davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
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: Experian Information Solutions Inc. (DC)

Last year, I reached out to Experian to have information related to XXXX XXXX removed from my credit report XXXX XX/XX/XXXX ). In early XX/XX/XXXX, I noticed that this information was reinserted, but I didn't receive written notification from Experian prior to this information being reinserted into my credit report. 

I've sent XXXX letters to Experian regarding this issue ; today I sent a XXXX informing them that they are in violation by reinserting this information without providing me with written notice before.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I trust this letter finds you well. I am writing to address a matter of utmost urgency concerning my credit report. Upon a recent review, I have identified inaccuracies related to late payments that are adversely affecting my credit history. 

Details of the disputed information are as follows : XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  customer service representative. XXXX have already removed the late payments from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. XXXX have already removed the late payments from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally requesting the immediate removal of these late payments from my credit report. It is essential that my credit history accurately reflects my financial responsibility, and the presence of these inaccuracies is detrimental to my creditworthiness. 

Enclosed with this letter, please find supporting documentation that substantiates my request for the removal of these late payments. I believe it is in the best interest of both parties to rectify this matter promptly and ensure the accuracy of my credit report. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the obligation of credit bureaus to conduct a reasonable investigation into disputed items. I expect your bureau to adhere to these regulations and expedite the process of investigating and removing these inaccuracies. 

I kindly request a written confirmation of the removal of the late payments from my credit report within 15 business days from the date of receipt of this letter.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2.. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX Account Number : XXXX 30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/2021, 60 days in XX/XX/2021 90 days inXX/XX/2021, 60 days in XX/XX/2021.
Consumer complaint received 2022-08-11
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. (NY)

I notified Transuion numerous times that I am a victim of identity theft. The XXXX XXXX account that is reporting on my credit report does not belong to me. I didnt not open it or have anything to do with it. and I would this fraudulent account removed from my credit report immediately.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (TX)

I have an account that is invalid on my reports. The account keeps coming back as verified. But how can that be if it is not verified/validated. I disputed with original debtor and it was removed from all 3 reports since it could not be verified/validated. Then the debt buyer came along and reporting on an unvalidated/verified account. XXXX deleted since it is a violation. However, XXXX XXXX Experian still are in violation. Please get this deleted immediately. 

XXXX original debtor XXXX XXXX
Consumer complaint received 2022-08-11
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, has violated my rights. 


In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 



XXXX5 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

All the accounts were paid/setteled. Called over 3 months ago asking for debit validation and all information on accounts and never got a response. The representative seemed not to care why I was calling or cared to validate any information just wanted payment. I asked for signed documents and statements and validation of debt. I have yet to receive anything and its been over 3 months now. I am hiring an attorney and will be making a legal matter as I know my rights and this company has violated several of them
Consumer complaint received 2022-08-11
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. (MT)

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-08-11
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXXXXXX, has violated my rights. 


In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Consumer complaint received 2022-08-11
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. (MT)

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-08-11
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. (NY)

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. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Late Date XX/XX/22
Consumer complaint received 2022-08-11
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: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

The following companies have violated my rights and have furnished my credit score without my consent, they have outdated information and it's affecting my personal and financial livelihood. I'm on the verge of filing a lawsuit for defamation of character. 

XXXX XXXX, XXXX XXXXXXXX, MERCANTILE ADJUSTMENT BUREAU, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-05-20
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: Innovate Managed Holdings, LLC (SC)

I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. The following XXXX  aka XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to fail a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

Your assertion that the accounts in question have been verified is both vague and infuriating, as you have failed to provide any semblance of evidence or documentation to support this claim. The absence of such verification leaves me to question the legitimacy of your so-called investigation and raises doubts about the accuracy of the information you choose to report. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is perplexing that while one of the credit bureau has successfully confirmed the fraudulent status of these accounts and taken appropriate action to prevent them from tarnishing my credit report further, your bureau remains obstinate in its refusal to do the same. The lack of consistency among credit reporting agencies raises serious questions about the credibility and reliability of your bureau 's investigative processes. To my dismay, not only have you failed to provide any accurate information or verification of the disputed accounts, but you have also outright refused to remove them, despite clear evidence from other credit bureau that substantiates the fraudulent nature of these accounts. 
XXXX XXXX XXXX DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
If other credit bureaus can confirm the fraudulent nature of these accounts, there is no excuse for your bureau 's inaction and refusal to remove them from my credit report. Furthermore, I insist that you take prompt and decisive action to rectify this situation. The continued reporting of fraudulent accounts on my credit report is not only damaging to my financial standing but also a clear violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-08-11
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)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Consumer complaint received 2022-08-11
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. (NY)

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. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  XXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Late Date XX/XX/22
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-11
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)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-11
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. (NY)

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-28
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00}
Consumer complaint received 2019-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Michael Harrison, Attorney at Law (NY)

On or about XX/XX/2019, I was served with court to answer a debt owed to XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX. 
While I filed a reply, requesting documents about my debt, I was answered with a Motion for Summery Judgement, which to make a long story as short as possible, they were successful.

While, I must state, that the firm was most cordial, and polite in all my dealings with them, I find that by not providing the debtor with an appropriate invoice detailing the charges, prior to, and subsequent to the court action is in my opinion, while obviously legally proper, because after all they did prevail, not morally or ethically correct. 
All in all, not to the determent of the law firm, I feel that I was massively overcharged for the services rendered. and yet no recourse whatsoever.