davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

i contacted experian on XX/XX/XXXX to request information on accounts that should not being reporting to my credit. I have giving them more than 30 days and have not received any acknowledgement to my concerns
Consumer complaint received 2023-08-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

transunion has ignored my request to investigated items i have no idea where they came from. The letter i mailed to them XX/XX/22 stated the things i needed fixed but yet to get a response
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information for the second time now.According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have XXXX separate credit cards, Capital One which is a general card, and XXXX which is a store card. A few months ago Capital One took over the billing for the XXXX card and the e-bills that come via email are identical. They make no distinction on the XXXX bill except the credit card number. SO unless I note the number, it appears I am receiving a duplicate bill and it is deceptive. Twice I have been late with the second bill because I have thought I already paid it. It is deceptive for Capital One to NOT LABEL the bill that is for the XXXX account. There is no reason for them to not distinguish between the XXXX. I have asked them to combine both balances and they said they are not set up to do such a thing. This is affecting my credit score and should not be allowed. It is still a XXXX card. I have not received a new card. The billing should still say XXXX.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The company can not provide proof that a debt was owed. Never signed a contract with a debt collection agency. Debt agency has also failed to provide transunion with a signature contract that i have with them to prove that i owe a debt.

The account is also only showing on one credit report which is also a fcra violation.
Consumer complaint received 2020-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Arivo Acceptance, LLC (AZ)

My payment is late 11 days and they are calling me and harassing me and my references. I explained that I would make a payment next Friday. They forced me into setting up a scheduled payment I advised I would just call in and make payment next Friday they refused said I needed to do it now or further action would happen like me losing my car. Im not even 30 day late and I have always made a payment before its 30 days late. The manager XXXX was being very pushy and threatening. I tried to explain what I was gong thru he didnt care just kept going about the payment
Consumer complaint received 2024-04-03
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. (AZ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX XXXX an account was opened at regions bank under my maiden name XXXX XXXX, my social security and my date of birth. I received an email that a new account was opened and thought it was a scam. Then XXXX XXXX  received another email that there was a mobile hold on XXXX that was deposited into that account. I called regions bank in XXXX, Tennessee they told me to come in first thing Monday morning! I went down there told them what I had received and there was an an actual account opened under me. They told me they was going to put a freeze on the account and they didnt they put a hold on it due to receiving another email today XX/XX/2023 that a return of deposit was sending via mail to the address on file. They also told me not to fill out a fraud packet due to me not keeping the account open with regions bank and that they would take care of it and try and find out what was going on! They copied my license. I gave them my number they told me to freeze my credit and I did as soon as I left! The manager called me and said it was fraud activity and they would be looking into it further. Then today I receive the email of the money sent back that was deposited and I called the online help desk and they said that there was a small hold on account but it was not froze.
Consumer complaint received 2024-04-03
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)

I was a victim of identity theft. I notified the credit bureaus and forwarded them the identity theft report ad all identifying information as well as a list of the fraudulent information and they failed to remove the false information from my reports.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (TX)

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}
Consumer complaint received 2023-08-24
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. (PA)

I made an uninformed decision when I entered into a contract with XXXX XXXX XXXX, nor didi give XXXX XXXX XXXX any permission to access my personal information. Identify theft.Only evidence of a debt was the agreement which is null and void because I did not receive any notice stating the facts thereof, was never clear and conspicuous as stated in the federal law 15 usc 1601k. Congress clearly states that an any contract or agreement must be clear and conspicuous. There is no evidence of a debt. I never received any adequate notice stating the facts of this contract ; there for this agreement is deemed null and void.
Consumer complaint received 2023-08-24
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts below are fraud accounts that are added to my credit report and needvto be removed. 

XXXX XXXX XXXX ACCT # XXXX ) - XXXX ( Fraud/Theft ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION ( Fraud/Theft )
Consumer complaint received 2023-08-24
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. (TX)

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

XXXX XXXXs database was compromised and I had {$83.00} dollars stolen from my account by a XXXX XXXX $ XXXXXXXX XXXX XXXXXX/XX/20XXXX XXXX XXXXXXXXXXXX XXXX customer service has yet to respond to my report.
Consumer complaint received 2024-04-03
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. (IL)

Subject : Dispute of Account - XXXX XXXX XXXX To whom it may concern, I am writing to address my deep dissatisfaction and concern regarding the handling of the XXXX XXXX XXXX account

information on my credit report. It has recently come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to rectify these discrepancies. I formally request a comprehensive debt validation process, encompassing the following details : Original Contract : Kindly furnish a complete copy of the original contract between XXXX XXXX XXXX and myself pertaining to the account in question.


Original Creditor : Clearly state the name and contact information of the original creditor associated with this account. Original Open Date : Provide the precise date on which the XXXX XXXX XXXX account was initially established.

Date of Last Payment : Specify the exact date of the last payment made concerning this account.

Date Account Was Closed : Indicate the date on which the XXXX XXXX XXXX account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it is apparent that XXXX has failed to meet its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter.

Failure to comply with this request within XXXX days from the date of this letter will leave me no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter a formal notice of my intention to do so.

I anticipate a timely response, including the requested documentation, to be sent to the provided address. Furthermore, I expect any necessary corrections to my credit report to be promptly implemented. 

Sincerely, XXXX XXXX XXXX and wire fraud, negative status and charged-off accounts, extortion, and lack of validation are issues that need to be addressed promptly.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Revolution Financial Inc. (NM)

1 ) Funds debited to my account without my authorization, and against my specific request ( revoked authorization in XXXX, XXXX ) 2 ) Filed formal complaint with CFPB on XX/XX/XXXX 3 ) Liberty Loans response to complaint is : " that it does not belong to them ''. Reference CFPB complaint number XXXX. 

XXXX ) attached documents here in indisputedly shows that Liberty Loans is the party in question and is the responsible entity. 

XXXX ) Liberty Loans is a predatory lender and work for deceptive practices, even as indicated here in denying responsibility or knowledge of any loan.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights.

15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-07-04
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. (NC)

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 XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2023-06-20
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. (PA)

I sent letters to Experian and XXXX about the wrong addresses reporting to my credit report. 

Experian is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-19
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: Experian Information Solutions Inc. (NY)

Good evening, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and was told i needed a ftc report.I am very frustrated because this is affecting my credit report.I tried to add another fraudulent account to but i couldnt add it. The account is XXXX  XXXX XXXX. this account is as fraudulent. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license and social.
Consumer complaint received 2022-11-26
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)

This is my 3rd 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 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00}
Consumer complaint received 2023-08-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, Transunion, and XXXX to reinvestigate these accounts payment history and remaining balance : Account name : Account name : XXXX XXXX XXXXs, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate and has been verified. But how is that possible if the open date, date of last activity and much more is incorrect. The accounts has been paid in full since XXXX of XXXX. Never missed a payment. I requested documentation ( transactions history, balance sheet ) I was never provided with the requested documents. The information is inaccurate and preventing me from obtaining new employment. If documents are not sent to me or information is not corrected. My next dispute will be for montary compensation of my expected salary. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 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. 

XXXX of my federal rights are being violated by the major bureaus.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK (PA)

Disputed identity theft account on my credit report with XXXX and with a cheese personal loans on the first week of XXXX. XX/XX/XXXX the information was blocked removed by XXXX  and on XX/XX/XXXX this information was verified by achieve personal loans, and placed back on my credit report. Achieve personal loans didnt response to my dispute within 30 days nor did they response to XXXX  within the time frame allowed either to which is a violation under 15 usc 1681a ( 5 ) ( i ) ( ii ).
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There was an issue with my XXXX reporting a lateness which was determined to be fraudulent. Transunion has refused to update and remove the reported lateness from my credit report
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

Account ending XXXX.. Company charged late fees and finance charges totaling {$92.00}. Did not receive statement in time. Once received statement, the account was paid in full immediately over the phone. Contacted company and informed them the balance is in dispute, but they continue to charge late fees and interest on top of preveously charged late fees and interest.