davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXT XXXX XXXX XX/XX/2022 XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-11
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. (CT)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and rectify them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-11
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. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have several inquiries that was placed on my credit report from XXXX, equifax, & XXXX. I have contacted all 3 agencies to let them know that I did not apply for credit at any of these places. I have been ignored by one of them and the test explained that they did verify which Isa lie because I never authorized nor signed any statements giving permission to pull my credit report
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. This unjust refusal has left me not only frustrated but also deeply distressed. The toll this ordeal has taken on my financial well-being and emotional stability can not be overstated. It is disheartening and exasperating to think that after following your guidelines to the letter, I am met with such resistance. Here is the account that needs to be removed from my credit file : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. Please remove this account ASAP.
Consumer complaint received 2023-03-24
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: JPMORGAN CHASE & CO. (CA)

To whom this may concern, In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (AZ)

The company claims that my account was closed and the company wrote off a {$20000.00} loss, the corresponding entry appears on my credit report, which is completely false information, I have been arguing with this company for two years, which refuses to change these false statements. They are false due to the fact that the car was sold at auction and the company received a payment from GAP insurance. In addition to this, I gave up the car voluntarily, if the company doesnt think so, then let them provide an invoice for ordering a tow truck, of course there was none. That is, my rights were violated due to the fact that it was not indicated that this was a voluntary repository.Also, the company sold the debt to a collection agency, with which I had an agreement to pay and delete both the collection record and the record of the original creditor. I paid the debt, I demand that this information be removed from my credit report
Consumer complaint received 2023-10-11
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. (TN)

I have reached out about the reporting of my credit report on the inaccurate information reporting on multiple accounts for TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN DEPT OF HUMAN SVCS CS
Consumer complaint received 2023-11-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (FL)

I have been trying to have this discrepancy addressed for over a year now, can someone please look into this? 

I have done everything as asked and returned all requested information to comply and resolve this issue to get my money back, but yet to no avail. 

Ticket number XXXX is STILL OPEN and there is still a balance of {$530.00} that I was told that was returned to my Vanilla gift card XXXX exp. XX/XX/30, which is now an invalid card or number to be used. 

This seems to be a mistake because ONLY {$180.00} was on the card! 

How do I go about getting my balance of {$350.00} which SHOULD BE ON THE CARD, but isnt?? 

Will a check be issued in place of the card replenishment of the {$350.00}?
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2023-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FEDChex Recovery, LLC (CA)

I signed up for XXXX in XX/XX/2022. I took my family one time. It was a dirty facility with very little staff. My daughter was unable to attend due to her XXXX, my son is XXXX  and was unable to use this facility safely without an aide due to his XXXX as well. My payments were set up on autopay. In XXXX XXXX contacted me and said that my account was delinquent. She sent me a membership agreement riddled with typos and then I sent XXXX XXXX an email stating my children had XXXX and could not go to the facility ; per their agreement. I also let her know I had a XXXX patient at home so coming up to the facility and signing documents would be difficult for me. I called and left her a message as well. I did not hear back from her for a month and at that time she stated I needed to pay the entire contract whether we were able to go to the facility or not. I asked her for clarification on why I couldn't just pay the past due and maybe try and bring my son. At that point she told me I needed to pay new fees that she had come up with like a re-enrollment fee and some other stuff. I mailed her a check for half of what she said was due and I again asked for clarification. I did not hear from her again. I clearly stated that we needed to cancel this membership for medical reasons and XXXX XXXX did not honor her own membership agreement, she treated me extremely unprofessionally and disregarded every request for clarification that I had. In XXXX when she sent me an account history she had the contract amounts wrong and said the amount sent to collections was wrong in the first place.
Consumer complaint received 2023-10-11
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. (VA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted/correct from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (NJ)

IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (AZ)

Disputes have been sent multiple times to all three credit bureaus, requesting that the credit record be adjusted for the XXXX XXXX XXXX account XXXX, this account provides false information, instead of correcting it or deleting it, the credit agencies do not bother to conduct a full investigation.
Consumer complaint received 2023-10-11
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. (AZ)

Disputes have been sent multiple times to all three credit bureaus, requesting that the credit record be adjusted for the XXXX XXXX XXXX account XXXX, this account provides false information, instead of correcting it or deleting it, the credit agencies do not bother to conduct a full investigation.
Consumer complaint received 2023-01-05
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. (PA)

This is my NUMEROUS 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, PA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XX/XX/2022
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2023. I called Annual Credit Report. At phone number XXXX ( XXXX ) XXXX. And requested my free annual credit report. From TransUnion. Today is XX/XX/2023. 

And that report has still not arrived. I did correct all incorrect information. Requested from TransUnion. That they had about me via telephone verification. Through the assistance of Annual Credit Report. Via the phone number listed above. 

I believe that there has been an illegal freeze. Placed on my credit report. Without my consent. And that TransUnion is withholding this information. From the public illegally ; weather or not this is either a credit lock, freeze, or a security freeze. It has been done without my consent. 

Preventing lenders from determine my qualifications. For credit purpose. Of determining mainly interest rate & loan qualification. That are supposed to be at my disposal ; unanimous decisions made by me. TransUnion is restricting access to my borrowing and payment history. Where I am continually denied credit. 

I do believe that a fair resolution. Would be victims compensation. With the demanded removal of any credit lock, freeze, and/or security freeze place on my report. I have tried to request and solve the resolution. To this problem. Through my actions stated above. 

Regarding my free-annual-credit-report request. That was never received. Which is why I am filing this complaint. Given all the actions that I have taken on my behalf. 

- Thank You
Consumer complaint received 2023-08-13
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (CO)

Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required- BEST EGG Personal Loan ACCOUNT NUMBER XXXX OPT-OUT MAIL TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to follow up on a letter dated XX/XX/2023, in which I formally opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to BEST EGG. This request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, BEST EGG has chosen to ignore my initial opt-out letter entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

I am now submitting a formal dispute with the following requests : 1. **Immediate Removal of Furnished Information : ** I request that [ XXXX XXXX ] takes immediate action to remove any and all information pertaining to my consumer report. This is in line with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 

2. **Compensatory Damages : ** In the event that BEST EGG willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out request, I reserve the right to seek compensatory damages. I request that BEST EGG pays a minimum of {$1000.00} for every offense of willful non-compliance. 

This dispute is filed with the expectation that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate action to ensure BEST EGG complies with federal regulations. 

I appreciate your immediate attention to this matter and request confirmation of receipt of this dispute. I trust that the Consumer Financial Protection Bureau will take swift action to rectify this situation and enforce the necessary corrections. 

Sincerely, XXXX XXXX