davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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)

My initial contact was XX/XX/XXXX till this very day I am still awaiting a response from Equifax here is my final complaint/dispute. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. 
Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023 Dear Equifax, Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. These accounts listed below are problematic and need to be reinvestigated. 
XXXX. XXXX XXXX & XXXX ( XXXX ) account # unknown not my account XXXX. XXXX XXXX, XXXX XXXX XXXX  inaccurate reporting account closed never late. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, inaccurate reporting account closed never late. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate reporting XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, inaccurate reporting paid ion full closed account to be removed from the report. 
These accounts should not be furnished on my consumer report they are in VIOLATION!! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) in general Subjec6t to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that the account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC Report # XXXX Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Report Act XXXX XXXX : XXXX ProCollect has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I tried to fix this issue with the creditor and the information provided by the creditor is not belong to me, please see the attached file and review all the highlighted information my First name is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. 
on the contract agreement paper is not my handwriting, this company has violated my right. 

This is the tracking : XXXX XXXX XXXX XXXX XXXX of the first letter I sent to them to provide proof of the debts that reported on my credit report.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (CA)

I paid this account in full back around XXXX. There is no debt and this just popped up on my credit report. 

Original Creditor : XXXX XXXX XXXX : Zions Debt Holidings Amount : XXXX They have the date opened listed as XX/XX/XXXX I paid off a security system with this company ( XXXX  ) I believe in XXXX. 

Now this debt collector is attempting to commit fraud and reporting fake debt on my credit report
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-09-03
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. (NJ)

I am writing to formally dispute inaccurate information on my XXXX credit report, which I initially contacted XXXX about on XX/XX/XXXX. To this date, XXXX has not responded to my inquiry. The following are the details of the inaccurate information and the required corrections : The following account does not belong to me : Account Name : SBA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00} I kindly request that XXXX removes this erroneous account from my credit report. 
The following account has never been late : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} I request XXXX to correct and update this inaccurate information on my credit report immediately.
Consumer complaint received 2024-02-06
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)

Still working on the issue is STILL A LIE THEY DO NOTHING BUT STALL AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. XXXXAccount # XXXX XXXX XXXX XXXX Account # XXXX, violated my rights. 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 2024-04-24
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. (PA)

I believe FCRA 605B requires us to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$200.00}.
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (GA)

{$1700.00} XXXX XXXX the amount of {$1700.00} is being reported for a bill I have no knowledge of. I have been a victim of multiple breeches and in some cases, I was either in high school or at college when the info was used and placed on my account
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA, XXXX XXXX Subject : Dispute and Request for Deletion of Inaccurate Collection Accounts Account Numbers : XXXX XXXX XXXX | Balance : {$9600.00} XXXX XXXX XXXX | Balance : {$3600.00} XXXX XXXX XXXX | Balance : {$3700.00} To whom it may concern, I am writing to bring to your attention the inaccuracies in the collection accounts reported on my consumer credit history. Upon careful review, it has come to my attention that the information provided does not comply with the Metro 2 standards, which are essential for ensuring the accuracy and completeness of consumer credit reports.

I would like to remind you of the requirements outlined in 15 U.S. Code 1681s2 ( a ), which states that a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the current reporting contains obvious errors that need immediate correction.

In accordance with 1006.34 Notice for validation of debts, I hereby request validation of the debts associated with the mentioned collection accounts. Please provide accurate and verifiable information to substantiate the validity of these debts. 

Furthermore, as a result of the inaccuracies and potential violations of federal law, I am no longer providing permissible purpose for the reporting of this account on my consumer report. Therefore, I kindly request the immediate deletion of the mentioned collection accounts from my credit report. 

I trust that you will address this matter promptly and take the necessary steps to rectify the inaccuracies in my consumer credit history. I appreciate your attention to this issue and your cooperation in resolving it. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-08
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$200.00}.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IA)

Around end of XX/XX/2023, my US Bank checking account was closed unexpectedly. I had received an email noting a suspicious activity on the account early XXXX. I called in to the number provided in the email, explained the activity and why it wasnt suspicious, and US Bank said they needed my sister to call them instead. My sister then called them and filled out a form, and US Bank said they will get back to us. They never got back to us and our account was closed. To this date, I was never notified that my account was closed. This has caused more than 10 bounced checks and fees totaling more than {$300.00}.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX Balance : {$280.00}
Consumer complaint received 2023-09-04
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 to report 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 you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Credit Card last 4 with XXXX. It is a Bass Pro Card. Major problem with this card. Four separate orders were fraudulently made. Capital One charged me for three even after I emailed all the companies. In fact several said the items were sent to a different address than mine. I had a couple things I did received and returned. Capital One charged me anyway even though I closed the card and reported it.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi! 
I transferred XXXX into my XXXX account from a balance transfer from BOA. It was suppobe {$1500.00} on XX/XX/2023. I called XXXX, and they will return the XXXX to me so I can return it to BOA. However, the balance transfer fee of BOA of {$600.00} will still remain even though BOA is receveing its money back.
Consumer complaint received 2023-08-08
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. (TX)

Facts - This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Consumer complaint received 2024-04-24
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)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-04-12
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. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (AZ)

Barclays credit card on XX/XX/2023 that I opened a XXXX credit card which goes through them. I had purchased two airline tickets. These airlines were XXXX and XXXX. I have never flown with either of theses airlines. And after contacting theses airlines. I was informed by both airlines that several ( More than two ) tickets and or reservations had taken place under my name and also another person, XXXX XXXX. No tickets were used and a few of them had been cancelled. Both these airlines, XXXX and XXXX have credit card that has their airline logo on them but, the card is a Barclays credit card. XXXX was the company that issued the card that was used to pay the XXXX airlines. XXXX has it's own credit card that also has their logo but, the card is actually a Barclays credit card. I had contacted XXXX that redirected me to the airlines which they had redirected me to Barclays. Barclays has sent me a letter on XX/XX/2023 stating that I am responsible for the {$350.00} debt. I contacted them and they said they will investigate for the third time. I faxed over my conversations that the airlines had sent about cancellations. I explained how I never flew with either airlines. I also brought up the other person that the airlines had listed, XXXX XXXX. And since I never made these purchases and don't know a XXXX XXXX also that I never received the credit card that was in questioned. Also never cancelled the card the day that it was opened. The only information I have heard from Barclays over the phone is that they have recordings. So I asked if they could send me a transaction of these recordings. I know I did no such thing but at least I would want to see what I was told I said. Sincerely XXXX XXXX. Thank You. the number for Barclays I have is XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (CA)

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. 

Account name : XXXX XXXX has violated my rights. 

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 XXXX 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 2023-08-08
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kinum, Inc., Indianapolis, IN Branch (WI)

Forbidden third party was contacted regarding a debt and details were disclosed to the party. Phone number is still being reported to various credit bureaus and is not associated. When the company was confronted they refused answering the questions or requests to remove the unassociated number, stop calling/harassing, or sharing private information to a third party. 
When requesting to speak to their lawyer, the number provided was unassociated to the business.