davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX  **** Balance Owed : {$7000.00} ; XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX has the following WRONG addresses on my credit report XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX These addresses do not belong to me and may be negatively effecting my credit report.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (NY)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 {$2900.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$5900.00}
Consumer complaint received 2022-12-19
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2022-12-19
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Consumer complaint received 2022-12-19
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. (RI)

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act the following XXXX accounts 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 an account without my written instructions. 


XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX  Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXXalance {$500.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX Original creditoXXXX XXXX XXXX Balance {$100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditoXXXX XXXX XXXX Balance {$320.00} Balance updated XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$1000.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1000.00} Balance updated XX/XX/ XXXX  XXXX XXXX Original creditor XXXX XXXX 
Balance {$220.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXX Original creditor XXXX XXXX Balance {$100.00} Balance updated XX/XX/XXXX XXXX XXXX
Consumer complaint received 2017-12-30
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. (IN)

XXXX XXXX AND EXPERIAN ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (MD)

On XX/XX/2022, I submitted an application for a personal loan for {$5000.00} from Upstart. On the same day, they denied the {$5000.00} but said they would approve {$3300.00}. On XX/XX/2022, I received an email stating that I qualify for a loan and asking me to complete my application, which consisted of submitting a picture ID, a statement from my bank and a picture of my degree from XXXX, which I provided. On XX/XX/XXXX, I received a request for a quick call/interview, and was asked to provide another form of identification and my pay stub, which I provided on XX/XX/XXXX. XX/XX/XXXX, received an email that my loan was being processed and the processing time may be slow. XX/XX/XXXX, I received an email stating the loan had been approved, instructed to log into my account to review and accept the final terms. Upon logging in, I signed the promissory note and checked the boxes, and then it states your credit report will be pulled. Upon hitting enter, a message comes up that and says we are unable to approve your loan. My concern is what was done with my personal information during the timeframe designated as " processing ''? Why wasn't the credit report pulled initially to verify loan eligibility. This company misleads and is not truthful in its lending process ; they did not do their due diligence and present false information to the consumer.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation (MA)

On XXXX XXXX, 2017 I cashed a check at XXXX XXXX XXXX in XXXX RI for {$300.00}. This transaction had a {$15.00} fee which I agreed to pay for a total of {$310.00}.
However, the check cashing company, Telecheck Services Inc. XXXX XXXX XXXX, XXXX XXXX Tx overcharged me and debited {$330.00} cents from my checking account at XXXX XXXX XXXX. When I noticed this extra, unauthorized charge of {$15.00} I contacted my bank and asked to withhold that {$15.00} from the payment to Telecheck. The bank reviewed the transaction, and stopped/withdrew the WHOLE payment of {$330.00} until the transaction is corrected. Meantime, I have been contacted by a collection agency for Telecheck demanding full payment of {$330.00} and refusing to correct the problem. My multiple attempts to resolve this issue ( calling XXXX XXXX and Telecheck ) are not being addressed. XXXX XXXX referred me to Telecheck and there I am not assisted at all ; the call goes to XXXX where the customer service agent " XXXX '' i.d . XXXX was incapable of understanding that this was a mistake I wanted to resolve and when I requested to speak with a supervisor refused to transfer me to a supervisor or anyone else and to provide me with a corporate address for a complaint. This individual issue also raises the possibility that this company is making many " mistakes '' to their customers transactions and possibly illegally profiting by them. Please assist in resolving this issue and review their number of accounting " mistakes '' that always are in their favor.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

After several calls to this lender they will not report my payments or balance to the credit bureaus. Also, one day I see no payment is due the next day I see a payment is due. Its confusing! After reading reviews about this bank, it appears a lot of consumers are experiencing issues.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (WA)

This is for XXXX XXXX XXXX. They call me constantly and I keep my phone on silent all the time now missing important calls. Ive tried blocking every number but it doesnt matter they will just call from different numbers. I told someone awhile ago to stop calling as I am XXXX but dont get XXXX because its a XXXX XXXX thats hard to prove. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He has a daughter and XXXX XXXX XXXX XXXX. I cant work so I cant pay anything towards this. Theres nothing I can do.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-19
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. (LA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

- FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to dispute a hard inquiry listed on my credit report that I believe is unauthorized. I did not authorize this inquiry, and it is not related to any credit application or transaction that I have made. As such, I kindly request that you promptly remove this unauthorized inquiry from my credit report.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (OK)

Ive been having my car payment taken out for the past 3 months for {$570.00} but the car company is not receiving my funds. When I asked the bank about it they said it was not their problem. 
I just want my money back nearing XXXX dollars.
Consumer complaint received 2022-05-05
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX XXXX XXXX # 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 an account without my written instructions
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Credit bureaus reported I had a zero balance on my  XXXX   XXXX   XXXX   XXXX  charged off checking account as of XX/XX/XXXX , after I paid the account in full. After  XX/XX/XXXX  the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost  XXXX  times severely hurting my  credit score  and ability to access credit. I disputed the  XXXX   XXXX   XXXX   XXXX  late payments in  XXXX  when I discovered the error. The credit bureaus completed the dispute in  XXXX  without making the corrections and removing the false late payments from my credit report.
Consumer complaint received 2022-05-26
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: CREDIT ACCEPTANCE CORPORATION (NH)

XX/XX/2022 SENT CERTIFIED LETTER REQUESTING VALIDATION OF THIS DEBT. I DO NOT OWE THIS DEBT. CERTIFIED LETTER SIGNED FOR BY XXXX XXXX XXXX BUT NO REPSONSE TO THIS LETTER HAS BEEN RESPONDED. 

AS OF XX/XX/2022 NO RESPONSE HAS BEEN RECIEVED AND FUTHER COMMUNICATION FROM THEM HAS BEEN UNSUCCESFUL. DEBT HAS NOT BEEN VALIDATED AND SHOULD BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-05-26
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. (NC)

The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under 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 an account without my written instructions
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :