davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
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. (VA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TN)

In XX/XX/2021, I used Affirm, in conjunction with XXXX XXXX XXXX, to finance {$1000.00} at 0 % interest for 12 months. I have an autopayment setup for {$88.00} that occurs on the XXXX of every month. Affirm says they did not receive the payment on XX/XX/2021. I have sent them the image from my bank portal showing the XX/XX/XXXX payment. My bank wrote a letter showing 6 months of payments, including the XX/XX/XXXX payment, on bank letterhead. I can not get a representative from Affirm to speak with me about the issue, nor do I get timely responses to any email, text, or phone call. I do, however, receive regular threats about my credit score and impacts to future loans. I have been denied a loan solely because of this delay. Now the account is showing that XXXX XXXX payment was also not paid, even though they show that payment.
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (NJ)

Bankruptcy has been reported on my Experian credit report I have never filed and it only shows up on Experian report. I have disputed multiple times. Representatives have told me they do not know why it is on there and it will be removed but never does please remove : Acct : XXXX XXXXXXXX XXXX XXXX  XXXX I have asked for paper work for proof of account but they will not respond. I have contacted the court corresponding to the account and there is no record
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-25
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. (NY)

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

15 U.S.C 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 2023-06-25
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. (NJ)

I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, XXXX XXXX XXXX # XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (IN)

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX Also In accordance with the Fair Credit Reporting act XXXXXXXX Account ( Experian/Transunion/Equifax ) 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 2021-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft COAF Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (OH)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-10-11
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 (FL)

So randomly today around XXXX i get an email from paypal they literally banned my paypal saying I can no longer do business with them, and I only used it twice to get payments, XXXX payment days ago of {$350.00}, a couple days ago {$600.00} which they reviewed for 24 hours and then it passed the review and all of a sudden, today, they email me saying im limited permanently. This is so ridiculous I didn't do XXXX at all. I use paypal for family and friends and I even have a business one. This is ridiculous I need this ban lifted, I didn't sell anything on this paypal, or even get any disputes. Only XXXX person has sent me money. I need this ban gone, its how they abruptly ban you off their platform without any sort of explanation.
Consumer complaint received 2024-01-31
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-10-10
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

My name is XXXX XXXX I have a capitol one credit card that I am current on and my husband is an authorized user as well XXXX XXXX. I just pulled my credit report and I have found quite a few missing items or inaccuracies on my report that I would like to have. Fixed as this is hindering my credit. 1. The dates are of reporting are not consistent with each other 2. The day e the account was open is not consistent with each other 3. All 3 agencies reports for ( ok ) are missing months for reporting Per the fcra they must all be consistent o one can report differently than the other one
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

I get calls from various numbers but all identified as midland credit. Im familiar with midland credit management XXXX collector and on their website I owe no debt. I finally called back and they asked to speak with my deceased mother. When I explained her death I was asked to send in her death certificate. I explained I would not because when I go to the actual Midland credit site no debt comes up and the rep immediately hung up on me. Which I take as confirmation of their fraudulent attempts.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly m

y report is 4 pages. I wasnt able to get my Experian report. 

I also did not receive monetary damages from the class action suit against Experian for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816.

I have mental health problems and will need help sorting out these many many pages of data.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2023-06-25
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. (FL)

In Accordance to Fair Credit Act XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U .S.C 1681 604 A Section 2 also States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/19 MoneyGram debited my checking account twice in the amount of {$210.00} each time. A total of {$420.00}. In my MoneyGram account, it shows only one payment was sent for that amount.

I contacted the number given for customer care. My first call was taken by a person whom I could barely understand. It was clear she could not do anything to explain or fix the problem. She gave me another number to call. This call was also answered by a person whose first language was definitely not English. He told me to call back in three days. He gave me no assurance that the error was going to be corrected.

Since this was not an error on my part, I find it very upsetting that this seems to be of no priority to MoneyGram to rectify their mistake and very vexing that I am out of pocket for {$210.00} that I had not budgeted for. Even more concerning is are they going to ever fix it?
Consumer complaint received 2023-02-17
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. (CA)

I have disputed for over a year inaccurate information and no corrections have been made. 


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.

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 2023-02-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Weber & Olcese, PLC (MI)

Credit collection law firm filed suit to collect on credit card debt. An agreement was entered into to settle the debt with one lump sum and 12 monthly payments. The balance of the debt would then be discharged/forgiven. {$5000.00} payment was made pursuant to the agreement. Default judgment for the entire balance was subsequently entered. The {$5000.00} was applied to the balance without consideration of the agreement. They simply tricked me into a {$5000.00} payment and the agreement was simply ignored. Settlement agreement was simply a fraudulent inducement to make a large payment.
Consumer complaint received 2024-01-31
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-17
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. (NJ)

Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. 

In 2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX  and XXXX Bankruptcy without my Authorization. 

There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. 

I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. 
I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. 
The US Bankruptcy Courts XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. 
XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX and XXXX Bankruptcy without my Authorization. I will file with the XXXX XXXX XXXX shortly. Please note XXXX as Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am XXXX XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$750.00}.