davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. XXXX XXXX XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (PA)

An unauthorized Chime account was opened in my name and the account information and a debit card was mailed to my home address. I received this on XX/XX/23. I contacted Chime via telephone on XX/XX/23 and was advised that an account was indeed opened and was now closed. When I asked to speak to the fraud department, I was advised the only method of contact was to send an email to XXXX which I did.
Consumer complaint received 2022-12-06
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. (MT)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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
Consumer complaint received 2018-12-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have called Experian 3 times today is impossible to speak a live agent Company has 4 options non of them applies to my question On the company contact is no customer service email for contact or contact form for my request My request to Experian, is the following I want to know about a credit card that is affecting me and need proof of credit card.

Please get back to me soon as I need this information withing 7 business days from Experian via email Thank you
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: EQUIFAX, INC. (NV)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} or XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (CA)

On XX/XX/XXXX, we sent an insurance check of {$5500.00} to XXXX XXXX. According to their company policy for checks under {$10000.00}, they are to endorse and return within 5 days after receipt. They received the check on XX/XX/XXXX. I received a phone call today asking the loan number that this check applies to. However, this loan number is written on the face of the check. The representative said that management is confused and will not release the check. 

Previously for a separate insurance claim, XXXX XXXX did the same thing of sitting on checks and refusing to release the funds. This previous issue extended over a period of 3 months, wherein they refused to release over {$70000.00}. It wasn't until I processed a complaint that they released the funds. For this reason, I am filing a complaint now so that Paramount doesn't have a chance to draw this out for 3 months as they did before.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2020-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IN)

I have disputed this account with the company and bureaus on : XX/XX/XXXX and XX/XX/XXXX. I have asked removed the account from my bureaus due to this is error on the hospital. I had 2 health insurance which cover all cost and the hospital did not run my second one. I informed the hospital on XX/XX/XXXX and at that point is was too late to for them to run the claim with the insurance company. They said they will take care of it and use financial aid per the customer service representative in the billing department. They have removed this account from XXXX  on XX/XX/XXXX.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are multiple inaccuracies showing on my credit report. I have tried to fix this problem with the credit bureaus however after a couple of days they close my dispute as if they looked at it with really verifying the information. 

I am including the below inaccuracies as I seen them showing on my credit report Accounts Bankruptcy- I have never filed Bankruptcy and the clerk of the XXXX XXXX XXXX sent me a letter saying they never confirmed to any credit bureaus that the bankruptcy belonged to me XXXX account number n/a balance XXXX XXXX  XXXX account number n/a balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, NV XXXX
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX- XX/XX/XXXX.
Consumer complaint received 2023-06-19
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. (FL)

This is an unfair system that should be ignored and taken advantage of, even though malpractice breaks many laws. The severity of not taking my situation seriously has resulted in financial harm, defamation of character and a 60 -day silence.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00}
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, -Late/Closed-Late Dates : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}
Consumer complaint received 2022-12-06
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX  credit bureaus to validate This account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX  are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor..It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$15000.00}
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax problem from previous complaint, that all 3 burueus we're showing XXXX XXXX {$120.00} past due, not paid. I mailed them all in receipt showing paid, just so they'd update paid in full. Not completely remove it, and Equifax customer service person said now I don't have a Equifax score, they also took off a repo car that was only a 2yr old dept. Causing me to have a XXXX score, can't qualify for apartment, they all run through Equifax. They wouldn't transfer to supervisor, said no such dept, or escalation dept. Said if I want a score and those depts put back to contact those company 's and have them add it back to credit.i doubt they can do that and car company I don't know the info to call as they shut down after covid. My XXXX score is XXXX XXXX XXXX so how am I a XXXX or no score with Equifax. They were rude, unhelpful. I rent a room so I have no bills in my name, and my past dept even though not good at least registered a score, and they say they can't undo or add it back. Please help.
Consumer complaint received 2022-12-10
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. (NY)

In accordance with the fair credit reporting act ( US CODE SUB CHAPTER 3, 15 USC, 1681, section 604-A ) The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 usc 1681 : XXXX XXXX account, account closed XX/XX/2015 ( XXXX ), XX/XX/2015 ( Equifax )
Consumer complaint received 2023-08-12
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are all inquiries on my report I did not authorize or have knowledge of. 
Under 15 US Code 1681b you need permission to report on my CONSUMER report
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-08-12
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX is reporting a hard inquiry from XXXX XXXX from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX XXXXXXXX and reported to XXXX and also removed by XXXX and also credit karma. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, XXXX XXXX, and credit karma as reference and proof!