davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL
Consumer complaint received 2023-03-15
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I, XXXX XXXX , am writing to dispute the following negative items that were found on my credit report. After reviewing my credit report, I have found the following inaccuracies : The personal information regarding my current address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The personal information regarding my previous address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The negative item listed under the account number XXXX for XXXX is incorrect. I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. I request that you remove this harmful incorrect data immediately from my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. Therefore, I request that you investigate and remove these negative items from my report as soon as possible. I also request that you provide me with a written response to this dispute within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: APEX Asset Management, LLC (NJ)

Apex Asset Management sent an improper balance bill to the consumer after the claim was referred to them by XXXX XXXX. XXXX XXXX agree prior to the service as to the allowable charge and then balance billed the consumer. Apex initiated collection actions for the balance and proceeded to report the balance as unpaid, without responding as required under the FDCPA, during the period when credit reporting was barred by the FDCPA.
Consumer complaint received 2022-12-27
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. (SC)

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 2023-02-23
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. (NV)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$78.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-01-08
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 have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX  XXXX  for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXX XXXX  XXXX  for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California law.
Consumer complaint received 2022-12-27
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. (SC)

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 2023-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Paypal Holdings, Inc (PA)

XXXX called me on two separate dates after XXXX. I work XXXX XXXX and both times I was already asleep and was woken up from their calls after reasonable hours. First on XX/XX/XXXX at XXXX and second occasion on XX/XX/XXXX at XXXX.
Consumer complaint received 2023-05-15
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. (MO)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care and no ever response or responses receive, I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (UT)

XXXX # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Experian and XXXX  refuse to unfreeze my credit. I need to apply for credit now, not in 2 week when they get around to compromising data that I have to " snail '' mail to them. The fact that I can't get a representative on the phone to work with me is egregious. These companies make money hand over fist and then hold my credit hostage. The federal government needs to severely regulate them. Lastly, the government should make them work together so that a credit unfreeze/freeze would be a SINGLE action, not getting jerked around by 3 different companies!
Consumer complaint received 2023-01-24
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. (GA)

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX  # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Consumer complaint received 2023-05-15
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)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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 item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-08
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. (FL)

I noticed that there are multiple accounts and collection account reporting on my credit report along with manny inquires that i did not authorize most of the items have been removed due to fraud but there are still some items that are reporting falsely on my credit report when i have disputed it a few times please help me resolve this issue i filed an FTC report stating which accounts where Related to fraud and which inquires as well and i sent it in to all three bureaus on XX/XX/2019 i was told that they have 30 days to responded but they have not responded to everything
Consumer complaint received 2020-01-02
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: Commonwealth Financial Systems, Inc. (TX)

Derogatory account alert from XXXX  through XXXX on XXXX XXXX on XX/XX/XXXX regarding an outstanding payment for {$600.00} to Commonwealth Financial. Another alert was received from XXXX  regarding same severely late payment Of {$600.00} and derogatory account again on XX/XX/XXXX. Credit rating has now dropped over 40 points from 780+. I have never had any accounts, interactions or dealings with this company, Commonwealth Financial Systems, and therefore have no outstanding or late payments. Have not received a single alert or notification from Commonwealth Financial Systems itself regarding any derogatory account prior to reporting it as such to XXXX  as I have no accounts or monetary dealings with this company. Fraudulent activity reported to XXXX  and disputed on XX/XX/XXXX. Credit alert placed on credit report through XXXX  at this time. Numerous consumers have reported these same fraudulent experiences with this company Commonwealth Financial Systems.
Consumer complaint received 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (DC)

I have tried to spend a pre-paid American Express card on XXXX XXXX, on accounts to pay my utilities, car insurance, etc. It has not worked anywhere. It is advertised as working anywhere American Express is accepted, but it isn't. Had I known this, I would have never gotten the card. It is such deceptive advertising.
Consumer complaint received 2024-02-23
Product: Credit reporting 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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-02-23
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. (NJ)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-01-24
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Dave Operating, LLC (CA)

I open a Dave account which is an App I closed the account but they left the banking account open, so many kept being deposit in that account, I find out on XXXX XXXX  and requested the money to be reimbursed and they said they didn't have no money, I spoke to my employer and XXXX which process XXXX  real estate payments and both said the money is in that account but so far after providing proof they haven't been willing to track the money or refunding the money.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One incorrectly reported a default payment on annual fees on my account. In XXXX of XXXX I was charged a {$39.00} annual card fee. Then in XX/XX/XXXX I was charged a late fee. I paid all outstanding balances in XX/XX/XXXX, and had not principal balance since XX/XX/XXXX. Capital One reported two default payments to the Credit Bureau, when it should've just been one report.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CreditNinja Lending, LLC (FL)

Credit ninja is reporting seven inquiries on my check systems report and those should not be on there. I do not have an account or did I open an account with you guys? These inquiries are preventing me from opening up a checking account and this is having a negative impact on my life I want these removed immediately.
Consumer complaint received 2024-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (PA)

i'm writing to inform you of a security incident involving certain personal information you provided on my consumer report. As a precaution, we are providing this notice and outlining some steps you may take to help and protect myself. 
i been a victim of bank fraud transactions duplicate XXXX XXXX keep file dispute with an early warning regarding account abuse but I been victim and the transaction with accurate, I didn't authorize the other one since it's fraud
Consumer complaint received 2018-03-05
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: EOS Holdings, Inc. (VA)

Greetings, I have recently XXXX  from XXXX outside of the United States. Unfortunately, somebody has most likely used all my information and got into debt because during the dates which the debt has occurred, I was in XXXX  in XXXX and I can prove that I have been an active XXXX  in XXXX for the past 6 years and was not in the United States to get in debt. This may be a mistake or an identity theft.
Consumer complaint received 2018-03-05
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc. (NY)

I signed up through https : //www.sofi.comXXXX to refinance XXXX {$30000.00} in student loans with a promotional offer of XXXX XXXX point for every {$2.00} refinanced. I even called in after to confirm that I was enrolled. Upon having the loan funded, as expected I reached the screen where I entered my XXXX account information. 

Thinking I was all set, I waited about a month for the points to get deposited in my account before contacting SoFi. I got a canned response " We can not apply a new link after it has been 30 days since your original loan funded. The system locks out the manual adjustment option after the 30 day time period. '' Attempts to escalate this internally got nowhere. 

I would not have chosen SoFi if it did not have this offer.