davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (TX)

TO WHOM IT MAY CONCERN : I have no knowledge of these following accounts that appears on my XXXX credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Account numberXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$250.00} Account numberXXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX {$72.00} ACCOUNT NUMBERXXXX XXXX XXXX XXXX OPENED XXXX {$110.00} XXXX XXXX XXXX XXXX OPENED XXXX {$520.00} I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TX)

Radius Global Solution has been reporting a medical balance for laboratories services on the amount of {$170.00} which my insurance XXXX XXXX XXXX has informed me that Im cover 100 % for this services and do not have to pay anything. 
The collection agency doesnt care about my explanation and I have given them all insurance information but still report this negative and fraudulent charge to my credit reports. 
Please dont allow for fraudulent companies like this to harm our credit records. 
Thank You
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-05-01
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-07-05
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. (IL)

( In accordance with the Fair Credit Reporting act the following companies have violated my rights. ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( 15 U.S.C 1681 section 602 A. States I hape 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 )
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MO)

On XXXX I received a letter in my mailbox from my employer XXXX about a garnishment. XXXX never gave me notice, no call, no email about garnishing my check on XXXX. Second Complaint, Asset Acceptance LLC never gave or received any type of notice about any notice about garnishment. The XXXX XXXX I never heard of the company in my entire life XXXX never gave me any type of notice about any garnishment no letter, no email, no phone call until now 16 years later. Attorney XXXX XXXX XXXX XXXX never gave me any type of notice about a garnishment but he gave me the run around when I requested for a copy of the original loan for XXXX about his computer system was down. Statute Of Limitations is 10 years in the state of Mo.
Consumer complaint received 2022-02-17
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)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between XX/XX/20 and XX/XX/20 there were 5 fraudulent charges made on my Bank of America credit card. The card was always in my possession and I was not in the city where the transactions took place during these 2 days. I was not able to find evidence of me being in a different location during this time. Here are the fraudulent transactions : {$16.00} at XXXX XXXX on XX/XX/20 XXXX CA {$530.00} at XXXX  on XX/XX/20 XXXX XXXX CA {$20.00} at XXXX XXXX on XX/XX/20 XXXX XXXX CA {$11.00} XXXX XXXX on XX/XX/20 location unknown {$17.00} at XXXX XXXX on XX/XX/20 XXXX XXXX CA - magnetic swipe transaction I was alerted to these charges because the bank itself originally flagged them as fraudulent and froze my card. My money was refunded immediately. 

One month later, the claim was denied and my refund was rescinded. I called BOA to ask why and they told me that my claim was denied because, apparently, a chip was used for the transactions. However, one of the transactions, I was told, was a magnetic swipe transaction. 

I submitted another claim, including the police report. I was denied again. I called the XXXX financial crimes  unit on XX/XX/20 and was told that the police have not yet even assigned an officer to my case, so I don't expect my police report to be followed up on in any reasonable amount of time.
Consumer complaint received 2022-08-26
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. (FL)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THE INQUIRIES ACCOUNTS AND TRANSACTIONS I AM DISPUTING WERE OPENED AND MADE BY THE THIEF, AND NOT BY ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY : I DISPUTE THE FOLLOWING ADDRESS ON MY CREDIT REPORT THAT I NEVER LIVED AT OR DO I KNOW ANYONE WHO HAS LIVED AT THE FOLLOWING ADDRESSES : XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX I DISPUTE THE FOLLOWING NEGATIVE ACCOUNTS THESE ACCOUNTS ARE NOT MINE I NEED THESE ACCOUNTS OFF MY FILE IMMEDIATELY!!! : 1.DEPT OF ED/XXXX ACCT # XXXX 2.DEPT OF ED/XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX ATTACHED ARE A COMPLETED POLICE REPORT FTC REPORT CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT IDENTITY THEFT AFFIDAVIT AND XXXX XXXX XXXX DRIVERS LICENSE. PLEASE DELETE THE DISPUTED ITEMS FROM MY CREDIT REPORT WITHIN XXXX DAYS AS REQUIRED BY THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-02-17
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. (TX)

These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-06-10
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. (MI)

I have filed a dispute with all three of my credit report companies requesting information on a accounts that were reporting incorrectly. The first time I disputed accounts in question I did through the reporting agencys website and after receiving document stating that they verified as correct!! I then practiced my rights and sent them a certified letter indicating the results and I was wanting to know the method that was used to verify the incorrect information that is harming my account as stated in federal law Section 611 ( a ) ( 5 ) ( A ) ( i )
Consumer complaint received 2022-06-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX//2022, I received and an alert on my credit from a company XXXX XXXX that sent my account to an outside collection agency XXXX XXXX. I paid the collection in full on XXXX/XXXX/2022. Per XXXX at XXXX XXXX. My account was charged off on XX/XX//2022. I paid {$840.00} and when I called them I spoke with a rep by the name of XXXX XXXX  and an supervisior by the name of XXXX @ XXXX both told me once the account was paid XXXX XXXX fail to notify them the account was paid in full and all I needed to do was dispute and they would have the account removed. Account number XXXX.. This is a violation of FCRA and FDCPA.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

This transaction is related to REVERSAL OF CREDIT XXXX FROM XXXX XXXX ON XX/XX/21 REF # XXXX. 

Based on the information, this transaction is valid and is a exchange of cash. I've provided the XXXX payment confirmation, certified bank statement, police report, etc to indicate the nature of the transaction. 

Also I've called XXXX before the transfer and agent told me the transaction can not be revoked or cancelled. As such, I accepted the XXXX payment based on the information provided by the bank. I've attached a copy of the voicemail.
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

XX/XX/2020. {$2400.00} Something but the Principal amount is only {$1500.00}. I already made a payment of {$1000.00}. I want to make a settlement and lower the amount balance and I want to pay it off soon without any additional charges. Thanks
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (TX)

I appreciate you making an effort to update and repair some of the data on my credit report, but there is still an account that needs to be fixed. The Credit Bureaus must verify this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that this disputed account will be fixed as soon as possible XXXX XXXX
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-01-31
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: TD BANK US HOLDING COMPANY (DE)

XXXX  and XXXX  giving my credit report to companies without my consent. 
companies accessing my report without my consent These companies illegally pulled my credit unnecessary and with out my approval XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX  XX/XX/XXXX Td auto, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX   XX/XX/XXXX on
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I send a letter to the 3 credit bureaus to fix my personal information and it was not fixed. As of today, it still says my name is XXXX XXXX XXXX. My real name is XXXX XXXX and also have an address that currently has nothing to do with me on there. I send them my Social Security Card and other government documents as evidence. 

Sending you the attached file. This letter was sent to all XXXX credit bureaus.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Tried calling Experian, XXXX and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX  XXXX XXXX XXXX La, XXXX is my correct previous address. 

Experian has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

XXXX has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I have received two documents with different interest rate increases. One is dated and the other is not. I am in an increasing interest rate modification. I do not know which one is correct. 

I do not contact SLS, they won't talk to me on the phone. I can only send emails.
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc (FL)

I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They continue to stonewall and not answer my request for validation which is a violation of law.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed a fraudulent transaction with Bank of America. I am asking the bank to provide me with the documentation the merchant provided to the bank to reverse the charge and put the fraudulent transaction back on my credit card. 

The bank is not providing me with this information. XXXX did give me a description of the documentation and said the vendor ( XXXX XXXX ) provide BofA  example of a transaction but not anything related to my specific fraudulent transaction. XXXX thinks there was no evidence of my transaction and would consider this charge fraud.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (OH)

I HAVE SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.