davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
Consumer complaint received 2023-01-12
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Medical Data Systems, Inc. (GA)

I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the XXXX data breach and may have got into hands of the wrong person.
Consumer complaint received 2021-04-01
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. (WA)

Tired of wasting my time and spinning my wheels to get this fixed! My issues with all credit agencies have fallen on deaf ears. 

Two Auto loans were PIF and I refinanced with another Loan company. TransUnion has continued for two months to report this information incorrectly. The have NOT corrected the errors on my credit report at all. See photos attached. 


The have increased my debt load by 33 % on my account page as well giving a false and damning picture of my credit. My credit is stellar!!!! Not what TransUnion and its false information is portraying. XXXX XXXX and XXXX XXXX have both already reported the Pay Offs on these accounts, however, TransUnion continues to increase my debt load on my report and post false information ... ..for TWO months.
Consumer complaint received 2020-10-23
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: AMERICAN EXPRESS COMPANY (MA)

On XXXX, XXXX I booked with my AMEX a hotel in Florida with the merchant called XXXX XXXX XXXX ( XXXX XXXX XXXX  ) through the XXXX Website for XXXX XXXX break, the total amount was {$1900.00} charged on XXXX. I cancelled the reservation on XX/XX/XXXX and on XX/XX/XXXX I received the email from the merchant with the cancellation and the attempt to refund my money back, but that never happen. After several attempts with the merchant without answer I decided dispute the charge with AMEX. The disputed was opened with the evidences of the cancellation but AMEX closed 3 times after a month each time, without checking the documentation provided by me and using, as a justification, the feedback from the merchant saying that I never cancelled the reservation, that obviously it is totally False, or that they issue a voucher that I never received and I'll never accept. 
Today I asked for the 4th time to dispute again and I provided, again the emails from the merchant with the details about the cancellation done during the free cancellation period.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates has defamed my character, reported incorrect information on my credit reports without validating the debt. They have violated quite a few of my rights pursuant of the 15 USC 1692. 
I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure in which they have not responded.
Consumer complaint received 2022-11-18
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. (CA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2019-10-03
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. (CT)

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 2019-02-24
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. (NY)

XXXX XX/XX/ 2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix this.
Consumer complaint received 2021-05-23
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. (TX)

On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that unless the appropriate steps to rectify this situation are taken within 10 days, I will file a complaint with the FTC. Your legal obligation requires a response within 15 days, and failure to do so is a violation. Non-compliance may result in fines up to {$1000.00}. I trust that upon receiving this letter, you will promptly address the issue. Please provide the investigation results for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to cooperate will result in a complaint being filed within 10 days.
Consumer complaint received 2024-02-23
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. (SC)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2019-06-05
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: Diversified Consultants, Inc. (CA)

Earlier this year I got a copy of my credit report and saw that my report included a collection for XXXX XXXX XXXX for XXXX in the amount of {$4600.00} for an account that was opened on XX/XX/XXXX, i disputed the account and later was updated to show that it was opened on XX/XX/XXXX. I have never had an account nor applied with XXXX for any services. When i called XXXX XXXX to obtain information and dispute the collection, they asked me to verify my identity and provide them my information which i did do, they then repeated to me the information they had on file - the email address they had is not mine and i did not open the account nor did i authorize for any account to be opened in my name. I asked for information on the account, date time and location of where it was opened so that i could reach out to XXXX and investigate and was told they would send me the information to the address i provided at that time. I received a bill in the mail from them for this instead of a dispute or investigation. I was told that i needed to pay for a notary to notarize a statement and then go to the police department and open a police report for this. I have no information on the person that opened the account nor was i given any information to report besides what is on my credit file. i need this unauthorized account to be removed from my credit report and to be investigated. I also need information that i had requested previously for my records. I do not have any documentation or emails on this account and have been told i can't have it removed if i don't have paperwork- i wasn't even aware of it until i checked my credit this year. How do i dispute this invalid account?
Consumer complaint received 2019-08-09
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. (HI)

I did not authorize anyone employed by XXXX, and XXXX XXXX XXXX to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Consumer complaint received 2021-01-25
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. (NJ)

HI I have some items on my credit file that is on their and I need deleted. I seen these items on my report. I am also am a victim of identity theft. And these things on my report I did not charge or open. 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. I will hope you remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. I am father of XXXX kids and these fraudulent items will hurt me to provide as father. so please help me while I move froward with helping my family thanks
Consumer complaint received 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

The school I attended was XXXX XXXX of XXXX XXXX in 2009. the schools tuition was about XXXX. I felt like the program wasnt true to their word because I never got to start a career in my field. I am struggling to pay back a loan for a school that didnt live up to the requirements nor is not even open anymore. XXXX took out 3 loans 2 with navient bka XXXX XXXX and XXXX XXXX XXXX  now now under a new name. The XXXX loan I have paid off but navient keeps taxing on interest that im going to be stuck with forever paying off this loan and I feel like the school was a rip off and I shouldnt be paying on it. Its also hindering me from getting things done as it brings my credit score down terribly.
Consumer complaint received 2021-08-14
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. (NJ)

I mailed multiple disputes letter to XXXX, XXXX, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.
Consumer complaint received 2022-08-11
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 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 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/21 sent a letter request validation for an alleged debt. It has been more than 45 days and I have yet to received any response from the credit bureaus or the credit card company.
Consumer complaint received 2021-05-23
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. (PA)

I have disputed account U.S Bankruptcy Court Ref # XXXX XXXX XXXX XXXX PENNSYLVANIA with Transunion at XXXX XXXX XXXX, XXXX XXXX, PA XXXX or XXXX XXXX XXXX, XXXX, PA XXXX I have Disputed this item 4 or more times with Transunion. I mailed a dispute letter on XX/XX/XXXX and transunion recieved it on XX/XX/XXXX. Transunion never responded and claimed they never recieved it already violating my rights as a consumer according to the FCRA, please see tracking below on the attached XXXX receipt with the address oXXXX XXXX XXXX XXXX XXXX, PA XXXX. I then called since the letter did not work to file a dispute on XX/XX/XXXX with a verified response on XX/XX/XXXX but they could not have verified the information or did any real research because XXXX XXXX no longer reports that account. I spoke to three separate supervisors and made another dispute with all three of them. The most recent being XX/XX/XXXX with another verified response. 

I tried to call Transunion with XXXX XXXX on a three way call and they said thety could not speak to XXXX XXXX. XXXX XXXX would have confirmed that they should remove the account. They are claiming XXXX XXXX verified it as accurate however XXXX XXXX has confirmed verbally and in writing that there is no public record on my file. See proof of attached XXXX XXXX report summary showing a deleted bankruptcy account. XXXX XXXX also submitted two disputes with Transunion directly with no response or change in the reporting. 

I also provided proof from XXXX  and XXXX  showing that they are no longer reporting the inaccurate account regarding this record. Pleas See the attached Reports. 

I also Provided a police report after experiencing this incident once I learned my rights as a consumer under the FCRA.
Consumer complaint received 2020-10-23
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this late however, I have not been successful.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2022-11-18
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$9900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-07-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

I have sent a dispute out to XXXX, Equifax, and XXXX  that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.