davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (IN)

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX,
Consumer complaint received 2023-08-23
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX, Under 15 USC 1681A ( 2 ) Exclusion report containing information solely as to transactions or experiences between the consumer and the person making the report Under 15 USC 1681 section ( 602 ) States I have a right to privacy Under 15 USC 1681 section 604 ( A ) Section ( 2 ) States a consumer reporting Agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( b ) Creditor may not treat a payment under a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

I am a victim of the XXXX data breach. Caine & Weiner contacted me via a letter XX/XX/, about an alleged debt I have no knowledge of. I disputed the entire debt amount of {$510.00}. Not only did I dispute the alleged debt and notify Caine & Weiner that the debt did not belong to me, I also asked Caine & Weiner to provide me with specific information pertaining to the alleged debt as required per the FCRA. Caine & Weiner did not provide me with the pertinent information and is continuing to attempt to collect on a fraudulent debt and is negatively reporting this fraudulent debt to all three Consumer Reporting Agencies, resulting in my credit score decreasing almost 30 points. Please have Caine & Weiner remove this fraudulent alleged debt immediately and pay remedies to me for violation of the FCRA laws listed in supporting documents. I have filed an identity theft report with the FTC. I will also file a police report with law enforcement, a complaint with the XXXX and State of Attorney General then file suit. Please see all supporting documents attached.
Consumer complaint received 2024-04-04
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to investigate this account below : XXXX Account # XXXX I don't have the full account number because this is all the credit bureaus are showing. 

I file a complaint with the CFPB back in XXXX. Looks like the Account came back as verified from TransUnion. 

Did TransUnion provide proof? 

How did transunion verify this account with XXXX? 

I literally have the email from XXXX saying this account is falsely reporting to my credit report. 

So TransUnion is not telling the truth. There is no way to verify the account as my account because I have never had a car with XXXX. 

Below is the supervisor name, email, and phone number. You can contact him to verify this account is falsely reporting to my account. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX x XXXX XXXX Attachments show information from the supervisor/manager to me. The email clearly stated that the account was falsely reporting to my credit report. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 )
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (TX)

Please delete the following addresses as they are incorrect and I haven't live there : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX. 

Please delete the following employers as I have never worked there : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. 

Please delete the following inquiries as I didn't authorize these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please delete the following addresses as they are incorrect and I haven't live there : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX. 

Please delete the following employers as I have never worked there : XXXX XXXX  XXXX XXXX, XXXX XXXX. 

Please delete the following inquiries as I didn't authorize these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
Product: Credit reporting 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. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upgrade, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to FCRA 605B, we're required to expunge any erroneous accounts from my credit report. Could you double-check the documents? Several listed accounts are inaccurately reported, with discrepancies in amounts and dates.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/23 I sent to Equifax, XXXX XXXX, and XXXX an Exclusion of a Credit Report to their Dispute Department because they are inaccurately reporting late payments. I received nearly 2 months later a notice that my credit report has been updated with no clarification on what has been updated. Pursuant to 15 U.S.C 1681, Consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of my information.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-23
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. (IL)

XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information on my credit report
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

After reviewing my credit profile on XXXX  | identified a discrepancy with account listed under ATLANTIC FINANCIAL and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/ there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2023-05-07
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit acceptance is the company that has mislead me with the paperwork at signing. I was not suppose to be an owner or co owner of the vehicle that was purchased from my ex. I only gave my ex a vehicle to trade on for his new vehicle and was only told that I was signing the paperwork for that paperwork and in fact the company forged my signature on multiple paperwork
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX reviewed a copy of my credit report and noticed this account and the following inquires do not belong to me. I am a victim of identity theft : Inquires : XXXX XXXX
Consumer complaint received 2022-12-07
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022 ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$860.00}.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

This company still has not : - sent proper and complete documents and all accounting regarding this alleged debt - debt has never been verified/validated - provided a contract in which I owe the anything This company is company is still reporting/trying to collect this debt AFTER the statute of limitations per Florida 's SOL and is reaging the alleged debt on the credit treport. 

They continue to willfully violate my rights under the FDCPA and FCRA and have not complied. They are providing a contract with a second party that has NOTHING to do with them. They are playing games and this is defamation. 

This company has my private information and I never gave it to them - identity theft.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I purchased my flight with Chase through Chase Rewards. Directly after paying for the flight, I received a message that my flight schedule changed. When I had originally bought the ticket, it showed a later departure time, but directly after purchase the departure time was earlier. I know that a different time was shown pre-purchase because I am traveling from XXXX, XXXX to XXXX, XXXX. Due to XXXX 's active full-scale invasion of XXXX and XXXX of critical infrastructure, XXXX now has no functioning airports. Therefore, it takes me over 16 hours to reach XXXX. I would have never bought an earlier flight, XXXX XXXX was the new shown departure time, because I know the schedule of the limited trains that leave XXXX for XXXX. I would never be able to make a XXXX flight so I would have never purchased it. Additionally, I have proof that Chase informed me of a flight schedule changed which remained on my Chase rewards dashboard for weeks after the purchase. When I contacted Chase, they said they called the airline and there was no itinerary change. This is probably true ; however, the issue was not with the airline, rather with the Chase rewards system/dashboard. Chase refuses to reimburse me and when I tried to change the flight, they only offered prices that were significantly higher than on the airline 's website. Additionally, when I called Chase rewards customer service, following a heated conversation of frustration, the customer service representative sent me more than approximately 30 emails with my trip overview in direct retaliation for our discussion. Of this, I also have proof. I have lost XXXX USD, received horrendous customer service who spammed my inbox in response to the phone call, and I believe Chase proposed inflated prices for a flight change. A flight that costed XXXX USD they proposed to me for {$1200.00}. I kindly request this issue be reviewed, I would like Chase to reimburse me, and I am happy to provide proof. To this day, the only recognition of guilt reimbursement they provided was XXXX credit points which are XXXX USD, when I lost XXXX USD worth.
Consumer complaint received 2023-08-23
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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