davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2023-05-25
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. (FL)

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

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-03-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted TransUnion via mail multiple times within the last 5 months regarding inquiries on my credit report, and TransUnion did not verify and was not able to provide information that I requested and showing proof that the inquiries were verified. I'm a victim of a fraud and TransUnion did not help or give any information. Then today XXXX, XXXX, I called the TransUnion and told them that multiple letters have been sent regarding the unauthorized inquiries on my credit report and the representative did not assist me in this matter. there are 26 UNAUTHORIZED inquiries on my Transunion report and they did absolutely nothing about it. 
Here are the Inquiries : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

Used Western Union to transfer money they sent me a email stating the money transfer is ready to then turn around and stop payment I then called them to discuss this action and multiple csr were uneducated about their practices I asked for. a manager miss XXXX and she told me very vaguely they stop due compliance my bank statements prove that the money is been taken out and not refunded and their confirmation email stating the transfer is ready for pick up Contradicting the whole process manipulated by them while holding my money and this may not be the only issue within the company
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : UNAUTHORIZED HARD INQUIRIES Inquiry Name : XXXX Inquiry XXXX : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX, XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

Original loan was XXXX, this loan is to old to be showing on my report as date of loan was XX/XX/2014, due to length loan has been on report and fact the company has transferred this account to another credit reporting company. The original date of loan is now showing current date. This isnt the original creditor so the information is being reported as delinquent when in fact original debt should be removed from report and credit reporting agency is reporting fraudulent information to show negative remarks when in fact this account should be deleted
Consumer complaint received 2020-03-07
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

On XX/XX/2018 I pulled my equifax credit report. Upon pulling it I discovered several collections accounts listed with no name and no contact information. Ive called equifax who informed to call the company listed on my reports, I explained no company name or contact information was listed on my report. I tried to explain several times with no avail. Please help.
Consumer complaint received 2020-03-07
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. (GA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX   XXXX XXXX  Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX  Original creditor  XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my consumer report and noticed that a bankruptcy is being reported on my account. I have contacted the credit reporting agencies to get this information removed with no resolve. I am disputing this derogatory information as it is harmful to my personal report and because I never gave my consent to share this information to my my report. 

15 US Code 1681 b Permissible Purposes of Consumer Reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

The consumer reporting agencies are violating my consumer rights.

They stated that the information was acquired from a third party source and shared without my consent.
Consumer complaint received 2020-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (KY)

This hospital debt ( see below ) keeps getting rolled over on my credit report. Debt collection agencies keep buying and selling this debt account. The result is this debt is being reported as a new debt on all three of my credit reports. Leaving it on my credit reports in perpetuity. It is my understanding a debt is supposed to be aged off a credit report after 7 and/or 10 years. I was admitted to the hospital.  I don't remember the exact year I was admitted. To the best of my recollection it was anywhere between the years of XX/XX/XXXX and XX/XX/XXXX. I would have to request the medical records to provide you the exact year. Which I am willing to do if necessary. Below you will find the latest information about this debt pulled from my credit reports. 

COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$600.00} 0 % paid off Loan Amount {$600.00} Contact XXXX XX/XX/XXXX Collection Department / Agency / Attorney XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX ( tel:XXXX )
Consumer complaint received 2020-03-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Experian continues to report a derogatory ( " Bankruptcy '' ) public record on my credit report, and has failed to provide a complete description of all methods used to investigate my dispute as I have requested. ( See Attached Letter ). Experian has not provided proof that they have gone threw the proper and logical steps to validate my dispute.
Consumer complaint received 2020-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XX/XX/XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes
Consumer complaint received 2023-05-25
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-13
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. (FL)

XXXX XXXX {$780.00} XX/XX/XXXX -- -- XXXXXXXX XXXX  {$500.00} XXXX XXXX {$1400.00} couldnt find a date XXXX XXXX {$980.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX 2019
Consumer complaint received 2023-05-25
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. (TX)

Ive been trying to dispute this account several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. 
XXXXXXXX XXXX XXXX  Balance : {$6700.00}
Consumer complaint received 2023-02-13
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

XXXX XXXX
Consumer complaint received 2018-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ID)

My son attended Univ of XXXX for 1 1/2 years in XX/XX/XXXX-XX/XX/XXXX. My Parent Plus loan is {$65000.00}. ( His

is {$10000.00}. ) He left that school for failure to provide a useful education. Navient agreed to wait until he graduated from the school he transferred to for payments from me. I am broke and on the verge of bankruptcy. I requested Income-based repayment or some plan that will defer the start of my payments. Navient sent some unintelligible documents to me -- seriously, I have no idea what they mean. The upshot is that my payments start now and are {$390.00} per month. I simply do not have the money and need a deferment. Navient seems unresponsive to my request.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020, a payment was made in the amount of {$150.00} inadvertently as the amount intended was XXXX ... ..This was not recognized until noticed that a late payment 30 days+ for {$3.00} was reported on XX/XX/XXXX ( on which date a payment of {$150.00} was also made ) 2020 ... ... I am unable to submit to the company as they do not have 24 hour customer service, nor online mailing, but I have been a client for years, and a payment was made withing 30 days. I understand this was a keying error and not recognizing this at entry time ( I have poor eyesight, and thought the amount was actually XXXX due, and that the XXXX would have been more that what was due in any event ). I am asking that the Creditor please review my account, and consider removing the late payment reported to the credit bureaus for the amount of {$3.00}.
Consumer complaint received 2023-06-09
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)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific inquiries in my document coming about because of the wrongdoing. The inquiries I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX