davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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)

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 items 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, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
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: EQUIFAX, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NH)

On XX/XX/XXXX I bought a prepaid vanilla card to buy ski tickets it would not process so i called vanilla multiple times trying to activate or get info on my card to use it on the loon mountain resort site the card will not process no matter what solution I find
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX , XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-02-05
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: LEXISNEXIS (FL)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (CA)

After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX Credit Card account # XXXX opened on XX/XX/2020 XXXX XXXX  Unsecured loan account # XXXX opened on XX/XX/2020 XXXX XXXX XXXX Auto Loan account # XXXX opened on XX/XX/2020 Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ).

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NJ)

On a recent credit check I noticed two credit pulls that I did not authorize from Comenity Bank after a credit alert was placed in XXXX of 2022 when someone opened a XXXX XXXX account with my information and a savings account with XXXX  XXXX. All of the companies mentioned were notified that these accounts were done fraudulently and police reports were filed.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (TX)

Filing a complaint against XXXX. On XX/XX/XXXX sent a letter to dispute inaccurate inquiries. The credit company are not complying with their own policies in a timely manner. The company refuses to delete the inquiries.
Consumer complaint received 2023-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a complaint with an ID theft report to TransUnion on XX/XX/23. XXXX had 4 days to block the fraudulent inquiries and they are still on my credit report. They have extended the complaint response time to the CFPB, which is fine, but they still have to follow FCRA block procedures. I identified the fraudulent information, I provided ID, and I provided a valid ID theft report, so the fraudulent inquiries must be blocked. Please make XXXX  follow the law within the FCRA specified timeframes. 

XXXX took care of this right away but not XXXX.
Consumer complaint received 2024-03-12
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. (CA)

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Consumer complaint received 2023-01-19
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. (TX)

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 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 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (VA)

Acura Financial Services phone # XXXX, have reported to all credit bureaus my account 30 days delinquent in XXXX twice, I have never been 30 days past due for this account, loan paid off back in XXXX. I spoke with XXXX from call center on XX/XX/XXXX and he reviewed account with supervisor XXXX, yet he was unable to provided me with supervisor contact information because they do not take calls which seemed unprofessional. I tried to refinance my loan with XXXX XXXX XXXX XXXX and was denied simply because I seem to be a risk due to XXXX fault.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft and now somehow a have judgement against my social security number. I have no idea what this loan is for and have never been served paper work regarding this. Somehow this bank opened up an account without my permission, I never had any type of medical procedure with them. I believe the performed a procedure on someone else and then used my credit illegally to finance it. In my opinion they took advantage of me years ago as a young person, of XXXX background and somehow opened up a line of credit illegally. 

XXXX XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who were involved here are all crooks and should not be allowed to open accounts under people 's names illegally.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX XXXX XXXX XXXX -NO RESPONSEFROM : Transunion XXXX XXXX and XXXX or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( TransUnion, XXXX XXXX and XXXX XXXX ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( TransUnion XXXX XXXX and XXXX ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Mediation Service (OR)

Last year I started receiving magazine subscriptions. I thought it was strange as I had definitely not ordered these but they had my name on them. I did not receive a bill or any communication as to why I was receiving these magazines so I didn't worry about it. Then I received a phone call today from Southwest Mediation Services. They informed me that they were calling on behalf of XXXX XXXX. XXXX XXXX stated that I was in breach of contract, that I had received goods and services ( the magazines ) had not paid for them and that I was now in breach of contract in excess of {$1000.00}. I stated that had never ordered these magazines or agreed to pay for them. The mediation company stated that the 'proof ' was of a recoding of me agreeing verbally to this contract through a phone call from XXXX XXXX. I did not receive this phone call or agree to these terms and they could not provide this 'proof ' over the phone and were only calling in attempt to collect on this debt. I refused to interact further and ended the conversation.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The credit reporting agencies XXXX, XXXX and TransUnion is reporting a Closed XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened on XXXX XXXX Dept Of ED/XXXX account # XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX XXXX XXXX account # XXXX opened XXXX XXXX XXXX account # XXXX Opened on XX/XX/XXXX XXXX
Consumer complaint received 2023-01-13
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 continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major  credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Consumer complaint received 2022-05-20
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. (CA)

I AM HAVING A PROBLEM WITH MY XXXX XXXX CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR HELP.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX is reporting a balance on an account that should not be there. This was paid off when they took from my taxes in order to do so. This should not have a balance and should not be reporting a charge off to my credit report.