davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (IL)

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX Bank tried on XXXX ; XXXX tried on XX/XX/XXXX and they pulled my credit on XX/XX/XXXX ; The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-28
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-28
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)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : {$840.00} XXXX XXXX Date Opened : {$840.00} XXXX XXXX Date Opened : {$840.00}
Consumer complaint received 2023-06-28
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-19
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. (GA)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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: Chime Financial Inc (NY)

on XX/XX/23 I filed a dispute with my bank for non receipt of merchandise " Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$350.00} : my dispute was denied even though I never received the product, the product is clothing from a company called XXXX, the package was supposed to have a signature required, which my signature isn't on the package, chime denied my dispute saying that the package was delivered which in all reality the package never was delivered, chime has not been any help with helping me get my money back from this company, I bank with chime as my primary bank and they should treat customers with more care. this is all of the money I had in the bank at the time and I was buying clothing for my children. I need help getting my money back
Consumer complaint received 2023-06-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$380.00}
Consumer complaint received 2023-06-29
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. (TX)

THESE ARE UNAUTHORIZED INQUIRIES IN MY REPORT XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX THESE ARE INCORRECTLY REPORTED ACCOUNTS IN MY REPORT XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICE XXXX XX/XX/XXXX
Consumer complaint received 2023-06-28
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$240.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (VA)

It is also important that each financial institution, creditor or anyone providing information to the credit agencies only report information that is accurate, without prejudice or malice. I am the victim of a Collections Agency, Meridian Financial Service reporting false/incorrect information to the credit bureau as follows : Account Payment Status Collection/Charge off : Original Lender XXXX XXXX XXXX XXXX and the Highest Balance {$580.00}. This was totally false information. I disputed the matter and wrote a letter to XXXX XXXX general manager. Meridans actions were arbitrary and capricious and Meridian knew the information was false prior to submitting it. ( See attached letter )
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

After reviewing my credit report with all XXXX Credit Bureaus ( XXXX and XXXX ) I noticed a derogatory item from USAA Bank on all XXXX Credit Bureaus, " of a debt/charge off for {$6800.00}. '' I sent USAA a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act '' of this debt/charge off for {$6800.00}. '' Verification meaning competent evidence bearing my signature. USAA received my letter on XX/XX/2017. In my letter I requested for them to remove this Account " of a debt/charge off for {$6800.00}. '' from my report if they could not provide me with competent verification of this account with my signature. USAA has not responded to me at all. 0 correspondence and they did not dispute the account with the credit bureaus. This Account " of a debt/charge off for {$6800.00}. '' that USAA is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores negatively and preventing me from granting credit. I want this Account " of a debt/charge off for {$6800.00}. '' removed. USAA failed to respond in 30 days of my letter and did not provide me with any competent verification of this Account " of a debt/charge off for {$6800.00}. '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the Account " of a debt/charge off for {$6800.00} with USAA. '' Thank You
Consumer complaint received 2022-11-28
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. (TX)

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.

The information reported is improper, without consent, inaccurate and incomplete which may be considered false, fraudulent and misleading information Account XXXX XXXX XXXXXXXX # XXXX, Account XXXX # XXXX, Account XXXXXXXX XXXX XXXX  # XXXX, Account XXXX XXXX # XXXX, and Account XXXX XXXX XXXXXXXX, 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 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.

The information reported is also inaccurate and incomplete information which may be consistent with false reporting and fraud.
Consumer complaint received 2023-06-29
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-29
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-03
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. (NY)

XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX  report which they removed it. Equifax and XXXX  have not removed it. 

XXXX  after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. Equifax wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.
Consumer complaint received 2023-07-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I originally obtained a loan for {$2400.00} from loanmart an payed it down to the last payment an was asked if id would like to take another loan because i paid this one off. One the same vehicle i decide ok that ill reloan the full amount. This was right before the pandemic an i believe i owed XXXX left an was {$14.00} dollers short on a payment an called to explain this. A Manager named XXXX got on the phone an told me " I was pathetic an that if i didnt pay the {$14.00} dollers he would come get the car an leave me an my kids walking in the rain. He said this laughing. Then other stuff like i hope you cant pay the {$14.00} dollers because ill do everything in my power XXXX just to make your XXXX walk '' At that point ibsaid Sir ive had enough of the threats to the point just come take the car then i hung up. They called me back from a cellphone immediately an said this '' XXXX, Ill burn your XXXX house down an leave your XXXX walking lol dont you know we have your address '' what he disnt realize is i had recorded it because i had a bad feeling it was them calling an i was right. The next day i called again an a female representative answered i explained to come get the truck an that everything was ok with it that i took the battery out of it but will put it in. She then said sorry, We cant take the truck because you said it was missing parts? Which i then stated mame the truck is in perfect oder an i dont want to be threatened anymore. She then states i owe {$15000.00} for the {$1800.00} i had left to pay. A couple representative contacted me afyer that an i played the recorded tape for them an they quietly apologized an hung up 3 different times.3 years goes buy an i hear norhing, I eventually get a different phone an no longer have the recordings as evidence because i thought because they threatened me an i clearly proved it to them that a manager threatened me on the phone the mattwr would be closed. Nope, Almost 4 years later im hit with a garnishment of my wages saying i owe XXXX for the XXXX i only owed them. How did it get to be that much? An why you think its ok to say ull burn someones house down is ridiculous over {$1800.00}. The manager that called me once knew exactly who this employee/Manager was who called me an told me this person was fired shortly after due to his unprofessional behavior an even apologized. I dont deserve this an i already paid one full loan an would have paid this one had i not been threatened an then after that my truck was towed away. So they towed the truck an still want all that money? Then stated they never towed it when we watched the tow truck come 5 days after that convo.. They are scam artists
Consumer complaint received 2023-06-29
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. (TX)

This is a formal complaint reporting the fraudulent accounts I have discovered on my credit file, which have been reported by the three major Credit Reporting Agencies. The following accounts are in no way associated with me. I recently received a copy of my credit report and was shocked to find several accounts that I did not open and have no knowledge of. After conducting research on how to remove fraudulent accounts from my report, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX : XXXX to file a report. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are required to remove or block any accounts listed on an identity theft report. I have neither received any money, goods, nor services as a result of this fraud, nor have I authorized these accounts. Therefore, I urgently request that these accounts be promptly disassociated from any affiliation with me : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$610.00}. According to FCRA Section 605B ( a ), the Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. This blocking must be done no later than four business days after the date of receipt.