davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I've dispute certain information present on my credit reports provided by TransUnion and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( e ). I request a thorough investigation into the discrepancies and the prompt removal of the disputed items. They still continue to report this on my credit report. This was closed on all three Credit agencies and then place back on my credit report without notification. 

Upon reviewing my credit reports obtained from TransUnion and XXXX, dated XX/XX/2024 I have discovered that child support obligations have been inaccurately included in my credit history. As per 15 U.S.C. 1681 ( e ), child support obligations do not belong on my credit report, as they are not considered debts owed to creditors. 

I understand that consumer reporting agencies are required to maintain accurate and up-to-date information on consumer credit reports, and including non-credit related information such as child support obligations is a violation of federal law. 

Therefore, I am formally disputing the inclusion of child support obligations on my credit reports and request their immediate removal. I request that TransUnion and XXXX conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to rectify this error. 

In accordance with the FCRA, I request that both TransUnion and XXXX provide me with written notification of the results of the investigation and any actions taken as a result. Additionally, please provide me with an updated copy of my credit reports reflecting the corrections made after the investigation is complete. 

I trust that you will take the appropriate action to rectify this error and ensure the accuracy of my credit reports.
Consumer complaint received 2022-12-08
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates (IA)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-18
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 regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
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. (GA)

IN XXXX  MY WHOLE PURSE WAS STOLEN OUT OF MY CAR POLICE REPORT IS ATTACHED MY SSN HAS BEEN COMPROMISED CREDIT INQUIRES WERE ESTABLISHED WITHOUT MY AUTHORIZATION CELL PHONE BILLS FROM XXXX & XXXX ARE ON MY CREDIT REPORT, INQUIRY FROM XXXX XXXX XXXX XXXX, XXXX XXXX, Someone even tried to purchase a home using my identity Please remove the items a police report is attached ty
Consumer complaint received 2022-12-08
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. (MO)

ThIs is NOT a duplicate or a copy...... please read There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 



XXXX- Acct # XXXX XXXX XXXX XXXX XXXX ADDRESSES THAT ARE NOT MINE!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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. (MO)

I am formally request for the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile and are still appeared. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent inaccurate address and inquiry that are needs to be remove : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX date of inquiry XX/XX/XXXX.
Consumer complaint received 2023-08-18
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. (NC)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
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)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-18
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. (CA)

I've found that my credit report has erroneous information multiple times, including 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 removal 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
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-03-20
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. (NJ)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-11-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (NY)

Equifax Has the wrong information on my credit report I try to remove it it's not allowing me to do it And this is hurting me cause Causing me to have bad credit and for me not to get alone I am trying to remove the wrong addresses and the wrong date of birth this is crazy
Consumer complaint received 2023-09-29
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (MS)

The responsible party for the vehicle is the owner of the account but they keep garnishing my pay wages when I have asked for the account to be closed after 7 years of reporting. Its old and still affecting my credit.
Consumer complaint received 2023-06-26
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. (UT)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
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. (SC)

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


XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX  XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX XXXX 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 2022-12-06
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: CITIBANK, N.A. (CA)

I purchased an airline ticket from XXXX for flight to XXXX via XXXX XXXX on XX/XX/2022 using Sears Mastercard Citi bank. However due to a negative XXXX test I had to cancel and reschedule on a different date. I was assured by the travel agency that I would be reimbursed. I flew to XXXX and came back on XX/XX/2022 and found that I was charged 3 tickets {$1200.00}, {$1100.00} and {$1100.00}. I called the travel agent and have complained about the charges, called the credit card company regarding the extra charge and they reversed the charges. However a month later, I get 2 charges back on my credit chard {$1100.00} and {$1200.00}. The travel agent claimed that this was for taxes even though they were supposed to reimbursed instead. I submitted proof of XXXX test and still to no avail and even the credit card company would not reverse the charges. It's been 6 months without resolution and I'm having a hard time paying the credit card for these erroneous charges I filed a complaint via XXXX  and citi bank credit card charges me 28 % interest on those charges and still no resolution to this day. I'm hoping that this can be resolved through your agencies assistance. I filed complaint charges with Citi bank and until today XX/XX/2022 this issue has yet to be resolved.
Consumer complaint received 2023-08-18
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. (GA)

I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency 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 yeors.

15 U.S.C. 1681s-2 ( AJ ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is ineccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXXXXXX XXXX  XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX  XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXX
Consumer complaint received 2021-03-20
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 (NJ)

Kohl 's, for second time, during the pandemic has reported me as late! Most recently ... XX/XX/XXXX I paid {$200.00} and then XX/XX/XXXX paid {$150.00}. which was for XXXX 's payment. I checked my account and it stated XXXX due. I never received an email or call before it would 30 days late. I received a phone call yesterday XX/XX/XXXX asking why i missed 2 payments????? I had no idea i missed 2 payments. I paid XXXX 's payment EARLY as to not get a late on my credit report.. Looking at my account minimum payment for XXXX was {$27.00}. I paid {$150.00}!!!!!!!!!!!!!!!!!!!!!! on XX/XX/XXXX. EARLY!!!!!! AND XXXX was due XX/XX/XXXX. I received a call yesterday XX/XX/XXXX. I was not 30 days late! Kohl 's has very bad consumer practices and should held accountable! Late payments have profound affects on consumers financial stability and life. This should not be allowed! or tolerated. I will go as far as i can to protect the next consumer from this happening again!
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I contacted Comenity/Victoria and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, XXXX and XXXX.