davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MO)

Westen union NetSpend. I have account with them in XXXX of 2022 they took XXXX $ from my account they said to cover a delinquent balance on an old account with them. I explained to them I had the other card but never used it never accessed online nothing. They said that money was deposited to the card and withdrawn to a debit card ending in XXXX or something like that. I don't have a debit card ending in those numbers they stated XXXX told them it's obvious someone hacked the account and took that money. They should trace the name associated with that debit card they would see it's not me. I want my XXXX $ back. They should never have taken it without contacting me to see if it was me making that transaction.obvious it's not me. Acct # is XXXX.
Consumer complaint received 2023-05-19
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: Credit Central Holdings, LLC (AL)

I have made plenty attempts to this company credit central has relentless abused my credit with this fradulent account they will not remove this account.open this second account with out my authorization..I have sent them a ftc report they refuse to remove the account.. I will be placing a lawsuit against them if account doesn't get removed..
Consumer complaint received 2023-07-31
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. (FL)

I am not liable for any inquires reported on my credit report nor did i authorize any of these accounts which added inquiries to my credit report. The following accounts stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. I do not have a contract with any of the above named companies and they did not provide the contract as I requested because they do not have one yet the credit bureaus has not removed these inquiries from my credit file.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (CA)

On XXXX XXXX I lost my self credit card various charges were made without my knowledge. I reported the card lost/stolen to the company when I made my monthly payment on XX/XX/XXXX. This I a card I don't use nor check very often however I did know I had an outstanding balance however it was not the amount that was being reported. The company issued me a credit and told me it was going to be taken care of. About a month later the credit was reverse and the company would not give me a reason as to why. The representative I spoke kept insisting this was a " back office issue '' however there was not way for me the owner of the account to get any further details. It was recommended I dispute the transaction once again. I did. I repeatedly did these step 4 time each time being met with sorry we just have to keep disputing it. No reason was ever given. And after not paying the balance of the unathorized transactions the company closed my account and posted the fund used to open this secured card as payment towards the past due balance. There was a remaining balance of XXXX dollars which has been accumulating late fee and intrest charges since then. Self lending has been reporting this closed account as delinquent for the last 3 month even though I have filed a dispute several times and they keep being rejected this has now affected my credit score they kept XXXX of then deposit and the keep calling me stating I need to pay off the balance even thought i informed them everytime those were fraudulent charges
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I.C. SYSTEM INC. has sent a disclosure in their attempts to collect on a debt from original creditor ; XXXX XXXX. XXXX XXXX has charged off and written off this account to be filed as income on a federal income tax. There is no balance for this account. I.C. System is attempting to collect on a debt and obtain money that they are not owed. This is an organized crime, attempting to receive money on an account that has been written off and reported to the IRS. There is no debt or no balance owed to I.C.System, INC. The collection agency is in violation pursuant to the FDCPA and are violating my rights of privacy pursuant to The Privacy Act of 1974. I.C. System Inc is in violation of the following ; 15 U.S.C 1692b ( XXXX ), 15 U.S.C 1692b ( XXXX ), 15 U.S.C 1692d ( XXXX ) and 15 U.S.C 1692d ( XXXX ). I am disputing all parts of this alleged debt. I have no contractual agreement with I.C. System INC that indicates any payment has to be disbursed to your company. I.C.System INC is in non compliance with the FDCPA in illegal practices as there is NO DEBT. I am willing to settle I.C.System INC civil liabilities and damages that you have intended to cause upon me in the amount indicated in the attached documents with this dispute. 

I have attached documentation to this dispute with the disclosure I.C. System INC sent and my correspondence.
Consumer complaint received 2023-03-07
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. (PA)

My name is 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 2024-08-27
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. (NY)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-26
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-08-26
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. (FL)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX ( Original Creditor : XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-07
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. (NC)

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

A 1099-C was received in XXXX of XXXX, stating that {$60000.00} of mortgage debt was cancelled on XX/XX/XXXX. The monthly mortgage statement do not show this amount removed from the outstanding balance of {$43000.00} as of XX/XX/XXXX. Shouldnt this have left a credit on the account?. 

Fifth Third accepted a Michigan Homeowner Assistance Fund Grant for {$25000.00} in XXXX of XXXX. 

Two Loss Mitigation applications have been submitted per Fifth Thirds request. One in XXXX of XXXX and another in XXXX of XXXX. 

Each time I call Fifth Third for updates and assistance, I received conflicting information. 

Since the Federal Government has been notified that {$60000.00} of debt has been cancelled, I would like to know why is not appearing in my monthly mortgage statement. 

I am a single mom with XXXX kids, XXXX of them were born with a rare type of XXXX XXXX called XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The care of my children is very complicated and a 24 hour job. Both of my children are XXXX  they use XXXX XXXX since they were XXXX XXXX XXXX. This home is a necessity for my family, is handicapped accessible, many charities organizations have helped me renovate the kids bathroom to make it accessible as well as ceiling lifts in their rooms since my daughter is XXXX XXXX and need to be lifted several times a day for brief changes, baths an all the care they need. I can not emphasize enough how important this home is for my kids and myself, as it is this is an exhausting job, I can not imagine living in a house with steps and narrow door entrance. I need your help. Thank you
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-03-08
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)

In accordance with the fair credit Reporting act XXXX XXXX Account number XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose. XXXX
Consumer complaint received 2023-03-08
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. (NC)

My name is 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 2023-03-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I wrote a letter to Experian to requesting a removal of items being reported at not 100 % accurate. 

I didn't receive a response within the 30 day timeframe. I checked my credit report online and saw that they are verifying the items. I called today XX/XX/2023 and the agent said she couldn't do anything. 

I believe under the FRCA, I am protected and Experian is in violaton of my rights as a consumer. 

15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report
Consumer complaint received 2023-03-10
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. (MI)

Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (MO)

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX XXXX XXXXI had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. Date of Last Activity/Account Status/Date Opened/Date of last activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions.Thank you,
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Sent in my dispute and the credit company didn't provide the right documents showing that the accounts didn't belong to me in a reasonable time frame that the fair credit act determined to be the time frame for their response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am intrested in disputing my credit report with XXXX checking my file ive noticed alot of invalid information that is hindering my file. all data should be XXXX  % accurate on each file and it is currently not. update all information requested.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit 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
Consumer complaint received 2023-03-05
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. (CA)

I opened a XXXX XXXX account and immediately got hit with outrages fees and tried to close it. XXXX refused to close it ( I have emails where they refused ) and now its a negative mark on my credit report that they wont remove. They never loaned me any money! They just took money from me and kept it. I shouldnt show a loan that I didnt receive on my credit report! Thats not fair!
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (AZ)

I went to Conn 's XXXX in XX/XX/2020 dealt with XXXX salesman ; he didnt explain terms come to find out that the item was sold as a " lease purchase '' without my knowledge The company IS NOT licensed in Arizona at all They take money from your account hoping you will end up with a huge debt ; non disclosure ; never knew who signed agreement