davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I obtained my credit report on line. There is U.S. Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stating that they do not provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Also per 15 USC 1681s-2 " A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Can this item please be removed immediately
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-29
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: Jon Barry and Associates, Inc. (TX)

DBA Paragon Revenue Group has reported medical bills on all three of my credit reports in XX/XX/2018 in the amount of {$1100.00}. 

I have sent a letter to all three credit bureaus and it has remained on my credit report.
Consumer complaint received 2022-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (AK)

My identity was stolen somehow. The person or persons responsible for stealing my identity set up a line of credit and a personal loan in my name with a company called UPGRADE. UPGRADE approved the loans, and a Bank named XXXX set up an account to finance the loans. I have tried to reach out to UPGRADE numerous times via phone calls to their claims department and the email address that they give on a recording. No one has ever responded to any of the emails that I or my XXXX representitive have sent them. I have been dealing with this since XXXX. I work really hard on keeping my good credit. UPGRADE and XXXX BANK really need to figure out a more secure way to get customers. Please if you can HELP ME get these two businesses to cancel the accounts and send off the proper paperwork needed.
Consumer complaint received 2024-02-09
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is an ongoing and continued fraud being carries out by XXXX, Equifax and XXXX. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and Equifax has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my Equifax credit resulted in a report from Equifax on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In ordnance with the Fair Credit Reporting Act XXXX has violated my rights. 
Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-03
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: Resurgent Capital Services L.P. (NJ)

I have no knowledge of the account I keep disputing account and no response .LVNV funding LLC {$1100.00}
Consumer complaint received 2021-11-03
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: Experian Information Solutions Inc. (SC)

XX/XX/21 - I disputed inaccurate listings in my credit reports which included an incorrect social security number ending in 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, Experian, and XXXX through letters I XXXX to the credit bureaus. XX/XX/21 - I had not received one response from any of the 3 credit bureaus so I sent another 3 letters to each of the credit bureaus disputing the inaccurate information in my reports. XX/XX/21 - I still had not received one response from the credit bureaus so I sent another 3 dispute letters to experian, XXXX, and XXXX. This is ridiculous! According to the law, the credit bureaus have 30 days to respond to my disputes but, it's now been over 4 months and still not one response. I want you guys to do your job and enforce the law! Please have the credit bureaus remove the inaccurate listings in my reports, including the removal of the incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, the 30 day late payment from XXXX  XXXX XXXX # XXXX XXXX and the 30 and 60 day late payments from XXXX XXXX XXXX # XXXX and fine the credit bureaus so they stop ignoring people who are trying to fix the mistakes that the credit bureaus have made.
Consumer complaint received 2024-02-09
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} ; XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-13
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 acct XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have a right to privacy.

15 U.S.C. 1681 section 604 A, also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-13
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX  acct XXXX XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have a right to privacy. 
15 U.S.C. 1681 section 604 A, also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-09
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. (NY)

Fraudulent accounts & Inquires reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$640.00} XXXX & XXXX Original creditor XXXX  Balance {$1000.00} ance : {$11000.00} XXXX XXXX Balance {$11000.00} XXXX inquiries XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX & Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-02-09
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. (PA)

I think FCRA 605B says wrong accounts got ta go from credit reports. I don't know what's up, but check the docs for messed-up accounts. They're not right on my credit report, and it's making me upset and sick. Can you help?
Consumer complaint received 2021-02-24
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. (IL)

XXXX - I called XXXX to remove an inquiry that was previously deleted and placed back on my account without proper 5 day notice. The inquiry was placed back on my account on XX/XX/XXXX from XXXX XXXX. 

Experian & XXXX - I have sent in police reports FTC reports Identification as well as Utility bills to remove incorrect addresses from my Experian Account and they have yet to be removed after months and several times resending documentation and receiving verbal confirmation that they would be removed. The addresses as well as other info that is inaccurate and needs to be removed is as follows. 

" XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX,
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

I purchased a XXXXXXXX XXXX  XXXX on XXXX XXXX from XXXX XXXX XXXX. Westlake Financial Services was appointed to be the financier for the vehicle. I paid {$750.00} as a down payment and signed the Sales Contract on XX/XX/2021. I have not received the paid license plates to replace the expired dealer tags, no billing information for the upcoming monthly car payment of {$320.00} scheduled for XX/XX/2021. This information was outlined in the signed sales contract. 

I was advised over the phone yesterday XX/XX/2021 from XXXX at XXXX Eastern time. Westlake Financial Services is no longer the Lien holder of the vehicle. I received no follow up or updates for the car loan. The dealer XXXX XXXX XXXX might try to tow or commit ( Larceny ) to my vehicle, and possibly cause damage in the process. I need to know which finance company was the vehicle loan sold too, and an account number given, so I can make my first monthly car payment on time? 

Their cooperation will be greatly appreciated! 

Dealer/Seller : XXXX XXXX XXXX XXXX XXXX Buyer/Customer : XXXX XXXX XXXX Lien holder/Financer : WestLake Financial Services -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Attached is a copy of my identity theft report with all listed fraudulent accounts on my transunion credit report it is against consumer law to report fraudulent accounts on consumers credit report Transunion fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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 2020-12-07
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$19000.00}, {$25000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4300.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

4. XXXX/XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- OTHER ACCOUNT 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2015-07-31
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF HAWAII CORPORATION (HI)

I needed to send money to my boyfriend who is currently in XXXX. He has to pay some fees to the XXXX government. But my boyfriend has no bank account in XXXX to receive my wire transfer. He ca n't open one because of lack of requirements being a foreigner there. So he asked help from a friend. This friend gave him a name and details of his friend in XXXX, XXXX who will receive the wire transfer money from me. Once the beneficiary receives the money, he will call my boyfriend 's friend to confirm that he receive the money, only then will my boyfriend 's friend will deliver the money in XXXX to my boyfriend. That was the arrangement when I asked my boyfriend on how could he get the money. So on XXXX, I sent a wire transfer in the amount of {$12000.00} to XXXX XXXX to his XXXX Bank account in XXXX. But after an hour or two, I received an email from my boyfriend 's friend for me to cancel the wire transfer. So I called my bank to cancel the transaction but the bank said it was already debited from my account and was already sent to XXXX Bank. So my bank called XXXX Bank to request for a call back funds. 
XXXX Bank confirmed that the {$12000.00} that I sent was credited to XXXX XXXX 's XXXX Bank account. But because XXXX Bank can not get hold of XXXX XXXX, XXXX Bank closed his account so that he could n't withdraw the money. 
XXXX persons from XXXX Bank called me and verified if I was the sender by asking questions regarding the wire transfer and I answered them all. 
Every time I made a follow up, my bank said they have not received a response from XXXX Bank. I was too worried because my boyfriend needed the money. 
So on XX/XX/XXXX, I sent a letter to XXXX Bank to please send me back the money. But XXXX Bank did not reply. Again on XX/XX/XXXX, I sent a follow up letter but still no reply. 

Please help me recover my {$12000.00}. I just borrowed that money from a close friend. Hope you can help me.