davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (AZ)

In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX Funding XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX XXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.
Consumer complaint received 2023-03-20
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. (CA)

I checked my credit report and saw an inquiry from a financial institution that I have never used ; and I have never applied for any products. There is a hard inquiry from this on my transunion credit report and they refuse to remove or even properly investigate the issue. 

XX/XX/2023 is when in noticed the inquiry and reached out to transunion.
Consumer complaint received 2022-12-12
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. (WA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA Collections (IA)

Im getting XXXX  from XXXX XXXX XXXX for a debt i am not aware of, i never received anything about the suit only the XXXX  from the courts that i owe XXXX money and a money judgement was filed, this is in violation of 809 ( a ) -1-2 i lost my right to request validation, and to look into whomever the debt was from.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.
Consumer complaint received 2023-07-07
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: Advance America, Cash Advance Centers, Inc. (FL)

Consumer Adjustment Company is reporting on my credit reports that I owe money to Advance America, {$250.00}. I have never received a phone call nor a letter from either the collector or AA. The collector told me the loan was taken out XX/XX/XXXX at XXXX # XXXX. I called AA corporate office and spoke with XXXX and she said there is no loan, nor has there ever been a loan taken out from me from any store. I applied, but did not receive the loan. I was denied a loan. In XXXX I was living in XXXX XXXX, SD. Store XXXX is in XXXX XXXX, SD. I haven't been to XXXX XXXX, SD in literally decades. The biggest part of this is that AA confirmed that due to the law changing surrounding the interest rates being capped in South Dakota, AA stopped doing business in South Dakota as a whole in XXXX. If they stopped doing business in South Dakota in XXXX, how could I have taken out a loan from a South Dakota store in XXXX? The collector also told me that AA wouldn't be able to find me in their system without an account number, which they never even gave to me. When I spoke with XXXX at AA, she said that's a boldface lie and that they keep records for up to 15 years. Another interesting fact is that the collection company also said they took over another loan from AA in the amount of {$750.00} ( or so ) and I have since been able to remove that from my credit report by myself. Now this one popped up. I am so angry and trying to clean up my credit and they keep putting things on my credit reports!
Consumer complaint received 2023-07-11
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX ALL 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 2023-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

During my mammogram visit with XXXX XXXX Hospital, I provided my insurance information to the XXXX representative. XXXX paid the bill and I assumed everything was fine. Later, I received a collections notice. I spent 3 days speaking with XXXX and XXXX reps. After receiving the payment information from XXXX, I called the XXXX XXXX and gave them the information as well as the extension number for the XXXX XXXX. I asked XXXX to call XXXX. I assumed it was taken care of. I recently received another notice that my account has been submitted to collections ( XXXX XXXX XXXX ) again. This bill has been paid by XXXX and I have tried to resolve the problem with XXXX. I can only assume that XXXX has credited someone else 's account with the funds from XXXX intended for my account, but I am out of options on how to resolve this problem.
Consumer complaint received 2022-12-12
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. (LA)

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 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I've contacted the credit reporting agencies several times in regards to inaccurately reporting late payments to my credit profile. I have never been late, and no correspondence has provided any verification of my payments being late. Per 15 USC 1681, I have the right to privacy and have not given any written permission for my transactions to be furnished to my consumer report. Further reporting late payments to my credit profile is also in violation of 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

When I ran a credit report from TransUnion in XXXX, I noticed my DOB was wrong, So I called the company. I mailed documents ( drivers license and passport ) copies to them, and verified that they received them XXXX weeks ago Monday XX/XX/XXXX. I called on Friday XXXX and Customer Service said they had received the documents and would make the correction within the week. I have called weekly since then, and each time, I was told by Customer Service that the change would be made within the week. The last time I called was XX/XX/XXXX, and I was told that the correction would be made within the week. Please help me get my personal information corrected at TransUnion, as I am in the process of applying for a mortgage.
Consumer complaint received 2023-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

In XX/XX/XXXX, a complaint was made with Federal Student Aid concerning the principal amounts that Mohela stated that was owed by me. A call was made after speaking with Student Aid to Mohela requesting that they send to me what was used to determine the amount that was owed by me because they amounts that they are saying was owed is not correct. At the time of my filing the complaint with your Agency, no documents were provided by me. This time there are documents to show that before XXXX, my total debt with XXXX XXXX and the Department of EducationXXXX totaled {$46.00}, XXXX with the dates of XX/XX/XXXX in question as these two debt amounts, total the same. When XXXX XXXX transferred the debt to XXXX, they correctly XXXX  the debt out with them. When the Department of EducationXXXX transferred the debt to XXXX XXXX , they did not, XXXX  the amounts in their system once XXXX XXXX accepted the loan debt. A dispute was filed with the credit bureaus and XXXX was the only one to have the Department of Education/XXXX to correct was showing. After filing a complaint with the Federal Student Aid Ombudsman because Mohela  states that was is owed is over {$57000.00} and this is not correct because as an undergraduate, {$46000.00} was to the total loan amount that was received by an undergraduate before XXXX. 
Mohela finally sent and was received by me on XX/XX/XXXX, what information they used. They appear to have increased the original principal amounts to show $ XXXX and they used XXXX and FedLoan Servicing and possibly the debt from XXXX from XXXX XXXX that was forgiven as they lost accreditation and the school closed its doors and no grades were given. The total principal amount changed with Mohela and it is my understanding that this should not be. Attached are my documents.
Consumer complaint received 2023-07-10
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. (TX)

The account is for a medical bill that is under {$500.00} and should not appear on the credit report. The collection agency has fraudulently increased the debt in an attempt to report it. I have contacted Account Services without success to correct this illegal action.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX & XXXX  Account Number:XXXX  has violated my r

ights . Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$4400.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2017-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

We opened  the American Express Simply Cash Business C redit Card on  XXXX / XXXX / 2016  with the offer to get a {$250.00} statement credit for spending {$5000.00} within the first 6 months of card membership. This offer was good for applications submitted through  XXXX / XXXX / 2016 . We spent {$5000.00} in the allotted time period, whi ch American Express confirmed for us on several occasions. However, we never received our statement credit. Had AmEx open an official case to investigate. They nev er contacted us back. I called them to inquire. They had closed the case saying they could n't track our card opening back to the proper source code. I asked to speak to several levels of supervisors until I was told that there was no one there who could assist me, but that I would receive a call back with in 48 hou rs. Now, a few months later, I am still waiting. This is unacceptable. I have wasted so many hours over the la st six mo nths trying to get this resolved.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After recently being turned down from apartment I decided to take a look at my credit and I was in distress when I notice the incorrect items listed on here. I have called most of these lenders. And they are unable to give me information. Because I can not verify all the information. XXXX XXXX  told me that account was open and a business name. I never had a business account. This is causing great duress to me and I need these items removed. I am unable to get a apartment due to this. 

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, Hard inquiries XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I XXXX date XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXXXXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX  Account Number : XXXX Please remove it from my credit report.