davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2020-08-03
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

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: 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. (TN)

In accordance to the Fair Credit Reporting Act. The lists of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

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 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-24
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)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is a fraudulent account. I have reached out to Transunion & XXXX XXXX, on multiple occasions to let them know this and both have given me the run around. This account, Account number XXXX, says it was originally opened back in XXXX, but didn't start reporting until XXXX, XXXX. From XX/XX/XXXX to XX/XX/XXXX, it reported on time payments, and from XX/XX/XXXX to XX/XX/XXXX, there were no more payments made, and the account was closed in XX/XX/XXXX. I NEVER MADE 1 SINGLE PAYMENT, NOR OPENED THIS LOAN. This creditor can not show proof of 1 single payment, or deposit of a payment, because there was none never made. This is not my account. I would like an immediate investigation and for this account to be removed ASAP. 

It is the agencies responsibility to ensure that all the information is reporting accurately, and under the FCRA, this is not.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and never contacted me and ruined my credit and this is illegal i contacted my lawyer and he said to call the creditors and ask for contracts and signatues to at least know who did this to sue them and no response and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose here is the 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

XXXX  University hired   XXXX   XXXX   XXXX   to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to   XXXX   XXXX   XXXX   on  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with Equifax. They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since   XXXX   XXXX   XXXX    . Please see attached document
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-17
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. (GA)

Upon reviewing my credit report, I discovered the following unauthorized inquires CREDIT TECH Miscellaneous and public record 10/11/2024 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these companies to check my credit report. These inquires were made without my consent, in violation of the Fair Credit Reporting. I am requesting immediate removal of these fraudulent inquires from my credit reports.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
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. (UT)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-05-17
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 did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} XX/XX/
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a credit card with Capital One and had been paying off the balance in full to increase my credit score. I had this card for about a year before I had to move to the XXXX XXXX XXXX XXXX for a new job. The sale of my house in XXXX, where I was moving from, had a few bumps in closing. For a few months, I had to pay for my XXXX home mortgage and my XXXX XXXX rent, which was almost twice as much as the mortgage. My savings dried up and I had to rely on my credit card from Capital One. 

When I finally got my head above water, I found myself 6 months behind on that card with a balance of {$7300.00}. This was my fault and I accept the responsibility of letting this card default. 

On XX/XX/XXXX, I called Capital One to fix this. I was told that there was no way for me to partially pay of the balance and be able to continue to use this account. I asked if I could settle the account for less than what was owed. After some back and forth, I agreed that I could pay {$5000.00} of the balance in order to settle the account. I was told the remainder would be written off as " bad debt ''. I paid this amount through my mobile app on the same day after getting off the phone with their customer service. My part was done. 

I did not receive a letter from Capitol One confirming the account had been settled. They did not call me or send me letters regarding the amount that would be written off as " bad debt ''. Unfortunately, I was not great at monitoring my credit at this time and did not see that Capitol One never closed this account. 

On XX/XX/XXXX, I was woken up by a person banging on my door trying to serve me. I answered the door and the man informed me that Capital One was suing me for the amount of {$2800.00}. 

Since then, I have done some research on Capital One. They sue their customers more than any other bank and for amounts less than {$1000.00}. I have been forming my response to the court and will send it off shortly. 

I also called Capital One and the people I spoke to were also surprised that the {$5000.00} payment was not a settlement payment. I was told that they are looking into this but I am not sure what will come of that. 

Is there anything else I can do to fight this? I'm not trying to take something that isn't mine and I did my best to resolve the situation with Capital One at the time. I went through their processes and contacted their channels to solve this.
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit profile. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for a removal they also violated my rights. 

15. U.S.C 1681 section 602 A. States I have 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 written instructions. 

Also the credit bureau took more than 30days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX VALIDATION AND CEASE AND DESIST Collection agency name : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. 
I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received notification via email on XX/XX/XXXX from Capital One that my credit card account was closed due to inactivity and responded that I did not want the account closed. I planned on making a significant purchase with this card in the next month. The closure of the account caused a drop in credit score and significant loss of credit line. I contacted Capital One via phone on XX/XX/XXXX to see if the account could be up and running again and was told no, the account is permanently closed and nothing can be done.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian, and XXXX continue to report incorrect information on my credit report for the account listed as XXXX  XXXX Account # : XXXX. There are several inconsistencies within the account which means this account has not been properly verified. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX balance : {$1600.00} {$0.00} {$0.00} High Credit : {$1600.00} {$1600.00} {$0.00} Credit Limit : {$1400.00} {$1400.00} {$0.00} Past Due : {$1600.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Late 120 Days Unknown Last Reported:XXXX XXXX XXXXXX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-17
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: EQUIFAX, INC. (TN)

XXXX XXXX claims I owe them money. They refuse to remove their account from my credit reports. However, I requested debt validation. They sent me a letter via mail on XX/XX/year> stating they are " unable to fulfill your request. '' How do I owe and am responsible for a debt they have no record of?
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

I received an email that I have opened a Chime account, which is false. I am also receiving text messages, so somehow they also got my cellphone number. Customer service number sends me in circles as I do not have an account and the associated Chime account information is necessary to speak to a person. At this point, I have left the account as it stands. After reading numerous comments online, Chime will not close the account, anyway. Something needs to be done about these " financial '' institutions such as XXXX and Chime. Get the FBI involved!!