davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have a invalid entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their negative accounts. I want to know this information because these accounts keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. I have contact all involved parties the credit bureaus and companies to have accounts removed ; provided proof of payment and payment history. Proof is also attached to this complaint.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-02
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)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Fraud Dispute Name : XXXX XXXX XXXX : XX/XX/XXXX Social Security # : XXXX To whom it may concern, Subject : Fraudulent Items on Credit Report ( Transunion ) As I reviewed my recent credit report I have discovered that there are fraudulent activity ongoing with my credit. I have fully reviewed my credit report and would like to request that the items listed below be removed pursuant to federal law. 
I am demanding that these items be removed immediately as I am providing you with my proof of identity, police report, and identity theft affidavit. I will not hesitate to file a lawsuit if these items are not removed within 30 days. 


ACCOUNTS TO BE REMOVED : XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT BALANCE : {$19000.00}. DATE OPENED : XX/XX/XXXX. 
XXXXXXXX XXXX XXXX. ACCOUNT # : XXXX. ACCOUNT BALANCE : {$46000.00} DATE OPENED : XX/XX/XXXX. 
XXXX XXXX ACCOUNT # : XXXX. ACCOUNT XXXX {$4000.00}. DATE OPENED XX/XX/XXXX. 
XXXX XXXX. ACCT # : XXXX. BALANCE {$3800.00}. DATE OPENED XX/XX/XXXX. 

XXXX  TO BE REMOVED XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ). ACCOUNT # : XXXX. ACCOUNT XXXX : {$420.00}. DATE OPENED : XX/XX/XXXX. 

INQUIRIES TO BE REMOVED : XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX XXXXXXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
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. (TX)

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 XXXX 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 2024-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

After careful review of my credit report transunion and the debt collection has placed an account on my credit report that is inaccurate Ive requested both parties to validate debt the accounts should be removed promptly it affecting my credit report and violation of fcra rights.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( XXXX ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : TransUnion XXXX XXXX XXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX {$40000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following addresses are a result from fraud and identity theft. the following addresses and variations are NON MAILABLE ADDRESSES and inaccurate information. 

ADDRESSES XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX the correct address is : XXXX XXXX XXXX XXXX, XXXX DUE TO THE INACCURACIES, THE CREDIT REPORTING AGENCIES ARE FAILING TO REPORT MY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
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. (GA)

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the three bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me
Consumer complaint received 2024-09-02
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. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-02
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (MI)

My XXXX XXXX ( Comerica Bank ) card was debited for {$900.00} twice on XXXX-19. Both charges were paid to XXXX XXXX in South Carolina. I live in Michigan and did not make or authorize my card for these transactions and have never had a XXXX account or used my card in South Carolina. My card was still with me in Michigan when this fraud occurred. When I tried to report this fraud at the phone number on the back of the card I was only able to reach a recording telling me to try again later! It took dozens of calls and several hours to finally be able to get through to have the card cancelled. I reported the two fraudulent amounts totaling {$1800.00} but only received one temporary credit to my account for {$900.00} on XXXX-19. However, that temporary credit was reversed on XXXX-19 at about XXXX hours without any notice or explanation and just before the next direct deposit to my account on XXXX-19. XXXX XXXX did return {$890.00} on XXXX-19. I was also charged a fee of {$1.00} for transferring the balance of my account on XXXX-19 to prevent any further fraud when I was unable to contact XXXX XXXX to cancel the card. They also charged me {$15.00} to expedite the replacement card even though I told them on the phone I would not pay for expedited shipping! It has been 35 days since the fraud was reported and XXXX XXXX still has not given me back the {$930.00} in fraudulent charges plus fees they still owe me. It is almost impossible to communicate with them because they do not return calls or emails! The Federal Government should cancel the contract they have with this company and prosecute them to the full extent of the law for violating Federal laws. They are taking advantage of Veterans, XXXX and elderly clients who can least afford this grief and aggravation. To abuse the most vulnerable in our society in this way is a disgrace and morally reprehensible.
Consumer complaint received 2017-02-13
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (NJ)

I made a debt purchase at XXXX. I decided to return the purchase but did not have my debt card I used to pay for it. They informed me as long as I used a debit card the refund should go through fine. Netspend reporded the return as fraud. I emailed them the receipt I had as proof it was a transaction I did yet they claim to be unable to release my money. Their claim is that my only option is for the store to certify the return and the netspend will send them funds ( reverse return ). Store claims this is not an available option once the merchandise has been returned. I have been going back and forth with Netspend for a year now to close my account completely. I have run out of options and patience.
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SMS Check Recovery LLC (TX)

Someone from " SMS Recovery in New York ( although I only know that by calling back ) says they have legal papers to delivery and want to set an appointment to bring them to my daughter 's house ( they keep calling her, my wife, my other daughter, my son, my son-in-law .... ) otherwise they will have to bring them by where she works. We have no idea what they are talking about and will only give us additional information if my daughter gives them her personal information. The Caller ID that comes up whenever they call is a fax machine for XXXX XXXX XXXX in XXXX, Texas. I called the XXXX ( the number left by " XXXX XXXX '', answered by " XXXX '', who told me the company and location but refused any other info unless I let him talk to my daughter. Not happening!
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

on XXXX XXXX at at approximately XXXX hours I called miland credit mangment at q about a item on my credit report.Their representative inform me that he could not verify the debt until I pay {$1.00} and that he need a credit card to place the dollar on it. At which time I informed him I never heard of a company charging for a validation letter. I than end the call and look up my right a consumer.
Consumer complaint received 2024-09-02
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. (DE)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2019-03-04
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: VW Credit, Inc (TX)

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
Consumer complaint received 2024-09-02
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. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-02
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. (FL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-02
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have file complaint to remove hard inquiry from my report due to error from XXXX XXXX XXXX XXXX They have sent request to remove credit inquiry from XX/XX/2021 but that is not done yet. Only XXXX have removed inquiry yet XXXX and Equifax did not remove it.
Consumer complaint received 2024-09-02
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 am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.