davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX.XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (IL)

I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a minor with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a minor with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved. My social XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX, went to bank of America to close joint account, because of fraud, id theft. I asked to be added as power of attorney, to speak on my mother behalf, instead, the service rep removed me from the account which is mine, because, I opened it, and my mother placed me on the account, in 2014. Id theft was for {$680.00} at XXXX. This behavior is illegal, they can not remove me off the account without my consent. I filed a civil rights complaint, # XXXX.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DC)

I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by XXXX XXXX XXXX that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. XXXX XXXX is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue XXXX ; financial, personal, and professional sacrifices. Please rectify this issue.
Consumer complaint received 2017-08-26
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2015-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (PA)

Trident Asset Management did n't respond to my direct dispute. My name is XXXX XXXX and Trident Management is knowingly reporting false information to the credit reporting bureaus. They bought an account from said " XXXX Stores '' and have continued to falsely report it as an open, revolving account with a past due balance of {$100.00}. They are not allowed to report a past due balance. I do not recognized this debt either and is reflecting on my credit reports for sometime now. The account number is XXXX. This is a collection account. I have disputed this account as a CRA DISPUTE. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of this account.
Consumer complaint received 2022-08-11
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. (OK)

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. They also reported my social security number wrong. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof 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. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts :
Consumer complaint received 2022-01-07
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)

Thanks for reading this and happy XXXX XXXX to your family. Thank you. It is quite frustrating being in this situation. The credit bureaus are no help, the customer service is rude. I am sad and it is taking a lot from me, I am strong and I will like for this to be resolved Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complaint myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I have Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. 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. Thank you very much.
Consumer complaint received 2021-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VW Credit, Inc (NE)

I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my XXXX  and XXXX  as the amount they are requesting is not valid.
Consumer complaint received 2024-02-21
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. (FL)

Good evening, This is my second attempt to fix all remarks below regarding each account. The account listed below have been linked to my credit report fraudulently. I have requested verification and validation under the laws of the FCRA and your office has failed to provide me those documents. At this time I would like to inform you that I have also contacted each company and they have also failed to verify these accounts. Regarding my last dispute your office stated that the accounts were Verified. However, who verified these accounts? 

Please see the fraud collections below Account name XXXX XXXX XXXX XXXX- Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account numberXXXX Account name XXXXXXXX XXXX XXXX Account numberXXXX Account name XXXXXXXX XXXX XXXX  Account numberXXXX  Account namXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

ATTACHED IS A COPY OF MY FTC REPORT REGARDING EACH ACCOUNT!!!!
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (AR)

I have online account with Experian. Who has been having problems login into my Experian account. Who recently requested a change of password. Who granted me the change of password. Who than tried login into my account twice. Who was unsuccessful login into my account. I personally believe I am being ignored by Experian in allowing me to login and preventing from removing negatives items from my credit report. Which are payments scams of fraud. I also provide them documents. that support my dispute. President Joe Biden said consumers rights to file complaints of being discriminated against.
Consumer complaint received 2020-09-12
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of  consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-04-04
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. (GA)

I have asked TransUnion, XXXX and XXXX, to please remove XXXX XXXX XXXX account, this is not my account and they will not remove it from my credit report. 
I have disputed this account for a year, with both TransUnion and XXXX XXXX XXXX account. XXXX XXXX XXXX, has been rude and threaten to file a public account ; I have had problems with XXXX XXXX XXXX in the past and it takes months if not years for the credit bureaus to remove items from my credit file.This XXXX XXXX XXXX company don't care that these reportings are hurting people. 
I have had Identity theft for over twenty years and have done everything I can to stay on top of checking my credit file .I have a special number to file my taxes from IRS because of identity theft. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-02-10
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. (PA)

XXXX of XXXX submitted a hard inquiry on my transunion credit report today, XX/XX/2021. I did not authorize them to check my credit, nor did I inquire about a car. They sent me a text message advising that I did. I advised that I did not. They stated that they had my info as part of a lead system. I did inquire about a car 2 years ago at which time they checked my credit. This hard inquiry is unwarranted and I want it removed from my credit.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pendleton Capital Management (WV)

My received my first phone call on XX/XX/2019, a voicemail, which I called back to. A customer service rep named XXXX ( possible misspelling ) with Pendleton Capital pre-legal department. She explained I had a XXXX dollar debt with XXXX, to which I asked for a validation of the debt, meaning a copy of a credit card statement, etc. She refused to give me any more information of regarding the debt and immediately hung up on me. I never received any correspondence via email or physical mail from Pendleton Capital regarding the debt. 

I received another phone call on XX/XX/2019 from a XXXX from Pendleton Capital. I, again, asked for the debt to validated to which he became verbally abusive, threatened to take me to court and pay XXXX verse the XXXX hes attempting to collect. I kept repeating for the debt to validated, he said it was against the law to send me anything and the debt was already validated to the company. He refused to send me any information or invoices of the receipts. I asked for it to be emailed to sent via my physical address. He became irate and hung up with me. He called back a few minutes later saying we got disconnected ( we didnt, I was downtown with full bars and I can tell when Im hung up on and when I hit a dead spot ). He again started threatening with my wages being garnished and I would have to pay thousands over the XXXX debt. I repeated constantly for my debt to be validated. He refused to send me anything, but said he would send a demand letter via email. I never received anything. 

On XX/XX/2019, I received another phone call from the same gentleman, XXXX. He again started with the same tactics and said I sent him a bad email address ( I didnt ). I told him all information needs to be mailed to me including information in my request to validate the debt. He said I was not cooperating and hung up. I do not believe they can validate the debt, or else they would have easily just sent me the information to look over. This gentleman was very abrasive, threatening, and he would not let me speak. Again, he refused to send me anything about this debt and when I started to say, you can not call me at this number. He spoke over me and hung up. Please look into this, its ridiculous and I believe a scam.
Consumer complaint received 2021-07-16
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. (NC)

I had received an inquiry from XXXX  on equifax. I immediately called XXXX when I saw it and they had no record of me. And I did not apply with them. It was XX/XX/2021 .So I disputed it immediately..it still shows on my report and the dispute is still open with Equifax. XXXX in.
Consumer complaint received 2020-10-11
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. (NY)

XXXX. XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 XXXX XXXX XXXX XXXX - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2020-11-16
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: DISCOVER BANK (FL)

here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in XXXX  I see the following accounts 1 - XXXX  XXXX XXXX status closed charge-off {$3100.00} In XXXX  1- XXXX XXXX on D .status closed charge-off {$1400.00} 2-XXXX XXXX XXXX  status closed charge-off {$3100.00}
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I received a debt collection letter from Transworld Systems Inc. for an alleged debt that I do not owe. I called Transworld Systems and their customer service agents were rude, hostile, and deceitful in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Transworld Systems , Inc. I do not owe them any money. Transworld Systems Inc. has flagrantly violated the Fair Debt Collections Practices Act.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX 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. 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.
Consumer complaint received 2021-04-25
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: JPMORGAN CHASE & CO. (ID)

I contacted JP Morgan Chase regarding a dispute I had with XXXX Essentially, XXXX  lied about what an accomodation included. The XXXX  offered accomodation was also un-sanitary with roaches and a fowl smell. We let XXXX  know the same night and left for a hotel. Spoke with XXXX  XX/XX/2020, XX/XX/2020, XX/XX/2020 and all refund requests were rejected even though we had proof. Opened dispute with JP Morgan Chase on charge, provided all the info and evidence we had. They rejected my dispute twice and will not allow me to further dispute the charge.