davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have XXXX, XXXX and Equifax remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XX/XX/XXXX and the end of XX/XX/XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within XXXX  days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have previously submitted a letter urging you to reevaluate the contested accounts on my credit report and to ensure that these accounts are appropriately updated during the investigation process. Regrettably, to date, I have not received a response to my request. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2024-04-10
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. (IL)

FCRA 605B seems to say we need to erase any errors from my credit report. Can you see if there are any mistakes in the documents? Some of the listed accounts have wrong details, like the amounts and dates.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My payments are due on the XXXX of each month and reported after my payment is made. The status of my credit card was reported on the XXXX prior to XXXX  days and before my payment is due for XXXX. This has caused my credit score to drop significantly.
Consumer complaint received 2023-08-07
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: Atlanticus Services Corporation (FL)

I recently got a statement from my credit card company only to find out that my credit account was compromised. Thousands of dollars in purchases fraudulent transactions and fraudulent payments were made. I submitted a fraudulent affidavit and a FTC report. I spoke with a supervisor who advised me that the account would be reopened and a provisional credit was to be issued within 10 days once the fraud claim has been completed.
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

I believe my bank didnt apply any of my XXXX insurance benefits I had originally purchased when buying vehicle back in XXXX I was misled and harassed constantly when not able to work and pay my loan when all along I had XXXX insurance on vehicle and wasnt told so. I had to borrow and find ways to pay for truck loan to not have it repossessed.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (IL)

Ensuring payments are consistently made on time for this account has been my practice, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the existence of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be implemented.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-04-10
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
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. (NC)

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 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 2024-04-10
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)

My information was sold and bought illegally. I am a victim of unfair practices. Someone used my personal information to acquire credit with out my consent or authorization. please assist me with Deleting these items from my credit reports, effective immediately. 
These fraudulent accounts consist of the following : Company or Organization : XXXX XXXX or Organization : XXXX Account Number : XXXX Total fraudulent amount : {$3200.00} Company or Organization ; XXXX Account Number : XXXX Total fraudulent amount : {$3100.00} Company or Organization : XXXX XXXX  Account Number : XXXX Total fraudulent amount : {$170.00} ____________________________________________________ Company or Organization : XXXX XXXX or Organization : XXXX Account Number : XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Total fraudulent amount : XXXX Company or Organization : XXXX  XXXX Account Number : XXXX Total fraudulent amount : XXXX Company or Organization : XXXX XXXX  Account Number XXXX XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX  XXXX Account Number : XXXX Total fraudulent amount : {$170.00} ____________________________________________________ Company or Organization : TRANSUNION Company or Organization XXXX XXXX Account Number : XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX  Account Number XXXX XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX Account Number : XXXX Total fraudulent amount : {$170.00}
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (LA)

I deposited {$460.00} into the atm for my checking acct at navy federal credit union sunday night. the atm stated an error and would return my money. it only returned {$40.00} ( that was stuck and crumpled up ). i informed XXXX XXXX  immediately. they started a claim to check the atm. the claim was denied due to no extra funds being found. i asked them to check the cameras due to having money in my hand walking up to atm but no money walking away. they refused and made me file to review the claim. i can not afford to lose that money.
Consumer complaint received 2024-04-10
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
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've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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
Consumer complaint received 2023-09-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pacific Retrieval LLC (CA)

There saying that I owe {$2400.00} for a car there saying was under my name when that is not true the only car I have had under my name is the car I have currently and I have has if for about 5 years the man that keeps calling Me has been very rude telling me that I need to pay it or he's gon na sue me in a very aggressive tone he also said that it's on My credit I told him I never had another car so how can I have a debt for a car I never had he then says you need to pay it or there gon na take legal action so call us when you have the money and hangs up. I don't know how my name is associated with this vehicle or how he got my number he has called 4 times very rude
Consumer complaint received 2023-05-09
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: CL Holdings LLC (IL)

XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from Jefferson capital systems. XXXX XXXX XXXX don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. Jefferson capital systems, XXXX, and XXXX need to. be sued and shut down by attorney genreral.
Consumer complaint received 2024-04-10
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. (MI)

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. 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
Consumer complaint received 2018-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (NC)

NCC Business Svcs Inc XXXX XXXX XX/XX/2015 for XXXX False charges. 
This issue was resolved with XXXX XXXX from XXXX XXXX. 
There was black mold in the apartment and by NC Regulations Inhabitable and Hazardous to live in. 
These are false charges and predatory practices of harrassment from the former manager at XXXX XXXX. She harrassed me with outstanding false billing and lied about these charges. 
This is not my account.I owe no debt.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I previously sent a letter requesting a reinvestigation of the disputed accounts on my credit report, along with a request to update these accounts during the investigation period. Despite this, I have not received a response to my request as of today 's date. 
XXXX XXXX  XXXX Balance : {$620.00} TXXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$550.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$580.00} XXXX  XXXX Balance : {$550.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint on XX/XX/2023 complain # XXXX .However i requested the credit bureau to Transunion to send me a detailed desscription of the investigation according to 15 usc 1681i ( 7 ) No later than 15 days and they never furnished the requested information .They did reply and said the information has being verified and still they are reporting improper information on my credit file .Attached is a copy of my credit report with the information reported which is not accurate XXXX XXXX XXXX XXXX XXXX XXXX No late payments on those and again verify the balance. XXXX XXXX XXXXXXXX Not my account, Its a corporate account company owned by my Ex -wifeXXXX XXXX XXXX XXXXXXXX Not my Account According to 15USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-05-03
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. (CO)

I have sent in documentation and an FTC Identity Theft report to Experian to remove an account ( XXXX ) from my account because it was the result of fraudulent activity and identity theft. They have not removed it, which is in violation of my FCRA rights.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-05
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: CL Holdings LLC (FL)

An auto repossession on my credit was established in XXXX of XXXX but is incorrectly being reported as it opened in XXXX. After XXXX  years should have fallen off of my credit in Florida based on the statute of limitation but it is still on my credit report
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-10
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. God bless you.I never applied for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX  inquiries not mines XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,