davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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. (TX)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!


15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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 2024-04-15
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the inquiries listed were authorized by me. I requested their removal in early XX/XX/XXXX2023 but have not received any updates regarding their removal.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported. 
I am a victim of identity theft, and I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed 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 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and XXXX. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I ama victim of identity theft. The paperwork I have sent to the credit agencies is not being attached to my disputes. They say that the address is not clear but it is. And I have filed a police report and a FTC report. And I have asked for copies of the verification process according to the FCRA and am not getting anything back. This is a clear violation and the FCRA says that the agencies are violating the law and can be fined.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Ive been back and forth with all 3 credit bureaus XXXX, XXXX and Equifax disputing a XXXX wireless account since at least XXXX of 2022. Ive disputed the account online and have disputed it by certified mail twice. Basically XXXX says I owe a balance I dont owe. I have an email from them showing they were supposed to apply a credit to my account which they never did. Ive explained this to the credit bureaus ( XXXX, XXXX and Equifax ) sent them the documents and they never remove the account simply because XXXX says I owe it. When Ive shown them in writing they agreed to apply a credit Im owed and they never did. Also proving I dont owe whats being said. The only resolution in this case would be to remove the account from my credit report. I will attach the photo of the email I sent them ( again proving the account is wrong ) along with the balance sheet and the most recent certified mail receipt. Showing Ive made every effort to resolve this matter.
Consumer complaint received 2023-12-05
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. (SC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.
Consumer complaint received 2021-09-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have submitted written requests to all 3 Credit Bureaus disputing inaccurate information that should be removed and it has been 30 days with no results.
Consumer complaint received 2024-04-15
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. (TX)

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 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 2023-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complaint serves as a formal notification that failure to block the specified accounts on my report will result in legal action. I have apprised my legal representative of my intent, and they are prepared to hold you accountable for willful noncompliance, currently constituting multiple violations of FCRA laws. My attorney, having successfully litigated against your organization in similar cases, is optimistic about the potential outcomes and damages involved. While I prefer an amicable resolution due to the simplicity of the remedy, please do not mistake my leniency for weakness. The consequences for your non-compliance could be substantial. Consider this your final warning. I insist on the immediate removal of the items specified in my fraud report, as detailed below : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX.
Consumer complaint received 2023-12-05
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. (PA)

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 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I emailed Nelnet with a question about principal and interest allocation on a payment and have not received a response. I also received two different statement amounts in XXXX and XXXX, XXXX at {$59.00} monthly payment to {$220.00} in XXXX.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

Ive tried to change the date of payment for my parent plus loan several times. I called 5 times and have emailed four times and have not gotten through to anyone. Its created excessive financial burden on me and my family because this terrible loan servicer has zero customer service.
Consumer complaint received 2023-12-05
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)

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.
Consumer complaint received 2023-05-06
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. (FL)

I am interested in processing disputes on my credit report with transunion alot of data is inaccurate an interested in removing all information In the files asap. please review an delete all items shown to help my file asap.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NC)

Synchrony closed and re-opened another account under my name without the promotional purchase I've signed for. I now have a credit line opened without a promotional purchase but more importantly, a credit line with interest terms opened under my name that I did not sign for. This new, incorrect account has been opened for a year now since XX/XX/2022 and I have been billed interest since. I did not sign for these terms and the credit line needs to be voided.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MD)

I am writing to formally dispute a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an unauthorized inquiry from XXXX XXXX dated XXXX XXXX & JPMCB Card ServicesXXXX XXXX, which I believe to be inaccurate and unjustified. 

Furthermore, I wish to bring to your attention that my personal information has been compromised in multiple data breaches, and my data was recently discovered on the dark web. As a result, I am particularly concerned about any unauthorized access to my credit information. 

Given the circumstances, I request that the unauthorized hard inquiry be promptly removed from my credit report. I understand that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate or unauthorized information on their credit reports.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

XX/XX/18 - Attempted unauthorized money transfer from my checking account. There was no information given to me regarding this activity from any personnel ( customer service, fraud department or otherwise ) at bank of america. I have called them several times and asked to have access to my account, and not a single person will give me access without going into a bank of america branch location. Currently, in the state of Idaho, I have to drive 7 hours to the nearest branch location in-state, or travel out of state in order to find a branch that is closer to me, which is 5 hours. I can not spend 10 hours of my day driving to and from a bank location just to have access to my account. In addition, bank of america has multiple  factors of security to authenticate someone when they log into their accounts. The activity that happened requires someone knowing my information that is written down on paper and not stored on a computer, and therefore there is no way for an anonymous person outside of my state to have stolen my information and been able to log into my account online or on a phone without hacking the bank of america website. In order for me to log into my account online, I have a username and password, and security questions and a second-factor code that is sent to my phone so I can log in. On the phone, I have a face-id application as well. This is completely outrageous and should be compensated for this grievous inconvenience.
Consumer complaint received 2018-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC (NC)

On XX/XX/XXXX at XXXX someone from XXXX called to discuss a debt that was sold to them from XXXX XXXX. I spoke with the young lady and verified the information. I asked her to cease calls and to communicate through mail only. She commenced to rebuttal that she couldnt send anything else through mail because I havent responded to previous mail that has been sent. I asked her to verify the address on file. She refused and abruptly hung up in my face. Today XX/XX/XXXX at XXXX another person from the same company called me again after asking them NOT to call and cease calls yesterday the agent began to argue with me telling me they dont cease calls and hung up abruptly. This is harassment and a violation of the request to cease and communicate through mail.
Consumer complaint received 2024-04-15
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. (FL)

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 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 2023-12-05
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-11-15
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: CITIBANK, N.A. (FL)

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX Credit report and found an inquiry made under a fraudulent application submitted XX/XX/XXXX to CBNA for an account she never authorized. A formal dispute of this activity was mailed certified with return receipt to CBNA XX/XX/XXXX however as of this date CBNA has failed to reply to the status of the outcome or investigation. This is a violation of the FCRA.
Consumer complaint received 2023-12-05
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. (FL)

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 2023-09-25
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. (NY)

These are the list of hard inquiries on my credit report I'm not aware of : XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX XXXXXX/XX/XXXXinquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXXXXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XXXX. XXXX, 2023 XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX XXXX ; XXXX XXXX  XXXX XX/XX/2023XX/XX/XXXX
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting that these accounts be removed from my credit report as I did not receive enough information to verify the debt, and XXXX has already removed these accounts for the same reason. have made several attempts to obtain information about these accounts from the creditors, but they have failed to provide me with sufficient information to verify the debt. As a result, I am disputing the validity of these accounts and requesting their removal from my credit report. Please delete these following accounts on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!