davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To : CFPB XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX : XXXX To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Transunion credit report, which is inaccurate. 

Specifically, the alleged item is for a late payment to a line of credit that was never used. There ca n't be a late payment when you do n't carry a balance. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Transunion report showing the derogatory item. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
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. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX TransUnion Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2016-02-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I was contacted by a deceptive debt collector Weltman , Weinberg & Reis about a debt they had purchased from a XXXX. I disputed the debt and asked for validation but only received a summon and complaint of which I did answer. I never received a notice to appear in court, however I did receive a letter from the courts where a session was held on XXXX XXXX where the motion for their default judgement they were seeking were denied. This deceptive debt collector somehow got a default judgment on XXXX XXXX, XXXX without my knowledge. They went a step further and submitted to garnish my wages on from my employer without my knowledge. I immediately filed an objection to the garnishment and filed a motion to set aside the judgement because this debt collector has violated every rule put in place by the FDCPA. I have submitted a affidavit of fraud and a police report all of which they requested only to be sent a letter from Weltman , Weinberg & Reis stating that their client had completed it 's review and research and has found the account to be valid. I asked exactly when did the debt occur and was told by the attorney XXXX XXXX XXXX the debt was made on XXXX but when speaking with the CRA 's they have verified that the debt was made in XXXX, and the debt collector has only submitted statements dating back to XXXX of which I have found XXXX, XXXX XXXX XXXX has made several inquiries on my credit report. They have submitted statements to me that says this card had a {$5900.00} credit limit, but is stating that I owe {$8100.00}. It is clear that they bought this debt because the card had a balance over {$7000.00} with a 24.99 % APR and they have listed the minimum payment was only {$63.00}. I also received from Weltman, Weingberg & Reis a status report pursuant to service members civil relief act that states XXXX XXXX as of XXXX XXXX, XXXX. I have never been in the military and do not know why they would send me a copy of this. It is clear that they are trying to strong arm into owing this debt. They are taking over {$400.00} every two weeks from my pay for a debt that was disputed, and a debt that they have not provided proof of anything bearing my signature only statements that they are trying to pass off as an agreement. This has been done deliberately and intentional because after asking for a affidavit of fraud and a police report they still came back to say the debt is mine. This debt collector has not a shred of conscience, because what part of identity theft do they not get, and what more can a person do when a police report is filed and a fraud affidavit is given which is why the acts that they are doing is deliberate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX  XXXX XXXX
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days ' time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of Walla Walla (WA)

I had my wadges garnished in the amount of over {$4000.00} for a fine from district court that was {$1300.00}. The last payment/garnishment was 3 months months ago. In fact they garnished extra and refunded me over {$800.00}. I thought great that 's over. Well this week I get a bill for a remaining {$24.00} that has collected Intrest over the past 3 months making what they are charging me {$250.00}. I called and asked for an explanation and well no answer just run around.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Billing disputes — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (OK)

XXXX. XXXX I received a call for a late payment on a credit Card opened In XX/XX/XXXX, this was not my card. I have never used it or made a payment on it. It was used by my Daughter. I ask for all copies of their papers and they DId n't send anything. I fill ed out their fraud papers And they removed it from my credit reports. after a Few months they put it back. and stopped calling. 
Until XX/XX/XXXX when the payment s stopped I am retired and live on my social security.please Help. 


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Consumer complaint received 2016-09-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My Name is XXXX XXXX, I would like to file a lawsuit against Portfolio Recovery. 
I was just denied for an apartment for me and my XXXX daughter. I asked the management office the reason for the Denial she told me a new collection from portfolio recovery. I told her that it is not new and it was getting ready to fall off. 
When I checked my report I saw that Portfolio is reporting the collection as new XX/XX/XXXX. I went ahead and check a few old reports and I see that Portfolio has erase each Month and would only report the current month as if it was a new collection. I spoke with XXXX and the representative told me that the collection is new. I told him that it is not possible he then replied by saying that is what the collection agency is reporting and asked for me to contact Portfolio Recovery. 
Portfolio continues to violated all laws of the FCRA and insist on reporting incorrect and inaccurate information with is a violation of my rights. This has caused me financial harm as I had to pay for the application that is refundable. I can provide proof of many credit report where they report XX/XX/XXXX, then delete XX/XX/XXXX, then delete XX/XX/XXXX report XX/XX/XXXX. The pattern is they delete every prior month so that it appears that the collection is new, causing my credit score to decrease. 
My next step is to file a class Action law suit. I am also part of a law suit filed in California where they repeated called my telephone.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax will not let me log into my account to freeze my credit, and only let me freeze it over the phone. They also did not provide me with a pin to use when unfreezing, meaning one of two things, either I will not be able to unfreeze or they do not require the same amount of security. Both of these are unacceptable. This is ridiculous, and Equifax should be investigated for how they handle account management.
Consumer complaint received 2024-08-20
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. (TN)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2016-03-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery has been and continues to attempt to collect monies from me that I do not owe. I have never had an account with the company they are representing and I have also signed an affidavit of fraud as they requested. This negative reporting on my credit report is causing great damage and I want this matter corrected as soon as possible.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. 

I would like to bring to your attention the following inaccuracies : Incorrect Address : The current address listed on my credit report is XXXX XXXX XXXX, XXXX, MI, XXXX. However, my correct address is XXXX XXXX XXXX, XXXX, MI, XXXX. I request that you update my address information accordingly. 

1. Ailias Name : My Alias is misspelled as XXXX, XXXX, XXXX on my credit report. The correct spelling of my name is XXXX XXXX. Please remove the alias name to accurately reflect my personal information. 

I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. 

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. 
A recent utility bill displaying my correct address.
Consumer complaint received 2015-07-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Io, Inc. (VA)

I received a letter in the mail from RMS claiming I owe {$71.00} to XXXX. A principal amount of {$31.00} and " other '' fees totaling {$40.00}. I replied within 30 days with a debt validation request, which was received by RMS on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX labeled " Notice of credit bureau notification '' from RMS stating I had 10 days to fulfill the amount or my information would be reported to credit bureau. At this point, my debt validation letter had not been responded to. I called RMS on XX/XX/XXXX and spoke with XXXX XXXX ( XXXX ) who advised me the account was in dispute and that the documentation I requested was being obtained and my validation letter was received. On XX/XX/XXXX, I received a credit notification ( XXXX ) of a new collection account in the amount of {$71.00} from RMS. I placed a call to RMS at XXXX on XX/XX/XXXX seeking information as to why my debt validation request was not responded to and why the account was reported to the credit bureau. I was told that nobody was available to help me and that I would need to leave a voicemail for " XXXX '' and was promised a call back immediately. At XXXX I placed another call requesting to speak with XXXX. After being connected with XXXX, he confirmed that the account was forwarded to the credit bureau on XX/XX/XXXX, that my debt validation request was received on XX/XX/XXXX, and that a letter was sent to me dated XX/XX/XXXX, acknowledging receipt of my debt validation request. XXXX then asked me if I was willing to pay the principal amount of {$31.00}. In doing so, he would send me a letter saying the debt was satisfied and request that it be removed from my credit report. I declined the offer as I was still unaware of the debt and its validity. I politely asked XXXX for his full name and he declined to help me any further and disconnected the phone call. As of today 's date, I 've never received validation of the debt. I was also asked several times why I do n't remember the bill as it was from just XX/XX/XXXX.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AZ)

I have formally requested my free annual credit report from Experian twice. They have sent the same response, that " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity '' -- HOWEVER, I have sent everything they require, including : my full name, Soc Sec number and copy of my Soc Sec card, complete addresses for 2 years, date of birth and copy of my birth certificate, a copy of my driver 's license with my CURRENT address, and a copy of my most recent bank statement. EVERYTHING was legible. I have included additional copies of my Veteran 's Administration ID, voter 's registration, fingerprint clearance card, AND mail addressed to me from government entities with my current address on them. I ca n't reach them by phone or via the internet regarding this issue because they have no prompts or links to assist me with this particular matter. Another credit bureau, XXXX, has already sent a report to me with the same information. Please help me. XXXX XXXX XXXX
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Mortgage servicing was transferred from XXXX company to another in XXXX XXXX. The new mortgage servicer ( Freedom Mortgage - XXXX TX ) did not start reporting information to credit bureaus until XXXX XXXX. XXXX are properly reporting status ; Experian refuses to investigate why Experian is not reporting the information - referring me once again to XXXX Mortgage. My credit score has decreased from XXXX to XXXX since XXXX and as a result of the bad/incomplete information a {$19000.00} unsecured line of credit was closed by XXXX XXXX XXXX and I have been denied a HELOC from XXXX XXXX XXXX. Experian 's lack of cooperation to resolve this matter concerns me as not only am I suffering loss of credit, but I am also concerned about potential impacts to my XXXX XXXX XXXX as the credit score continues to go down.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

On XXXX XXXX a new trade line reported to my credit file that is currently a closed and inaccurate account on several fronts. The line of credit with XXXX XXXX was originally opened in XXXX of 2016, but subsequently closed due to unauthorized charges. Please understand that I am not disputing this account as fraud as it was indeed mine to begin with. I am however disputing that this account information is inaccurate for the following reasons ; ACCOUNT XXXX First XXXX account numbers : XXXX ( only thing reporting on my Experian credit monitoring ) Opened : XXXX 2016 Balance : {$16000.00} Limit : {$14000.00} Monthly payment : {$2600.00} Balance updated : XXXX 2016 Account type : Line of credit 1 - This account has been closed and frozen by me due to unauthorized charges connected both directly and indirectly with this account along with my checking now " previous '' checking account associated with this account accordingly. At the present juncture, this along with multiple others accounts associated with this line has in fact been shut down and closed. 

2 - This account balance and subsequently the " monthly payment '' are inaccurate due to the unauthorized and miss use of the account. 

3 - This account is also in the process of my disputing with XXXX multiple transactions and is henceforth reporting inaccurate data. 

4 - This account is XXXX and the same as the XXXX other accounts presently reporting on my credit file. You will see that they are the same line of credit but had to be closed due to my checking account being breached and fraudulently used. I had previously disputed and subsequently filed fraudulent claims with XXXX and was given the money back. Should n't these previous accounts be eliminated since they are the same as the one that I currently reporting? I do understand that the last " updated '' account, the one that I am disputing in this case will remain on my credit file as it should. 

Thank you kindly for your help with this matter. I am extremely grateful for the professionalism, efficiency and diligence that Experian has exhibited to me with my fraudulent concerns over this past year. 

Regards, XXXX XXXX XXXX Credit Report # : XXXX ****P.S. Due to my continuing fraudulent activity, I have now changed my phone number from ( XXXX ) XXXX to ( XXXX ) XXXX in hopes it may deter future problems from continuing to arise. Would you please be so kind as to update this number on both my credit file and on the Fraud Alert statement to reflect the ( XXXX ) XXXX replacing the previous number?
Consumer complaint received 2023-08-24
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. (FL)

COMPANY HAS NOT PROVIDED VALIDATION ON INACCURATE INFORMATION ON MY CREDIT REPORT. THEY WILL NOT REMOVE UNKNOWN CLOSED ACCOUNTS ON MY CREDIT REPORT. THERE LETTER DO NOT MEET FEDERAL GUIDELINES AND THEY ARE CONTACTING THIRD PARTY AGENCIES THAT I DO NOT HAVE CONTRACTS WITH AND REPORTING FALSE INFORMATION.