesn't work, then I am going to file a complaint with the TN AG and also try and find me a lawyer that will take them to court for this.
Consumer complaint received 2023-12-01
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. (MA)

See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.
Consumer complaint received 2024-03-25
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. (VA)

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 2018-11-12
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. (GA)

In XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month XXXX  transunion and XXXX both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.
Consumer complaint received 2019-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (PA)

I was taken to XXXX XXXX XXXX XXXX on XX/XX/2018. Because I was unresponsive the lady at registration put in the wrong in formation, instead of XXXX XXXX XXXX she put XXXX XXXX XXXX. On my insurance card was XXXX XXXX XXXX. So after I got better everything was clear between the insurance and the hospital. Everything was paid the same day of service XX/XX/2018. Until this day I have a bill for {$610.00} that I do not owe. My insurance called this collection agency and they did not fixed it. It still there two years after. My credit score went down. I mailed the receipt of payment and nothing, to the collection agency and credit bureaus. And still on there
Consumer complaint received 2023-12-01
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. (CO)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2020-09-11
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My social security number was used to open a fraudulent checking account with Capital One 360 on or around XX/XX/2020. I first called Capital One 360 on XX/XX/2020 ( when I became aware of the account ) to request an investigation into the fraudulent account and begin the process of getting it closed. I was told that I would be sent a victim letter to fill out that would kick off their investigation, and that I would receive this letter in 5-7 business days. I never received the victim letter. I called Capital One 360 again on XX/XX/2020 and was again told that I would be sent a victim letter and to expect its arrival in 5-7 business days. I called Capital One 360 a third time on XX/XX/2020 and was once again told that I would be sent a victim letter. I have never received any written correspondence from Capital One 360. On XX/XX/2020 I mailed a letter ( from  IdentityTheft.gov ) along with my FTC Identity Theft Report to the Capital One 360 mailing address listed on their website. I have not received any reply, written or otherwise.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I am writing to dispute the following information that appears on my equifax credit report. 

*Incorrect payments *account date inaccurate * account remains open, Not Open. 

Company name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove this information from my credit report.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diversified Adjustment Service, Inc. (CA)

XXXX  has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-01-07
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CO)

My husband and I purchased our first home in XXXX of 2023 and of course we were over the moon but also overwhelmed. Upon purchase we were going to need a brand new washer and dryer and found one at Lowe 's that we really loved. During the closing process I had some people suggest that I invest is a Store Credit Card that we would use exclusively for purchases regarding our new home. 

When I eventually got the Lowe 's Credit Card I created the account and it came in very handy. We were able to purchase a new washer and dryer and eventually a new dishwasher. But now the card has become the biggest financial burden we have. I noticed I was being charged interest every month but didn't think anything of it as the interest charges were low. I assumed the interest charges were a result of us actively using the card until XX/XX/2023 when we hadn't used it at all and was charged {$90.00}. I called to ask what the going on and was told that as long as I owed money on the card I was going to be charged interest every month until the card was paid off. My husband and I continued to make payments leading up to XX/XX/2023 when I was charged {$190.00} which essentially canceled out the last payment I made on XX/XX/2023 of {$140.00}. 

I filed a complaint on XX/XX/2023 and I have yet to hear back from them despite attempts to reach out over social media.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2023-12-01
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. (IN)

These inquiries do not belong to me, Please remove all the hard inquiries for me. 

Unauthorized fraudulent Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Scott Fetzer Financial Group Inc. (IL)

I started a case study with a company called XXXX in 2018 in that arrangement I an about 400 other people were to pay United consumer financial services XXXX a month and in turn XXXX would mail us a check for the same amount each month XXXX has not paid anyone since XXXX as they are a ponzi scheme I have spoken to ucfs and asked there representative to fogive our loans as a result of this but they have not taken any action since I let thme know about this in XXXX my account number with them is XXXX and the person working on the XXXX case study particiipants is XXXX XXXX extension XXXX please help
Consumer complaint received 2024-04-13
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. (MD)

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.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, 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 other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-01
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)

When I reviewed my credit report, I discovered that some of the information was inaccurate. I also found inquiries that I don't recall giving permission. The following needs to be investigated and be corrected for erroneous reporting in my file : XXXX XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX {$4600.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$4100.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$4600.00} XXXX  LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$4800.00} XXXX LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED US DEPT OF EDXXXX US DEPARTMENT OF EDU Many of XXXX accounts were reported as delinquent however these accounts are currently in good standing and need to be removed from being reported as such. 

Any addresses or phone numbers that do not accurately identify me should be removed.
Consumer complaint received 2024-01-08
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX