davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (NV)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-24
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. (NJ)

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (MO)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00}
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IN)

We have an apartment attached to our home. We had been caring for ill relative and had caregivers. We left on trip and our card was used several times online and in person. Items were delivered to this address. When we got home we had found some items and returned them. Also we called creditors and some of them refunded us We didnt make these charges Discover denied the fraud and reversed all the charges with out explanation. We have contacted police but they said we had to contact the credit card We did not authorize any charges on Discover. We havent used the card since XX/XX/2023. All charges sent here to you are fraud. We have talked to the company a lot Please help us
Consumer complaint received 2022-07-26
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00}
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have disputed the Bankruptcy information on my credit report. They are unable to verify it as when I reached out to the XXXX XXXX XXXX, they did verify that they do not report to the credit bureaus nor verify information. 
I am asking very graciously that this be removed from my report.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received your response Last XX/XX/XXXX that you need my updated email address which is XXXX I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Accounts : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint and I'm including it again.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (OR)

My XXXX XXXX XXXX bought a card from the XXXX XXXX store in XXXX Oregon. I am not sure if it is legal to sell those cards to minor in order to buy XXXX  games on line. I did not approve the purchase I tried to return to the XXXX XXXX store they refused to take it back. So I tried to use at the store to pay for something else. Every time we tried the transaction get declined I contacted the company issued the card " NETSPEND '' several time and luck to solve the problem. One time the agent asked for my social number and more information I never been asked before to activate card with balance of {$10.00} of kind question. I did refuse to give here the social and asked her to to speak with here supervisor I did explain to him hoe the card was sold to XXXX  son and it has balance of {$10.00} and they charge him {$3.00} at the XXXX XXXX  for the card. So he said I am going to activate the card for and it has {$10.00}. When I tried to pay for a shoes for my son at XXXX and I was shocked when the card has only {$2.00} on it. I called again and talked to one agent at the NETSPEND and told one of your supervisor and said it has {$10.00} balance on it. and when we tried to pay for a a purchase it has only {$2.00} how that happen? I said some one from you company must stool the money. She said there is an unused fee for {$5.00} I was shocked to hear that from here I believe this company is scam company and trying to take money from minors by selling those cards.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Choice Recovery, Inc. (OH)

I recently received a copy og my credit report. To my surprise, XXXX, XXXX, and XXXX are reporting accounts incorrectly. The collections accounts are not only reporting as open but, also shows past due balance. According to the FCRA, I have the right to an accurate credit report. INn accordance with the Fair Credit Reporting Act Choice Recovery Account number : XXXX and XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number : XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO.

CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!
Consumer complaint received 2022-08-26
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. (MO)

I have noticed thaXXXX XXXX XXXX XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Consumer complaint received 2022-07-26
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. (MO)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$180.00}
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have XXXX XXXX XXXX say that I owe money however. I have never done any business with them or anyone they may represent. The credit Breau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In addition this is not my collection. PLEASE FURNISH ME A BINDING CONTRACT BETWEEN ME AND THIS COMPANY Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report. 
The Credit Bureaus stated my accounts was properly investigated, How is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 
Your information is incorrect.. 
PLEASE DELETE THIS FROM MY TRANSUNION CREDIT REPORT. 

I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

On XX/XX/21 I sent Lvnv Funding LLC a debt validation letter certified. They received it on XX/XX/21. I received two separate envelopes, letters dated for XX/XX/21, neither containing a contract with my signature. On XX/XX/21 I sent Lvnv Funding a failure to validate letter certified. They received it on XX/XX/21. I received another letter from Resurgent Capital Services dated XX/XX/21. It was not a contract containing my signature only a bill.
Consumer complaint received 2024-05-28
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: Upstart Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was not 30 days late on XX/XX/20. Please eliminate this late payment on this account. I believe it is reported wrong. Please correct this issue XXXX XXXX XXXX Late Date XX/XX/20
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OR)

In XX/XX/XXXX I took a forbearance because my wife lost both of her jobs. When I started to make payments, Carrington mortgage sent my payments back and informed me that I needed to do a loan modification. Everyone I talked to on the phone from carrington said " no problem you are qualified for a loan modification, just wait for the paperwork to come in the mail ''. Two years of sending documents, over and over as requested, following up via email etc etc. On XX/XX/XXXX I was told they could not do a loan modification and I would have to pay XXXX to reinstate loan. They also stated I could appeal thier decision, which I did, after consulting a lawyer. My Appeal was denied. I received the loan reinstatement papers on XX/XX/XXXX, I needed to pay the XXXX on XX/XX/XXXX to reinstate loan. Got a notice of sale via text from a 3rd party in mid XXXX. Came home from work on XX/XX/XXXX to a notice on my door, letting me know that an auction for my house would be in XXXX, then another 5 days later that stated it would be in XXXX.
Consumer complaint received 2017-11-15
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: Santander Consumer USA Holdings Inc. (OH)

I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my XXXX XXXX time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

Commencing on or around XXXX XX/XX/2024, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX account to fraudulent investment firm ( s ).
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX BANK XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, some of these accounts, are also in violation with the statute of limitations here my state of Texas. 

I went ahead and attached screenshots I took from XXXX XXXX, where I highlight all the violations on every single account. 

-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 2017-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (FL)

XX/XX/2017 -- {$440.00} I received an email that something was added to my credit report. so, I logged my CR and this company added this collection. I disputed it and they sent me a validation letter on XX/XX/2017 with amount owed {$0.00}.