davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

When I was a student at the University XXXX XXXX, my identity was stolen and credit cards were made without my knowledge. On my credit report it shows the address XXXX XXXX XXXX, XXXX XXXX, NY XXXX, which I have never lived in. With my stolen identity, they maxed out 2 credit cards and never paid any of the balance. One was a XXXX XXXX XXXX card and the other was a XXXX  XXXX XXXX XXXX card with a limit of XXXX XXXX The card was mailed to the XXXX XXXX address and they used the card on XX/XX/2022 as I was told by XXXX XXXX 's fraud department. I sent them proof of my work schedule and me at work in a restaurant in XXXX XXXX, Michigan with time stamp, date stamp and Geo location stamp. I physically wasn't present in the XXXX located in XXXX XXXX and XXXX XXXX did their investigations for the past 2 years are still deeming it not fraud and that it is my responsibility. Due to this, my credit score has dropped from XXXX 's to a low of XXXX and was on the rise to XXXX when XXXX XXXX decided to send it to collections and dropped again to XXXX. The card had months of delinquent payments as I was unaware of its existence. XXXX XXXX refuses to sent me a copy of my application for the credit card and the monthly statements. When I had first called, they had a different email and telephone number on file. I tried to remove this address from my credit file from Equifax and XXXX XXXX is deeming it my fault and therefore won't let me remove this address from my credit file which XXXX  XXXX did their investigations that show I made the card online from that address I never lived in. I am stuck in a circle that XXXX XXXX has made as I filed for fraud so many times and their investigations show through the credit bureaus this address in which the cards were made and I can't remove the address from my credit report from these bureaus. I had lost my wallet many years and I was randomly called one day by XXXX XXXX police that they had pulled over a driver who was carrying around my Driver 's Permit. The amount was XXXX $ and due to late fees and interest, it has ballooned to over XXXX XXXX The card was made XXXX of 2022 and was used XX/XX/2022 and it was used with a physical card at a XXXX in XXXX XXXX when I was working at a restaurant all day that day in XXXX XXXX, Michigan. I will be attaching proof of time stamped, date stamped and geolocation stamped photos that I was in XXXX XXXX the entirety of my cards being made and used in XXXX XXXX, New York.
Consumer complaint received 2024-01-09
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)

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2024-01-09
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. (PA)

I have disputed the attached accounts multiple times for inaccuracy and false reporting. The are not any accounts I recognize opening and accounts have so many discrepancies that I question the integrity. I have a right to accuracy and completeness on my report so I have requested that the inaccurate accounts be removed but they are still reporting. The accounts do not even show a notice of dispute so I KNOW there was not investigation completed. The account must be removed since it is impossible to verify the because of all the inaccuracies and discrepancies.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-04-28
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)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I had cancelled my membership with Experian Credit report and received a refund from them. Every Month since then they had tried to charge me debit card for {$4.00} but the payment was always declined. Today I found that not only was charged {$4.00} but that they used a new card that i have not authorized them to use and never provided. When I spoke to customer service they told me that they can not return the {$4.00} and that I did provide the card which I knew i did not because is a new card with a service that I do not use since XXXX. I asked to direct my call to a supervisor. Supervisor, XXXX spoke to me and told me that she needed to transfer me to billing because she was not able to help me with the issue. This was around XXXX XXXX Then she transferred me to XXXX in Billing to whom i explained the above situation, she told me that this is the first case they have like this. I told once again to her that i did not provide my debit card information, neither i did authorize any charge. She asked to wait in the line and them transfer me to the direct line where someone else answered. The new person on the phone told me that they are not able to connect me with the same specialist that i was talking to. I am frustrated to identify how Experian obtained my Debit card information and the authorization. I have all the e-mails including the one yesterday where my old card was declined. My membership number with them was XXXX
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (AZ)

These accounts and inquiries are not mine they was made without my permission, or consent,. inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I did not have a contract with both companies that have been listed on the dates they are reporting that the account is was opened. Each time I dispute it they change the date. I've tried to dispute these items with XXXX XXXX Equifax and they don't seem to care not resolve this issue. Its incredibly difficult to get someone on the phone, they don't follow through with their investigation. Allow these companies to access my sensitive data and post damaging misinformation on my credit report is grossly neglectful and irrisponsponsible of credit reporting agencies. Especially when I've brought this to their attention many times! Its violated my right to fair treatment and privcacy of my personal information.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (TX)

ALDOUS AND ASSOCIATES has placed a negative non paid debt on my credit reports. I do not know who they are and they are asking for a debt that they have not contacted me for or sent any validation for. I sent them a letter electronic and certified mail which they received XX/XX/2023, requesting they show proof of this debt. I canceled my membership with XXXX XXXX and the monthly payment was {$5.00} a month. They are unable to send me paperwork and have been ignoring me, but still placed a negative report on my account. 
They need to respond to my letter of validation which I have attached to this, and remove the error in their reporting.
Consumer complaint received 2024-06-13
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. (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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX 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 2024-04-29
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they have 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 an 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 2024-01-09
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. (AZ)

I called Transunion on XX/XX/XXXX and also XX/XX/XXXX and spoke to representatives about the generic letter that I received about my disputes. The letter stated that it appeared that an unauthorized third party company sent a letter to them. I called and talked to XXXX the supervisor from XXXX in the specialized fraud dept at XXXX XXXX. I explained to XXXX that it was in fact me that sent in all of those documents and he still told me he couldn't help and I would need to send them all back even though they have all of the documents that I sent. He stated I could be a third party person and I assured him I wasn't. I even told him he could verify me again and he said he couldn't help. As a consumer this is very frustrating and against my rights according to the 1978 FDCPA 15 U.S.C. 1692-1692P. 

I also sent them my police report and my FTC report which shows fraud from the accounts that I've disputed. I asked Transunion to validate the fraud accounts to no avail. FCRA 605B ( 15 U.S.C. 1681C-2 ) was also submitted to block these fraudulent accounts along with fraud inquiries, bankruptcies, and address. The accounts are hindering me from obtaining credit and housing.
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: EQUIFAX, INC. (NC)

Request for Investigation of Unauthorized Information Being Reported On Credit Profile To whom it may concern, I recently came across my credit report and saw there were errors on my report. I request the deletion of inaccurate information thats not verified thats on my credit report. Which is address XXXX XXXX XXXX, XXXX, NY XXXX & XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The only address that should be listed is XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. Heres a photo ID of where I live for proof
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX agreed to remove all reporting late payments from my credit reports and they told me to wait and that they submitted the request to the Credit Bureaus and to wait for them to remove them I have contacted the bureau about when will they remove the info that was requested to be removed and all 3 bureaus told me that the removal of account or account info is not done on there end so I contacted XXXX XXXX XXXX and they told me that its not done on there end so I have been waiting for to long for the removal of the late payments that were agreed to be removed.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed ASAP.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

I got a Chase Ink business card in XX/XX/2023. I used it successfully for a few charges and then tried to purchase something from an online business based in XXXX. The charge was legitimate, and I completed it using another method after my Chase Ink card failed. That was on XX/XX/2023. 

Ever since then, my card has not worked, and no one has communicated why. I have called twice and been put on hold and falsely told someone would call me back. They claim the card is under security review, but they never 1 ) Asked me to confirm the purchase ( it was valid ) ; 2 ) Told me the card was under review ( I found this out by repeatedly calling ; 3 ) Told me I couldn't use the card ( it was declined repeatedly ; it was humiliating. ) To summarize, Chase refuses to 1 ) Tell me what the issue is ; 2 ) Fix the issue ; 3 ) Let me close the account. Additionally, I was just charged an annual fee for a card they won't let me use. 

I would like to close the account, have it removed from my credit report, and have my annual fee refunded.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
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. (CT)

My payments are always made on time, of that I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. USC 1666b states that any billing errors should be corrected, or they will be required to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-29
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)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2024-04-29
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. (VA)

I have accounts reporting on my credit due to fraud, I did not open these accounts, I had a nurse taking care of me due to XXXX reasons and was tooken advantage of due to her getting a hold of my information, I gave no one permission to open anything in my name and will like them to be removed please
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (CA)

This is my 8th 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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. (NC)

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. 
TRANSUNION : 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 Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor