davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To Whom It May Concern, I have contacted the Court of Record you list on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letter ) then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations.

Therefore, you could not have possibly verified this information, and I request that you delete the alleged Public Record and provide me an updated copy of my consumer file. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in to comply with federal law. 


I DO NOT WANT A GENERATED GENERIC RESPONSE
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (GA)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and XXXX, and I am pleading with you to remove them immediately.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (NV)

They are insisting that I have owed them a loan and that loan they said has never received or send to me. I have been asking them the receipt or copy of the loan but they never send me anything. All I need to know when they send me the loan and who withdraw that loan money and how much was the amount of the loan.
Consumer complaint received 2024-02-13
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. (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Late Payment {$3000.00} XXXX  XXXX Late Payment {$0.00} XXXX  XXXX Collection {$0.00} XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2021-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-07-16
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)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Frontline Asset Strategies, LLC (TX)

Frontlines asset strategies at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX has been sending me collection notices in the amount of {$550.00} and {$430.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I noticed on XX/XX/XXXX there was a large charge to my Home Depot Credit Card account. I checked my account online and it said I was charged {$2500.00} in interest on XX/XX/XXXX  I immediately called and spoke to an agent to get this issue explained and resolved as they have a COVID-19 policy in place. The first agent was more than happy to assist saying that with the program there was a two month extension. I asked why I was charged so much and for what. She explained I bought a product during a promotion and the interest rate was 0 % for two years but that it was deferred. I explained that is not how the representative at the store explained the program to me at all. They said I had two years of 0 % and then I would pay interest on my balance thereafter. I was then transferred to a second agent who said she could put me in the program but that in order to get rid of the {$2500.00} interest charge I had to pay {$3400.00}. Then on XX/XX/XXXX, I received an email from Home Depot saying I was enrolled into the COVID-19 program and that any promotions would be extended by two months. I called the customer service line again, the representative said I could not have my promotion extended and to get rid of the {$2500.00} interest charge I had to pay {$3400.00} by XX/XX/XXXX. I asked her if I had been paying on my credit card, over the minimum balance, for two years why did my balance for my promotional purchase not decrease? She said that all my payments went to revolving purchases and interest and none of my two years worth of payments went towards my promotional purchase. Now two years later I owe exactly as much as I did when I purchased the product. I did not enroll into the promotion it was going on when I bought my product and there was never an option to opt out, the representative at the store was misleading and/or misinformed about the promotion, credit services did not put a single payment towards the promotional balance and credit services now refuses to help, even just for two months during a pandemic.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MD)

I have A XXXX collection with diversified adj. svc from originator of XXXX but the account does not belong to me and I spoke to XXXX about this account in collections and they notified me that they have no information of this account in my name or responsibility yet it is reporting on my credit report as a derogatory collection account and my only conclusion is this is a fraudulent account
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC (VA)

Hi! 

I'm writing to request that you help me with a situation regarding debt collection that is a result of identity theft. I did not authorize any payments to any of these companies and I do not recognize the Omega Company. I do not recognize any other company that is trying to send me to collections and trying to add a collection record on my credit report. 

I was a victim of fraud and a scam by XXXX XXXX back in XXXX XXXX XXXX and this Company has been harassing me and since then for no good reason. There was no service provided to me and this company collected my personal information, forged my signature on an agreement I never signed, and has been trying to use everything against me. Please help stop this XXXX XXXX and Omega from harassing me all this time.
Consumer complaint received 2020-05-28
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: CBC Companies, Inc. (OH)

I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

Sears is already been paid on full I ask them to deleted they refuse same as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/XXXXXXXX  Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was lost or stolen [ or was used for an unauthorized transactions ] on consecutive dates from dates mid XX/XX/XXXX ; XX/XX/XXXX. I did not authorize any transactions on or after this date, for merchants and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or stolen ATM/Debit Card for unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this account including but not limited to the following : Merchants or Names I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report which includes : my FTC Identity Theft Report the police report about the theft of my identity The CFPBs Notice to Furnishers of Information Account has been closed in XX/XX/XXXX, restore any funds which have been withdrawn from my account from merchants. I have contacted through email and had resolution to my funds being recovered. This will be the 4 th time asking Wells Fargo to take further action to recover my funds. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that any Funds have been restored and because of the closure to account ending in XXXX is closed, please advise me how I will receive my funds. 

Sincerely, Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information [ PDF ]
Consumer complaint received 2018-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i noticed on my credit report XXXX XXXX XXXX  account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being XXXX  Transunion and XXXX. first off XXXX doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong XXXX has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.
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 — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX has not been validated and is currently disputed. 

Have applied for mortgage and is preventing me from being approved. 

This inaccuracy has been disputed for the past 24 months and the creditor has changed dates and name of creditor repeatedly in order to keep erroneous information on all 3 credit bureau reports.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MD)

Chime opened an account under my name using my particulars but did not check my credit report or verify my identify. This meant anyone who had access to my data via a breach could open an account fraudulently. Chime, and its similar competitors, refuse to participate in the XXXX XXXX  or even run identities against credit reports. Had it done so, it would have noticed my credit reports were frozen to prevent new accounts from being opened in my name. 
The phone number and address used are not even associated with me. The only relevant detail was my email, which thankfully a confirmation was sent to me alerting me that an account was opened. 
Currently, there is no mechanism to prevent this fraud for being perpetrated again since all it takes is for a person to have access to one 's biodata. I asked Chime to place an alert on my name so that another account would not be opened in the same fashion but they could not provide me a guarantee since they do not have a fraud process in place. 
They also could not guarantee that no transactions were made and no other banks were associated to the fraud account in writing.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LEXISNEXIS (IL)

We were billed erroneously by LexisNexis in XX/XX/XXXX. Pursuant to our service agreement I sent notification in XXXX XXXX that we would be ending our service as of XX/XX/XXXX. When we were billed in XXXX of XXXX I tried to explain that we should not have been billed because we canceled our services. LexisNexis assured me that this was taken care of but for reasons unknown to me the account was moved to XXXX XXXX XXXX, a collection agency. They are trying to collect {$1800.00} and I asked them validate the debt. They sent the XXXX and XXXX invoices in an attempt to collect the wrong amount.
Consumer complaint received 2019-02-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (MD)

On XX/XX/XXXX this company XXXX XXXX XXXX XXXX repossed my vehicle as I have been working with them to repay my loan and they told me no actions would be taken as they were understanding of the situation on XX/XX/XXXX I tried to contact them and no one would answer the phones this went on for about 10 days then I received a letter on XX/XX/XXXX stating I had until XX/XX/XXXX to come up with over 12,000.00 dollars and I truly do not owe that much as the loan amount was only {$3000.00} and they want four times as much yes my truck is fairly new and I have only had for about a year and have worked very hard to get this truck when I finally was able to contact someone at this office I was told that they could not help and would not tell me any information about my truck where it was they only told me that i had to pay the full amount by the 28th or else and it has been impossible to try to talk with company as no one answers the phone and will not tell me anything about my truck the auction is to happen on XX/XX/XXXX however I feel I don't owe the XXXX only the amount I borrowed and for them to charge this much to a military personal and go against the military lending act of 2006 they really can't hold the title for extending credit to someone this company is impossible to deal with and only want money if you don't have the money they want they refuse to talk to you first they told me that my truck would not repossessed as i was working with and keeping in touch with them and making my payments and I was reassured by several people that my truck would not be repossessed and one week later they took my truck leaving me to find a ride home as I was out at a meeting and the hardship they have placed on me being a XXXX veteran recently XXXX from the XXXX XXXX this whole issue has caused many problems for me and has taken away my vehicle that I need to get my VA   appointments and to school among all the emotional distress and the constant hardship and trying to reach out to these people is impossible and is truly making my life very difficult I know that I'm asking alot for you to do something today as the auction is tomorrow and I don't have {$12000.00} I have {$3000.00} that I borrowed please help as I stated I am a XXXX veteran and served 14 1/2   years in the XXXX XXXX XXXX but due to injuries sustained at XXXX XXXX XXXXXXXX after 2 deployments I truly don't have the means to get {$12000.00} like i said i have the {$3000.00} that i originally borrowed and am willing to paying some of the interest but not at 42 % please help as time of the essence and this company has done this many other soldiers and civilians as well this needs to stop as they are truly a con scheme and they truly don't want to work with you on anything and they are not honest as they lied to me about repossessing my truck please this is my only means of transportation and I can't miss my VA  appoints or school
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: EQUIFAX, INC. (FL)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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