davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (NY)

Victim of XXXX  XXXX security data breach. Currently undergoing XXXX XXXXXXXX data breach settlement case. The inquires listed below are inquiries not initiated by myself nor did I receive a phone call my phone number had been changed and I unintentionally failed to update it with the credit bureaus. 

XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Business type : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (CA)

IQ Data International Inc reported to the credit bureaus that I owe {$4400.00} to XXXX XXXX XXXX  TX. They did not contact me at all, and decided to report this under collections. I'm a victim of an identity theft and have never lived at that apartment. My lawyer has sent them a letter in XX/XX/2024 including my police report and Federal Trade Commission report. As of today my lawyer did not hear from them.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CT)

this is a report against elan financial XXXX Texas I had there rewards credit card from Webster bank it is issued by them, I had lost my card and even reported them but my balance was all time high I told them it was fradulent and my mobile app was locked too they kept charging me with late fees and they didn't help me reopen online banking and said your account is in danger of fraud I told them I need help with online banking they didn't my face id was gone too and they kept hanging up on me and never helped XXXX and told me we are sending your account to collections and reported my high balance to all credit beuaeres including XXXX my credit score dropped from XXXX to XXXX and slowly to XXXX and they assigned a specilist to my cases and told me I will receive a phone call I have not received a single phone call in 2 months I always try to talk to them but they keep switching me and transferring my calls to different department they seriously have 1 star rating online please help me get my score back it would be Great if you guys report or tell this to other 2 beuares. and I hope they don't send my account to collections.
Consumer complaint received 2023-01-24
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. (IA)

In accordance with The Fair credit act XXXX  account number XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX,, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX,, XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is also States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-24
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. (TX)

I have reached out to XXXX, Equifax, and XXXX regarding several inaccuracies on my credit report. I also reached out to the collection agencies that are reporting this inaccurate information but they never responded after several attempts. The issue i have with XXXX, Equifax, and XXXX is they are falsely claiming they have done investigations and I know for a fact, 100 % they have not done any investigating because i also provided them proof of the inaccurate information and they still failed to remove the items. For example : I provided a copy of all 3 bureau credit reports and highlighted the inaccuracies across all 3 bureaus. If all 3 bureaus are indeed performing an investigation and gathering their information from the collection agencies, then there is no reason for all 3 bureaus to have different information ( balances owed, date of last activity, collection accounts that still show open status, late payment/charge off dates all different ). 
XXXX XXXX Acct XXXX shows open status with XXXX, but closed with XXXX. It says account not disputed when I also have proof this account has been disputed several times. 
XXXX XXXX Acct XXXX shows open status with XXXX  and closed with XXXX. Date of last activity shows XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX. This account also says not disputed and i have proof that it has been disputed. 
XXXX XXXX Acct XXXX again shows open status with XXXX, but closed with XXXX. It shows last date of activity as XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX  XXXX XXXX Acct XXXX again shows open status with XXXX, but closed with XXXX. Last date of activity as XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX. 
XXXX XXXX Acct XXXX shows open status with XXXXXXXX  but closed with XXXX. LAst date of activity is XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX. 
XXXX XXXX XXXX is showing as a closed collection account with XXXX  and Equifax but the balance continues to change. Last date of activity is XX/XX/XXXX with XXXX  and XX/XX/XXXX with Equifax. 
With all these inaccuracies, there is absolutely no way these bureaus are conducting fair investigations and i know i have rights as a consumer.This inaccurate information is damaging my credit and causing me to be denied credit and i've already lost 2 job opportunities becuase of this.
Consumer complaint received 2019-10-13
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: EQUIFAX, INC. (CA)

THIS IS THE FINAL REQUEST PRIOR TO SERVING EQUIFAX FOR MULTIPLE BREACHES OF CREDIT REPORTING LAW TO BE HEARD IN SMALL CLAIMS COURT, XXXX CA.EQUIFAX, AFTER MULTIPLE INVESTIGATIONS ( FOR MAX LEGAL $ CLAIM,XXXX PER BREACH ) CONCERNING IDENTITY THEFT CONTINUES TO PUBLISH AND DISSEMINATE FALSE INFORMATION.I ORIGINALLY DISPUTED 5 DEPT OF EDUCATION LOANS AS NOT MINE.. 
DUE TO IDENTITY THEFT.I HAVE PREVIOUSLY PROVIDED AN FTC IDENTITY THEFT REPORT, MY DRIVERS LICENSE WITH VERIFIABLE SIGNATURE ( PROPER ID ) MY SOCIAL SECURITY CARD AND BANK STATEMENT.EQUIFAX REMOVED 4 OF THE 5 ERRONEOUS LOANS BUT REFUSES TO REMOVE THE 5TH LOAN DEPT OF EDUCATION/XXXX, ACCOUNT XXXX. 
THE LOAN APPEARS TO BE TRANSFERRED.IT WAS NOT TRANSFERRED TO ME.EQUIFAX VIOLATES FCRA FOR NOT IMMEDIATELY DELETING.NO FURTHER INVESTIGATION IS NEEDED TO DELETE/SUPPRESS FROM EQUIFAX.ALL NECESSARY INFORMATION TO SUCCESSFULLY DELETE HAS BEEN PROVIDED MULTIPLE TIMES ... WITH MULTIPLE, MAIL, ONLINE DISPUTES AND CFPB COMPLAINTS. 
ATTACHED ARE ID AND REPORT SECTIONS FROM EQUIFAX AND FTC ID THEFT REPORT. 
LATELY, THE EQUIFAX CFPB DISPUTE RESPONSES HAVE BEEN SAYING TO CFPB THAT EQUIFAX IS INVESTIGATING, YET THEY ARE NOT INVESTIGATING OR PUTTING UNDER DISPUTE.THEY ARE LYING TO THE CFPB IN THE PREVIOUS TWO COMPLAINTS AT THE LEAST.THIS IS A CRIMINAL ACT.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

During a routine credit check by a financial institution reviewing an application for business credit, three late payments were noted from XXXX  XXXX XXXX XXXX XXXX {$7500.00} and reported on my Experian credit report. The account had been closed since XX/XX/2022 due to inactivity and a fraud alert issued in XX/XX/2022. Unbeknownst to me, XXXX XXXX XXXX  issued a yearly fee on XX/XX/2022. In XXXX XXXX, I was alerted to a FRAUD ALERT on the account from XXXX vendors by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and the account was CLOSED and no new card was issued. The above facts are not in dispute and have validated with XXXX XXXX XXXX employees over 4 hours of investigation without assistance nor resolution. Apparently, the account had not been CLOSED but frozen. The account information was removed from my login screen. XXXX XXXX  XXXX reported to the credit reporting bureaus three last payments on a closed account for an annual fee of {$79.00} issued on XX/XX/XXXX and never seen by me because the statement was never sent because the account was closed ( actually frozen ). The {$82.00} payment was made from my XXXX account in XXXX ( not initiated by me ) and the account closed. My credit was negatively affected for late payments on a compromised account, supposed closed, and compromised. The fraud alert and the annual fee both occurred within 30 days of each other. I am concerned that XXXX XXXX XXXX is holding other credit card consumers " XXXX " to annual fees on closed accounts and fraudulent charges. 
I will pursue this further with an FTC. I will DEMAND that XXXX XXXX XXXX remove/ reverse the negative reporting from XX/XX/2022 and XXXX.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains.
Consumer complaint received 2023-01-24
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: Tower Loan of Mississippi, Inc. (LA)

I recently wrote to Tower Loan, via certified mail, requesting the deletion of the following account : Account Number : XXXX. [ There were two different addresses reporting, so I mailed, and uploaded the same document with both addresses ]. I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Tower Loan continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Tower Loan, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Tower Loan has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Tower Loan violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Tower Loan above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Tower Loan is seemingly willfully noncomplying. Furthermore, Tower Loan continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Tower Loan, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Tower Loan continues to falsely verify as accurate. This has to stop at once!
Consumer complaint received 2023-01-24
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. (MI)

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 u.s.c 1681. These are the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681/ section 602 A States I have the right to privacy 15 u.s.c 1681section 604 A section 2 also States a constant reporting agency can not a account without my written instructions 15 u.s.c1681/c ( a ) ( 5 ) section startes ; no consumer redorting agency may make any consumer report containing any of the following items of information any other than records of conviction of crimes which antedated the report by more than 7 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 cause to believe that the information is inaccurate
Consumer complaint received 2023-01-24
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. (NY)

There are accounts that are not mine.. Ive been a victim of identity theft And with one account in particular I was misled given false information when I agreed to settle the account. Also I see false addresses on my account.. and when I tried to file a dispute.. the system will not allow me.. Also after speaking with someone about the issues.. checking later none of it has been removed
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (MD)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-01-24
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. (MN)

Trans union LLC is still reporting unauthorized inquiries that was placed on my consumer profile with out my written permission. XXXX XXXX XX/XX/XXXX navyfed XXXX - XX/XX/XXXXXXXX XXXX XXXX and a new inquiry was just placed XX/XX/XXXX padio.. Its been over 60days of my trying to resolve this issue with TransUnion. Its on file with TransUnion that I was victim of my data being compromised. And TransUnion responses with a recent letter. Stating that my being a victim of identity theft. Does not apply to unauthorized hard inquiries that was placed on my trans union report. That was placed with out my written consent. I will be submitting TransUnions response letter to the states attorney office. And I did hire legal counsel regarding. The violations And laws trans union continuously. Continue to break and unfair credit reporting with disregard of the consumer non personal information. Who TransUnion never had the lawful authority to publish in the first place. With out my written consent
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (NY)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2022-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Attorney XXXX XXXX XXXX COLLUDED with Wells FARGO to COVER-UP the " EMBEZZLEMENT '' of payment received from XXXX XXXX XXXX 


BEWARE : Read XXXX NEGATIVE UPDATE on XXXX XXXXXXXX XXXX law firm ANSWER REQUESTED : XXXX XXXX, as a prominent BOARD-CERTIFIED Consumer Protection Attorney for 39 years.. 
How many times have you sued Wells Fargo? 

If, she takes your case, it will never make it to trial ... .WHY? she told the judge boldface lies, and had my NO DEFENSE CASE dismissed I was not able to defend myself. She denied me my " DAY IN COURT '' She is not a nice person... .at all. She will kick you when you are down ( and hang-up on you ). 

My doctors ( medical records ) will prove she lied to the judge. 

XXXX XXXX, I invite you to prove me wrong XXXX XXXX, WHERE IS THE MONEY?
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I recently checked my credit reports and am disputing a late payment entry that has been reported by LEXUS by error. Pursuant to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and the Fair Credit and Charge Card Disclosure Act ( 15 U.S.C. 1666b ), I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 

I sent on XX/XX/24 a certified mail to lexus and the credit bureaus ( see attached ) to dispute the error in the reporting of this late payment as it is negatively affecting my creditworthiness. I have attached relevant supporting documentation, including [ copies of check from XXXXXXXX XXXX, evidence of first check mailed ] to substantiate my claim and my good faith.