davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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. (NJ)

How did Transunion verify this account? 

How was a proper investigation done when NO NOTICE OF DISPUTE WAS PROPERLY ENTER ON my credit report? Attached proof at the bottom XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX I need to be provided with documentation that includes the Original Purchase Agreement, Terms & Conditions, Proof of ownership of the Original Creditor from each account. 

Or I will be suing for violations of my rights according to the FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy. DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT OR I WILL BE PURSUING LITIGATION FOR ACTUAL DAMAGES OF ARTIFICIALLY DAMAGING MY XXXX SCORE.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has inquiry 's on my credit report that is not recognized. 
I Attempted to dispute them through Experian, but no results I've downloaded a letter of the inquiry 's i want to dispute which is XXXX. XXXX inquiry date : XX/XX/XXXX XXXX. XXXX XXXX inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  inquiry date : XX/XX/XXXX XXXX. XXXX XXXX inquiry date : XX/XX/XXXX XXXX. XXXX XXXX inquiry date : XX/XX/XXXX
Consumer complaint received 2024-04-09
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-09
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. (TX)

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

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I understand that FCRA XXXX mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-10-19
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. (NY)

According to credit Act 15 USC 1681B permissible purpose of consumer reports. This law states in general that unless a consumer reporting agency has your written instruction they are not to furnish anything to your report. I did not give consent which is written instructions an also credit Act15 USC 6802 obligation with respects to disclosure of personal information I have already filed a complaint once XX/XX/2023
Consumer complaint received 2024-04-09
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bliksum, LLC (CA)

I have a payday loan with XXXX XXXX XXXX on XXXX, XXXX, CA. I asked about their loan products. They usually recommend XXXX. I hesitated because I've had problems with their ethics practices. They're unscrupulous. The staff assured me they claimed they will work w/XXXX  customers. Their clients don't have stellar credit with FICOs above XXXX. Their incomes are typically less. Mine is better but my FICO is low. At their suggestion & great reluctance I applied on XX/XX/XXXX. You have to do it directly w/XXXX by phone. I spoke to XXXX at XXXX XXXX @ ( XXXX ) XXXX. She said she was unable to get my app to go thru, had no idea why, would talk to her supervisor ( at my insistence for a reason as to why ) & call me back before she left at XXXX XXXX. She never did! No surprise. I told XXXX of my experience. They were shocked because that isn't what they were told. They are being asked to promo XXXX  's product to their clients. All XXXX is doing is clocking numbers, running inquiries on consumers credit w/XXXX which depletes your already not good FICO down by 10 points for 2 solid yrs. & you still get declined! They're a numbers based business playing a game w/consumers time & lives. XXXX was unable to comment because they were lied to by XXXX 's sales rep just to get the business. LoanMe is not capable of supplying loans to XXXX customers, their FICOs & incomes are too low. XXXX  payments are incredibly high & are per pay period w/interest only for months before anything goes to principal. I called again on XX/XX/XXXX & s/w XXXX, supervisor. He said my app didn't go thru because the system has me blocked because I filed a XXXX  complaint in XXXX for their practices which were worse than recent events. Each time I applied ( 3 times ) they never sent a Reg B letter. Claimed to but never did even though they had correct info. Instead of trying to change my mind about them, they black balled me & never told me that or why. I had to persist to find out about it!
Consumer complaint received 2023-11-01
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. (CA)

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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. (CA)

This is my numerous 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, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax 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 30 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, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-04-09
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. (TX)

Throughout the history of this account, I've consistently maintained timely payments, ensuring they never surpass the due date. The appearance of late payment remarks on my accounts leaves me puzzled. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-09
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you verify the paperwork? Certain entries are misreported concerning their details, such as inaccurate amounts and dates.
Consumer complaint received 2023-12-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

This company is reporting false information to the credit bureaus. I do not own this company any money because I never did business with this company. I have contacted this company multiple times and yet they can not provide me with proof of me owning them anything. Yet I do not owe this company anything they are continuing to report to the credit bureaus.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MI)

I missed a payment on XX/XX/XXXX, by XX/XX/XXXX, I received a letter stating Synchrony Bank ( Wal-Mart ) had decreased my credit line by XXXX dollars. My balance was XXXX with an initial credit line of XXXX. By them making this drastic decision based off one late payment, my credit score has decreased. Now I have a balance of almost the entire new lower limit. I have never heard of a credit card company taking such an action. I began with this card, having a XXXX limit and was increased without soliciting them to do so. I would like my limit raised back to XXXX. I have been a good customer with Synchrony Bank. They made such a brash decision in 5 days from my payment being late! They also have terrible customer service. After the payment was late I called the customer service number to set up a payment. They never took the payment from my bank account and immediately assessed another late fee. I am very disappointed in this company. There are many, many complaints on the XXXX site although they are still rated A+ which is almost impossible given the thousands of complaints.
Consumer complaint received 2018-08-05
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. (UT)

XXXX XXXX XXXX XXXX provides our Fica score on their site. Recently our score dropped over 20 points. The explanation is that we have balances that are too high. However we don't have high balances. We have one car loan of {$5700.00}. We have a home loan and those are the only balances we have. We have more than adequate income for these balances. We never carry a balance on our credit cards. I have talked to XXXX XXXX XXXX XXXX. They referred me to Experian claiming that they exclusively get the report from them. I talked to Experian and they claimed it was XXXX XXXX that decides what the report says. The representative continually tried to get me to open an account with Experian. It has seem like Experian is hurting our credit to force us to pay for their service. The other two credit reporting agencies don't report our balances are too high. I feel like this is black mail. We can't even open a dispute because we don't have any high balances to dispute. I have included the credit report from Experian. Can you help with this?? 
XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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. (TX)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Consumer complaint received 2023-10-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (AZ)

There was a purchase on XX/XX/23 for {$240.00} that was not mine. I notified Commenity bank by mail and I received a letter stating they were investigating. About a month later, I received a letter stating I was not responsible for the transaction and it would be removed. They charged me again for {$240.00} and only added one credit. The original {$240.00} is still on my credit card.
Consumer complaint received 2023-10-19
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. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX 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 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Received mail from XXXX XXXX XXXX XXXX ) Settle at {$0.00}!!! 
ON CREDIT REPORT INACCURATE PLEASE UPDATE ON ALL XXXX MAJOR CREDIT REPORTS
Consumer complaint received 2024-03-17
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. (GA)

The Experian Credit Bureau has improperly used incorrect information to obtain information. That is a complete violation of my rights. They must get consent from me to inquire information. 

The addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX and None XXXX XXXX are inaccurate addresses.
Consumer complaint received 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I have a XXXX XXXX with XXXX XXXX XXXX and I was cancelled at few days because I was not happy with the service. When I signed on for the service XXXX XXXX XXXX said there was no cancelation fee but at I cancelled they wanted to collect cancelation fees. They now transfer or sell the debt to IC SYSTEMS COLLECTION to collect the money I didn't owe. I paid all my bills to XXXX XXXX XXXX.
Consumer complaint received 2024-01-03
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. (OH)

Subject : Request for Resolution of Credit Report Discrepancies Dear Equifax, I am reaching out to address several accounts on my credit report. Specifically, accounts with XXXX XXXX XXXX and XXXX XXXX  have already been removed due to either statute of limitations or the inability to validate the accounts. 

Additionally, XXXX XXXX has exceeded the statute of limitations and failed to provide validation for the debt. XXXX XXXX  has also surpassed the statute of limitations and must be promptly deleted from my credit report. I have confirmed this information with the Attorney General of Ohio. 

Furthermore, the XXXX XXXX bankruptcy listed on my account contains inaccurate information that requires correction or verification. 

Your assistance in resolving these matters is greatly appreciated. 

Sincerely, XXXX XXXX formally known as XXXX XXXX