davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-23
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. (TX)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Please comply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed from my creit File as soon as possible.
Consumer complaint received 2023-02-23
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. (NV)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$78.00} ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-10-01
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Consumer complaint received 2023-02-23
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. (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ).
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (DC)

In XX/XX/2019, My XXXX XXXX XXXX credit card promotion was to expire, so I went online searching for 0 % balance transfers and 0 % APR. American Express via XXXX, had just that. I applied, received the card, and on my 1st bill, I was charged a Balance transfer fee of {$89.00}. I called Amex several times to no avail. The humanbots seemed to be reading from a different script from what I read and understood on XXXX.
Consumer complaint received 2023-01-15
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. (GA)

They wont show me original documents stating that I borrowed {$30000.00} from them. They wont show me no signature that I borrowed any money from them. XXXX XXXX XXXX account number XXXX. According to 15 USC 1681 602 a and 15 USC 1681 602 b and 15 USC 1681c section 5A. Remove this account from my credit report please and thank you.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC (VA)

I financed some furniture through Acima credit and they tried to hijack my checking account and have hijacked my credit report. They initially altered the terms of my original contract without my consent and increased the agreed upon billing amount from {$40.00} per week to {$170.00} per month. After several arguments about this over the phone where a representative tried to convince me that this is what I had agreed to, I requested a copy of the contract and was repeatedly denied a copy of this. Meanwhile, I received several phone calls daily from various unidentifiable phone numbers from people who identified themselves as representatives of Acima demanding bank account information or debit card information to resume payments. I made these people aware that I do not disclose this information to anyone for any reason and requested that a copy of a billing statement be mailed to me. They once again repeatedly refused claiming that they were a paperless company. I made several attempts to remedy the situation over the phone and was even denied a physical address where I could remit payment without having to provide information over the phone. This went on for several months. The entire time Acima has reported negatively to all three credit bureaus about this account while refusing to bill me or accept payment in any form other than over the phone.
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (UT)

I have made arrangements with GC Services to repay my tax debt and have been making my regular monthly payments as agreed. 

GC Services continues to call and harass me monthly about setting up a plan to repay the debt. I have already done this! The most recent call was today, Monday, XX/XX/2022 at XXXX XXXX  XXXX. XXXX XXXX is the person who called on this date. 

They also called me on Wednesday, XX/XX/2022 at XXXXXXXX XXXX  XXXX. I believe XXXX contacted me on this date as well. 

I am very busy, I work from home and I am very tired of being harassed by a company I have already agreed to pay and make payment to. 

Please make them stop.
Consumer complaint received 2023-01-15
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. (FL)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2023-02-22
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. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-22
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. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2019-10-01
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. (KY)

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-05
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, T ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2018 ; DEPT OF ED/XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-02-22
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. (AL)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I've called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-10-05
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. (VA)

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-05
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: RS Clark and Associates, Inc. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
Rs clark and associates is on my credit report without my knowledge or consent.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

On XXXX, XXXX 2019 I received a letter in the mail from " Credit Collections Services '' stating that I owe {$530.00} for an unpaid bill from XXXX. The letter was dated to XX/XX/2019. I can confidently say I have no used XXXX within the past XXXX years. I immediately checked my XXXX account to see if I had any collection inquires. Nothing was reported as of XX/XX/XXXX. I called the number that the Credit Collection Services provided to me, they asked me various personal questions they should have had, including my name and address. I asked them if I could make a payment, and continued to ask them what the date on the collection was from. They said XX/XX/2019. I asked them what the bill was for, they said they could not disclose it. I asked them what was the address of the XXXX location in which I had a bill from. They were not aware of this address. Their website is also an unsecure website. I am aware of the recent breach in security in XXXX and do not want this to happen to anybody else.
Consumer complaint received 2023-02-22
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS XXXX : XXXX Dear Sir/Madam, I am writing this letter to dispute some of the negative items that are being reported on my credit report by your company. I have recently obtained a copy of my credit report and noticed that there are some inaccuracies and discrepancies that need to be addressed. 

Firstly, I would like to address the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Secondly, I would like to dispute the charge-off accounts reported by XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. I have never had an account with XXXX XXXX XXXX and I believe these accounts have been mistakenly added to my credit report. I request that you investigate and remove these accounts from my credit report immediately. 

Thirdly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Fourthly, I would like to dispute the collection account reported by XXXX XXXX XXXX XXXX, account number XXXX. I have never had any dealings with XXXX XXXX XXXX XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Lastly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. While I did have an account with XXXX in the past, I believe that this account was settled and paid off in full. I request that you investigate and update the status of this account accordingly. 

I request that you investigate these disputes and make the necessary corrections to my credit report as soon as possible. Please send me a written confirmation of the outcome of your investigation and the actions you have taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (NC)

I submitted a previous complaint with CFPB and I am asking CFPB to reopen. Paragon Revenue is a Debt Buyer and I do not owe them. I asked for a " signed '' copy of the original written agreement that I owe a debt them. Paragon sent me an XXXX  Health Statement, as well as a printout of XXXX XXXX Treatment and Authorization standard lingo with a printed version of my name, as well as the signature of a witness that is unidentifiable. I do not owe this debt to Paragon Revenue. I had never heard of and only learned of whoever Paragon Revenue is by seeing their name on my credit bureaus accounts. 

The company did not provide me with the documents I requested which is a signature agreement that I " signed ''.
Consumer complaint received 2023-02-22
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. (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer has been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX  Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.