davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
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. (NC)

This is my fourth 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. 
XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Consumer complaint received 2021-03-31
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. (CA)

There are two accounts and 1 inquiry on my credit report that are not mine I have been disputing these for many months and nothing is being done!!! This is clearly identity theft and this is my last hope XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/2020 on XXXX
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. (IL)

On XX/XX/XXXX ( but I have been disputing these items for over a year now ), I sent in dispute letters to the CRAs to investigate information on my credit report. Multiple things were reporting inaccurately, as well as late payments ( which are illegal due to 15 USC 1666B and 1666 ). This violates my privacy to disclose that type of information, and one of them I have never been late ( so I would like to see original document showing that I was late ). The accounts in question ( which I will disclose in the uploads ) are : Transunion : XXXX XXXX  ( reporting late ) XXXX XXXX ( reporting inaccurate information ; not matching up with other agencies ) XXXX XXXX XXXX ( reporting inaccurately ) XXXX ( reporting inaccurately ) XXXXXXXX XXXX XXXX ( this was removed prior and they re added without reaching out within allotted time ; FCRA passed law that prevented reinsertion ) XXXX  ( accounts not listed are the same up top, everything else is new ) XXXX  ( reporting late payment ; want to see original document ) XXXX XXXX XXXX ( 12 CFR Part 1006 is being violated here ) XXXX ( same accounts up top : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also the address XXXX XXXX XXXX XXXX is reporting on my report, I have nothing to do with that address and want that removed please ( I live at XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-03-31
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)

There is 1 account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my equifax report I need this removed as well
Consumer complaint received 2021-03-31
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)

There is XXXX account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my XXXX report I need this removed as well
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX Balance Owed : {$1700.00}
Consumer complaint received 2020-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, I became aware that someone used my email address to create a PayPal account, which they then added my debit card to and processed fraudulent money transfers. I have been locked out of that email account by the identity thief. I have no access to the fraudulent PayPal account, and I can not get in touch with PayPal to resolve this matter. I have attempted to call them three times, and they do not have any live customer service agents to speak with. All the automated system does is direct you to go online to the help center. However, the help center requires that I log into the fraudulent PayPal account to request assistance. As previously mentioned, I did not create this account and have no access to it or the email account used to open it. I have also written a letter to PayPal explaining the situation and requesting a callback. The letter was received by PayPal on XX/XX/2020, but I have not heard from anyone. I just need help from a live PayPal representative to close the fraudulent account and ensure that I do not owe any money.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute the information on my credit report associated with account number. I have recently discovered discrepancies in this account, and after thorough investigation, I strongly suspect that I am a victim of identity theft. 

Account Information : Account Number : Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$6900.00} No. of Months ( terms ) : XXXX High Credit : {$6900.00} Credit Limit : {$0.00} Past Due : {$6900.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) | XX/XX/XXXX ( XXXX )
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have multiple inquiries on my XXXX XXXX that I did not do. I have tried to reach XXXX XXXX and multiple companies to have these taken off. Both of my bank accounts were hacked ( I have went to banks on both of these and they are being handled ) so I know my account was hacked. 
I need these inquiries taken off. 
From dates : XXXX, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 : XXXX XX/XX/22 : XXXX
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

Back in XXXX had had gotten onto a three month plan to help bring my account up to speed. I had previously had issues logging into my XXXX XXXX account as it kept saying it was not a secure network. 

I agreed to an automatic payment plan for three month to be put back on track. The employee accidentally skipped a month of the automatic payments and caused me to show as delinquent still and not following the agreement. 
I called in over the weekend and spoke to a manager who understood what had happened and told me he would mark the account as up to date for XXXX payment once it was made. I asked if I made the payment over the phone that day if it would count for XXXX and he said YES. I verified that I would not owe again until XXXX and he said yes. He stated my next payment in XXXX would be around XXXX dollars or less. 

I checked my account today because I was hoping the late fees or at least some would be forgiven since the employee had made the mistake during set up for the payment plan. I instead saw that I now owe for XXXX still, {$65.00}. 

When I called in I was told that the payment was processed correctly and that I still owe for XXXX. I have been lied to twice by them now whether it was intentional or not about my account and my ability to trust them. I am genuinely trying to turn my life around and fix all of my finances but this company is making me feel very much like they will do anything to hit my credit score repeatedly and hit my account with late fees every chance possible.

I was told there was no note of the manager I spoke to tell me I would not owe again until XXXX. I told the man I spoke to that I was in a financial pinch but that I would make an extra XXXX dollar payment for XXXX early to bring my account up to speed.
Consumer complaint received 2021-03-31
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)

I am very upset there are two accounts on my credit report and 3 inquiries that do not belong to me I need these off my credit this is clearly identity theft and nothing is being done buy the bureaus regarding this after sending multiple letters to them. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  XXXX/XXXX - XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX 2019
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

This company is reporting a fraudulent debt that is not owed to them. I sent debt validation request to the company to provide a signed contract of the alleged debt they sent me a letter which i will attach with a fake address with my name attached. I goggled the address and it didnt come up as a valid address. I have never lived at this fake address that they provided. I contacted the original creditor XXXX XXXX and they stated they couldnt find any information in the system for this fraudulent account. They are reporting this information as a debt owed to this company.
Consumer complaint received 2024-02-14
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. (MI)

I recently received a copy of my Transunion, XXXX and XXXX credit reports, and I noticed some late payments posted on my credit report by the following companies : XXXX XXXX XXXX reported 30 days late for XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX ( reported 30 days late for XX/XX/XXXX ), and XXXX XXXX XXXX ( reported 30 days late on XX/XX/XXXX and 60 days late for XX/XX/XXXX ). These companies are in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW 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 DID NOT give you written instructions to furnish this on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

With that said, I am requesting the deletion of the above late payments from my consumer report. Transunion, XXXX and XXXX are all in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

SinceXX/XX/XXXX I have sent out paperwork 4 times and I have been told thru management that they have received the paperwork and then next week " we didn't get it pls send in again '' I call noone can tell me anything but send it in I ask for name change and dispute some things and find info on how to fix and make my credit better and out of the times I called it was unprofessional unpredictable and stressful XXXX had updated it but the rest of them us giving me problems can someone pls help me in this matter
Consumer complaint received 2021-03-31
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. (CA)

There is one account on my credit report that does not belong to me I have been going back and forth with the credit bureau and nothing has been happening I have opened a FTC report and still nothing I need to know why this is still on my credit report if it does not belong to me. 
XXXX XXXX - Acct # XXXX XXXX {$0.00}
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

Yesterday XX/XX/2022 i was trying to buy tickets to XXXX  concert from what seemed like a fan twitter user account XXXX XXXX on XXXX who said they had 3 Tickets available. They wanted {$250.00} each but i said I couldn't do that much and they said they could go lower. I said i could do {$120.00} each. They sent me a screen recording of the ticket which looked real. 
So they asked could i do {$130.00} each and I said ok and so i zelled money to an email account they told me and they asked for email to transfer the tickets from ticketmaster and i did so. Then they said had to talk to bf and then came back and he said that was too low and asked can i do more. So i said i could do {$30.00} more and they said the bf bank acct messed up and could they send to a phone number that said was an apple pay account and i told them i dont have that. They came back with a different zelle and i sent the XXXX Then i asked them To transfer and 20 Min went by and they said they would. Then they blocked me.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

They keep charging me even the account is close and now they threaten me saying that if I dont pay XXXX $ before XX/XX/XXXX they will take legal action to damage. My credit After this pandemic hit I kept calling them to let them know I am not working and and that I was making my payments but they charged so much interest and fees please help
Consumer complaint received 2021-03-31
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2015-06-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am a XXXX who has banked with Bank of America for more than20 years. In the last year the service charges for banking services that allretailers require have been increased anywhere from 20 % to 300 %. Thesare critical services like cash deposits, coin requests, check writing andcheck deposits, ACH activities etc. Our monthly bank fees, not includingcredit card fees have gone from approximately {$90.00} per store per year one year agto over {$160.00} per store per month this year
Consumer complaint received 2023-06-05
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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC (TX)

This is a dispute that has taken to long on their part not following proper steps. Capitol Jefferson This so called third party. Has not followed basic steps to verify this account. It been removed from XXXX three times. I have not received anything in mail regarding this matter. So after i had them removed from one credit reporting site they add to another site. they have not followed proper steps regarding my credit and has caused me time higher rates and pain. by mid XXXX. I will sue pain suffering and emotional stress I am asking for this account to be removed from all three credit sites asap not causing me anymore suffering if not you will be served. plus i, m submitting a XXXX  report today for the lack of my rights being violated. If i sue i will seek lawyer fees as well remove asap THEY HAVE NOT FOLLOWED ONE LAW WHEN IT COMES TO VERIFY MY CREDIT THINKING THEY WOULD SAY THEY DID THIS BUT THEY HAVE NOT SHOW ME MY VALID DRIVER LICENSE NUMBER VALID THEY CAN NOT SHOW THIS AND IF THEY TRY LOOK FOR VALID DRIVER LICENSE AND PROPER CELL NUMBER AND MY ADDRESS THE ADDRESS THEY CLAIM IS MINE IT IS NOT I WILL SUE COME THE XXXX OF THIS MONTH
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. (NC)

I am a victim of Identity Theft. The following accounts were used unauthorized. 

I AM REQUESTING THAT THE FOLLOWING INQUIRIES BE REMOVED AS THEY ARE A RESULT OF IDENTITY THEFT PLEASSE HELP ME WITH GETTING THEM REMOVED PLEASE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14
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. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX