davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TrueAccord Corp. (IL)

I owned a debt with XXXX XXXX XXXX  over 10 years old. I was informed they would take my money from a bank account. I tried to settle with them TrueAccord. My bank warned me of fraud, They would not allow payment. I told them this was fraud, Please help me.
Consumer complaint received 2024-04-11
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. (GA)

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. This is a CLEAR VIOLATE of 15 U.S. Code 1681b - Permissible purposes of consumer reports. REMOVE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
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: EQUIFAX, INC. (KY)

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Consumer complaint received 2023-07-27
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. (TX)

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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a written letter to the company asking them to provide me with a method of verification since they had reported information to be verified and accurate. I asked for documentation proving who they spoke with, when they spoke with them, and any documentation provided to them to verify such information. I requested that if this information could not be verified such information should be removed immediately from my report.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Account name : XXXX XXXX account from XXXX XXXX XXXX with account number of 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 2023-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MS)

Affirm sold to XXXX XXXX XXXX for collection. 
Date Opened XXXX  with XXXX XXXX XXXX {$250.00} Account Number ( XXXX  ) : XXXX {$420.00} Account Number ( XXXX  ) : XXXX {$600.00} Account Number ( XXXX  ) : XXXX This debt has been disputed multiple times and they continue to resale this same debt and accounts to new collections agencies. This is fraudulent account and they are attached to the police report for identity theft but the collection agency keep selling the debt to new agencies. I have directly disputed these same three accounts with the creditors and other agenies but this debt keep showing up on my credit report.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MS)

XXXX sold to Jefferson Capital System for collection. 
Date Opened XX/XX/2022 with Jefferson Capital System {$250.00} Account Number ( s ) : XXXX {$420.00} Account Number ( s ) : XXXX {$600.00} Account Number ( s ) : XXXX This debt has been disputed multiple times and they continue to resale this same debt and accounts to new collections agencies. This is fraudulent account and they are attached to the police report for identity theft but the collection agency keep selling the debt to new agencies. I have directly disputed these same three accounts with the creditors and other agenies but this debt keep showing up on my credit report.
Consumer complaint received 2020-07-30
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: EQUIFAX, INC. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
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: EQUIFAX, INC. (OK)

I got a copy of my credit report and was shocked to see what was on my credit report. N accordance with the FCRA the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk XXXX XXXX XXXX has violated my rights 15 USC 1681 section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written consent
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-04-11
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)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

The attached documents describe best my dispute with Bank of America. In summary, I was the victim of fraud while visiting XXXX in XXXXXXXX XXXX. I am evidently not the only one. See attachments. My Bank of America MasterCard was used, without my consent, to charge me US {$1200.00} for about US {$65.00} ( Mexican {$1200.00} ) worth of gasoline at a XXXX gasoline station. B of A also charged me {$38.00} foreign transaction fees. I advised B of A immediately of the error while the charge was still " pending '' on my electronic statement and instructed the bank to halt payment. B of A refused. At first I thought the charge was merely an error, but it is now clear to me that I was the victim of a fraudulent and unauthorized use of my MasterCard. See attachment XXXX XXXX describing similar frauds perpetrated at what appears to be the same XXXX gasoline station ( on the way to the XXXX XXXX XXXX airport ) at which I was defrauded. 

Now B of A demands that I pay the full amount, even though I never authorized a charge of US {$1200.00} to my credit card and actually instructed the bank not to pay the " pending '' charge. As I describe in the attached documents, I was told at a XXXX gasoline station that the attendant was using my credit card to charge me {$1200.00} ( Mexican Pesos ) for gasoline. The symbol " $ '' is used in XXXX to represent Mexican Pesos. In fact, it turns out that the attendant used my card to charge US {$1200.00} to my account. 

Details of the events, my efforts to get B of A to reverse the improper charges, and my discovery of very similar fraudulent charges at the XXXX station are to be found in the attached documents. Those documents include my correspondence with B of A, my sworn affidavit, and materials in which other US visitors to XXXX XXXX XXXX and its airport have described similar fraudulent transactions with merchants using similar designators as were used to steal money from me.
Consumer complaint received 2024-04-11
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)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XXXX I made a purchase on the internet of {$37.00} on XXXX XXXX. My billing statement for XXXX arrived with a charge of {$100.00} which was entered as a sales account adjustment with no previous balance. I tried several times to contact the vendor where all I could leave was a voice-mail and an assurance they would call back. None of my calls were returned. I contacted XXXX XXXX, explained the situation, and wast told they would file a dispute for the overcharged amount of {$66.00}. In the meantime I submitted a payment for the purchase I made in the amount of {$37.00} ( XXXX ) and given confirmation # XXXX. The due date for the payment was XXXX ( on time ). The next statement I received from XXXX XXXX was now {$100.00} with interest of {$2.00}. All statements since, have crazy fees deductions and additions. I have regularly called trying to settle the overcharge, sent explanations to their XXXX XXXX XXXX South Dakota ( no phone for office ) and have spent hours on the phone trying to resolve the issue. XXXX XXXX is now harassing me for payment, and has immediately reported a non-payment to the credit bureaus. My XXXX XXXX dropped about a XXXX points from them, and this fraudulent charge has been constantly under dispute. I am starting to think XXXX XXXX is committing this fraud. Before this happened I had to dispute another charge which was resolved back in XXXX of XXXX. I have not used their card since then. XXXX XXXX not talk to me ( their logo on the card ) as XXXX XXXX is a LLC management company. I have always maintained an exemplary credit rating through the years and my available credit has been especially high. I need help with this company to get this resolved. Thanking you in advance. I wii not pay this charge until XXXX XXXX can provide proof of purchase, which they cant..
Consumer complaint received 2024-04-11
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. (TX)

Transunion Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *HAVE ALREADY CONTACTED THE CREDITORS AND THANKFULLY NO ACCOUNTS WERE OPENED DUE TO THESE INQUIRIES. JUST NEEDING TO GET THESE INQUIRIES REMOVED SINCE THEY WERE FRAUDULENT* *i 'VE ALREADY PUT IN ANOTHER COMPLAINT BUT YOU HAVE ONLY REMOVED THE " XXXX XXXX '' BUT COULDN'T COMPLETE THE REST BECAUSE YOU COULDNT VERIFY MY IDENTITY. IM GOING TO ATTACH THE THEFT REPORT ALONG WITH A COPY OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ALONG WITH A UTILITY BILL SO THAT YOU CAN CONFIRM MY CURRENT ADDRESS.
Consumer complaint received 2023-02-21
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: Credit Karma (MN)

I received a marketing email from Credit Karma that implied I had a derogatory mark on my report. When I logged in to get more information, it was determined that I had no derogatory marks. The marketing email appears to be an attempt to use fear of derogatory marks against you to drive traffic to the Credit Karma website. This is offensive and unethical.
Consumer complaint received 2023-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC (IL)

This is a predatory lending company!!! And should be banned from Illinois like the rest! They did not take my payments as they were supposed to and I called them and questioned this several times I believe this was done on purpose to have the loan default and then as u can see the outrageous interest charges!!! And then they garnish your wages. Thai is standard practice for This company! They are a scam and need to stop taking advantage of people and be put out of business! Please help!
Consumer complaint received 2024-04-11
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)

TO WHOM IT MAY CONCERN, I AM A VITIM OF ID THEFT, I DID NOT MAKE OR AUTHORIZE THIS ACCOUNT. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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: JPMORGAN CHASE & CO. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 d purpose.
Consumer complaint received 2018-09-30
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (GA)

Dear Consumer financial protection Bureau, I was tricked into " GO PAPERLESS '' on " CITI Card " web site, ( Citi Credit Card ) I did not intend to GO PAPERLESS, no Statement, no payments lead to bad credit, over a {$120.00} amount! 
obviously i paid in full immediately as soon as i found out about this i have maintained perfect credit for 30 years, this silly mistake ruined my credit, Citi card bank won't take any actions to correct the issue, on XX/XX/2018
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX