davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to file a formal complaint against XXXXXXXX XXXX  and Transunion Credit Bureau regarding their failure to remove an account from my credit report that does not belong to me. 

Name of Collection Agency : XXXX XXXX Account Number : Unknown Date of Collection Notice : XX/XX/2023 I have recently discovered that XXXX XXXX and Transunion Credit Bureau have reported an account on my credit report, and upon careful review, I can confirm that this account is not mine. The inaccurate information has negatively impacted my credit score and financial standing. 

I have taken the following steps to rectify the situation : Dispute with Credit Bureaus : I have filed a dispute with the major credit reporting bureaus ( XXXX, XXXX, and TransUnion ) to have the erroneous information removed. However, despite my efforts, the inaccurate account remains on my credit report. 

Contacted XXXX XXXX : I have contacted XXXX XXXX and Transunion Credit Bureau directly to request the removal of the erroneous account. Unfortunately, my attempts to resolve this matter with them have been unsuccessful. 

I seek your assistance in addressing this matter and ensuring XXXX XXXX  and Transunion Credit Bureau complies with the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to have the inaccurate account removed from my credit report. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Received an invoice to pay for bicycle repairs through paypal. They use a deceptive user interface to induce account creation while hiding the ability to perform a guest transaction. They subsequently demanded copies of social security and driver 's license to process the credit card payment. I made credit card payment to the vendor through other means. Paypal refuses to " close '' the " account '' without providing social security and driver 's license information even though it was created in error on the same day and has never sent or received any transactions.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$360.00}
Consumer complaint received 2023-03-04
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. (CA)

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 Balance : {$79.00} XXXX  XXXX Balance : {$170.00} XXXX XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2024-01-18
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. (CT)

Attach is a copy of XXXX stating to remove this XXXX account of my transunion credit report and I notified transunion of this and this collection is still reporting on transunion. I need this account removed immediately.
Consumer complaint received 2015-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MA)

well at first it basically it had every thing right but the chapter of Bankruptcy I filed so I disputed it along with other info of credit cards and loans that had the same thing. it first said undesignated chapter so when I disputed it and told them it should be a chapter XXXX Bankruptcy and that it should say discharged. So after a few weeks Experian sent me the disputed results. now it saying I had XXXX Late payment in XXXX of XXXX oh it also says Charge Off as of XXXX XXXX and that it was a chapter XXXX in XXXX. I had filed for chapter XXXX on XXXX XXXX, XXXX so I know that I was not late and Had Never in my life filed for chapter XXXX. So then I had tried to dispute it again and the sight will not let me. so I also contacted the creditor of that account and was transferred to XXXX different people and they said they had no information on it and then basically hung up on me because I told them I wanted it fix or I will call my Lawyer.
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

XX/XX/XXXX, I had an item listed for sale on XXXX XXXX when I received a message from a lady that she wanted to buy the item. She told me that she was out of town and her daughter could meet me to pick up the item. I told her thats fine but she would have to pay me first or pay me when I met up with her daughter. The amount she owed me for the item was {$130.00}. She agreed and recommended using Zelle. I agreed and the lady asked for my information to pay me. Once I gave it to her I received a email that looked like it was from Zelle saying I had to upgrade my account because the amount of money was over XXXX . Right away the lady sent me a message as well and said she got a email saying the same thing and that she could not send the money before I upgraded my account. She said if I upgraded she would pay for it. I received another email from XXXX XXXX  XXXX saying I had to pay government fees as well. I followed The links on the email to pay. The first payment I made was for XXXX for the upgrade fee. the second amount I paid was XXXX for the government taxes. The government taxes email said I had to pay XXXX but I only had XXXX left so that is all I paid. Before I sent these payments I did ask her if we could use another form of payment because I didnt have the money to pay. The lady said that she would pay me back for them but I would have to pay them first. I did notice after the ladys name was different from XXXX to Zelle but the emails from zelle and the bank appeared very real. Once my mother reviewed my bank account we realized this was fraud and I was scammed so I blocked my zelle account on XXXX XXXX  and changed my passwords. I contacted XXXX XXXX  and Zelle on XX/XX/XXXX and reported this fraud scam and filled a dispute. I received a letter from XXXX XXXX  stating the dispute was denied and I would not receive my money back. I called them on XX/XX/XXXX to find out why and they said the dispute was denied because I authorized the payment. I told them it was a scam and fraud and that I received emails from Zelle and the bank that looked real prior to submitting the money. They said it did not matter since I hit the send button. I told them I had kept all the emails and they did not even ask to review them prior to making a decision. They were not able to tell me what their investigation consisted of and if they found the people who competed this scam/fraud. They were not able to give me that information and kept transferring me to the Zelle fraud department and no one ever came to the phone. It would put me on hold and just hang up after several attempts. I asked them why this was not covered under regulation e and they said I authorized the payment and it didnt matter if I was scammed into it. They said I was at a loss Of my {$320.00} and {$70.00} dollars that I sent.
Consumer complaint received 2024-01-18
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)

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshots attached :
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-03
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. (GA)

Credit report showing late payments. I have never been late paying my payments. 



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

15 U.S.C 1681 section 602 A. States I have a 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.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX  XXXX XXXX. 
I paid off this account but its still showing that I owe a balance. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Central Mortgage Funding, LLC (MN)

Complaint about Central Mortgage Funding , LLC based out of XXXX MI. Other following trade names : Central Mortgage Funding ; Central Mortgage Funding XXXX XXXX LLC ; XXXX XXXX XXXX. XXXX XXXX This company has been repeatedly calling me over the past 45-60 days after I have asked them multiple times to take me off their call list. At the beginning of the calls before I make my request I ask if the call is being recorded and some employees say 'yes ' and others say 'no '. 

One instance they called me 3 times over a two and a half hour span and every time I asked to be taken off the call list. 

The most recent call today XX/XX/ I was able to get the supervisor on the phone by the name of XXXX who claimed this was their first time calling. This was a false statement by the supervisor as they've called close to 30 - 50 times. 

I work a job that requires me to answer the phone all day with clients. This company is personally affecting my work production and my income by harassing me. 

This company is a disgrace to mortgage companies that seems to collect business by harassing consumers into working with them.
Consumer complaint received 2020-09-29
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. (LA)

Four collection agencies have been reporting inaccurate information to XXXX, XXXX, and Transunion. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - XXXX, XXXX, and Transunion - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX  in XXXX Louisiana. I XXXX  XXXX  people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my XXXX, and my XXXX  jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies.

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers,  middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. XXXX  even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

i filed for bankruptcy in XXXX i was discharged in XXXX i asked all credit reporting agencies to remove as its been 9 years. i haven't gotten a response from any of them and its been over a year since i asked
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (MD)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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 2023-03-03
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
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. (AZ)

I was financed with the company back in XXXX due to some financial issues. I had to voluntarily give up the vehicle. A year later estimated was XXXX of XXXX. Since then the company has reported my account as opened when this account has already been. Closed due to the repossession. They are charging me every month as if I have vehicle and as if I am past due Since giving up the car. They tell me the they don't have possession of the vehicle which I have spoken to the repo company and the loan company to voluntarily give up this vehicle. They are reporting to the credit bureau every month as a late payment over twenty four months are showing late since the repo. They are claiming they never picked up the vehicle and don't have the vehicle. I have tried reaching out to find a resolution and can not get them to fix it. My credit is being affected the balance is showing over 28 thousand dollars and keeps growing they keep reporting the payment late every month this should have been closed and reported as a repo.