davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-06-29
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: Medical-Commercial Audit Inc (IL)

XXXX XXXX credit card was missing, plus I moved to my XXXX house in XXXX, and XXXX I have paid it off, and credit repair but it is on there preventing me to own a home XXXX card wasnt remove after I paid them. 
I have no idea about XXXX clinic I already paid them. 
I dont owe no one of these companies.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (UT)

On XX/XX/XXXX I made a payment to Fortiva Credit Card amounting {$690.00}. My due date for the month of XXXX was XX/XX/XXXX. 

Although my payment was made before the due date for XXXX, Fortiva has reported my account late for the month of XXXX. 

I have included Statements from Fortiva that reflect both the due date, as well as the payment made. 

My XXXX statement indicates a payment due date of XX/XX/XXXX, My XXXX statement indicates a payment made on XX/XX/XXXX, Using their match pay program and closing the account with a {$0.00} balance
Consumer complaint received 2023-04-18
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. (AZ)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-07-12
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-06
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. (PA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX ACCOUNT # XXXX In addition, please remove all non-account holding inquiries over XXXX days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-18
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)

This is XXXX XXXX and I am submitting this CFPB complaint to once again, dispute the fraudulent accounts and information off of my Credit File. I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The accounts and information in question are : XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022. Let me make it abundantly clear that I did not open this accounts and or information or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, On XXXX XXXX XXXX  pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

I was scammed of my identity last month XX/XX/XXXX. Lost {$800.00} through XXXX XXXX  I reported it in to the bank. I got all the money back. Bank is full aware of my identity fraud situation. Had me change my pin. Nothing more. I didn't report to police as bank claimed they took care of everything. My credit is on freeze and my card wasn't on freeze on XX/XX/XXXX because I was using it to buy medicine. {$750.00} was taken out of my bank. I recieved no alerts, no notifications about this transaction until I atempt to use my card to only find out I was negative $ XXXX. I called in the bank that evening and they told me they will put the dispute in. They said transactions was made in XXXX XXXX which is no where near me and it is done through XXXX XXXX where my account was no longer active. XX/XX/XXXX I went to the branch in person, to tell me that the claim was denied and I need to pay back the debt. At the same time my work check was being direct deposited. I told the bank I need the money for rent and I don't have the money. They told me, I could open a loan account and set up a payment plan and they can help me with loan forgiveness. They continue to tell me that the claim got denied because the " merchant denied the transaction being taken place. '' I spoke with 4 different advocates plus 1 from the branch. They said if i could get a statement from XXXX XXXX  stating account was not under my control and my card was compromised the claim can be open again. I end up calling cash app service and open a case there. Later that evening I called in my bank and they said because " I agree to policy money can't be refunded '' even when I told them and the fraud specialist that i want through identity fraud along with the case XXXX from XXXX XXXX. They never gave me an answer to why none of this was flag and how this individual was able to make multiple transactions overdraft. They told me that my account will be flagged and lock and my card was put on hold and another claim will be open. My check went through XX/XX/XXXX For another withdraw of {$50.00} was made. Despite my card being on hold and me telling the advocates of this inquiry. XX/XX/XXXX I officially made police report. Same day, I went back to the bank again but to a different branch and they also didn't give me answers other than a puzzled look from the experience I had from the other branch. They said they will put the claim in for me which I assume was never done and told them of recent withdraw. They close down the card and is sending me a new one. I have to wait 45 days for response to see whether or not the claim goes through. I'll claim fault if I made the fault but I have been robbed and my bank twice has failed to protect my money and putting me in a situation where I may have to pay back a debt that wasn't used by me.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actwal knowledge of errors. A person shall not furnish any information relating to a consume to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( 1 ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate ( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: R & B Corporation of Virginia (AZ)

I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from Credit Control Corp which dropped my score significantly. I have received no phone calls or contact via USPS Mail to confirm this collection is mine or valid ( which is not ) prior to it hitting my credit profile with the bureaus Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. This collection must be removed from my credit promptly due to erroneous collection practices.
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (PA)

XXXX   XXXX     2014 I ap plied for bankruptcy. At which time the debt to  XXXX   Huntington Bank  for {$63.00} was listed in the petition. On  XXXX   XXXX ,  2014, the  debt was  discharged through the bankruptcy. This is still listed on my credit repo rt and   XXXX   XXXX   Report. Please adjust accordingly.     Case #  XXXX   XXXX   XXXX   XXXX   XXXX    Pennsylvania.
Consumer complaint received 2023-05-20
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. (LA)

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

*Accounts not verified, Dates Reported inaccurate, Dates of last activity inaccurate, account shows a balance owed on a charged off account.dispute status inaccurate
Consumer complaint received 2023-04-18
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. (KY)

I called the Credit reporting agencies after noticing that they were reporting a U.S. Bankruptcy Court item on my credit report and they never answered my question after I asked if they validated the information with the original creditor nor did they remove this unauthorized inaccurate information. I spoke with the U.S Bankruptcy Court and they stated that they do not provide information to credit reporting agencies which is stated on their website as well. Per the FCRA the information is not validate so they must remove the information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Consumer complaint received 2023-02-17
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: NAVY FEDERAL CREDIT UNION (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # xxxx xxxx xxxx XXXX, xxxx xxxx 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
Consumer complaint received 2022-11-04
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. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-10
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04
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. (MN)

In accordance with the Fair Credit Reporting act XXXX : XXXX XXXX account # XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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.