davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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. (MN)

I know yall tired of me but everyday while they thinking theyre keeping me from finding out why the person from experian stole my account an ide I sent yall the email where it shows my email got changed to experian.com so now Ive got to pay for all these credit monitoring and identity protection people so now Im gon na show a date where I screenshot my account with experian I had only one open account but since Ive been locked out I now pay for other credit monitoring and theres another account on my credit report that has nothing to do with me youysaying youre sending the complaints in obviously theres nothing being done Ive been begging and begging for help filed identity theft with the government I said before anybody help or do something someone is going to destroy my name even after Ive cleaned up my credit reports an improving my scores Im getting XXXX the companies that are suppose to be protecting us where is the help Ive repotsnd gave XXXX proof that my account was hijacked an identity stolen by someone in experi what its gon na take me constantly getting my XXXX XXXX up until I have another  XXXX where is our support system against these deceptive bureaus so please tell me now its time to lawyer up cause consumers obviously doesnt have the support we need as long as this is not happening to some people we have to sufysnd fight these bureaus alone the person that stole my identity from experian changed my birthday to XX/XX/1968 also my username an email address an also changed my address sending a copy of that also
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to identity thefts fraudulent paperwork tampering with records XXXX XXXX XXXX XXXX XXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXXXXXX XXXX XXXX XXXX XXXXXXXX an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Date of XXXX I reached out to TransUnion and filed a report to dispute an unauthorized and unapproved information on my credit account. 

I have been informed by TransUnions customer relations team. 
That they have completed there investigation and found that this unauthorized bankruptcy does belong to me. 

After I provided them with proof that it does not. And after me disputing this item. 

I have been advised that I will have to dispute this unauthorized bankruptcy item again. 

I am currently trying to file my dispute through TransUnions website and I have been advised that I have to wait XXXX minutes prior to me being able to file my dispute through TransUnions website. 

Please see attachments please and thank you. 

Thank you Best and kind regards I XXXX XXXX XXXX certify that I served a copy of this complaint to the appropriate addressee by depositing the same in the United States with proper postage prepaid and properly addressed or by email in accordance with the Administrative Procedure Act, 5 ILCS 100/10-25, Section 10-75, on XXXX, XXXX Thank you Best and kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NV)

I want out of my loan my car was stolen twice due to the lack of engineering of Kia and I have paid so much out of pocket and still trying to pay my loan to current. I also have a house hold to take care of and want out of my loan. I have called Kia and told them this matter and they offer no help at all
Consumer complaint received 2023-08-03
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. (IL)

ive done everything you guys require and still nothing is deletd ive filed polie report ftc report complained to XXXX and still you guys look at my complaints as unfounded i want inquiryies on my report investigated and deleted i have no cards in date ranges indicaied so they are fraud and should be deleted
Consumer complaint received 2021-02-05
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: Bread Financial Holdings, Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Department of EducationXXXX, Comenity Bank/Victoria, and XXXX XXXX XXXX  XXXX. The Account Opened is Department of Education/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. The Account Opened is Comenity Bank/Victoria Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 JPMorgan Chase Bank Consumer Relations Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiries on My Credit Reports Dear Sir/Madam of Chase , I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit reports, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that JPMorgan Chase Bank ( JPMCB ) promptly remove these inquiries from all three of my credit reports. 

Upon reviewing my credit reports, I discovered that two hard inquiries were made on XX/XX/2023, and XX/XX/2023, respectively. I would like to emphasize that I did not authorize these inquiries, nor did I have any prior knowledge of them. These unauthorized inquiries not only impact my credit score but also raise concerns regarding potential fraudulent activity. 

As evidence of these unauthorized inquiries, I have attached screenshots of my credit reports clearly showing the details of the inquiries. I kindly request that you thoroughly review the attachments to understand the unauthorized nature of these inquiries. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for these inquiries, I believe they are in violation of this provision. 

I kindly request that JPMCB immediately investigate this matter and take appropriate action to remove the unauthorized hard inquiries from all three of my credit reports. I also request that you provide me with a written confirmation once the inquiries have been removed. 

I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-08-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

XXXX5 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 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
Consumer complaint received 2023-07-01
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. (ID)

in accordance withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
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. (CA)

I am a victim of an identity theft, someone stole my information and opened a fraudulent account under my name. I have tried to fix this issue with the bureaus, I have tried to fix this issue directly with XXXX XXXX but no one seems to care. I have gone to the police and to the federal trade commission. At this point I am loosing my mind because i don't know who else to go to to get this fraudulent account from my credit report. Someone stole my information and opened this fraudulent account under my name.
Consumer complaint received 2023-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. CREDIT CARD COMPANY HAS ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS ON MY CONSUMER REPORT AS A CHARGE OFF. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB.
Consumer complaint received 2021-12-23
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. (IA)

I have no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately.
Consumer complaint received 2023-07-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Last week when applying for a home loan, I was asked about a closed XXXX XXXX account with a balance of {$980.00}. My XXXX XXXX account has a balance of about {$400.00}, so I was confused and called synchrony bank to have the problem resolved. Synchrony bank used my social security number ( SSN ) to try to identify the account and said they could not find it. I then had them look under my husbands SSN, and they said they could see the account, and that he had paid off/closed it. They would not send me any information on the account because they said my SSN was not associated with it, and that I wasnt even an authorized user. So I asked if they could notify the credit bureaus to have it removed. After ending the call, I also filed a dispute on the account with TransUnion and XXXX. A few days later, my husband received a letter from XXXX XXXX saying they had updated the account and alerted the credit bureaus on his behalf. 
Today, I received notification from TransUnion that they had finished the investigation on my dispute, and that XXXX bank had found the information on my credit report to be accurate. So I called XXXX XXXX to figure out what happened, and this time they were able to find an account with my social for the exact same amount. When I tried asking how no one could find the account last week and asked for someone to pull up the recorded call, I was hung up on. This account was apparently closed in XXXX, and XXXX has continued to report it as 90+ days late for the past 4 years.
Consumer complaint received 2023-07-01
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. (NY)

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. 

Account name : 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

ive recently check my credit report and ive seen damaging inaccurate reporting i have a closed account thats reporting on my Trans Union account and also my XXXX account that is incorrect and i want it removed.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I rented a car from     XXXX   XXXX   XXXX   o n XX/XX/XXXX . I e xtended the ren tal three  times over the cours e of four  weeks. I extended my rental on three separate occasions. Each time I extended my rental I was told by  XXXX  they would be putting a hold on my account that would be applied to my final balance when I returned the car. I checked on my account i saw the holds that were applied each week. However when I returned the car there was insufficient funds in the account. Therefore my account was overdrawn by approximately {$650.00}. I called  XXXX  to see why the hold on my account were not applied to the bill. I was told my bank had to release the funds. I check my account the holds were no longer showing. I wen t to two s eparate Chase branches and I was told there was never any holds on my account, there is nothing they can do and I need to be more careful with my money. I called  XXXX  while in the bank and they gave my the dates and amounts of the holds.  XXXX  also told me if I had chase call they would give them the authorization code to release the the holds but the associates at  Chase r efused. The  XXXX  holds were  on  XX/XX/XXXX  for {$260.00},  XX/XX/XXXX  for {$270.00} and XX/XX/XXXX  {$220.00} totaling {$760.00}
Consumer complaint received 2023-07-01
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. (TX)

My numerous phone calls to all the credit bureaus, including TransUnion, informed them that my only telephone number is ( XXXX ) XXXX. The TransUnion LLC company recently added some other person 's phone number to my credit report personal information.

Please force the TransUnion LLC company to immediately and permanently remove the telephone number : ( XXXX ) XXXX, from my credit report personal information. 

Please force the TransUnion LLC company to verify a match with the account holder 's name and social security number of the Telephone Carrier of all new phone numbers they try to add to my credit report personal information.
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

National Credit Systems PARKED a bill that I paid XXXX in full per settlement agreement amount XX/XX/2020, on all 3 credit bureaus. I have reported to your department as well as FTC with the transaction from my bank account. However, I was unjustly served. So today XXXX, Im going to provide I did pay this bill in full with the statement letter enclosed with paid in full terms and the confirmation number. I demand my rights to correct Credit reports be upheld. Please have this item removed immediately from my all 3 credit reports.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been trying for months to get this account off of my credit report. I have sent in XXXX disputes along with proof that it is myself requesting the account to be removed. I have requested a full file disclosure and not received.
Consumer complaint received 2023-07-01
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. (PA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15USC 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 7 years. 
15USC 1681s-z ( 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.