davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A XXXX that ends in account number XXXX is Fraudulent and has been reporting on my reports for the past 6 years. 

I have zero knowledge of this account and I even spoke with a representative from XXXX and informed them of this fraudulent information. 

Multiple violations and inconsistencies is showing on my reports and according to 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states this information needs to be accurate, and 15 USC 1681c-2 states the information of any Fraudulent account needs to be blocked in 4 business days. 

XXXX and TransUnion must remove this account from my reports immediately.
Consumer complaint received 2022-07-19
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. (MO)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, EQUIFAX, and XXXX are require to remove any items which were opened without my knowledge, consent or authority. This complaint is to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX XXXX : {$470.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2024-02-14
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 2022-08-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have sent letters to Bank of america to advise them of a someone trying to get a credit card in my name I have repeated sent letters to XXXX XXXX and XXXX also and they will not remove it they said only Bank of america can remove it and they are refusing to do so even through I sent then the proof of the id theft from the idtheft.gov
Consumer complaint received 2022-07-19
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. (MO)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, XXXX, and TRANSUNION are require to remove any items which were opened without my knowledge, consent or authority. This complaint is to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX : {$470.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2023-03-28
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. (LA)

I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by Transunion and XXXX, while XXXX reported it as a credit card account. Moreover, TransUnion reported a {$0.00} monthly payment, while XXXX and XXXX did not disclose it. TransUnion and XXXX also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and XXXX. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (MA)

I refinanced my Chase Auto loan to XXXX. XXXX sent payoff to Chase via XXXX  and it was received on XX/XX/2021 ( tracking and proof of delivery attached ). Chase has been unable to locate the payment and has not processed the payoff check despite multiple calls and providing all requested info.
Consumer complaint received 2024-02-26
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: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I dont recognize this inquiry by this lender, and I dont remember authorizing them to perform multiple hard inquiries on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Consumer complaint received 2022-07-19
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (MO)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) EXPERIAN, XXXX, and XXXX are require to remove any items which were opened without my knowledge, consent or authority. This complaint is to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX XXXX : {$470.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2022-07-19
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : EXPERIAN XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-08-08
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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor.The following inquiries were not authorized for any permissible business purpose : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Great American Finance Co (FL)

I have a loan with GREAT AMERICAN FINANCE XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GREAT AMERICAN FINANCE XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and GREAT AMERICAN FINANCE XXXX with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2022-08-24
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. (IL)

XXXX, XXXX, and Equifax are reporting inaccurate and unverified information to my consumer report without my written consent. I have also been affected by the recent news of inaccurate reporting from Equifax.
Consumer complaint received 2023-03-28
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)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (LA)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX Date of inqXXXX 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 ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase bank closed all my accounts without giving me a reason why. 
my family and i have the following accounts at chase : - 2 business accounts that operate legitimate, profitable businesses - a personal checking account - a savings accounts - a roth IRA account - 2 investment accounts - three 529 Plan accounts for my children. 

they claim they are " discontinuing '' our relationship with them, but have not given us a reason why.
Consumer complaint received 2022-07-19
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. (LA)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.