davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
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. (NJ)

This is my several 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
Consumer complaint received 2023-09-23
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 am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. 

I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. 

The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. 

I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. 

Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. 

I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Hi I had my identity stolen somehow with a tax preparation program. Somehow someone got my information and opened a credit line in my name. Also now I cant file taxes using my doc sec number. I have to use a number sent by the irs every year. The credit card is from XXXX XXXX XXXX. I have never heard of, Applied to, Or even heard of this bank in my life. I have reported this to all three credit report companies and it appeared it had been removed But now I tried to get my credit score from XXXX and it said my balance increased again on this card? I need help to prove this is not mine somehow. I have tried every way I could look up and think of. It is hurting my credit badly. And I feel I should be able to prove it is not mine and have it deleted from all credit reports as soon as possible. I have a hard time getting loans for anything. Any help is very appreciated. Please help me. I dont know what else to do. Thank you.
Consumer complaint received 2023-09-23
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. (CA)

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. 

I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. 

The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. 

I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. 

Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. 

I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX**** Balance : {$0.00}.
Consumer complaint received 2023-07-06
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received a letter from your company office, Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Since this letter indicates that this office lost the customers credit file and is asking the customer to provide the personal information for further assistance ; however, I have never asked any credit report companies further assistance which need the credit file as a reference. Anyway, I believe I just have sent a letter from me to notify Equifax headquarters that I have already provided the necessary information, the copies of social security card and drivers license. Unfortunately, I do not have XXXX XXXX Only. The copy of my drivers license must have my address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, not any other addresses wherever, most likely, not recognizable for me. Unfortunately, my old and private-use printer do not have the function to print out enlarge ; therefore, I can not answer your request to submit legible document since I do not what is going on. The address of XXXX branch is mentioned above. I decline to send my personal information both branches, since I can not believe why one letter indicates two addresses. The another which was listed in the letter another address in XXXX, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. Since I can not understand why one official letter contains two addresses, I ask the clear explanation ; why your document has two addresses? 
Sincerely,
Consumer complaint received 2023-12-22
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. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have XXXX credit cards with XXXX  XXXX. During the beginning of the Covid 19 pandemic, I lost both sources of income. I was working as a XXXX XXXX XXXX XXXX and an XXXX XXXX at XXXX XXXX over Georgia. I was unable to make the credit card payments in XXXX and XX/XX/XXXX and it was reported on my report as late payments. I contacted XXXX XXXX and was informed that the late payments were valid and could not be updated. I inquired about the CARES Act regarding late payments due to being impacted by job/income loss. 

I recently spoke with a representative at XXXX  XXXX on XX/XX/XXXX regarding the possibility of having the late payments removed due being impacted by COVID 19 pandemic and my request was declined.
Consumer complaint received 2023-09-23
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. (GA)

Equifax is in violation of 15 usc 1644 and 15 usc 1643 for unauthorized use of my social security card which is also my credit card by legal definition. Congress states violators of these codes shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both. I have attached a copy of my correspondence to EQUIFAX to rectify the damages caused to me as well as screen shots of the proof of the unauthorized use of my credit card with the fraudulent inquiries. Congress also states that I should be compensate {$1000.00} per unauthorized use prior to this case going to court.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (NJ)

My information was impacted by the XXXX Data Breach and many items in my TransUnion credit file are from unauthorized use of my social security number and card. All accounts are being investigated by the FTC. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.

Fraudulent Item & Explanation : 1. XXXX XXXX XXXX XXXX- {$3800.00} ( Please REMOVE this information no later than XXXX days after receiving this letter under 15 U.S. Code 1681c2 ) 2. XXXX XXXX- {$12000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 3. XXXX XXXX- {$5500.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 5. XXXX XXXX  - {$21000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 6. XXXX - {$910.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 7. XXXX  - {$360.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 8. XXXX XXXX - {$390.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 9. XXXX XXXX XXXX XXXX XXXX  - {$1000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 10. XXXX XXXX - {$1200.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 11. XXXX XXXX XXXX- {$410.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 12. XXXX XXXX- {$1200.00} ( Please REMOVE this information no later than XXXX days after receiving this letter under 15 U.S. Code 1681c2 )
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023, I found inaccurate reporting on my consumer/ credit report pursuant to 15 USC 1681, Fair Credit Reporting Act. I also saw violations of 16 CFR 313 Privacy of Consumer Financial Information. As well as a violations pursuant 15 USC 6801 Protection of Nonpublic Personal Information.
Consumer complaint received 2017-05-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCash Holding LLC (IL)

I worked with a Debt Settlement company named  XXXX   XXXX   XXXX ,  XXXX  to pay off my loans with pay day loan lender AmeriCashLoans. Which I was not made aware nor contacted by AmeriCashLoans that they had put in a request for a wage garnishment without my knowledge when I have proof of record that I paid   XXXX   XXXX   in full in the amount of {$2300.00} for this company to settle the debt I had with AmeriCashLoans I called the corporate number that handles the wage garnishment and was treated and spoken to so poorly by a representative named  XXXX  who immediately placed me on hold to find out information regarding the reason my wages were being garnished, She returned back to the phone conversation after  XXXX  minutes to say "  XXXX  '' her supervisor said she spoke someone today about the debt settlement and its not their fault my wages was garnished without my consent or without me proper attempts to contact me that the debt agency has not communicated with them. I have never had any type of garnishment occur and for this to happen without my knowledge is wrong when I took the proper steps to settle my outstanding loan with americashloans I was a long term client of americashloans and never had such poor service, and miscommunication happen with while doing business with them And for the customer service department to think its alright to take funds out of someone pay is just wrong.
Consumer complaint received 2024-04-21
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)

I sent out dispute letter to all XXXX credit bureaus on XX/XX/2024. These original creditors have inaccurate information on my credit report and have failed to respond within the XXXX day requirement.
Consumer complaint received 2023-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Subject : XXXX XXXX Capital One for Incorrect Credit Bureau Reporting accounts 1 ) acoount XXXX : XXXX XX/XX/XXXX XXXX ) Inquiries : XXXX Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting of an account to the credit bureaus that does not belong to me. I have recently reviewed my credit report and discovered an account listed under my name, which I have never opened or authorized. 

Despite numerous attempts to contact Capital One and rectify this error, I have not received a satisfactory response or any action taken to correct the inaccurate information. This incorrect reporting has had a detrimental impact on my credit score and overall financial standing. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly, intervene on my behalf, and ensure that Capital One rectifies this error promptly. Additionally, I urge you to take appropriate measures to prevent such erroneous reporting from recurring in the future and to hold Capital One accountable for their actions. the only account that i have with capital one/saks its XXXX XX/XX/XXXX AND THE REASONS i applied for it just to get my employee discount because i was working for saks fifth avenue. 

Enclosed with this complaint, please find copies of my credit report highlighting the disputed account, as well as any relevant correspondence I have had with Capital One regarding this issue. 

I appreciate your attention to this matter and hope for a swift resolution. Please feel free to contact me if you require any further information or documentation. 

Thank you for your assistance in addressing this matter. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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. (PA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.