davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my XXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX  XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} SXXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$910.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-12-02
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: EQUIFAX, INC. (TX)

XXXX ON THIS CHARGE COMPLAINT XXXX I HAVE A FRAUD ALERT ON THERE I ALSO HAVE A CREDIT FREEZE ON THERE ON ALL CREDIT REPORT AGENCY ALL OF THEM XXXX LETTING THIS CREDITOR COMPANY RUN CREDIT CHECK ON MY CREDIT REPORT TO MY UNDERSTANDING WITH ALL XXXX CREDIT REPORT AGENCY THAT WHEN I HAVE FRAUD ALERT ON THERE AND FREEZE THAT THAT FORCE TO BLOCK ANY CREDIT COMPANY NOT FORCE TO GET INFORMATION ON MY CREDIT REPORT ALL THREE CREDIT REPORT AGENCY TOLD ME NOT NECESSARY THAT WOULD BLOCK THEM WHAT'S THE POINT OF ME ADDING THESE ALERTS AND THEY STILL LETTING THEN RUN MY CREDIT ON TO OF THAT THEY STILL WANT FIX MY CREDIT REPORT THEY STILL WILL NOT BLOCK THEM REFUSING TO CONTACT ME TO VERIFY IF IT WAS ME THEY STILL LYING ABOUT BLOCKING MY CREDIT REPORT FROM THESE CREDIT COMPANIES
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX XXXX XXXX XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I reviewed my credit report and learned that I was a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing my retirement home and would like to have the fraudulent information removed as soon as possible.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XX/XX/XXXX
Consumer complaint received 2018-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (PA)

in XX/XX/XXXX i had a car accident after that i went to the XXXX XXXX Hospital which is located in XXXX pa to be checked. i had a vailed auto insurance. i have never been contacted about any bills or debt. in XX/XX/XXXX the posted the amount of XXXX on my credit report.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am not willing to contact these companies because once I do they have the ability to consider me a " customer '' and my " do not call '' won't be recognized. Not like it is anyway, the laws are not very clear with do not call and why I get so many calls that should not be authorized. But I looked into my credit report and see soft inquiries ( and I understand these as I own a mortgage company ) from the following companies that I did not authorize to obtain my information. I have not provided these companies with my social security number nor my personal information so how are they able to access my credit via a " soft pull ''. 
These are the companies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am very uncomfortable with the fact that our national bureaus are selling our information to other individuals when they make an inquiry with a like company. When will the government stop allowing something as critical as my social security number and credit information be shared for the financial gain of the bureau? 
I am looking for a response from the CFPB not these creditors, I would like the CFPB explain to me how they are " protecting '' consumers with these activities?
Consumer complaint received 2023-10-18
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. (FL)

These accounts balances are incorrect on my credit report I was never given the contracts or itemized billing statements showing how these accounts balances were made, they also added late payments dates and fees to these accounts after they were closed, how can one be late with fees when an account is closed the date of account closed have been updated as no information given on my credit after I contacted them asking about this same problem. XXXX XXXX XXXX Account # XXXX is also a charged off account that I never received my 1099 as law states mt to receive. How can they come after me for a debt that has been paid in full already due to charge off. As for the XXXX Account # XXXX account this was sold to a third party without my knowledge or permission giving my personal information out without my written content also this is still showing as an owed debt with this company when it should be removed if from my credit reports if they have been paid for this debt already due to charge off to third party. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AUTOMOBILE ACCEPTANCE CORPORATION (FL)

This is not my account this account had been removed from my credit and was readded by the investigator. None noticed me It was just replaced I had insurance with XXXX and XXXX and XXXX XXXX XXXX I moved out of state. This isn't my account
Consumer complaint received 2023-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I had {$12000.00} in my PayPal account as of XX/XX/XXXX, when I was XXXX. I was XXXX  from that date until XX/XX/XXXX. During this duration of time, there were multiple unauthorized transactions done. While I was XXXX  someone was able to add an account that isn't even in my name to my account and withdrawal all the money from my account. The account my money was transferred to was a XXXX XXXX account. They won't give me the name or nothing. But the dates of the transfers are XX/XX/XXXX and XXXX of XXXX both for {$2000.00} and XX/XX/XXXX for {$8000.00}. I have tried calling and filing disputes. They opened a dispute but then said that they found nothing wrong and couldn't do anything. I have proof of XXXX that I sent them as well. And they are refusing to further assist with me and my problem.
Consumer complaint received 2023-10-18
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. (NE)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a identify theft report back in XXXX and also a dispute letter about all the inquired on my report and nothing was done. This is effecting my credit and slowing my home owner process
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have been banking with Chase bank for many years back when they were Washington Mutual. I work late in the evening so I do most of my banking online and through ATM 's. On Saturday XXXX XXXX. I made a deposit in the lobby of my local Chase bank for {$940.00}. The machine malfunctioned and gave me a receipt saying I deposited {$80.00}!!. I immediately freaked out looking for my money in the return slot and nothing! I immediately called Chase claims and asked what I should do. I did not want to leave the machine for fear my money would come out. The representative assured me they had cameras so if anything like that happened it would be OK. She put a temporary credit on my account and said they would investigate. 2 1/2 weeks later I receive a letter saying they completed the investigation and they would be taking the {$860.00} back out of my account!!! I called claims and they were no help. They just told me the money was not showing in the report. I was furious and so upset. I demanded they check the cameras and give me a copy of the tape. They said they would only do that if I had a subpoena. I went into my local branch and asked for their help. They escalated this to another office who did a review and denied the claim again. I asked for a manager and they said they would have to have one call me back and NO ONE has even had the courtesy to return my call. I have banked here for years. I have a personal account, a youth account for my daughter and a business account. Their customer service is terrible and they have stole my money. I feel so helpless. My money should be safe when I use their ATM but it was n't. They continue to tell me they can not find the money but I feel they are just looking at the report and not going the extra mile to investigate. Did they do another audit of the machine. Did they check the machine again? Did they check the tape? Did they have a recording of the person who took the money out of the machine. I should not be responsible if they stole my money. I work hard for my money and {$860.00} is a lot of money for me. Not only am I out that money but now this threatens to hurt my credit and keep me form opening an account with other banks in the future. Please help me because Chase is doing nothing!!!!
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX I opened a New lease with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a 36 month lease. In XX/XX/XXXX I traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to XXXX. I received an end of lease liability statement from XXXX for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from XXXX for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my New Car payment and making a monthly payment for the mileage. I called XXXX in XX/XX/XXXX asking what my options were, they brought up to me about making a Settlement for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted XXXX in XXXX & XXXX. I asked them to remove the " XXXX '' late payments from my Credit Report and any Negative terminology. The letters from XXXX indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In XX/XX/XXXX I opened a New lease with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a 36 month lease. In XX/XX/XXXX I traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to XXXX. I received an end of lease liability statement from XXXX for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from XXXX for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my XXXX XXXX payment and making a monthly payment for the mileage. I called XXXX in XX/XX/XXXX asking what my options were, they brought up to me about making a Settlement for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted XXXX in XXXX & XXXX. I asked them to remove the " XXXX '' late payments from my Credit Report and any Negative terminology. The letters from XXXX indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX I opened a New lease with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a 36 month lease. In XX/XX/XXXX I traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to XXXX. I received an end of lease liability statement from XXXX for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from XXXX for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my New Car payment and making a monthly payment for the mileage. I called XXXX in XX/XX/XXXX asking what my options were, they brought up to me about making a XXXX for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted XXXX in XXXX & XXXX. I asked them to remove the " XXXX '' late payments from my Credit Report and any Negative terminology. The letters from XXXX indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.