davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (NC)

This is my XXXX 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, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (PA)

I've been renting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have requested to terminate my contract and moved out of state and they ask me to pay one month penalty fees and I paid it after I moved out I called them about security deposit and they told me is they send approval to corporate unfortunately after 3 months they denied my refund and manager she didn't want to explain me why because she knows she didn't a mistake by giving me wrong information which caused to loose my refund, After couple months I received the letter from collections telling me I owed my former landlord {$320.00} and I called the manager multi time she didn't picked my calls and I've written the emails till now no response asking the which reason of {$320.00} they are charged me for because I've pay my last month of lent and Ion inspections they don't find any damages Before ei moved out or the house and now I don't why they sent me on collections because they have my new address they never send any bills to pay after I moved out. For Collecting on XXXX XXXX I send them a letter requesting DEBIT VALIDATION they never send those information as listed 15USC1966G however XXXX XXXX they send another letter saying if I am not paying them they are going to report me and my wife on credit bureaus. Their contact is XXXX and XXXX by XXXX XXXX XXXX Representative works for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX .They are try to collect the money I don't own
Consumer complaint received 2023-05-16
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

My identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed immediately.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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 168. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX 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 2022-09-23
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)

Despite the multiple written letters and CFPB Complaint I have been sending to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus did not complied with the FCRA regulation and continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA, I am requesting that the Credit Bureaus remove the following items deleted 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
Consumer complaint received 2022-09-23
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please abide with the law in order for this matter to be resolved promptly. 

XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

There are several things on my credit report that I am noticing arent mine. Major indicators are the following : In XXXX, identify theft occurred at a local level. In XXXX, a women started using my social security as her employer to get unemployment and other compensations. XXXX it was reported that I was connected to receiving social security benefits. I am not. Several times on identity questions and credit concerns a mortgage shows up.
Consumer complaint received 2024-05-02
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. (PA)

Per the Federal Credit Reporting Act as a federal protected consumer. Pursuant 15 USC 6802 I XXXX XXXX am OPTING OUT of all and any authorization I may have given to XXXX XXXX XXXX written, unwritten, verbal, nonverbal to report my non-public personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my non-public personal information was going to be shared to third party affiliated party 's such as XXXX, XXXX, TransUnion and I was never given the chance to opt out. Also 15 USC 6508 also states I have the right to opt out on any thing reported to my credit report and I'm supposed to receive a opt out notice every thirty days which XXXX XXXX XXXX has not given me. I em hereby exercising my right under 16 cfr part 313.7. According to 15 USC 6802B I'm supposed to receive three different disclosures before my non-public personal information was shared without any notice. XXXX XXXX XXXX also in clear violation of selling debt to third party after the debt had already been tendered in accordance to ucc 3-603 I had no contract with the third party they sold the debt to. Also their in clear violation of 15 USC 45 unfair methods of competition for the failure to update the record after receiving tender of full amount of the debt in accordance with Electronic Funds Transfer Act as well as their acts of Securities fraud and tax evasion which I intend to report via form IRS form 3949A. To conclude TransUnion, and XXXX are in violation of 15 USC 1681 section 604a section 2 it states a credit reporting agency can not report an account without written consent. I did not give TransUnion or XXXX written consent to report XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance which they are in violation which I did not give permission or written consent to report non-public personal information and did not give written consent to even report XXXX XXXX XXXX on my report
Consumer complaint received 2022-09-23
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus September 9, 2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please abide with the law in order for this matter to be resolved promptly. 

XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}XXXX XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company stated the accounts with them were charged off. They also sold these account to debt collectors and so they were indeed paid for the account. Debt collectors are now telling me I owe them for a debt. I need the balance to reflect as it should be which is XXXX. This company also did not provide me with my copy of the 1099c for their financial cancellation of this debt. If they did then that would be clear evidence that this is no longer owed. Its improper to state I owe something that they received payment for whether it be by government or myself. I need full accounting records showing they were never paid by the government which is obligated to pay for all public debts and if indeed they were then I do not owe them anything. If they can not provide that then this account should be removed.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Our business submitted a wire transfer from Bank of America in United States to XXXX XXXXXXXX in XXXX. The receiver states that his bank never received the money. It was USD {$5300.00}. Bank of America has sent several messages to XXXX XXXXXXXX requesting the return of funds but XXXX XXXXXXXX is not responding. Bank of America also sent a trace and XXXX XXXXXXXX is still not responding. We paid this vendor through XXXX XXXX after the money did not get to them in time so that we could receive our product on time so we have double paid at this point. We really need to receive our money back. Please help!
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit scores decreased 31 point in Transunion. When I clicked what chances it says one of my credit cards balance decreased by {$120.00}. I paid off that credit card recently. The other change it with my XXXX XXXX account. It says my balance decreased to by {$81.00}. Those are the only changes it shows which are both positive. Im so confused and would like to speak to someone. I tried calling the credit bureau but his explanation was confusing to me. I have one account in collections but my score was still increasing regardless. If someone can please contact me. Im trying to find a place to rent so Ive been working hard on my scores. Email is XXXX XXXX
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (GA)

I am submitting this because, the three credit reporting agencies did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading, inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-12-03
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. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account unde.. ) open end consumer credit plan as late for purpose.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Per the Federal Credit Reporting Act as federally protected consumer pursuant 15 USC 6802 I XXXX XXXX am now OPTING OUT of any and all authorization I the consumer may have given to Capital One Auto Finance written, unwritten, verbal nonverbal to report my non-public personal information. Capital One Auto Finance is in violation of the Privacy Act of 1974 also 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by Capital One Auto Finance that my non-public personal information would be shared with Third party affiliated such as XXXX, XXXX, and XXXX and I was never given the opportunity to opt out which 15 USC 6508 states I have the right to opt out on anything reported on my credit report and I supposed to receive opt out option every XXXX days which Capital One Auto Finance did not provide im hereby exercising my rights under 16 cfr 313.7 according to 15 USC 6802 I was supposed to receive XXXX different disclosures before my non-public personal information was shared but never received notice. To conclude XXXX, XXXX, and XXXX is in violation of 15 USC 1681sec 604a sec 2 because it states a reporting agency can not furnish an account without written instructions I did not give written instructions to XXXX XXXX and XXXX to report Capital One Auto Finance account and supporting sharing my non-public personal information such as transaction history and balance. I did not give written instructions or written consent for my non-public personal information and did not give consent for those agencies to report Capital One Auto Finance account on my report.