davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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. (IL)

I am writing to file a complaint regarding the results of my recent reinvestigation. Upon review of the report, I have found several inaccuracies in regards to my credit accounts.

In particular, the information listed below is not accurate and I would like a full description of the errors in accordance with 15 USC 1681i ( 7 ). 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Despite my request for correction, TransUnion LLC has failed to modify or delete the inaccurate information on my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( xi ). I have attached a copy of my consumer report as evidence.

I demand immediate correction of the inaccuracies listed above and full compliance with 15 USC 1681, 15 USC 1691, 15 USC 1692, and 15 USC 1681 ( m ).

Thank you for your prompt attention to this matter.

Sincerely,
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

I pulled my credit report and this company has me in collection. I never signed an agreement with XXXX  stating they can share my personal information. I contacted XXXX and they have no reason that I should be in collections with this collection company. I currently have XXXX XXXX. This company has made false collection action and has affected my credit negativity CCS COLLECTIONS Last reported XX/XX/XXXX {$220.00} Open balance XXXX XXXX Original creditor Opened Account status Type Responsibility XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open I never had XXXX
Consumer complaint received 2023-06-23
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. (MD)

This is my 13th 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
Consumer complaint received 2023-01-07
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
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. (OH)

This is my fourth 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 alleged fraud or extortion 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
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

Recently, saw that SYNCB/SAMS CLUB pulled my credit file without authorization. XXXX the company pulled my report from all 3 bureaus without my approval. Asking for company to remove this hard inquiry from credit report once again.
Consumer complaint received 2023-01-07
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. (NY)

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 reports no consent is fraud.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TX)

This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, XXXX XXXX XXXX XXXX Acct XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I checked my credit profile a few months ago and realized an account that I didn't open is on my reports. I was young and never knew anything about credit and have never had a credit card. Someone opened a credit card with my information, made payments and stopped paying I guess, and now I have this fraudulent debt on my name. I was informed I've been a victim of identity fraud. 

I informed Portfolio Recovery Associates LLC that this account is not mine, I am a victim of identity theft. The account number is XXXX. I have filed a police report, and mailed it to them along with my identity theft form. I need this account removed from my name and credit reports immediately. This is my final attempt at peaceful mediation.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WA)

Credit bureaus are showing a bankruptcy on my credit report which was reported by  US Bankruptcy Court. I contacted the court and received a letter that states the do  not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (CO)

Sometime in  XXXX  I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on  XXXX   XXXX   XXXX  because they were the only ones who offered a payment plan.     I first had my load processed with  XXXX   XXXX , and my payments started on  XXXX  of  XXXX . The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forwa rd 2-3 years as we ll. The first problem arises on m y CBR, sh owing a debt of ove r 20k, whic h is incorrect. My loan was only for  XXXX . I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter.     Aft er 4-5  months,  XXXX  transferred or sold this loan to  BB & T, w ho claim I mis sed 3 pay ments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o a fter 180 days  of delinquency? This loan only show s 3 m issed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showing  XXXX  of  XXXX .     I have been trying to get this issue resolved for almo st 2 yea rs. I have n't received a bill in near ly 3 ye ars, and in the past it had been nearly impossible for representatives f or BB & T t o locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from  BB & T  until recently I began getting calls again, and the loan is showing delinquent on my  CBR a gain. The loan has not been sold to a  3rd party , its still w ith BB & T an d when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months.     I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in ne arly 3 y ears, and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on  BB &  Ts part, along with incorrect  CBR  reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between  XXXX  amount an d BB & T )  and where it shows I only missed  3 p ayments, then the loan C/O.
Consumer complaint received 2017-05-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (CA)

I have contacted this company so many time and I was told to send in paperwork that I have sent in over  5 times an d never gotten a response the account was opened up fraudulently in my name I gave them everything they asked for and heard nothing called so many times no was able to tell me anything until I received something in mail saying they are closing the case because they have n't received papers I know that it 's not the case because a rep said they received it over the phone and I had to wait to do the investigation this company is jerking me around only to find out that this business is not even licensed to do business in my state they have a corporation service company in California but that is it no rights to collect a debt in California they are breaking the law I found this out when I went to the courthouse in my state of California
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to  Transunion  and  XXXX  on    XXXX   XXXX   . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in    XXXX   XXXX     . I was never notified by either Transunion or   XXXX   in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed for a  XXXX  time on   XXXX   XXXX  . I looked at my credit report today and found that for the  XXXX  time on   XXXX   XXXX   this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.
Consumer complaint received 2023-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

( XXXX ) On XX/XX/XXXX was charged XXXX for a " WalmartXXXX XXXX membership. I had cancelled a trial period within the guidelines ( before 30 days ) and should not have received this charge on XX/XX/XXXX. I called Walmart and talked to XXXX on XX/XX/XXXX at XXXX XXXX XXXX He could find no account for me and told me to dispute charge with credit card company. I did. The charge was reversed under case # XXXX. ( XXXX ) On XX/XX/XXXX I was charged XXXX again. I called and spoke to XXXX at Walmart on XXXX XXXX XXXX XXXX XXXX. Again no account could be found for me. Credit card company again reversed the charge under case XXXX. ( XXXX ) On XX/XX/XXXX I was charged again. This time the charge read " Walmart XXXX XXXX XXXX and the amount was now XXXX. I disputed the charge with the credit card company and they reversed the charge under case XXXX ( XXXX ) Credit card company told me that charges from Walmart could not be blocked ( XXXX ) I asked for a new credit card with a new number. They sent me XXXX with a number ending in XXXX ( previous number ended in XXXX. ( XXXX ) On XX/XX/XXXX I was charged yet again for XXXX. I called credit card and asked how? The answer was because the new credit card number was automatically given to Walmart. Charges reversed under case XXXX ( XXXX ) On XX/XX/XXXX I was charged XXXX again. I called Walmart on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. He ( as all the others at Walmart had done ) tried to search for an account for me under my name, my email, my phone number, my address, the date of the last charge and the last XXXX digits of the credit card. He could find no account, and said his hands and those hands of the person above him were tied as far as the charges- they could not stop the charges and I need to dispute with the credit card company. Credit card reversed the charges under case XXXX. ( XXXX ) I asked to close my account completely. Credit card company said they could not do because there were outstanding disputes on my credit card. I have letters in my hand from them for every case I have referenced above saying " At this time, we consider your case closed even if we provide you with additional information. '' ( XXXX ) I just received a letter dated XX/XX/XXXX from credit card company saying that they are going to recharge me for the XXXX charge under case XXXX because I did not answer every question on a very long form they sent me ( instructions were to put NA if question did not apply, which I did ). The charge reversals still hold however for XXXX, XXXX, XXXX, and XXXX... so why is XXXX any different? They told me in one conversation that the reason that they reversed the charges is because Walmart did not respond to their request for more info to prove the charges.
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (RI)

These companies ran my credit without my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
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. (IL)

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 : XXXX XXXX XXXX XXXX XXXX XXXX Go Financial 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.

I need this item removed from my credit report immediately or further legal action will be taken.
Consumer complaint received 2022-11-16
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. (CT)

The account XXXX XXXX for the amount of {$3000.00} Account # XXXX is fraudulent and I filed a FTC report. Please remove this account from my credit. 
XXXX XXXX XXXX Permissible Purpose.
Consumer complaint received 2023-06-23
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.