davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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. (CO)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/ Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XX/XX/XXXXDelete this account. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/ Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-02-13
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (FL)

see attached. No consent or permission by me, the consumer, to report, or furnish any information to a credit reporting agency or any third party. XXXX has been reporting late payments, missed payments, and open balances that shouldn't be reported due to not being specified on contract and no consent to do so by me. Account numbers XXXX and XXXX.All three Credit reporting agencies verified this party to report frivolous and inaccurate information to my consumer report. Enclosed invoice.
Consumer complaint received 2023-04-22
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. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Receivables Performance, 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. 
I do not owe this debt collector.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

see attached. No consent or permission by me, the consumer, to report, or furnish any information to a credit reporting agency or any third party. XXXX has been reporting late payments, missed payments, and open balances that shouldn't be reported due to not being specified on contract and no consent to do so by me. Account numbers XXXX and XXXX XXXX Credit reporting agencies verified this party to report frivolous and inaccurate information to my consumer report. Enclosed invoice.
Consumer complaint received 2023-08-14
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my credit report. My goal is to seek enforcement of my legal rights as a consumer and request your assistance in rectifying these violations. 

I am a diligent individual who believes in the importance of financial responsibility. I have worked tirelessly to maintain a positive credit history and ensure the accuracy of my credit report. However, I find myself in a distressing situation due to unauthorized inquiries, inaccurate account reporting, and questionable information on my credit report. These issues have not only caused financial stress but have also had a profound emotional impact on my life. 

As a victim of these violations, I have experienced firsthand the frustration and anxiety that stem from the inability to secure reasonable interest rates for loans and credit cards. These inaccurate entries have directly hindered my ability to achieve significant life goals, such as purchasing a home and securing financing for necessary expenses. I have had to endure sleepless nights, constant worry, and the mental toll of feeling powerless in the face of a system that is supposed to protect consumers. 

Specifically, I have identified the following violations : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX Inaccurate Account Reporting XXXX XXXX XXXX ( Account Number XXXX XXXX ) Questionable Account Information : XXXX ( Account Number : XXXX ) I implore you to consider the immense impact that these violations have had on my financial and emotional well-being. I kindly request your intervention to ensure that the creditors involved remove the unverified accounts and inquiries from my credit report, thus allowing me the chance to rebuild my credit history accurately and without the unjust obstacles that have plagued my life. 

Please assist me in upholding the principles of the Fair Credit Reporting Act by taking necessary actions against these violations and ensuring my rights are protected. I thank you in advance for your attention to this matter and your commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

TFS has yet to remove a 30-day late payment on XX/XX/2021, I have tried to present the statement showing the error on their end where they made a mistake, but the chages were never made and nothing was updated. In XXXX, it will say updated but 30-day mark was never removed.
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frost-Arnett Company (GA)

I paid the debt with the collector. I asked that my personal information be deleted, since I did not contract with them - the owner of the debt did. They have all my vital information-ssn, address, birthday, phone number. I talked to two individuals. Both said they were unable to delete my file, that their system did not have that option. I have no contract with them. I owe them nothing. I want my personal information deleted since there is no further business with them. There is no reason to maintain this file.
Consumer complaint received 2022-12-06
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, 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, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; 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. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$1300.00}, and XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/2020 Balance {$7900.00}. 

If you feel there is a possibility these accounts 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.
Consumer complaint received 2022-11-02
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. (GA)

I sent letters to all three burrow and updated my Information and to remove personal information that I don't want on my Credit report. According to the fair Credit act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802 No financial institutions is not suppose to share my Information to any third party people. 

This is a clear violation of my Federal protected consumer rights!
Consumer complaint received 2023-08-14
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. (AZ)

I recently reviewed a copy of my credit report and learned that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report. The following are fraudulent accounts being referenced : US DEPT ED {$9800.00} US DEPT ED {$9000.00} US DEPT ED {$6200.00} US DEPT ED {$4800.00} US DEPT ED {$4000.00}
Consumer complaint received 2022-12-06
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
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. (GA)

This is my several endeavor to tell credit bureaus 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; Medical XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

I completed citi bank accelerated saving account bonus as required starting XX/XX/XXXX ending XX/XX/XXXX with a balance of XXXX in which I should have received a bonus of XXXX automatically on XX/XX/XXXX or an extra 30 days later. Needless to say I didnt receive my bonus even after taking about month to complete Verification of account via w9 which was never stated needed to be done. After I made sure my account was verified around XX/XX/XXXX a whole month after I should have received my bonus I switch to the prior plan for checks. Never was I told if I switch I wouldnt receive bonus which I qualified and complete XX/XX/XXXX. Citi bank refuses to honor their obligation of issuing me my XXXX dollar bonus which I want ASAP! They continue to make me open claims and would never send emails or communicate decision! I opened several claims with poor customer service! Citi banks provided me XXXX as a inconvenience payment which conveniently is the lower amount due for the accelerated saving bonus requirement because they know they are culpable to pay me my full XXXX but they wont do it. I want my full XXXX US dollars to be provided which is owed to me for keeping my end of the bargain! Please help!
Consumer complaint received 2023-04-22
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: LEXISNEXIS (IL)

I have 3 bankruptcies on my credit report and over 115 inquiries on each report due to identify theft. 
XXXXXXXX XXXX XXXX LexisNexis and l i, i did not disclose any personal information to these companies for any reason, nor did the bankruptcy court or my attorney. We sent letters of expungement from the courts on XX/XX/2023 for them to be taken of my credit report all companies have failed to do so. They are violating my rights as a consumer, And under FCRA. Can you someone please reach out to these companies XXXX XXXX LexisNexis XXXX XXXX And have them to remove all 3 bankruptcies off of my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (TX)

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 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 2023-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (MN)

Needed extensive plumbing repair. ( XXXX, MN ) XXXX XXXX XXXX encouraged us to apply in our home while he was there ( some repairs were already done ) ... and said we were approved. We were to activate loan online. Were not able to ... and advised to call Green Sky ( the loan company ). I have been calling all week, put on hold, transferred, to no avail, being told " a case was opened '' " it is in investigations '' XXXX, from Green Sky is supposed to call, has not yet. I have left several messages. His number is : XXXX, ext. XXXX. XXXX XXXX XXXX is angry that we have not " activated '' loan yet and advised me rudely to get it activated now or we don't get paid! We have 3 incomes in this house. My mom is the primary on the loan ( loan app XXXX XXXX..name XXXX XXXX ) She is XXXX she does not hear well o n the phone. They have not returned calls or taken me seriously at all. I do not know what the problem is. The work was to be in the XXXX XXXX range. We will have to cancel the rest of the work and pr0bably be charged more because it was a " bundle package. '' We can pay some on a credit card but would need a loan to complete the big job which is a necessary job.. I am stuck here waiting for a call that does not come with XXXX XXXX breathing down my neck AS IF IT IS MY FAULT!!!! Please help... .my phone number is XXXX. XXXX XXXX is my mother and she and I are living in the same home, as is my partner. The loan is in her name. I can not move forward or backward waiting for Green Sky to contact me and I have tried all week!!
Consumer complaint received 2023-10-03
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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)

I have the one that is remove off two credit report because of fraud XXXX  XXXX is garshment of my wages and there almost paid but XXXX XXXX  has not prove that those my charges or not I was married at the time all so
Consumer complaint received 2023-08-14
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. (TN)

No I'm gon na need all of the non beneficial and negative Mark 's on my credit report to be taken down immediately because because they are violating my right under USC 15 1681 B. I have a right to privacy and I didn't consent to these nor did I say it was okay to put out my inquiries they also need to be removed.
Consumer complaint received 2023-08-14
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. (GA)

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.

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.