davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have a few addresses on my credit report that are not mailable addresses of mine. I do not recognize them and could be possible use of fraud. Please remove these addresses to protect my identity. I also would like my name updated as my identity gets confused with my father and son who all share a version of my name. 

Per 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To enforce my rights, I request Under 15 U.S. Code 6805 Enforcement- subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Consumer complaint received 2019-10-10
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. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: STERLING JEWELERS, INC. (MI)

Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX in the balance of {$0.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I opened my XXXX XXXX in my XXXX XXXX XXXX on XX/XX/XXXX to see an inquiry made on my account through XXXX  XXXX and TransUnion on XX/XX/XXXX. I also saw another inquiry a day later through XXXX. I did not authorize any kind of inquiry and XXXX XXXX and TransUnion in particular has been giving me the run around with the dispute process. The damages resulting from the negligence of these parties have been a XXXX point dip in my XXXX XXXX.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I have asked Kohls to close my account and take me off as an authorized user on my fathers kohls card. I have asked them to do this at least twice in 5 years. When we call Kohls they say i am not an authorized user. However they are reporting to me to the credit beauros as an authorized user. We called kohls today XX/XX/10 after pulling a credit report and they claim im not an authorized user. I need this escalated and resolved.
Consumer complaint received 2021-04-14
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. (WA)

An acollection account has been added to my credit report which is fraudulant It is not my account I ask exuifax and XXXX to remove from my account and have not removed it. the account added is XXXX original creditor is XXXX XXXX this was never my account I am requesting this account be removed immidiately
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have all been paid off and promised me they were to delete it off my credit report once paid off and they are paid off with a XXXX balacnce.
Consumer complaint received 2022-12-01
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. (PA)

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 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 XXXXXXXX ) 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 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 2022-12-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Southern Auto Finance Co (CA)

XX/XX/2022 I was denied an extension of credit based on alleged delinquent payments to other creditors. Ive sense only received an adverse action letter that does not follow federal law. 

adverse action 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

**Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. **
Consumer complaint received 2024-03-04
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. (TX)

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 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been a victim of a data breech. Also had my wallet stolen. I have reported this to the credit bureaus, the gave me information stated a company called XXXX XXXX and LCI were the furnishes of the information. 

I then asked them how was this reporter I have never received any information from none of these companies, XXXX responded saying the have no record, but when I pull info inaccurate information is there. Public Records, Credit Cards I do not have.

This is a clear violation of my consumer rights. To add more I just received a letter from another consumer breech. I have attached this to my record. Please remove all public records, credit cards, and other info as none of this is accurate and has never been verified.

15USC 1681s 2 ( A ) 1 ( A ) states information cant be related to any consumer that is inaccurate can not be reported.
Consumer complaint received 2021-04-14
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

I had money withdrawn from my account multiple times without notice or contact. The first time was at the very beginning of Covid as everything was shutting down they withdrew all of the money from checking and savings. I set up a payment agreement but was later furloughed and contacted them to ask if there was any option to renegotiate or change the payment agreement as I was out of work. I was told 3 payments would be removed from the agreement ( I asked if I would have to make them at the end or at a later date and was told no ). I made my final payment XXXX of XXXX. XX/XX/XXXX money was again withdrawn from my account and I was told I still owe the 3 payments removed from the agreement. At no point was I told I still owed money, there was never a call or mailing in an attempt to inform me that I still owed money. Over a year after I thought I had paid this off and put it behind me I was suddenly told I never had.
Consumer complaint received 2023-04-08
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. (FL)

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. 

Account name : XXXX XXXX  Account number : 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 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 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

For the last XXXX months, whenever I've tried to pay my credit card bill online, the website gives me a prompt 'Payments can not be accepted at this time. Please try again later '. I contacted Synchrony via phone & was asked to pay via their automated phone system. However, this issue was never fixed, which is typical of Synchrony Bank. On XX/XX/XXXX, they reported a missing payment on my credit report, although I had made the payment on the very same day ( XX/XX/XXXX ). As a result, my credit score has taken a hit. I've a total credit limit of {$33000.00} across all my cards. My Synchrony Bank 's Paypal Mastercard 's limit is just a minuscule {$300.00}, and yet I'm bearing the brunt due to Synchrony 's shoddy systems & processes.
Consumer complaint received 2022-12-01
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. (MD)

I sent out my first dispute on XXXX on a XXXX XXXX XXXX. I sent the letter certified mail and I also sent a follow up letter on XXXX about this same account and the error was not updated or deleted. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This account it not.. I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.

Here is the letter I sent : I sent this letter to all 3 credit bureaus. I also sent this same letter again on XXXX and as of today XXXX the account has not been updated or deleted. 



XXXX XXXX XXXX XXXX XXXX  XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX # XXXX 1 ) Date of Last activity : XXXX reported date XXXX, XXXX reports date XXXX and Equifax reports date XXXX. Please Delete this inaccurate information off my credit report. 


I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2021-07-22
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. (PA)

I have filed two disputes with Transunion regarding a debt with PA Child Support Enforce. I have had a XXXX balance for several month, but they refuse to accurately update my records. They keep saying they verified amount with company after 14 days. How do you verify information as accurate. I would love to know who they talk to XXXX child support because no one answers phone. I have offered to call on three way for them to hear balance information. I have even offer to show other reports from XXXX and XXXX with correct XXXX. This is hurting me on my job who will look at my credit when getting my FINRA attestation on financial. I have disputed this item 2 times and they have not accurately updated. What is point of credit report if they refuse to uphold honor of FCRA laws ... I am attaching both my other two bureaus which accurately reflect balance.
Consumer complaint received 2024-03-04
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: EQUIFAX, 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 XXXX XXXX XXXX. The accounts below have violated mi rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( XXXX XXXX  ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX ycars. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furish 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 inaceurate. 
Delete the inquiries 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 XX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report. 
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately. 

thank you
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

XX/XX/XXXX I checked my credit report score to find that I had a medical bill from a collections company, Credit Systems International, ( XXXX XXXX, Texas ) that had placed a debt owed of {$150.00} on my credit report XX/XX/XXXX I contacted Credit Systems International and spoke with XXXX XXXX who reassured me I owed the debt, yet I explained repeatedly that I had never received an invoice by mail or email. I asked him for an itemized summary, which he stated he was unable to provide, but kept encouraging me to pay the invoice to remove it from my credit report. He also encouraged me NOT to call XXXX directly for the itemization. 

XXXX XXXX I contacted XXXX and spoke to XXXX, who stated the invoice was for date of service XX/XX/XXXX and that invoices had been sent to an address in XXXX, which I responded stated I had not lived at that address in several years. After he reviewed the account notes further he determined the doctor 's office had initially sent the incorrect address, but then sent my current address, but XXXX never sent a new bill to the correct address. He apologized for the mix up stating he was pulling my account from Credit Systems Int'l and would have the collections agency " Delete '' the debt owed on my credit report. When I asked how long this would take, he replied about 30 days. XXXX sent me an itemized medical summary which I paid immediately online and have a {$0.00} balance. 

However, it has been a challenge since as of today the collection still shows on my credit. Each time I contact XXXX, they state they can only send an email to the Credit Systems Int'l and each time I contact Credit Systems they state the debt should have been deleted and will send another notice to the credit reporting entities which include XXXX and XXXX. I have an active credit monitoring account and the balance owed and the debt still shows on my credit report as XX/XX/XXXX XXXX XXXX. CDT. The last person I spoke to twice at Credit Systems was a supervisor, XXXX XXXX, who keeps reassuring me it will be taken care of - but my trust and confidence in this process is LOST. This error on the businesses part, not mine, has impacted my long standing very good credit score and no one seems to care. PLEASE HELP!?