davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (CA)

I sent a letter to the TransUnion Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, TransUnion has failed to respond to my request. 
XXXX XXXX XXXX Date opened : XX/XX/2019 Balance : {$0.00}.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am writing this complaint due to Experian not responding properly with my request to have credit inquiries removed and certain accounts on my report that I do not have a contract with nor can they provide proper documentation that they accounts belong to me. I did not authorize these inquiries and they are still showing up  on my report as well as the accounts and I have tried to dispute this over 3 times. I get the same response a few days later. Which further tells me that they have not verified these inquiries or account and keep sending me a generic response. I have recently submitted another dispute and if this complaint does not work I will be submitting a complaint to the BBB as  well as contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit or adding accounts to their report is for a firm offer of credit, insurance, employment or court order, or if the account has been proven with contract to be mine.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (FL)

I have an active account with this Conns XXXX XXXX company. The account is NOT more than 30-days past due. If my account goes one day delinquent the company calls my place of employment at least 15-20 times per day starting as early as XXXX to XXXX. I have asked verbally that they remove my work number from their files as I am unable to receive these types of calls at work. I would like for them to cease and desist all communication via phone because it is annoying. I would like to only communicate with them via mail correspondence. The phone calls are unrelenting from day to day causing disruption in my work performance and personal life. The calls are continuous in nature with intent to harass over a {$130.00} past due balance, They have also authorized payment out of my account that I did not authorize, after I manually removed the automatic payment method from my account. They have removed the option for me to update my banking information on file so that they can't use the information on file. Although, I have contacted my bank regarding the unauthorized Customer Service payment that I did not authorize last month. This month, they still attempted to use my personal banking information some how to process the payment on their own free-will when I did not authorize and removed the automatic payment method on my account so that they would not have access to my banking information. I do not want them harassing me at work or at home over a debt they say I owe that's not more than 0 days late in an attempt to force me to pay. I want them to cease and desist from calling me at work 20 times per day and at home. Communication going forward should be through the mail service.
Consumer complaint received 2023-06-22
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. (MA)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to Equifax on XX/XX/XXXX. Unfortunately, Equifax has not responded to my inquiry. In accordance with the Fair Credit Reporting Act, I am seeking your assistance in resolving this matter. 
I would like to provide the following details of the inaccurate information that requires correction on my credit report : Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$11000.00} I want to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX  : XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} I want to bring to your attention that the aforementioned account is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$620.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} I can confirm that the indicated account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3100.00} I can confirm that the specified account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} I can confirm that the specified account was never late. The reported information is inaccurate, and I kindly request that you correct this discrepancy on my credit report. 

Account Name : XXXX XXXX XXXX  : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} I can confirm that the indicated account was never late. The reported information is incorrect, and I request that you update this inaccuracy on my credit report. 

Account Name : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} I can confirm that the specified account was never late. The reported information is inaccurate, and I request that you correct this discrepancy on my credit report.
Consumer complaint received 2023-02-21
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)

On XX/XX/XXXX, I purchased some shoe boxes from a company online. When I finally received my package, the item that was received was not the item that I ordered. I disputed the charge with Capital One and they temporarily refunded my account. Apparently, the vendor send Capital One notice that the item sent was " foldable shoe boxes '', and that was enough for Capital One to accept their response. The company sent me what was essentially a plastic bag, so Capital One accepted this as " foldable '' and closed my claim and has denied all of my future disputes. The company does not have a phone number listed and my emails have been ignored. 

The charge for the item was on XX/XX/XXXX. Temporary credit was issued XX/XX/XXXX and charged again to me on XX/XX/XXXX. The charge is for XXXX from XXXX XXXX. I've emailed XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX with no response. Capital one has denied my disputes from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-02-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bliksum, LLC (CA)

I have taken this loan out couple years ago. Back in XXXX  I have paid them off in a settlement. I just discovered it is on my credit so I have tried to contact them they are no longer available tried to email them not able to do that. So I have contacted the number it says to contact on XXXX which is XXXX when I have spoken with them they even says it shows Ive paid them off but I would have to contact them to have it removed and there isnt a way for me to get in contact with them I have tried.
Consumer complaint received 2023-06-22
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. (NY)

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 2023-02-15
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. (TX)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-02
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 sent a letter on XX/XX/XXXX, to remove the 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 ) you are required to remove/block any items not later than 4 business days Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX : {$14000.00} XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance XXXX {$14000.00} XXXX XXXX Balance XXXX {$12000.00}
Consumer complaint received 2023-03-02
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. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

ive contacted the following companies ' Experian, XXXX, and XXXX, about my credit profile having wrong names listed as well as the wrong address on file.to no avial i have yet to get any help updating these issues. also to alert companies about fraudulent activites.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX 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 XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-22
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my file with Equifax. this issue needs to be resolved asap. checking my credit Report all data is not valid. this has been hindering my file for a while. please review an remove all data listed asap.
Consumer complaint received 2023-06-22
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. (GA)

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 XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC (NC)

This business, who advertises their false services through social media such as XXXX, is nothing more than a scam, deliberately keeping peoples money who need help and not providing the service they promise upon receipt of payment. 
When you first call for a consultation, they are very quick to ask for their upfront fee of {$270.00}, and then they ask you to schedule a call to go over your credit issues, but you cant schedule a call until 2-3 months later. 
I did just that, expect that when they decided to call me back over 2 months later, I had already solved my credit issue on my own. 
I filed a lawsuit against the credit bureaus in which I prevailed and got the fraudulent items removed from my reports. 
This company did absolutely nothing more than lie and steal my money, as they have done with every other innocent potential client they have ever tried to have. Their reviews under the XXXX speak for themselves. They scam people and get away with it. 
I filed a charge back with my credit card company and this ridiculous company argued that they provided a service which they most definitely did not. Therefore my credit card company inadvertently sided with them, not knowing what the scam they are dealing with. 
Their owner, XXXX XXXX XXXX, constantly uploads videos on XXXX bragging about all the money he has deliberately taken from people. This scam of a business must be stopped.
Consumer complaint received 2023-02-28
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. (CA)

To whom it may concern : Hello I have 2 accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXX is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS XXXX FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that accountXXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is XXXX XXXX. Im requesting for XXXX  XXXX  to be removed as well for reporting illegally according to the IRS.
Consumer complaint received 2017-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates has reported to all three credit reporting agencies that I am delinquent on a debt in the amount of {$3100.00}. This company has reported this since on or around XXXX XXXX. I dispute the validity of this company 's reporting and request that this information be removed from my credit report with all three agencies immediately. The bases of my complaint, in summary, are as follows : 1. I never received notice from this company that they purchased this debt. The very first notification I received was in XXXX XXXX. I submitted a complaint with respect to this and the company failed to address this aspect of my complaint at all but " completed '' its investigation. 
2. This company reported to all three credit agencies that the first time I was delinquent was XXXX XXXX. I demand proof that THIS company even owned the debt at that date. They are reporting delinquency of a debt they did not own in XXXX XXXX.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federdally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
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. (NJ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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, Account XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX