davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (IL)

Personal Statement I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERN BY 15 USC 1681, THEY VIOLATED MY RIGHTS PLENTY OF TIMES. I DEMAND THE INQUIRIES LISTED BELOW BE REMOVED, ACCORDING TO 15 USC 1681 ; I HAVE THE RIGHT TO PRIVACY, I DID NOT GIVE TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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 XXXX 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received Transunion response today about the bankruptcy issues. They stated that they verified it with The United State Bankruptcy court which is a lie because they don't report any bankruptcies. XXXX can't verified the Bankruptcy either. So where are they getting they information from? I talked with XXXX and they stated that they sent out the alert about moving the bankruptcy be they never complied to their instructions. Please see the attached documents. Someone is lying and its isn't the courts nor XXXX. XXXX told me to ask you all to provide the correspondence that Transunion had with them. So I can provide the correspondence to XXXX XXXX. According to XXXX XXXX its law for Transunion to provide documents as they stated in their response. I talked with the Bankruptcy secretary and she stated that some. She asked me to ask you all to provide her signature and correspondence that you all proclaimed she verified the account as accurate. Please remove this inaccurate information from my credit report. Please see the attached documents.
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Levy & Associates, LLC (OH)

XXXX XXXX XXXX XXXX XX/XX/22 {$1600.00} I have informed this company/firm that I do not owe any debt to them. I have sent them Cease & Desist letters 6 separate times. They have filed a lawsuit against me for a garnishment from my financial institution. I have informed them numerous times that I receive Social Security Benefits and that my entire account is EXEMPT.
Consumer complaint received 2024-03-26
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 urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. I was never late in XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anu purpose. I request to have this account updated to paid on time.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello my name is XXXX XXXX. I was on the phone with a XXXX colleagues at XXXX central time, XX/XX/2024. We talked about how XXXX is reporting inaccuracies on my credit report by saying I missed XXXX and XXXX payments. But I got bank statements to prove XXXX subtracted the funds out my account both months. A XXXX employee talked to a supervisor then they gave me this email to attach my proof and statements. Also I was informed by XXXX when I show proof you guys will removed the late payment ASAP. This is really hindering me because my credit is being affected for mistakes XXXX did. XXXX  dont answer the phone nor respond back to any emails.
Consumer complaint received 2024-03-28
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. (MO)

This is my several endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-07
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)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I AM A VICTIM OF IDENTITY THEFT BY A WOMAN I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HER STAY WITH ME FOR 5 MONTHS. I FOUND OUT THAT SHE HAS DONE THIS TO ALOT OF GUYS LOCALLY AND WILL GIVE ALL OF THE GUYS SHE'S TALKING TO INFORMATION TO HER ACTUAL BOYFRIEND AND THEY'LL SCAM PEOPLE. I NEVER REALLY USE MY CREDIT MUCH BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKE WITHIN THE NEXT 3 DAYS. 

FRAUDULENT 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-15
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: CL Holdings LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-03-28
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)

I am sending this complaint to address a persistent and troubling issue regarding the incorrect reporting of late payments on my credit report. Despite my numerous attempts to resolve this matter, I have yet to receive a satisfactory response, prompting me to formally dispute and request the prompt removal of these inaccuracies. 
I have been diligently working to rectify this issue, and it is disheartening to see that my previous efforts to communicate and correct the inaccuracies on my credit report have been unsuccessful. I am perplexed as to why my requests have seemingly been disregarded, particularly given my status as a victim of erroneous reporting. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (VA)

XXXX XXXX. I received a notification that there was a hard inquiry from XXXX XXXX on my credit report. I do not have an account or never attempted to open an account there. I have reported a similar issue with the Federal Trade Commission.
Consumer complaint received 2022-12-20
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. (IA)

I AM A VICTIM OF IDENTITY THEFT BY A WOMAN I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HER STAY WITH ME FOR 5 MONTHS. I FOUND OUT THAT SHE HAS DONE THIS TO ALOT OF GUYS LOCALLY AND WILL GIVE ALL OF THE GUYS SHE'S TALKING TO INFORMATION TO HER ACTUAL BOYFRIEND AND THEY'LL SCAM PEOPLE. I NEVER REALLY USE MY CREDIT MUCH BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKE WITHIN THE NEXT 3 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX BANK AUTO : ACCOUNT NUMBER : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX NAMES : 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 2022-12-20
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. (ID)

I have on requested documentation of the information each consumer credit reporting company used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded by either saying they don't understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 

Each company was sent a copy of the attached 3 letters ; one sent in XXXX, one in XXXX, and one in XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (NY)

XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this from my credit report.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have on requested documentation of the information each consumer credit reporting company used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded by either saying they don't understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 

Each company was sent a copy of the attached 3 letters ; one sent in XXXX, one in XXXX, and one in XXXX XXXX XXXX
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (ID)

When they try to collect on the loan I try to set up repayment with loan with their collection department which was XXXX XXXX in XXXX Idaho when we offered to sell them at a settlement they refuse to contact this back we had XXXX XXXX sent out several emails about the offer no confirmation I made a couple of payments to XXXX XXXX then the collection stopped but they were still applying interest I try to repay again another 2 years with another collection agency we offered to pay XXXX at this time we set up payment arrangements try to contact them to begin to make payments but they refuse to contact his back now the interest is out of control looking to collect on XXXX
Consumer complaint received 2022-12-20
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. (IL)

I sent these credit agencies a certified letter about the inaccuracies on my credit report and XXXX, Equifax and XXXX Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX However I still found that the same inaccuracies on my report
Consumer complaint received 2024-03-28
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. (TX)

I am writing to express my grave concern and disappointment regarding the handling of the many attempts to remove fraudulent items. It is imperative to follow up this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (IL)

I sent these credit agencies a certified letter about the inaccuracies on my credit report and Experian, XXXX and XXXX Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX I still found that the same inaccuracies on my report
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I wrote a check to XXXX California XXXX for {$210.00}. 

This check was intercepted from the mail, washed of the XXXX, part of the amount, and the Memo, to read payable to XXXX XXXX XXXX for {$410.00} and a Memo of " happy Birthday. '' The washed check was cashed by JPMorgan Chase Bank on XX/XX/2022. 

On XX/XX/2022 I reviewed my monthly statement, found the activity, notified JPMorgan Chase, XXXX California XXXX, and the XXXX California Police Department of what happened. The XXXX who came to my home ( XXXX XXXX XXXX XXXX XXXX XXXX  ) completed a report and assigned a casefile number of XXXX. 

Subsequently, in XX/XX/2022 I received notification from the XXXX XXXX ( CA ) District Attorney 's Office that there is a Court CaseNumber of XXXX for XXXX counts against XXXX XXXX XXXX relating to this incident. 

I have been working with the local JPMorgan Chase Bank branch, providing them with updates as I receive them, and the branch manager has also been working to get the {$410.00} reinstated to my account. 

As of my XX/XX/2022 checking statement ( pulled down online today ), the money has not been refunded to my account.