davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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)

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
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (AL)

Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX & XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
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. (NY)

On XX/XX/2023, I received a notification of a new Hard Inquiry from the following entities, also occurring on XX/XX/2023 - XXXX XXXX Banking XXXX XXXX XXXX Due to this hard inquiry, my credit score dropped 5 points. 

I have not attempted to open a credit card or being any product with these entities. I called both companies and there is no record of my social security number or name associated with their companies.
Consumer complaint received 2023-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (OR)

I fell a little bit short on my bank balance in XXXX of XXXX. I have poor credit, so in desperation I took out an online loan for {$600.00}. They are now direct debiting my bank account every two weeks for {$110.00}, and are going to continue doing that until XX/XX/XXXX. I will have paid a total of about {$2600.00} on a {$600.00} loan. In retrospect, it would have been much cheaper to just pay the bank overdraft fees.
Consumer complaint received 2023-10-14
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. (IL)

I'm to inform you of these rights... In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 ) (! ) 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. 
. 
These inaccuracies are hindering me from obtaining new credit cards and the purchasing of my business vehicle to sustain work.
Consumer complaint received 2024-04-05
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)

In early XXXX, I made a {$1000.00} balance transfer from one credit card to another, resulting in a net {$0.00} change, but on all three credit bureau reports, my score dropped by XXXX points. I have never seen an increase or decrease by such a huge amount for any change in my credit use, and in this case, my credit use didn't change since I was decreasing the use of credit on one card by {$1000.00} and increasing my credit use on another card by {$1000.00}. The credit bureaus have no mechanism to dispute or even submit an inquiry about credit scores online or by phone, because " they are not a component of your credit reports but are, instead, numbers generated by the credit scoring models based on the information as it appears in your credit report at the moment it is requested. '' How is it possible that a net {$0.00} change in credit use can result in a XXXX point decrease from which there appears to be no way to recover those points? I have never seen fluctuations in my credit score that were bigger than XXXX points one way or the other. 

Also, if there is transparency about credit scoring that would help me understand my situation, where is it disclosed and why is it so difficult to find it? When you call the credit reporting agencies, there is no way to talk to someone. You're simply referred to the website, where there is no way to submit an inquiry or dispute regarding scoring issues.
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I have reached out to transunion all year round about this fraud on my credit. I have a fraud alert attached to my name and they are aware of this. XXXX have information about this all and failed to protect my identity. They told me to send all my personal information through the mail. That includes social, California id etc. Thats like giving someone your whole identity. I asked what is another way that i can send this type of information and they didnt help. My identity is being used nation wide and ther credit bureaus are not helping. I am not protected and brought every protection you can think of. They is one reason my identity have been tooling because they never tried to help and wanted me to send my whole life through mail. This is not okay. I cant open up bank accounts my credit is at a stand steal because of all this. I need help from anything PLEASE. Nobody is listening and this is why! I have police reports. Inquires need to be removed as well as anything else that was no by me. I need ALL credit bureaus to fix this problem.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DIRECMANAGEMENT, INC. (AL)

I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Alabama, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. The date last active for XXXX is XX/XX/2023 and date last active for XXXX is showing XX/XX/2023. This shows discrepancies to lenders.. Why the date last reported for XXXX is showing XX/XX/2023. The date last reported for XXXX is showing XX/XX/2023. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I have reached out to transunion all year round about this fraud on my credit. I have a fraud alert attached to my name and they are aware of this. XXXX have information about this all and failed to protect my identity. They told me to send all my personal information through the mail. That includes social, California id etc. Thats like giving someone your whole identity. I asked what is another way that i can send this type of information and they didnt help. My identity is being used nation wide and ther credit bureaus are not helping. I am not protected and brought every protection you can think of. They is one reason my identity have been tooling because they never tried to help and wanted me to send my whole life through mail. This is not okay. I cant open up bank accounts my credit is at a stand steal because of all this. I need help from anything PLEASE. Nobody is listening and this is why! I have police reports. Inquires need to be removed as well as anything else that was no by me. I need ALL credit bureaus to fix this problem.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : 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 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 or 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 2023-10-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (FL)

Ally financial is not legally obligated to report to credit bureaus and is threatening to do so in order to receive a debt collection. According to 15 U.S. Code 1692e section ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
Also In accordance with the Fair Credit Reporting Act, ALLY FINANCIAL, 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 my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act, the listing of accounts below have violated my federal protected consumer rights to privacy and confidentiality un 15 U.S.C 1681 : 1 ) XXXX XXXX XXXX  ( XXXX ), account # XXXX XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX  XXXX  XXXX, account # XXXX. 
XXXX ) XXXX account- I am not liable for a debt with XXXX. I do not have a contract with XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A states ; I have a right to privacy. 15 U.S.C 1681 section 602 A Section 2 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-10
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. (LA)

This is XXXX 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 XXXXnder 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 2022-11-21
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (OH)

XXXX, LCI Consumer Center, XXXX are reporting a bankruptcy On my credit report and they have put in the date of furniture that the XXXX BANKRUPTCY XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DIVISION which is false, attached is a copy of a letter from the US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX verifying and stating that they do not furnished information over to the credit bureaus or any credit monitoring services nor they verify or validate any information concerning Bankruptcies. XXXX, XXXX & XXXX are falsely stating this information on my credit reports and have yet removed this information from my credit reports.THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA {$610.00} ( 15 U.S.C. $ 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY
Consumer complaint received 2023-10-14
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. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should have deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by a data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Today at XXXX XXXX, we contacted Equifax. We've been waiting for over XXXX  months. To be able to see our score online so that we may be able to also look at any discrepancies on. Are credit file XXXX  facts will not despite us uploading a lease to them, allow us to see our scores. We were told by the first person of XXXX XXXX ago that we would be able to see our score the following day. When the following day came, we were not able to see our scores. And we did XXXX XXXX to call in again. Since folk XXXX, another representative who told us that we needed to upload proof of registered sea, so we sent over our lease. Weeks later, we continue to have the issue and contacted someone on today. 
They relayed the information and the address. XXXX facts and XXXX will would not unlock our files, so they we could see it.