davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have been disputing an invalid debt with a collection agency called XXXX XXXX XXXX for several months with the collection agency and Experian. They refuse to remove invalid and inaccurate information causing damage to my credit.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

So ive been fighting a fraud case with XXXX XXXX for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except XXXX XXXX. What makes this case more of a headache is that i have XXXX XXXX cards that were charged with the same amount from the same merchant ( XXXX XXXX XXXX XXXXXXXX XXXX ). The charges on the XXXX was resolved within days of the case being open but the XXXX  card is going on 4 months with no response. XXXX has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting XXXX every week for an update but they have refuse to give me an answer.
Consumer complaint received 2021-01-11
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: EQUIFAX, INC. (TX)

Last XXXX I've sent disputes about inaccurate and unknown accounts I found on my credit report. But it's almost 90 days since I've sent it and I don't received any response. I was so stress and feel I was being ignored. I demand to immediately DELETE those unknown and inaccurate accounts or I will file a litigation.
Consumer complaint received 2024-01-15
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: Experian Information Solutions Inc. (MO)

Experian closes 5 complaints and then notified there still working on the issue on those complaint, there all the same and this is a stall tactic they use, FRAUDULENT COMPANY
Consumer complaint received 2023-09-17
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 have reached out to XXXX, XXXX XXXX, XXXX XXXX  multiple times to dispute these incorrect accounts. I have also disputed them via the XXXX credit bureaus multiple times most recently in XX/XX/2023 with no response. These items are detrimental to me providing for my family and my financial well being. I have also asked for my name to be corrected there are several names listed and none of them correct which if they would get back to me they would know these are incorrect accounts just based on the incorrect name alone. Per 15 usc code 1681 they are violating my writes as a consumer.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (CT)

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 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 b
elieve that the information is inaccurate.
Consumer complaint received 2024-04-14
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. (FL)

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap.

Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Inquiry not mine XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-05-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCF Intermediate Holdings LLC (FL)

I got a loan from check XXXX the cash in the state of Ohio from XXXX. I lived in Florida since XXXX and a company called midway processing called XX/XX/XXXX saying they work with check XXXX the cash and they got my address from someone. I never lived there I was staying with a friend. They said I owed them money or they would take me to court. The rep was beyond rude and kept hanging up to XXXX XXXX where I demanded a supervisor I got someone else and they set up a payment arrangement. The email contained a link there was no logo or anything. The woman was claiming she was generating one and it was running slow. Then someone called me XX/XX/XXXX saying they were going to file a criminal suit to be arrested they asked for XXXX up front or XXXX broken into XXXX payments. He said I have to pay XXXX today I told them I dont have that amount and that they want and he refused to work with me at first. I was asking him what company he works with and he kept giving snide remarks saying oh now you want to act like you dont know where its coming from. Youre playing victim and kept going on saying that. He never allowed me a chance to speak and he kept hanging up. He started calling me aggressive and then said ok Ill work with you Ill take the XXXX and well put the rest on a payment plan. And I was confused and brought up how he said he cant adjust the amount. I let him now I have home security cameras and that hes being recorded. To which he said youre not supposed to. And then I asked isnt this call being recorded to which he responded no. And then kept saying Im making excuses and that were going to file criminal suit against me I asked him what proceeds in court he barely gave me a response. I told him I could file bankruptcy for the XXXX he was asking for. And kept hanging up. At that point I called the original number they were working with me for and then they just transferred me back to the man I was speaking to which is XXXX XXXX. Who at one point was questioning how I could afford a lawyer and saying to go get a lawyer. I was very upfront about my financial situation he wasnt listening to me and kept ignoring me. And I just got off the phone at that point and called check into cash to where they said I dont owe a debt. It wasnt sold off to a third party. I dont have to pay anything. The referred me to this sight and to check the credit bureau just in case.
Consumer complaint received 2023-11-30
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-14
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. (NC)

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 2023-11-30
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. (TX)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX 5. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report.

6. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2023-11-30
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 dispute the accuracy of several accounts listed on my credit report, which I believe to be inaccurate and damaging to my creditworthiness. The following accounts were reported erroneously, using someone else 's information : XXXX XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I request the immediate removal of these inaccurate accounts from my credit file, as they do not belong to me and are adversely affecting my credit profile. I kindly ask for your prompt attention to this matter and expect the completion of your investigation within the statutory time frame. Your cooperation in rectifying these inaccuracies is crucial to ensuring the fairness and accuracy of my credit report.
Consumer complaint received 2022-12-03
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-11
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am deeply dismayed by the situation at hand. Despite having diligently fulfilled my mortgage obligations through conventional means, without any involvement of foreclosure proceedings, I find it exceedingly frustrating to encounter erroneous remarks suggesting otherwise. I possess verifiable documentation attesting to the full settlement of my payment to XXXX. 

The presence of foreclosure-related comments on my credit report is not only inaccurate but also poses substantial challenges for me. As such, I insist on their immediate removal to accurately reflect the true status of my loan. It is imperative that XXXX rectify this matter promptly and ensure the integrity of my credit history is upheld without further delay. 

The verbiage on the status of this account is incorrect and improper, I NEVER experienced foreclosure proceeding and the credit bureaus should update and correct this matter. I have all documentation to fix and verify full payment of this loan.
Consumer complaint received 2023-11-30
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 writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-11-30
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. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXXXXXX XXXX XXXX  XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

XXXX XXXX XXXX did not provide me with the services as described. I paid {$2300.00} to them with my Discover card and therefore opened a dispute with Discover. As we could not come to in agreement about if the services were provided or not, Discover told me ( and this is in my dispute notes at their company ) that if I get documentation from XXXX XXXX XXXX stating that they issued a refund, with this documentation stating the date of the refund, the amount of the refund and the last four digits of my card, they would rule in my favor. I was able to get the documentation from the company and sent it to Discover. Now Discover is saying they wont issue the refund since services were provided. Attached is the email the company sent me with everything discover asked for that I sent to them and my dispute was still rejected.
Consumer complaint received 2023-11-24
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)

Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on Military Star Credit Card Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.
Consumer complaint received 2023-11-24
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. (AL)

My name is XXXX XXXX XXXX I was in fact a victim of the XXXX data breach that happened years ago. My Information was sold and bought illegally by God knows who. I have a list of accounts from my credit report that needs to be deleted immediately. I am also attaching proof of me being a victim of the XXXX data breach. Please help me delete these accounts from my credit profiles. 

XXXX XXXX XXXXXXXX reported balance as of XX/XX/2022 XXXX XXXX  XXXX reported balance as of XX/XX/2022 XXXX XXXX bank loan XXXX reported balance as of XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX this was the start of my credit being acted by an outside entity )