davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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. (IL)

XXXX XXXX XXXXXXXX this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Consumer complaint received 2024-02-07
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account numbers XXXX and XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kirschenbaum & Phillips P.C (NY)

On XXXX//XXXX/2018 my daughter informed me that {$3000.00} was being held from her bank account because of a court order. After calling her bank we were informed that XXXX XXXX on had a court order to collect funds from a judgement but instead of going after me ( My money is exempt from collection because it 's a pension ) they went after my daughters account which was money from her XXXX student loans and financial aid. My daughter is XXXX. They account was opened when she was XXXX. 

I never received a copy of a complaint, nor any judgement paper work. I had no i idea about this. I was never served with a summons
Consumer complaint received 2015-07-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit rep I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit report around XX/XX/XXXX. I tried to contact the Company to get additional information. They were not able to supply me with anything. I told them I was on a XXXX, the information showed up on my credit report without warning. I was not given the allotted time to resolve the issue prior to having it showed up on my credit report as I was on a XXXX.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Im trying to apply for loan and the rep refuses to correct my information.They put make XXXX a year when I make XXXXThe company is giving runaround. I asked multiple times seems they dont understand English.They told me falsified income asked them to correct it they refused.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX  was removed from your credit report. But upon viewing a recent copy of my credit report with Transunion it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX  who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?
Consumer complaint received 2024-02-08
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)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 
- XXXX XXXX  # XXXX Date : XX/XX/2024 Amount : {$800.00}
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-02-07
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)

XX/XX/year> TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : Reinstatement of Fraudulent Account Dear TransUnion compliance officer.

This is a final notice regarding my Identity theft issue. I have file multiple disputes via certified mail and with the CFPB with no resolution in this matter. Today as I reviewed my credit report, I notice an account that was deleted due to Identity Theft was reinstated on my credit report. I believe that Transunion have failed to permanently block these accounts to prevent them from being re-reported. TransUnion has violated the FCRA several time. Willful non-compliance.

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. I would like to point out that these accounts were the result of Identity Theft and under FCRA 605 ( B ) I am entitle to the block.

TransUnion sent me a letter dated XX/XX/year> that as a result from their investigation the account were deleted. See attachment. 

PLEASE PERMANENTLY BLOCK THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also file a direct dispute with TransUnion via phone. Spoke with a Supervisor XXXX who said that there is nothing he can do, and that the investigation will take XXXX days although this was already deleted from my file.
Consumer complaint received 2024-02-07
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. (IL)

these accounts were not mines XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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.

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 2024-02-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-08
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)

Per 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 authorize XXXX XXXX XXXX XXXX XXXX nor any Credit Reporting Agency to report any late payments to my report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report 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. 

My request is to delete the late payments from my consumer report, being that XXXX, XXXX, XXXX, and Transunion is in violation of 15USC 1681. 

XXXX acct # XXXX
Consumer complaint received 2021-08-31
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)

XXXX  XXXX XXXX XXXX {$1300.00} I have filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$3000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$3300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$1000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX {$950.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX {$2900.00} I filed an ftc report and spoke with the creditors and they refused to remove it. XXXX Bank XXXX XXXX {$1600.00} I filed and ftc report an spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX  XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX $ I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXXXXXX XXXX {$300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$750.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$20000.00} I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. U.S. Bankruptcy Court XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX {$440.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

The Wells Fargo Bank have a credit card on my credit report saying it belongs to me but i have wrote letters explaining this is not my account no action has been taken to remove this account from my credit report. They say the account was opened XXXX XXXX, 2013 and the debt claiming that I owe is XXXX dollars. I checked with the main 3 credit bureaus and out of the three XXXX is the only bureau with this wrong info on my reports, therefore my reports are not matching up.
Consumer complaint received 2018-01-23
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: JPMORGAN CHASE & CO. (CA)

XXXX XXXX sent my credit information to various banks without my consent giving me more than XXXX hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OH)

XX/XX/XXXX, I paid {$89.00} to XXXX XXXXXXXX XXXX per XXXX XXXX for prorated rent due to move out. XXXX XXXX was provided notice that I was moving from the premises on XX/XX/XXXX. XXXX XXXX submitted a document to National Credit Systems claiming that I owe for a prorated amount of {$45.00} and an additional {$370.00} for XXXX rent. They had taken my security deposit of {$280.00} and added a 2 % interest rate from XX/XX/XXXX - XX/XX/XXXX of {$22.00}. Which results in a {$100.00} account balance. At no point is the {$89.00} taken into consideration, much less the fact that I moved out on XX/XX/XXXX, not XX/XX/XXXX. Furthermore, the ledger is not signed by XXXX XXXX, the XXXX responsible for submitting the debt and the rent amount listed is incorrect. I reached out to XXXX XXXX Systems and requested they validate the debt. They claimed they would validate it, but never got back with me in those regards. Attached will be the documents to support my claim for the dispute.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XX/XX/XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (TX)

LISTED WITH XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX LISTED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX   OPENED XX/XX/XXXX LISTED WITH XXXX XXXX XXXX I OPENED XX/XX/XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP
Consumer complaint received 2024-02-07
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. (GA)

I RECENTLY REQUEST INFORMATION FROM TRANSUNION AND XXXX FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND BY THE FCRA, 15 USC 1681i ( 6 ) ( b ) ( 3 ). I HAVE COPIES OF EACH ACCOUNTS THAT I HAVE ATTACHED BELOW