davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-24
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. (PA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-10-29
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)

Good day, the transactions on these accounts and their respective charges are all fraudulent to which I never benefitted from. I am a victim of identity theft, I have reported this to the federal trade commission but they are not removed from my report which is extremely frustrating, this has negatively impacted my life and my credit score.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 Balance $ XXXX Late Dates XXXX
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

( 1 ) : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

( 2 ) : 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 ( 3 ) : 15 U.S. Code 1681 ( a ) ( d ) ( 2 ) ( i ) : States that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-11-01
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)

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.
Consumer complaint received 2024-10-30
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. (IA)

I am writing to make a final demand for the immediate deletion of the following inaccurate and invalid accounts appearing on my credit report. These accounts are not only erroneous but are also harming my credit profile. I am requesting your urgent attention to this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-11-01
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 am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report following a recent data breach. I am a victim of identity theft, and these accounts and inquiries were not initiated by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent entries be permanently removed from my credit report. 
The following accounts are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-24
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. (CA)

Response has not been received for investigation that yoo received on XX/XX/22 Tracking number XXXX XXXX This has been over 40 days and deletion is now required. No proof that I owe this was supplied to me and must be in this timeframe. Signature and contract must be supplied upon request to verify debt and nothing has been provided.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX admitted that verification was not possible and this is attached. XXXX indicated that the debt was verified and it was not this is a violation of the FCRA. 

Please provided verifiable documentation of XXXX XXXX this has been over 30 days and must be deleted and it is clear that no investigation is going on at XXXX based on the above.
Consumer complaint received 2022-08-24
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXXLate/Closed Late Dates XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXLate/Closed Late Date XX/XX/XXXX
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} XXXXLate/Open Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX-Late/Open Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ 0-Late/Closed Late Dates XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (GA)

Being charged by same company twice. Original company XXXX XXXX XXXX. 
Transferred to Commonwealth Finance on XX/XX/2018. a ) all info seems to be duplicate. b ) I would think insurance would have taken care of this. Ins was with XXXX XXXX XXXX or XXXX XXXX XXXX. If not duplicate, please show difference in charges. Each is for {$250.00}.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-24
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed inaccurate information was reporting to my credit profile. I sent notice to all 3 bureaus in XX/XX/2022 have not received a response in over 30 days.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The reason for my complaint against XXXX XXXX XXXX  and XXXX  regarding my credit card that I got approved for since XXXX until current date, so I have a good standing account no late fees no high balance or money owed on this account with this company they sent me a letter on XX/XX/XXXX stating my acct ending XXXX your account credit limit was decreased from {$1600.00} to {$500.00} limit due to Too many Tradelines reported Delinquent this reason is incorrect they state it is on my Transunion credit report I checked my credit report it says good standing for All my accounts and all mt credit cards has XXXX low balances plus I pay off my credit cards if I use them so Im filing compliant against them XXXX for giving credit then taking it back for false reasons I want this investigated thanks consumer.
Consumer complaint received 2022-08-24
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: Williams & Fudge, Inc (CA)

I am in receipt of the attached sheets of paper from you.I assume this is the response to my request for verification of a debt and proof that you have in your possession that I owe this debt. This documentation is not sufficient to establish that I owe this debt to your organization and must be deleted. Proof that I owe a debt to your organization or an organization that you are collecting for is required or the debt is not owed and not valid. You may present this this in the form of a signature from myself agreeing to the be specifically responsible for this debt or a voice recording of me specifically agreeing to be responsible for this debt. 

Simply supplying sheets of paper that have amounts of money on them does not establish that a debt is owed by me. Simply asking the organization that you are collecting for if this is accurate is also not sufficient, proof must be supplied. 

Please note that 30 days has passed and this proof has not supplied and I assume that it is not in your possession. This must be deleted from my credit reports immediately. I will ask both the state of California and the CFPB to get involved if needed. 

I also note that there is no California License number indicated and it says pending. I believe a California license is required and lack thereof would make collection practices unlawful. Again, this must be deleted or I will have to ask the Attorney Generals Office of California to get involved.

Please also note that credit was not applied for nor granted to either your organization nor XXXX University and therefore may not be reported to a credit reporting agency. You may not report items that are not credit or loan products and the item in these papers appears to be neither of those items. 

Please note that you may not contact me other than by mail at home or email at XXXX. No other communication is authorized as I can not receive such calls at my business numbers, mobile business numbers, emails, and addresses.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX MO XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}. 

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 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with Experian and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. 

Second complaint is that XXXX has put tons of hard inquiries collections on my XXXX XXXX and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set 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 ) Time to make 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 the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!