davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting 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. (NC)

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.
Consumer complaint received 2016-11-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Maury Cobb, Attorney at Law, LLC (CA)

We were pre-approved for a service many years ago, and just recently ( 2 years ago ) when we went to do a refinance we were notified that we had a debt from the banker not the collection agency. Then I followed the steps to prove I do n't owe, and I got a voicemail saying the claim has been paid, and I do not owe anything. Recently I was called again saying only part of it was paid and I still owe money. I asked for verification of debt and have not received anything. I last requested and explanation of benefits vial emai as I was told to do on XX/XX/2016 and then spoke with XXXX from Maury Cobb again on XX/XX/2016. I do n't have any bills to reference because no one will send me any information just a few reference numbers.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-31
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2024-10-13
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)

I recently reviewed my credit report and noticed an account that appears to be fraudulent. This account is inaccurate and is negatively impacting my credit score, thus affecting my ability to obtain credit. I did not authorize this account, and I am requesting its immediate removal. 

Please take the necessary action to correct my credit report. Thank you for your attention to this issue.
Consumer complaint received 2017-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc. (NC)

This company is using robo-call and ghosted number calling our business trying to collect debts from consumers. Their info is below WE ELIMINATE BAD DEBT! 

ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX About ONLINE Utility Providers Property Managers Mortgage Lenders XXXX Providers Other Industries Contact What 's New? 


The XXXX XXXX XXXX Announces Integration with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


View All What 's New Items Contact Information PHONE : SALES : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Inquiries : ( XXXX ) XXXX CREDIT REPORTING XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Mortgage Reporting : ( XXXX ) XXXX MAIN NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ADDRESS : ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Customer Testimonials " XXXX decreased our bad-debt write-offs!! '' - XXXX XXXX XXXX XXXX XXXX XXXX is committed to providing timely answers to questions we receive from our clients and consumers. To help us serve you more efficiently, please click the appropriate link below : Interested in Services?
I am a Consumer I am a Client Current News The ONLINE Rental Exchange is at the XXXX XXXX Users Connect Conference This Week! 
The ONLINE Utility Exchange is at the NEPPA Annual Conference This Week! 
Visit the ONLINE Rental Exchange at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Show! 
Visit the ONLINE Rental at the XXXX XXXX XXXX XXXX XXXX! 
The ONLINE Rental Exchange is Exhibiting this Week at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show! 
Visit the ONLINE Rental Exchange during the XXXX XXXX XXXX Annual Conference and Exhibition! 


View All News Releases Events Error has occured while trying to process XXXX : XXXX? XXXX Please contact web-master View All Events Site Map XXXX Employment | Consumers | Become an Integration Partner! XXXX Privacy Policy Copyright XXXX - XXXX ONLINE Information Services, XXXX All rights reserved. 

XXXX XXXX XXXX XXXX XXXX CDIA visa_image master Card Image
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

When requesting a report from Equifax, I consistently receive a hard time regarding verification of MY PERSONAL REPORT. The information they have is NOT accurate and they require me to send and re-send documents only to repeat the same issue. 

Previous complaint still applies : Have been going back and forth with Equifax. They have 2 credit profiles for me, in which I have sent in my passport, and SSA letter with my address. I have in the past had my wallet stolen, however, I have sent in documents VERIFYING my identity. There should be no confusion as the documents come from the federal government. EQUIFAX refuses to update and correct erroneous information, although, I have a copy of my report from XXXX. When calling, each agent has asked general question about my profile : do you have a charge card, if so how much is the repayment? Once I answer their questions based on the report generated from Equifax, they still tell me Im incorrect. I have faxed my supporting documentation to XXXX XXXX, and the complaint department.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-07-14
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. (CA)

After recently starting to seriously work to clean up my credit report I began with the worst item, a bankruptcy on my report. I wrote three letters to XXXX requesting that they verify a bankruptcy on my credit report for the purpose of deleting said bankruptcy. Each time I was told the information they had, had been verified. I 'm certain they used the XXXX verification, probably by XXXX XXXX. I also know for a fact that Superior Court does not share information with third parties. And I also know that with the millions of credit reports they monitor no one from the credit reporting bureau physically drives to the courthouse to collect information about a bankruptcy in order to verify it. So XXXX has sent me my credit report first and two letters afterwards where they stated the bankruptcy was verified and no change was made.
After 1st letter 1st response by XXXX XXXX XXXX, 2017 was to send me copy of credit report ; said I asked for it but I did n't.
2nd letter to XXXX response bankruptcy verified after investigation ; XXXX XXXX, 2017 3rd letter to XXXX  response XXXX XXXX, 2017 ; again verified the bankruptcy after investigation and still no change made to my credit report. I know I can file a small claims suit against XXXX but I can not afford to do this. XXXX does not have the legal right to retain this bankruptcy much less report it. Is there a way for you to intervene on my behalf so I can get this bankruptcy deleted once and for all? I would appreciate any and all support you can give me in order to make this right, Thank you.
Consumer complaint received 2017-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Please see CFPB complaint number XXXX that was just filed on XXXX XXXX 2017. That complaint only covered 2 of the entities involved in this debt collection complaint. Please use the material and information provided in that complaint file # XXXX in conjunction with this filing as they are one in the same.
Consumer complaint received 2024-10-13
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. (CO)

I SENT DISPUTES IN 0VER 7 WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG 3 DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE LOANS WITH ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER LATE ON ANY PAYMENT SINCE HAVING THESE LOANS. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY. AGAIN, I WILL START LITIGATION IF THESE DATES ON THESE ACCOUNTS ARE NOT UPDATED TO PAID ON-TIME, NEVER LATE.
Consumer complaint received 2024-10-13
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. (PA)

XXXX XXXX I never applied for any credit card with XXXX XXXX  in which shows on my credit file in Hard Inquires. 

XXXX fraud has impacted my credit score. 

XXXX XXXX all so needs to provide and all documents to this transaction of some one applying for credit card in my name in which i never applied. 

I all so had another Bank credit card applied week after same month
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-13
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. (CA)

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 2024-10-13
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)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2024-10-12
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. (NY)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

my account with XXXX XXXX XXXX was never late. i have had an exceptional payment history with XXXX XXXX XXXX and all payments were on XXXX. this late payment that is reporting is a result on a systematic error on their end processing my payment. this was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC 1681eb. this error has caused severe harm to my reputation, my character, my mode of living and to my family. 

I demand the late payments reported in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to be removed. 

They are not in compliance with the following law 15 USC 1666b and its requirements st the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they DID NOT COMPLY with the LAW.

15 USC 1666b ( a ) TIMING OF PAYMENTS : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that creditor has adopted reasonable procedures designed to ensure that each statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT LATER THAN 21 days BEFORE the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith PURSUANT rule 1002 and it was never provided. 

this is unfair, illegal and fraudulent, and not equitable to me as a consumer.
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. (FL)

Transunion continues to report Department of Treasury account XXXX as derogatory. This account is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this Department of Treasury account.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (AR)

The receivable management is trying to collect a debt from me, XXXX XXXX, inside the state of Arkansas where they are not licensed nor bonded which is against the law. I would like for this to be removed from my credit report immediately and for them to cease contact with me.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (IL)

XXXX XXXX failed to follow the provisions of Regulation X of RESPA. They never provided XXXX XXXX with the Post Foreclosure Referral Notice required by 12 CFR 1024.39 ( b ), they never made the live contact with XXXX XXXX required by 12 CFR 1024.39 ( a ), and they " dual tracked  '' XXXX XXXX ' loan by simultaneously advancing foreclosure while he was in review for loss mitigation.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have XXXX items on my credit report that was n't opened by myself and I do n't have any knowledge of these account they were open during the time I was incararated. XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-08-31
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: Santander Consumer USA Holdings Inc. (NY)

Santander consumer USA claims I owe them money for a vehicle they repossed and sold and claimed I did n't owe anything. Then I started receiving harassing calls and letters stating I owed fees and surcharges. I have contacted them and even offered to pay the money I do n't owe if they promise to remove the information from my credit and they refuse to cooperate.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX