davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (RI)

I had a car loan with fifth third bank. When I bought another car, the loan was closed. I had automatic payments coming out of my checking account to pay the loan and neglected to put a stop automatic payment. It made a payment after the loan was paid off. I called and put a claim in. The representative told me to email evidence that it was taken out of my account. I did comply and he then told me that the claim was approved and I would receive a payment in 10 days. That was XX/XX/2024.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

To whom it may concern : I am writing to request that you freeze my account and not allow access unless specifically authorized by me! Additionally I would like opt out of prescreened credit offers. Please return a PIN code that I can use to unfreeze my report in the event that I would like to apply for credit.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

Received calls from company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX some prior to that but do not have record. 

Claim there is amount owing of approx {$160.00}. for XXXX Informed them billing is wrong, and go back to XXXX and correct it. Nothing is owed ' they just keep calling and threaten me with further action. I told them months ago to stop calling.
Consumer complaint received 2023-04-28
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. (NV)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$95.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00}. Also, I want to dispute XXXX XXXX XXXX XXXX XXXX account, Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I WAS CONTACTED BY THE COMPANY CAPITAL ONE STATING I HAD AN OUTSTANDING BALANCE ON A CREDIT CARD I HAD WITH THEM AND THE CREDIT CARD WAS SENT TO THE ADDRESS XXXX XXXX XXXX XXXX, XXXX, TEXAS, XXXX. I INFORMED THE COMPANY I HAVE NEVER OPENED NOR APPLIED FOR A CREDIT CARD WITH THEM AND I AM NOT FAMILIAR WITH ANY ADDRESS IN XXXX TEXAS BECAUSE I HAVE NEVER LIVED IN XXXX. THEY THEN GAVE ME INSTRUCTIONS TO FILE A REPORT WITH THE FTC AND LOCAL POLICE DEPARTMENT.
Consumer complaint received 2024-01-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX claims that I legally owe them money, but I will only pay under certain conditions. I demand that they provide the following : 1. Validation of the debt, that is, the actual accounting ; 2. Validation of a signed invoice ; and 3. A copy of the contract binding both parties, myself, and their company, in a letter by certified mail so that there is an independent witness to it having been delivered. I would like to bring to your attention that XXXX and XXXX have already removed this account from their records. There was an error present, and they were able to find it. I am confused as to how you have verified it while the other bureaus have removed it. I would like to remind you that it is your legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information reported on my credit report is accurate and verifiable. I hope that you will take this matter seriously and remove the incorrect information from my credit report as soon as possible.
Consumer complaint received 2024-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have contacted XXXX, XXXX, and XXXX about numerous inquiries made using my social security number that were not made by me. I requested that these inquiries be removed and that my credit be frozen. I have also reported this information to the companies and informed them that they need to verify the identity of the person using my information, as that person had a fake ID pretending to be me. Additionally, I have filed a report with the FTC and have a reference number XXXX. However, nothing has been done about the credit inquiries, and the companies have not responded at all.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

In XXXX, I opened an account with XXXX XXXX XXXX XXXX, which eventually closed due to me being overdrafted. In XXXX, XXXX XXXX XXXX XXXX began reporting the closed account debt on my Chexsystems, however, when I called XXXX XXXX XXXX XXXX in XXXX to rectify the debt, I was told it was no longer owed. On XX/XX/XXXX, I went to a credit union and attempted open a bank account only to be told that XXXX XXXX XXXX XXXX ( which is now apart of XXXX XXXX  as apart of an acquisition ) is now reporting that I owed them a debt and was denied opening an account at the credit union. 

It took several attempts of research to locate a way to pay XXXX XXXX XXXX XXXX as they are now defunct. I went into a XXXX XXXX  in person and inquired how to pay the debt for their partner company and I was instructed to pay the debt there at the XXXX XXXX, which I did. 

I have continued to try to reach XXXX XXXX XXXX XXXX to get a letter confirming the debt was satisfied and to remove the debt from ChexSystems and any other reporting agencies, but their company has difficult customer service and it has been impossible to get further assistance.
Consumer complaint received 2024-01-04
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. (RI)

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. The following accounts have been investigated multiple times with all three reporting agencies. The results of the investigation have not been updated as promised and currently prove to show inaccurate information that is negatively impacting my life. I have asked for the verification of dates. Balances, matching addresss, and account information on my credit report for all displayed accounts across all bureaus. All 3 reporting companies have stated that the report is up to date and every single detail displayed is accurate. After, I decided to investigate and thoroughly review the report about this old information and found multiple discrepancies and errors after they made opposite claims. This is frustrating and impedes the process to financially prosper. Following accounts must be removed from my credit report as I also do not have any signed contracts associated with them. Also, these accounts are over 7 years old and violate my right for how long it should be reported. 

XXXX  XXXX XXXX XXXX XXXXXXXX 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 and other adverse items 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 2018-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

I joined XXXX in the beginning of XX/XX/XXXX. They sent validation request on my behalf to XXXX. I then sent my own validation letter ( 2nd request ) on XX/XX/XXXX via USPS Certified Mail. In the letter I requested definitive proof that the debt they are trying to collect is indeed mine. I have yet to receive the requested validation, instead I have gotten the SAME EXACT response letter 3 times now, saying the debt has been VERIFIED. On XX/XX/XXXX I submitted my first complaint to your office because the mandatory 30 day waiting period lapsed ( Complaint # XXXX ). XXXX then responded that they did in fact validate the debt, which is absolutely false, ( attached are copies of our communications. ) I sent my THIRD request for validation via USPS Certified mail on XX/XX/XXXX. Surprise, surprise! I got the SAME letter again. This debt has NOT been properly validated and I want PROOF that it is mine.
Consumer complaint received 2024-04-27
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. (FL)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1800.00} XXXX XXXX XXXX {$1900.00XXXX XXXX - XXXX {$150.00} XXXX XXXX - XXXX {$1900.00} DP XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX - XXXX {$1400.00} XXXX  - XXXX {$0.00} XXXX XXXX XXXX {$180000.00} XXXX XXXX XXXX {$0.00} INQUIRY XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My debit card was stolen and a lot of unauthorized withdrawals were made. I contacted chase bank they sent me a dispute form. I completed the dispute form. A week later they denied the claim. I even sent them a copy of my airline flight tickets to prove I was in XXXX XXXX during the times my debit card was being used without my authorization. My card was stolen on XX/XX/XXXX it was used without my authorization until XX/XX/XXXX. I reported on XX/XX/XXXX that is the day I discovered the unauthorized charges when I logged on to my online account. In total XXXX was stolen from my account
Consumer complaint received 2024-01-04
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. (IN)

In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ACCOUNT : XXXX XXXX XXXX # XXXX ACCOUNT : XXXX XXXX XXXX  XXXX # XXXX ACCOUNT : XXXX XXXXXXXX # XXXX - 15 U.S.C 1681 sec 602 A. States I have the right to privacy.

-15 U.S.C 1681 c ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information other than records of convictions of crime which antedates the report by more than 7 years.

-15 U.S.C 1681-2 ( 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 2024-01-04
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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
*XX/XX/2023    XXXX XXXX XXXX XXXX XXXX XXXX XXXX
*XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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 have inquiries on my credit report. 

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
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

They Keep providing Information that is not relevant to what my concerns and Questions are? I have Attending court they mail me the same information over and not yet not what i have requested.

This need to go father what others steps are there that i can Take at this point court has not been helpful even the judge agreed that the price was not going down no valid reason as to why the prices keeps going up yet he still agreed with them because he always does he is being paid by the debt collectors.

I am Not giving a fair change or reasoning as to why they are reporting inaccurate information on my credit reports this is actual damage and effective my life. This debt is not current this is not a new debt yet they are reporting this debt as recent debt, taking my money with no notice it should have been sent certified mail and i should have had to sign and made aware of my taxes and wages being took.

This has been a on going problem and i am not looking for a responses from them looking for a solution, want them to stop reporting inaccurate information on my credit report, the amount is inaccurate, wage and taxes have been took and the amount should be going down not continuously going up, why am I being charged interest and can this stop? What can be done to stop garishment of taxes and wages, can we come to an agreed settlement amount where interest is not continuously being charged and going up.

I am Currently XXXX XXXX XXXX and have a XXXX hearing coming up in XXXX. I need my income taxes and do not want them to garnish them, how can this be stopped? What is a solution, can it be mailed to me, This is effective my life and lively hood and just because they are responding with lawyers doesnt make it right. This was my car my property and it was stolen and took from me illegally, with unfair and unreasonable, and illegal possession and practices and they continue to ruin my life and cause damage with incorrect, unfair information and harassment and garnishments. 




They had dont and are doing illegal practices and taking advantage of poor people this was reporting as a Charge off, has been charged off yet Im still being harassed and garnished and every time i apply For something it is reporting as a new account or recently delinquent account. The numbers are not correct the amount is not correct. How can this debt keep changing dates how is this possible? This needs to go farther what are the next steps please do not close this because they reply incorrectly information. Need valid clear solutions, what can be done to stop incorrect reporting, changes of the date of the debt, the amount of the debt, how can the garnishment be stopped, can we come to a settlement amount?
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: Experian Information Solutions Inc. (SC)

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that werent opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-04
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. (MI)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 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. This also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681. ( 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 2024-01-04
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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 have recently obtained a copy of my credit report, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. SEE FOLLOWING : NEGATIVE ACCOUNT TO BE DELETED ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX ( ORGINAL CREDITOR : XXXX  XXXX ) XXXX XXXX ( ORGINAL CREDITOR : XXXX  XXXX ) XXXX XXXX XXXX ( ORGINAL CREDITOR : XXXX XXXX XXXX XXXX DATE OF INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
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)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX