davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX remove these fraudulent inquiries from my credit report. 
I also attached my identity theft as well.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : REVVI/MRV - 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 XXXXXXXX BALANCED {$420.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXXXXXX BALANCED {$700.00} XXXX XXXX XXXX BALANCED {$0.00XXXX XXXX XXXXXXXX XXXX {$480.00} The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Consumer complaint received 2024-11-21
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (FL)

We were Profiled, Discrimated Against, Mistreated, and Declared Guilty of Fraud without any evidence and told to leave. Unbelievable! 

We were depositing a cashiers check from the sale of a house. Truist bank declared it fraud without doing due diligence. 

Truist declared us fraud without any evidence! The XXXX XXXX cashiers check was good and the funds are still waiting! They charged us a {$96.00} overdraft fee for an account that has never been overdrawn! They have not helped at all at resolving this situation. They just told me I was not welcome at Truist any longer and closed my account. 


Please refer to attachment...
Consumer complaint received 2023-06-01
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. (NC)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please remove them as soon as possible : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-26
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. (VA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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
Consumer complaint received 2023-02-21
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. (NC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-09
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. (IN)

I have a XXXX XXXX  credit card that is reporting my account is XXXX days late on the XXXX credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XX/XX/XXXX. XXXX. XXXX XXXX  has thru caused my credit score to drop over XXXX points due to their error. I have requested this matter to be properly updated and still nothing.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In response to the credit reporting agencies ' assertion of a thorough investigation resulting in verified accounts, I am left baffled by the persisting inaccuracies glaringly evident on my credit report. As a consumer seeking clarity and resolution, I demand a detailed account of the purported investigation process undertaken by your agency. It is imperative under 15 U.S.C 1681i ( 7 ) that I am informed of every step executed to ensure the absolute accuracy of these items. Transparency and accountability are non-negotiable as I navigate the resolution of these discrepancies.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (TX)

I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (TX)

I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-23
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I just received an letter in the mail stating that I owe over XXXX XXXX dollars for a credit card I didnt even have or havent any knowledge about, the representative over the phone says it was back in the early XXXX. I havent received a credit card by a company providen or asset acceptance , LLC and they want to garnish my pay check, to pay this amount that Im not aware of I dont know nothing about this credit card or debit collector thats in my name, please help I dont have a clue, I never been through this before, how someone can get my name and personal information. This confessions me, that a person stole my identity account # XXXX Im at the police station right now to report identity theft. This is the first notice I received in the mail, that why Im scared nervous and upset at the same time.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies 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 Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-09
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. (NJ)

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. 

XXXX.Validate Account XXXX XXXX XXXX Account Number : XXXX : XXXXValidate Account XXXX XXXX XXXX Account Number XXXX XXXX XXXXValidate Account XXXX Account NumberXXXX XXXX Account NumberXXXX Validate Account XXXX Account NumberXXXX XXXX. Validate Account XXXX XXXX Account XXXX Validate Account XXXX Account NumberXXXX Validate Account XXXX  Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate Account 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 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 XXXX 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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (IL)

To Whom it May Concern, This letter is in response to your contact with myself in an amount owed that you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verity the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Datel [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (PA)

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 2019-05-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

I've been keeping up with payments on this loan since XXXX of 2018 and haven't made hardly any progress repaying it. I owe hardly less than what I started at. This loan would be one thing if I was making monthly payments but the fact that they want payment every time I get paid is CRUSHING and what makes it so financially crippling. The expensive payments have caught up to me. I'm taking classes to better myself and enter a lucrative field ( Information Technology and Networking ) and because of this I'm working reduced hours. I'm making deliveries for food delivery apps and grocery shopping apps but it's still not enough to make all the ends meet, particularly towards the outrageous expense of this loan. I need help. The payments are too high and too frequent for me now and i don't know what to do. I've tried getting a debt consolidation loan but have yet to find a company to help me because my overall debt is only around {$8000.00} ( the Avio Credit loan is approximately {$3000.00} of that ) but for me that's a LOT of money, especially as I'm goong through this part of my life where I'm trying to get an education that'll result in a better paying and more fulfilling job. As i said, i don't know what to do and i need help.
Consumer complaint received 2023-01-09
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. (AL)

I did not file this complaint in error nor am I being represented by a XXXX party but I have been studying the FCRA every since I have been fighting to get an inaccurate, false Bankruptcy removed from my report. Now I keep finding errors on my report that are not being corrected. I sent a letter certified mail back on XX/XX/XXXX and received tracking via XXXX when I contact the credit reporting to follow up on my complaint I was told the letter was not received however I have proof of delivery and I'm trying to understand my the company is ignoring my request and continue to violate US Code 1681b ( 2 ) no permissible purpose to furnish report without my written consent as well as violate my right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation of Aggravated identity theft of Public Records when the furnisher does not report and also XXXX  XXXX XXXX for inaccurate unverifiable but somehow you still verify something that is not on my report... .make it make sense I have sent you proof several times that this has been deleted and you still violate me XXXX  XXXX Bankruptcy case # XXXX XXXX  XXXX Bankruptcy case # XXXX
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies 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 XXXX ( 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 Equifax data breach and XXXX have got into the hands of the wrong person.