davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (TN)

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5100.00} XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters in to all three credit bureaus ; and no response. According to the FCRA by law if it is over 30 days it must be removed off my credit.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

ChexSystems have outdated and inaccurate information on my credit profile. Under Consumer Law 15USC 1681 Banking systems goes off of fair and accurate credit reporting. 
Below is a list of outdated and inaccurate information : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I took a look at my recent credit report and noticed a great quantity of INQUIRIES on my credit report. I added some already but will be relisted below along with some other inquires with the date of inquiry i could not add before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want all of these fraudulent unauthorized inquires off of my report.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-09
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. (FL)

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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (TX)

This is my Follow-up 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 : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}, EXPERIAN XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-09
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. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXXXXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third 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 2021-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings (AZ)

I received a text message reportedly from Speedy Cash claiming that I had been approved for a loan for {$5000.00}. As I had been in the market to obtain loan recently I took it to be a legitimate offer and contacted the number listed on the text message. The gentleman I spoke with had a very heavy XXXX or XXXX  accent claiming his name was XXXX XXXX, took down all of my information as if you were taking a normal loan application. Near the end of the call I began to get a bit apprehensive when he asked to obtain my online banking login username and password. I provided the information as requested, knowing that I can immediately change the information. He then stated they needed to confirm some information with the login information I given him I would contact me again in 15 minutes. When the time came to contact me, he called me back and told me that he was unable to deposit the funds into my account because my credit score was too low and the credit bureau was not allowing the payment to go through. At this point I knew that he was a roster because I am well aware that the credit bureaus have no input or control over who deposits what where. Then he told me that the reason be deposit was declined is because my credit score was too low. I advise him calmly that my credit score is currently at a {$700.00} and I'm able to look at it in real time through my bank and online banking service. He kept interesting that I needed to do something to raise my credit report score by 25 points and in order to do that they would be willing to make a series of small deposits into my account on the condition that I pay them back. He offered to deposit {$1000.00} into my account stating that I was to pay it back to them immediately about that my credit score. At this point I confirmed his first and last name and attempted to get a phone number other than the one I already have on hand and he immediately terminated the call while I was speaking.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated (CA)

I am a small business owner who had a merchant account with XXXX XXXX XXXX XXXX, whos headquarters in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. They closed my account in XXXX of XXXX and sent me a statement in the amount of {$120.00}. When I contacted them, they told me that the actual amount is {$21.00}, but they added the {$100.00}, which is a collection fee. That was the very first time that they have sent me a letter and requesting the amount of {$21.00}, and I dont even know why they added that {$100.00} collection fee ( they are not even a collection agency ). Later on, on XX/XX/XXXX I received a letter form ARSI ( American Recovery Service Incorporated XXXX which is a collection agency, demanding me to pay {$110.00}. When I contacted them, they told me that this is a collection that was referred to them by XXXX XXXX XXXX XXXX. I have never been contacted, received bills or demand letters by XXXX XXXX XXXX XXXX XXXX XXXX ) about this amount, yet they directly transferred this amount to ARSI for collection. When I tried getting some answers from XXXX, they told me that they can not provide me any information about this debt, including what it is for, why wasnt I contacted and received any statements. I told them this is my right to know what this payment is for, but they refused to give me any explanation. I feel like XXXX and ARSI are they just extorting people without giving them any reason or explanation. I dont even know why I owe them money? They can not do this to people and not be accountable for. I wouldnt be surprised if ARSI and XXXX have common interest in the final collection amount, or they might even be affiliated companies.
Consumer complaint received 2023-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-09
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: Experian Information Solutions Inc. (GA)

I wanted to follow up regarding my previous complaint about being a victim of identity theft. I'd like to bring up FCRA Section 605B, which can be found in 15 U.S.C. 1681c-1. This section mandates that Credit Reporting Agencies must eliminate and prohibit the inclusion of any items listed in an identity theft report. I've attached some documents to assist in the process of blocking and removing the inquiries that are appearing on my credit report. Below, you'll see a list of the unauthorized inquiries that have been documented in my credit history : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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. (FL)

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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Im accordance FCRA. This creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 166N A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 USC 1681 604 ( A ) Section 2 A consumer reporting agency ( CRA ) can not furnish an account without my written instructions.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CA)

Im accordance FCRA. This creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 166N A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 USC 1681 604 ( A ) Section 2 A consumer reporting agency ( CRA ) can not furnish an account without my written instructions.
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by Hackers ( the Fraudsters or the Scammers ), all of whose actions are designed to achieve the goal of robbing and defrauding innocent people in the equivalent of XXXX XXXX which were transferred from my Coinbase wallet. 

It is important to mention that, during the course of the aforementioned actions, I was not informed, or better say, alerted by Coinbase in any way. No authentication protocols measures of any sort were issued, no questions asked whatsoever. Furthermore, I received no notification after the transfer of funds was completed. 

I have strong reasons to believe that the Coinbases protections systems failed miserably in my case.
Consumer complaint received 2023-09-09
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. (GA)

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 GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$8700.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-09-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (MS)

Planet Home Lending has not allowed my final payment of a COVID Forbearance Plan to process. I have not received a phone or written notice on my payment status. I logged into the payment portal and it states " Online payment scheduling is currently unavailable. Please try again later ''. 

No one has returned my call when I have tried to pay in advance as well.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (KY)

Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and XXXX  credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

Lots of hard inquires that were made and not by me. Companies allowed my credit report to be pull. The following I have no knowledge about at all and I didn't approve these credit applications : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/
Consumer complaint received 2023-09-09
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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. (TN)

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