davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (IN)

I am a victim of identity theft. On XX/XX/2023, I sent Transunion a copy of my driver 's license, a copy of my social security card, my FTC Identity Theft Report, a statement by me, the consumer, addressing fraudulent regular inquiries and fraudulent accounts reporting on my consumer credit report and file, as well as my most recent electric bill as proof of address. The documents were sent Certified Mail # XXXX and were received by Transunion on XX/XX/2023. All items were on my Identity Theft Report were deleted, with the exception of XXXX XXXX XXXX. I called Transunion on XX/XX/2023 to report the fraudulent account that had not been deleted. According to the FCRA, a consumer credit reporting agency must block the reporting of any information that I, the consumer, identify resulted from identity theft no later than 4 business days after the date of receipt of the required documentation, which was sent and received by Transunion. Transunion is in direct violation of my consumer rights under 15 U.S.C. 1681c-2 ( a ) of the FCRA.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am an attorney acting on the behalf of a client whose credit cards were cancelled without being provided a reason or reasons in writing by Capital One. A letter was sent by me to Capital One at XXXX XXXX   XXXX XXXX, XXXX XXXX Virginia, XXXX on XXXX20 explaining their failure to provide such information. As of the date of this complaint, I have yet to receive a reply. You have my e-mail address : XXXX. 

Thank you
Consumer complaint received 2023-04-04
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. (NY)

I called both XXXX and Transition about two fraudulent hard inquiry on my credit report. I was then told to contact the credit which I then did. The creditor told me me that they cant do anything on their end so I I would have to discuss it with the credit bureaus. there are hard inquiry on only credit report hat doesn't have any account link to them and I has both XXXX and transunion to remove them and they won't do it. I have also then multiple letters to them
Consumer complaint received 2023-04-04
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. (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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, I XXXX XXXXXXXX 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXXXXXX has violated my rights. Or a list of inquiries : 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 2020-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Re : Account Number : XXXX XXXX XXXX I am writing to you requesting a tepslf. As you can see I have made an extreme effort to pay the loan with automatic payment, doing what I need to do get the forgiveness approved. Upon discovered that all of the 133 payments of {$250.00}, which equal to {$33000.00}. did not count toward. I also discovered that only 17 payments that count toward, which is and out of that only {$4300.00} What about the rest of the payment {$29000.00} where does it goes to, someone pocket? And no one can tell me where the payment goes to. It is unfair for me as a good citizen whom who work and give back to the society, the community and as well as paying his debt, and just want a loan to be forgive. They blaming me for not doing right, but all this years they keep their shut. Every time I called I never get the answer. It always a run around. I email to XXXX months ago with no response. Please take a moment to consider my request. 
Thank you
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Services, Inc. (CA)

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account ( s ). I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. 
Thank you. 
*There were 2 accounts listed with same redacted account number but 2 different balances in error.

1 ) XXXX- balance stated of {$890.00} 2 ) XXXX- balance stated of {$390.00}
Consumer complaint received 2023-01-27
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. (KY)

XX/XX/2020 for the amount of {$3800.00} from XXXX XXXX I have contacted XXXX XXXX  and they have sent me a statement saying that the information is incorrect that they're overcharging me but they're refusing to do anything about it
Consumer complaint received 2019-09-19
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)

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request XXXX  to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking XXXX follow federal law and do the same.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

A false collection action was posted against me on Equifax. I went online at my Equifax account and disputed it. The problems start with the Equifax system. Their system only allows a few words on three short lines to describe why you are disputing the problem. Then the system failed to allow me to upload supporting documents. Then Equifax does not allow any other contact avenues via the online system to reach out for help in getting support documentation submitted. Their system keeps logging you out and or trying to force you to buy a monthly subscription. Their help section online does not give any email addresses or text options. Once they go through a week 's process of whatever they do, they send me a notice that states they are going to leave the negative false information about me on their site until 2026. At the end of their notice, they say that you can dispute their findings by uploading any additional supporting documents online. When you go back online to find out how to do that, there or no options given nor any help avenues to do so. The only other option is snail mail of paper documents. Given how undependable our local mail system is here, it is more likely to get lost than delivered. Equifax has put forth a system that hurt individuals with issues like mine instead of helping them. They have an operation that has harmed me severely and have penalized me by dropping my credit score and damaging my 100 % on time payments of all monies I have had in my credit files for decades. I have proof that collection action posted against me, should not have been allowed.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OH)

To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD INC # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HUNTER WARFIELD INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HUNTER WARFIELD INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD INC is in  compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HUNTER WARFIELD INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Received letter in the mail for a loan approval for XXXX = unemployment insurance and another product I did not apply for in XXXX. Called ONE MAIN and talked to XXXX in Fraud and let her know I was a victim of identity theft. Sent in necessary affidavit. 

I received letter in XXXX that my fraud claim was denied with incorrect information listed as to when account was serviced, had the wrong account number ( according the contract I obtained a copy of ), wrong reasons for denial including that a signature on application matched a passport that was never presented according to the branch where account was opened. The branch called for payment and I indicated again I did not apply for loan. 

I resubmitted police report and sent my drivers license via email to XXXX.
Consumer complaint received 2019-09-19
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

EQUIFAX Reports : XXXX XXXX - Date Last Active XX/XX/XXXX, which makes it past the Statute of Limitations. 

*This account was purchased from another company. The opened date is Inaccurate and is reported wong as XX/XX/XXXX, when the last active date was XX/XX/XXXX and way past the Statute of Limitations. The creditor XXXX XXXX is practicing unlawful collection practices and trying to re-age the alleged debt. 

*I Disputed this account in XX/XX/XXXX and they re-aged the account that is Past the Statute of Limitations and made XX/XX/XXXX as the Reported Date to make it appear as a new item. 

All of these Violations are against the Fair Credit Reporting Act. 

I have been turned down for a Mortgage because of Equifax and their unlawful Reporting Practices.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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  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 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I submitted a dispute for two accounts in collection on my TransUnion credit report through the company TransUnion partner 's with XXXX XXXX. 

According to XXXX XXXX 's website and TransUnion, they are in partnership with each other. The dispute function is trademarked as Direct Dispute by XXXX XXXX in partnership with TransUnion, this verbiage is clearly indicated on the Customer dashboard page. After submitting my dispute, XXXX XXXX indicated that the dispute was being transmitted to TransUnion. I heard nothing more and continued to check my dispute status for many months via the provided Customer Dashboard as XXXX XXXX has no direct number to dial for assistance. My dispute status never updated. So, ultimately I contacted TransUnion on XX/XX/XXXX and they stated they never received the dispute via the XXXX XXXX conduit and that I would need to resubmit a dispute. I also contacted XXXX XXXX and they stated that they were " experiencing a communications error that prevented them from processing TransUnion disputes. '' and that their team is working on fixing the issue. Mind you, in the over a year and a half, XXXX XXXX never once notified me of this matter or that they were working on the problem until after I bought it to their attention on XX/XX/XXXX, XXXX XXXX XXXX also offered the same resolution that TransUnion advised, and that was for me to resubmit the disputes. 

In either case, I lost my documentation in support of my dispute and I am unable to obtain additional records due to the fact that the company that maintained the records has since gone bankrupt and been liquidated over two years ago. I am stuck and neither XXXX XXXX or TransUnion is taking any type of responsibility on this matter. They are pressing resolution on to me. 

I am certain I am not the only one affected by this. Please investigate both of these company 's resolution and communication processes as they are not providing the service they are touting and, they are not taking responsibility for their erroneous and untimely processes and response times. My credit has been adversely affected during this duration and I am attempting to get the matter resolved. 

Thank you
Consumer complaint received 2024-03-06
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. (IL)

Equifax has several fraudulent inquiries and accounts on my credit report that are not mine and neither did i authorize these inquiries or give permission for these accounts to be on my credit report. 

10 inquiries 1 account with XXXX XXXX XXXX 2 accounts with XXXX XXXX XXXX
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX services is reporting fraudulent information on my credit report. I have sent proof of payment to both XXXX XXXX services and experian on four separate occasions proving that I have never been delinquent in the month of XX/XX/2019. I have attached proof of payments from XXXX, XXXX, XXXX, XXXX and XXXX showing I have been consistent in making my payments on time. I have attached CC payments with confirmation numbers and a cancelled check as proof in the description of the Request for Complaint with the Department of XXXX XXXX Services. I am kindly requesting that you please look into this matter, as it has caused a blemish on my credit report as the Department of XXXX XXXX Services is incorrectly and fraudulently reporting to the credit bureaus a 30 day late on my report despite my proof. 
Please see attached.
Consumer complaint received 2019-04-30
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview is reporting derogatory information based on a loan modification that was not fully executed. Therefore no modification was lawfully recorded and therefore the credit information being reported is greater than 11 years old in violation of the FCRA. 

I have spoken with Bayview and they are aware the modification was not lawfully executed. They continue to willfully and negligently report credit information to their benefit. 

I demand immediate removal from my credit report
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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.