davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2022-03-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no XXXX XXXX accurate accounts on my credit report.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (MD)

I owe Mariner Finance, I sent a payment in XX/XX/XXXX, they stae they never got. Now they want 2 pmts NOW. They call on a daily basis they call at work and are now calling my neighbors. I talked to them a couple weeks ago and told them when i get p [ aid i would send what i could. That was all fine and good but they never talked with me and dont know who called. I am tired of this everymonth. I try but we ran into some financial difficulty, and am trying to catch up but these people just keep hasseling thinking i will get paid faster that way, but i can only do what io can do.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

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

Account in violation XXXX  XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) Account Number XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX  XXXX ) Account Number XXXX 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account 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
Consumer complaint received 2022-10-27
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. (SC)

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

Account in violation 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 XXXXXXXX 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account 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
Consumer complaint received 2022-05-16
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)

In accordance with 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This correspondence is to notify EXPERIAN that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''. 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title ''. EXPERIAN is not maintaining reasonable procedures. Please see attachment for further details.
Consumer complaint received 2022-03-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Trans Union is incorrectly reporting an erroneous chapter XXXX bankruptcy with accompanying negative accounts ( included in said bankruptcy ) on my credit report. Trans Union has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last 6 months. Transunion maintains the United States Bankruptcy Court of XXXX Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have all deleted the erroneous chapter XXXX bankruptcy from my credit file due to my identity being compromised last year, while Trans Union has repeatedly refused.
Consumer complaint received 2022-10-27
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. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that 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 : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2022-10-27
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. (NC)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2017-08-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (IN)

I received another call today including a previous call that I reported from XXXX on XX/XX/XXXX at XXXX p.m. On this phone call I was informed that this person was calling to work our an arrangement on a debt. I informed him that he never mentioned it was an effort to collect a debt and proceeded to give personal information without notifying that it was an attempt to collect a debt which should be done on every phone call because he does not know if he is even speaking to the correct person when the call is answered. He said he did on the first call when he called me on XX/XX/XXXX which I do not remember. A XX/XX/XXXX phone call does not verify he is talking to the correct person on XX/XX/XXXX without verification. I informed him that he said my own personal information to me without having me verify which seems like a scam to me. On this phone call I expressed how I did not agree with the collection practices and how I felt it was a violation of the Fair Debt/Credit Practices. The gentleman became irate and expressed that this company paid off my debt with My Pay Day Loan and that I owe them in return, but never mentioned the company name. I have never received any information stating that this happened nor is it listed on my credit report. If the debt has been paid, then why am I being contacted? The gentleman also expressed that they would not accept any payments from me and would be reporting it to have my wages garnished. I called the # back to find out the name of the company that was handling the debt for My Pay Day Loan, but the gentleman hung up on me once he realized I knew it was a scam.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (SC)

Hello my I recently got approved by Chase Sapphire preferred Thursday XX/XX/XXXX I was instantly approved for XXXX credit limit I was in the process of moving and called them that same night to update my new address I 'm moving to, to have my card sent there I passed all the verifications and I got the rush delivery so my card arrived Monday XX/XX/XXXX once I got my card I called to activate it and was sent to the fraud department I passed the identificafion verification and my account was off hold and my card was activated by the specialist who also told me I would n't have to worry about any issues or my account being on hold again so today XX/XX/XXXX I tried to use my card at the ATM and was declined I called chase again and they said my account was on hold again I passed the  verification process once again and they said they could n't access my account but gave me a number to call XXXX I called it and she said my account was under periodic credit review I did nothing to trigger it and I verified who I was now I can not use my card that I was approved for and was told to wait 7-10 business days till they pull my reports and I have been trying to build my credit so on the day of XX/XX/XXXX I got approved for an XXXX card for XXXX credit limit and a XXXX XXXX visa for XXXX and 2 other inquiries that day
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (NY)

Date of XXXX Payment : XX/XX/2022 Monthly Payment : {$20.00} I have attempted to resolve this on my own numerous times. Was told that they don't have to help me, I've been more than patient. This adverse action to my report is causing me great harm to my mental & physical health. This is a heavy weight upon my shoulders, and upon my review of my consumer rights. 

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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 and 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 2019-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (LA)

Lvnv is trying to collecrvon a debt that does not have my social security number whenni call they can not talk because it's not my ssn but it's on my report and they will not take it off I went on line and try to get account information I can't it's not my ssn Also this debt has been deleted and re-inserted which I am to be notified by credit regulations This company is breaking more than one law by keeping it on my report
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Consumer complaint received 2022-05-16
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. (TN)

On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXXXXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately..
Consumer complaint received 2022-10-27
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. (NY)

Date of Late Payment : XX/XX/2022 Monthly Payment : {$20.00} I have attempted to resolve this on my own numerous times. Was told that they don't have to help me, I've been more than patient. This adverse action to my report is causing me great harm to my mental & physical health. This is a heavy weight upon my shoulders, and upon my review of my consumer rights. 

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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 and 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 2022-10-12
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. (MO)

In Accordance with Fair Credit Reporting Act this creditor [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX ] has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Open Dealer Exchange, LLC (NY)

I would like these hard inquiries to be removed i did not give any or these companies permission to pull my report. 

700cr/hillside 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 2017-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

Hi, On XXXX XXXX 2017 I transferred money ( XXXX or {$400.00} USD ) to someone in XXXX XXXX, who goes by XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX music controller used. I 've since found out that the person has committed fraud with other consumers on the forum and I then tried to cancel the transaction with PayPal. The seller convinced me to use " Friends and Family '' to transfer the money which offers no protection to the buyer. PayPal refuses to do anything and I have no recourse to collect my money. Thanks,
Consumer complaint received 2022-05-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MS)

o all FHA, VA, Brokers & Financial institutions of any type. My home is a single family home at XXXX XXXX XXXX XXXX, Ms XXXX their is one septic system, one address, one water connection, one electrical connection, one driveway Period. For some reason they want to list my home asa duplexto do something bad to my FHA Or Va mortgage. Several have questioned me often. What is going on and what is their plan?