davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (TX)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, 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 not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2XXXX, XXXX, TRANSUNION MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-20
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: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX I received a call and was convinced to purchase a vacation package from XXXX XXXX XXXX. Due to issues with obtaining my passport, I called to cancel the vacation on XX/XX/XXXX as outlined in the XXXX XXXX XXXX disclaimer. I spoke to a representative named XXXX and was told I would receive a refund in 5 to  10 days but never got it. After following up with XXXX and being ignored, I called my credit card company, XXXX, to file a dispute. On XX/XX/XXXX I spoke to XXXX at XXXX and he suggested I wait another 10 days and call back if a refund was not issued. On XX/XX/XXXX I filed a formal dispute with XXXX for the transaction in the amount of {$1300.00}. Attached are responses to my complaint from XXXX dated XXXX XXXX stating that they would not assist me even though they contacted the wrong company, XXXX XXXX XXXX, during their investigation. On XX/XX/XXXX I reached out to the BBB, followed their complaint process, worked with a rep named XXXX XXXX at XXXX and again received responses that XXXX will not assist me in resolving the matter. It is obvious to me that XXXX XXXX XXXX is using unethical business practices as they ignore calls, drop phone calls, do not respond to emails, and have an inoperable website that does not allow customers to make contact. However, I thought my credit card company, being the giant that it is, would provide better protection for consumers like myself who have done everything possible within the prescribed guidelines. I now question the business practices of XXXX.
Consumer complaint received 2018-10-05
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. (GA)

After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (OH)

In XXXX of 2023 I took out a loan for {$1000.00} I knew I would have some interest but never would have thought the ending balance would be {$3000.00} with interest and fees. I was already going through a rough time and this loan only aided to the stress. I have already paid over a {$1000.00}. Not to mention the constant phone calls and emails multiple times daily.
Consumer complaint received 2022-10-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (FL)

I have not been able to have physical ( verbal over the phone ) contact with Sagestream LLC, they have reported some false data ( very slanderous ) and thus I have been trying to confirm an see what is on my " version of their credit report '' and have been trying to get things resolved and corrected ( history shows they are notorious for this type of behavior per BBB reports from other consumers that have led to SageStream LLC having an F rating ) I have submitted electronically all documents requested. 
I have also requested a freeze as well I have NOT gotten any confirmation from them with regards to my info as they requested from their website, nor any form of communication from them.. They DO NOT pick up the phone at all.
Consumer complaint received 2020-02-20
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: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Consumer complaint received 2023-04-15
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has XXXX, ACC # XXXX**** as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. Transunion has XXXX, ACC # XXXX**** as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. Transunion has XXXX  CARD, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. Transunion has XXXX XXXX XXXX  XXXX XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. Transunion has XXXX XXXX XXXX, ACC # XXXX****/ XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX  , ACC # XXXX**** High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX, ACC XXXX XXXX**** High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Associates Loan Servicing LLC (FL)

ABOUT A YEAR AGO I FILED A COMPLAINT WITH YOUR AGENCY CONCERNING ACTIVATE FINANCIAL SENDING DEBT COLLECTION LETTERS TO MY HOME FOR ANOTHER PERSON WITH THE SAME NAME. AFTER THE COMPLAINT I RECEIVED A LETTER FROM ACTIVATE APPOLOGISING AND PROMISING TO FIX THE PROBLEM. AFTER A COUPLE MONTH THE LETTERS STOPPED, UNTIL NOW. I RECEIVED A LETTER DATED XX/XX/2020 WITH THE SAME DEMAND AS BEFORE. I AM CONCERNED THAT THIS IS AFFECTING MY CREDIT REPORT. I WANT THEM TO STOP PERMANENTLY. I WANT THEM FINED. THERE HAS BEEN NO OTHER XXXX XXXX LIVING AT MY ADDRESS SINCE THE DAY THE HOUSE WAS BUILT.
Consumer complaint received 2022-11-22
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. (NE)

In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

XXXX keeps reporting a {$120.00} debt they say i owe to XXXX for the last 5 months now. I keep disputing the charge and they have not done anything about it. 

1. I havent had XXXX in over 2 years so how all of sudden in the last 5 months i suddenly owe? 
2. I paid XXXX in Full prior to switching to XXXX. I know this because XXXX provided me with the unlock code on the phone i paid off so i could switch to XXXX. They will not provide the unlock code for an iphone until your account is paid in full. 
3. For over 2 years nothing has ever been reported on my credit report ( you can check my credit to verify ) now all of sudden i owe XXXX or this collection agency {$120.00}? 

I have asked over 4 time for XXXX  to remove it and they will not. XXXX is the only credit reporting agency that has the supposed collection on my credit report. XXXX and XXXX are not reporting anything
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I saw interest charge {$10.00} on my credit card at XX/XX/15. I don't quite understand why it occurs in my account as the autopay was enabled to pay full statement balance every month. The customer service is unable to do the refund.
Consumer complaint received 2022-11-22
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2003 ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2022-11-22
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. (SC)

After experiencing identity theft, I contacted, Equifax via certified Mail, and identified fraudulent addresses, fraudulent employers, and fraudulent accounts that were not initiated by me. The only accurate address is XXXX XXXX XXXX XXXX XXXX  XXXX. I requested all other inaccurate addresses be deleted, however they still remain. The only correct phone number is XXXX. I requested all fraudulent phone numbers to be removed ; however, they all remain. I requested all employers be deleted, as they are inaccurate and yet they still remain. The following fraudulent accounts still remain : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. There is also a fraudulent late payment on XXXX mortgage, when this account was never late. I sent the identity theft report and other proof showing this information/these accounts are fraudulent and a result of identity theft, Equifax has still refused to remove this information from my consumer report. I do not understand why this fraudulent information is still on my consumer report, especially as my information was included in equifaxs data breech and have not been verified as accurate.
Consumer complaint received 2022-11-22
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 sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

They have accounts Ive never applied for on my account. Theres so many address associated with my credit file it shows theres a lot going on. I need my credit profile completely whipped as I was a victim of identity theft.
Consumer complaint received 2023-02-08
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. (GA)

Your company is reporting an account XXXX XXXX XXXX XXXX with incomplete account information. Update the full and complete account number without stars or delete this account due to incomplete account information. Failure to provide an accurate credit report without omissions will result in me filing a lawsuit against your company for willful noncompliance.
Consumer complaint received 2022-11-22
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2003 ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-05-31
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. (NY)

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 U.S.C 1681. 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 XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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.