davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-02-25
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: TIDEWATER FINANCE COMPANY, INC. (VA)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-02-12
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)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2024-02-12
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One credit card- there was a few fraudulent charges made by someone to XXXX I spoke with customer service on XXXX occasions and explained that I did not make these purchases, in fact I had yet to use the card at all as it had just arrived in the mail. On XXXX occasions I was assured the charges would be reversed due to fraud. I spent at least XXXX  hours on just the first phone call- the length of time spent by me to resolve this is not appropriate for a credit card company. I continue to receive notices for payment plus late fees. I cancelled my card due to the frustration.
Consumer complaint received 2020-02-25
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. (WI)

We have contacted both XXXX XXXX XXXX XXXX of XXXX, WI and they have assured us this has been resolved and would be removed from their records. It has never happened. We are trying to dispute this through Experian and Experian claims they can ever only once process a dispute. The last time was a year ago?
Consumer complaint received 2024-02-12
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 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 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 2024-02-12
Product: Credit reporting 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. (AR)

I am submitting a follow-up complaint today to apprise you of my ongoing issue as a victim of identity theft. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report # XXXX. Enclosed, please find the attached documents aimed at facilitating the removal of erroneous information and fraudulent inquiries currently appearing on my report. Below is a list of items that either do not pertain to me or were opened without my consent : -- -- -- -- -- -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items in the file of a consumer identified as stemming from an alleged identity theft within four business days of receipt.
Consumer complaint received 2024-02-12
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. (KY)

I have XXXX XXXX XXXX  on my credit report that is false and illegal to report according to 15 U.S. Code 1681a. I did not give written consent or any consent for it to be reported to all credit bureaus. This inaccurate debt i do believe was on or around year XXXX. This inaccurate report is illegal i never even had a debt with XXXX thats a third party company which seems like to me they bough the debt so its now paid. They seem to be coming after me to pay them when im under no legal contract with them what so ever. It needs to be resolved immediately or i will be forced to take legal action against this company and the credit bureau company.
Consumer complaint received 2022-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (GA)

World Finance XXXX World Finance Corporation continues to increase balance of charged off account. Per 15 U.S. Code 1692f - Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Screen shots are included.
Consumer complaint received 2020-05-23
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: BANK OF THE WEST (CA)

I filed a dispute with customer service a week ago in regards toan airline ticket i purchasedfrom XXXX XXXX, they canceled the trip, i triedto resolve this with them but i couldn't, i called Bank of the west customer service, i couldn't get any resolution or refund
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I, XXXX XXXX XXXX, a US Citizen, and a consumer whos consumer rights are protected by 15US code consumer laws. I recently received a copy of my consumer report and found that my consumer rights have been violated under the law. XXXX XXXX XXXX  account number XXXX has furnished late payments on my Transunion consumer report in XXXX XXXX and XXXXXXXX XXXX XXXX This is a clear violation of my consumer rights by both XXXX XXXX XXXX  and Transunion. 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code clearly states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I gave no permission or consent verbally, written, or electronically to furnish these alleged late payments on any of my consumer reports. Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of Construction- Exclusions from a consumers report clearly states. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeA consumers transactions are excluded from consumer reports. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete these alleged late payments on this account for this is a direct violation of my consumer right under this law and is grounds for legal action against all parties involved. Failure to respond to my demand under the law in 30 days or less will result in legal action for which I will be seeking damages of {$1000.00} per violation. 1 ) Defamation of Character 2 ) FCRA 15 USC 1681 violations for willful non compliance -616 Civil Liability for willful non compliance under 15 USC 1681n Please Understand these actions taken by these companies to furnish then report these marks have harmed my credit and reputation and my ability and freedom to bank, do business with, obtain funds, be approved for credit at low interest rates and to buy or move into a better place for me and my family. Please address this in a timely manner under the FCRA. Thank YOU
Consumer complaint received 2022-08-07
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. (MO)

I HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX  ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX  ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX XXXX XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXX  ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK YOU
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I have tried to explain to this debt collector on behalf of XXXX that I never ordered services. I investigated and it was a family member that accessed my information for the purpose of getting cable service. I never authorized this service and was then told that it was paid by family member. Unfortunately, this family member has left the country since late last year and I have no contact with him. I am now stuck with something that is not mine. I need this removed from all credit reports. Thank you for your assistance. 
XXXX XXXX XXXX
Consumer complaint received 2016-01-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

My Mortgage serving was bought my chase after Washington Mutual failed. Since then I have had much trouble in securing information from Chase. Every time I ask for information from Chase they send it to my old attorney ( XXXX XXXX ) who is off the case since XX/XX/2015. Some information has been received that is incomplete and inaccurate. XXXX XXXX assures me that he has written to Chase many times asking for this to stop.
Consumer complaint received 2022-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CO)

saw on my credit report I owed Resurgent Capital Services for XXXX XXXX  ( XXXX  XXXX ) credit card. Contacted company and spoke to XXXX XXXX who I told I had already paid this debt thru previous debt collect XXXX and XXXX, but tried to contact them and she informed me they went out of business but that she would resolve. Today I got a letter stating I owe XXXX to Resurgent on behalf of XXXX XXXX XXXX for the XXXX XXXX account that has been paid. I called and they said they were closed for the holiday ( it is XX/XX/XXXX ), left a message. I have the original paperwork that XXXX and XXXX sent me that they seeked a judgemnt thru XXXX XXXX court and my wages were garnished for the full amount of the debt showing on their paperwork. Now this new letter shows a different amount owed and since XXXX & XXXX went out of business or was shut down, I do not know how to prove this other than through my pay stubs which aside from the garnishment amount, I do not want to give them personal bank acct info- I need to know how to get this OFF my credit report as paid. It should be Resurgents responsibility to verify this debt, not me jump thru hoops showing it has been paid. this was done in XXXX per attachments, total garnished matches the paperwork for garnishment from lvnv
Consumer complaint received 2020-05-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (GA)

Good Morning, I am currently a customer of Flag Star Bank. I was in the process of doing a closing with their partner mortgage company. Due to the pandemic I had call them to see what options were available for lowering for information purposes only. They share that I could do a Forbeance program or if I was looking to lower my interest rate I could refinance based on my payment history. At no point did I provide the authority for the company to file under the forbeance program. Lets fast forward to the day prior to closing my agent calls me and advised me that we can not close because there is a note on my account that advises I am on a forbeance program. I called Flag Star Bank and ask them for a letter that states that I did not apply for that because it was interfering with my closing that I had to reschedule until the issue was resolved. I spent on the phone hours asking to speak to a supervisor to get the issue resolved only to be told that they couldnt send a letter and I was gon na have to wait until the letter their legal department was drafting was ready. As it turns out the letter that I received states that I opted out of the program and that isnt sufficient and have to start the refinance program once again. I am truly disappointed at this company and beyond stressed due to the multiple individuals that I spoke with to try to get this issue resolved. I am currently in the process to refinance again due to their issue on their end. In addition, instead of trying to assist me with the issue some of the agents I spoke with had an attitude. To make matters worst they made it seem like I was the crazy one that applied for this and is asking for an impossible demand. 

I have attached a report from XXXX which confirms that it was an error on their end. Until today I am waiting for an apology. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All Im asking is for this note to be removed from my credit and any history as it was erroneous.
Consumer complaint received 2018-03-14
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: EQUIFAX, INC. (TN)

Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


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 Equifax 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
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. (AR)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. 

I have made several attempts to report and have fraudulent items removed from my credit file, However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

The persistence of these fraudulent items reflects poorly Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : 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 2024-02-12
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. (NJ)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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