davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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)

Efforts to dispute these issues have yielded no results. Enclosed is the letter I sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter seriously. Failure to address my original request, sent via certified mail, will prompt me to file a complaint with the Federal Trade Commission against your company. I insist on a thorough reinvestigation of the following information and request proof of the alleged item, such as a contract, note, or other document bearing my signature. If such evidence can not be provided, I demand the prompt removal of these items from my report.
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted this dispute on XX/XX/23 " This company is reporting inaccurate information after many attempts to try to get this corrected the company has yet to respond to any of my information submitted to them. They are reporting inaccurate across all 3 bureas. Information needs to be removed from the credit report '' ... ... ... ..... 

I did receive a confirmation via my experian profile that this is under investigation .... 


Now I received a letter from this company asking for my w2 and additional information claiming they can not find my credit profile. 
They have clearly found my profile because I have received confirmation of the dispute. 


I believe this is a stall tactic from the credit bureaus to not look into this investigation this has take almost two months with no response and the company refuses to look into to do a investigation this is in violation of FCRA. 



I have uploaded the reporting again companies are recording innacuracies.
Consumer complaint received 2023-06-28
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-17
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. (MD)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CO)

Received a phone call from XXXX XXXX at XXXX on XX/XX/22 for case XXXX. Left messages. His recording states that calls will be returned within 24 hours. No response. 

Phoned Elan credit card disputes department again on XX/XX/22 and agent stated that the dispute would be escalated due to no response.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX : XXXX, AZ
Consumer complaint received 2022-10-17
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. (NJ)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Slovin & Associates Co., LPA (OH)

I have recently discover that someone has been using my ID and personal
financial information to open up accounts for lines of credit and business
transactions with companies that I do no recognize. I have several lawsuits that I
was unaware of that have dubious origins and various jurisdictions. I was able to
locate the Franklin county items that are not mines and are fraudulent actives
starting on or around 2004 to present. I have file a FTC ID The Affidavit as well
as a CFPB compliant against these companies. The follow accounts and case are
fraudulent/unknown/unverified : RANDY T. SLOVIN SLOVIN & ASSOCIATES/
XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (GA)

Incorrect inquiries are being reported on my credit report. for the last 9 months I've disputed this false information XXXX times. Spending XXXX XXXX XXXX and hours. 

The companies listed below are incorrectly shown on my credit report Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (IL)

To whom it may  concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX IL XXXX XXXX XX/XX/2017
Consumer complaint received 2023-05-23
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-01
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)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2024-03-14
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. (FL)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible SEE ATTACHED. 

XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 - {$470.00} XXXX XXXX : # XXXX - {$0.00} Has violated my rights. Or 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 2022-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vanguard Financial Services, Inc. (VA)

I received a letter DATED XX/XX/2022 stating I had services at XXXX XXXX XXXX {$920.00}, but the letter came in very recently. 

I do not make many larger transactions, I have owned my car outright for over 3 years and do all maintenance personally, and I have never heard of XXXX XXXX  

It states I must write within 30 days or they will assume their information is correct. I do not wish to contact the company as I know this claim is false. I researched the company and all the reviews were stating they had a similar experience.
Consumer complaint received 2023-05-11
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
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. (LA)

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 U.S.C 1681. ACCT Name : US DEPT ED XXXX and US DEPT ED 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 accounts 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 these items of information Any other adverse items 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 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

I tranfer money using XXXX  a total of XXXX and the receipient did not received it. So I try again and was not received. Then I try with XXXX dollar and same thing kept happening. I call the bank XXXX and created a ticket and I was given a reference # and was told they would look into it. Its been XXXX   days and still I havent gotten my refund. 

Date of tranfer was XX/XX/XXXX for a total of {$400.00}
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NJ)

I received an email from Wells Fargo confirming that I made an appointment in another state to open a bank account. Wells Fargo also sent a confirming text message. However, I never made such an appointment or attempted to open a new account. I contacted Wells Fargo and after verifying some information they said it was a phishing email. However, the local branch confirmed that such an appointment was in fact made. In addition, I tested this by creating an appointment through Wells Fargos website and received an email and text from Wells Fargo from the same number indicating I made an appointment. I do not know why an account is being opened without my permission, who attempted to open such an account, and why Wells Fargo improperly informed me that the email addresses were not legitimate email addresses.
Consumer complaint received 2023-02-24
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. (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlas Credit Company, Inc. (TX)

I have repeatedly stated to them I am currently unemployed, Ive made whatever payments I can, they call me back the very next day to ask for more. Hang up on me when Im speaking to them and they dont like what I have to say. Ive advised I applied for unemployment but was denied and looking for work. They are rude, call from personal cell phones, and send messages about me whining and crying. 

Attached is a message from them directly to my phone.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (TN)

Over a 10 year period of time I have accumulated XXXX in reward points. 
Company says you can redeem for account credit. I called go have it applied to my account and was told I can only use it to buy a car or go on a trip or out to eat or have repairs done at GM. 
This is a scam. I am old I do not need a car I do not eat out due to covid and i dont travel. 
This is a bold lie to get you to get this card and use it. I would like my rewards paid to my account like they say.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX & TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX TRANSUNION Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (FL)

Reached to get the 1099c and never got a response If, after any reinvestigation under paragraph ( XXXX ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall .... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that the information as appropriate, based on the results of the reinvestigation, and
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.