davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( XXXX ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX ( XXXX ) ; not XXXX  XXXX. Additionally, when I did work at XXXX XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thaxton Investment Corporation (GA)

I have a loan with COVINGTON CREDIT  XXXX   XXXX   XXXX   XXXX , GA  XXXX . I had a check returned for  XXXX . I wrote a letter explaining that I 'll cure the check  XXXX   XXXX ,  2017 . When I called, THE  XXXX  FEMALE REP, I 'M  XXXX  TOO, TOLD ME THAT MY CHECK CLEARED. I ASKED, ARE YOU SURE? SHE REPLIED YES. TODAY,  XXXX   XXXX , THIS SAME  XXXX  CUSTOMER SERVICE REP CALLED MY HOME  15 TIMES, YES, 15  TIMES CLAIMING I OWE  XXXX  SHE EVEN CALLED A RELATIVES CELLPHONE. I WILL CURE MY DEBT ON THE  XXXX  OF  XXXX . This employee does not know her job nor does she know that in Georgia, calling someone consectively is Misdemeanor stalking. She gave me wrong information and I tried to do the right thing and cure my debt. I want her stop calling my home and she needs to do her job right.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am formally disputing the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history. I kindly request that you update my account information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history. I have called the bank and they agreed to update their records and remove the late payments from the accounts. Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my several endeavors 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, remove 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
Consumer complaint received 2023-06-30
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. 

Account Name : Untitled Account XXXX Account Name : XXXX Account XXXX 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 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 2023-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (AR)

In XXXX I moved from my home in XXXX ( that my husband owned, my name was not on the deed ) to a rental home in XXXX. At that time, we used security monitoring with XXXX. We were told that if we ever moved to a location they did not service or to a location where we were not authorized to get security monitoring, that by sending a letter of cancellation, we would be removed from the contract and service. We were also told that if the new homeowner took over service, that is another qualifying reason that we would be out of the contract. 

All of those things happened. I informed XXXX by phone and letter that we were cancelling and moving out of state to a rental home. None of which qualified us to transfer service. The new homeowner also took over the service, and put it in their name. 

In XXXX, I tried to buy a house and was denied credit due to a collections for {$1300.00} from a company called XXXX. They apparently took over XXXX. I explained the situation to them and they were supposed to remove the collection from my credit report. 

In XXXX, I looked at my credit again and found a collection for the same amount with a company called Zion Debt Holdings. I disputed this claim a few days ago and then began receiving aggressive text messages from Zion Debt Holdings regarding the collection. I asked them to send me the contract and their response was that I was the one who had to disprove the debt, not them to prove it. 

I explained to them that I did not owe this and that it should be removed immediately. 

I do not have a copy of the letter I sent to XXXX in XXXX of XXXX as I do not keep paper work more than two years old. I know that I cancelled them via letter, and phone call.
Consumer complaint received 2024-03-26
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. (NV)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

Another bogus collection from identity theft. 

My name is not XXXX XXXX The company that issued credit did not screen this frauder I told the collections and now I have to spend my time proving this to them. 
XXXX Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2023-06-30
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. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Investigation Request to Delete/Correct Credit Inquires/Accounts To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. { XXXXXXXX XXXX XXXX  } { ac # XXXX } { Account opened : XXXX XXXX, XXXX } { Reason for Dispute : Incorrect information, THIS ACCOUNT HAS BEEN PAID IN FULL XX/XX/XXXX, PLEASE CLOSE THIS ACCOUNT AND HAVE IT REFLECT PAID and CLOSED STATUS } I am allowing you XXXX days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2021-04-18
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)

On or around XX/XX/XXXX, I disputed XXXX ( XXXX ) inquiries ( XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ) with Equifax communicating that I had contacted each company directly and they could not provide me with any information regarding the above referenced inquires. Equifax failed to investigate the inquires and delete and remove them as required.
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Attached is pictures of Payment reversal navient has made to my account. I tried paying them many many times they use to accept my payment but for the past mast its been saying payment reversal. I always make sure I have money on my checking account and the last payment I made via phone I made sure that the representative took notes and explained to her my situation. The payment has posted but I check again that they did payment reversal. 

Im filing a complaint because it has been affecting my credit and its not like Im not paying them they just dont want to accept it. Also they put me on forbearance even though I did not request it. This is a very serious case and I am not very happy with their customer service.
Consumer complaint received 2024-03-26
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. (MD)

I have XXXX late payments reporting that shouldn't be reporting according to 15 USC 1681 A ( 2 ) ( I ) which stats the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; MY TRANSACTIONS are my payment history therefore the accounts shouldn't be reporting late on my credit report.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I had been disputing the collection account that is being reported on all  XXXX  credit bureaus. The credit bureaus keep responding that the debt has been verified. I requested the verification method that was used and they say that they get an electronic file. I requested documentation and was told that they do n't need documentation in order to verify the debt. In   XXXX   XXXX   I sent a debt validation request to  National   Credit Systems  in reference to a debt they are collecting which I never received a dunning letter for. The certified mail was delivered on   XXXX   XXXX   and signed by    XXXX   XXXX   . I have attached the proof of delivery in my documents. To date, I have not received a response but they are still reporting and verifying information with the credit bureaus.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-07-01
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)

This is my 11th 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
Consumer complaint received 2023-07-01
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

On  XXXX   XXXX ,  XXXX  I contacted Citibank in order to dispute a charge from  XXXX  on  XXXX / XXXX / XXXX  in the amount of {$330.00}  XXXX   XXXX  ). The charge was for a flight that was booked online. I did not know until I received the confirmation, just before the flight, that  XXXX  booked the flight to the wrong airport.  ( T wo airports had the same name, one was in  XXXX , the other was in  XXXX   XXXX . ) I had contacted  Citibank  on  XXXX / XXXX / XXXX  because I had all the paperwork together and wanted to write to Citibank to dispute the  XXXX  charge. The person who answered Citibank phone for disputes said they would NOT give me the address to write to at that time with my dispute, but would take the information over the phone. I argued that I needed the ADDRESS for the billing disputes department because I would not have time later to write the letter and wanted to protect my rights. They refused to provide me with the mailing address of the disputes department.     Instead, they wanted to verbally gather a considerable amount of information regarding the nature of the dispute, assuring me that they could work with it. Despite my repeated objections to wanting the actual address to write, it was not given to me. I was going out of town.      Citibank  subsequently mailed me a letter requesting information that was already provided on the phone.     I called  Citibank  today. They do not know why they had previously refused to provide me with the address of the dispute department. They also do not have the information that the person had taken over the phone collected anywhere in their documentation, ( So all they did was waste my time taking it. ) They tell me it is now too late to dispute the claim.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX account # XXXX is reporting XXXX and XXXX  day late payments on XXXX and Equifax. I spoke to XXXX and stated they do not have any record of my account ever being late. I have sent out numerous letters to XXXX and Equifax to have the late payments removed and i have been continuously ignored by both credit breaus. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Consumer complaint received 2024-03-25
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. (IL)

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. Therefore U.S. Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Consumer complaint received 2023-07-01
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. (TX)

Someone opened the following credit card accounts XXXX XXXX, XXXX card in XXXX. XXXX credit card in XXXX, XXXX XXXX in XXXX all without my knowledge. I have called these banks several times but they did nothing about it. Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them Transunion said they would delete these accounts but they still show on my credit report. Based on the attached transcript. 

TRANSUNION HAS ALSO DONE NOTHING ABOUT THE RESPONSE TO DELETE THIS ACCOUNTS
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (MI)

THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023, American Express sent me a letter denying me of my credit which is a violation of federal law after I decided to do business with them and apply for an American express gold card. 
I then sent them a letter ( basic claim ) of instructions on XX/XX/2023 informing them about the laws the broke ( Adverse action 15 USC 1691c ) Then on XX/XX/2023 they sent another letter denying me which is illegal. 
I then sent another letter ( opportunity to cure ) of instructions on XXXX XXXX informing them about the laws the broke ( Adverse action 15 USC 1691c Then on XX/XX/2023 they sent another letter denying me which is illegal. 
I then sent another letter ( Default Judgement ) of instructions on XX/XX/2023 informing them about the laws the broke ( Adverse action 15 USC 1691c ) I then sent them a letter on XX/XX/XXXXXXXX XXXX informing them that they have breached a contract They sent me a letter on XXXX XXXX still denying me of my credit.