davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
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. (PA)

I was completely taken aback when I saw wrong accounts showing up on my credit report tonight, and I have no explanation for how they got there. I routinely check my credit, but this time, there were sudden discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors didnt go away. Im asking for a detailed review of the documents Ive submitted, so I can stop worrying about these issues once and for all.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

Identify inquires resulting from the identity theft that should be blocked or deleted. 


XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Reported on XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX Reported on XX/XX/XXXX
Consumer complaint received 2020-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MD)

On or about XX/XX/2020 I was issued a refund by the Western Union and provided an MTCN # to collect my {$110.00}. I was told to cash this money at any of location served by the Western Union agents like XXXX, XXXX XXXX, XXXX XXXX, XXXX and other locations based on my zip code in XXXX XXXX, Maryland. Since XX/XX/XXXX, I have been to at least 5 different Western Union agents at various time and days, and all of these agents are not willing to refund or cash out my MTCN. These all locations are willing to send/collect the money, but are not cashing the recipients. I have contacted Western Union over the telephone, over their chat helpline, at least three times. Each time they are giving me a different location and would ask me to try that location. This is been going on for almost a month now. 
While Western Union agents are willing to collect cash and send money, they are not cashing out money to the recipients for last 1 month. I have also ask the Western Union agent to find the Western Union location by phone where I can go to pick up my funds, but they are keep telling me that " keep trying different locations and agents '' for last 1 month. 

It appears this is a coordinated fraud that while Western Union is collecting money from the people, but not cashing out the recipients of the funds. I have been to below 5 locations in XXXX XXXX, Maryland but no one is willing to cash out my funds. 

XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX #   XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2023-03-17
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (TX)

On the morning of XX/XX/XXXX I get a notification on my XXXX  report of a derogatory remark from a Midwest Recovery Systems stated that I owe a balance of {$500.00} from a XXXX XXXX. I called this company and spoke with a XXXX XXXX who was very rude and unprofessional. When speaking with him about this account I informed him that I have not done business with XXXX XXXX since XXXX and my account was settled and paid in full back in XXXX. XXXX stated that I owed the balance and as he was checking his records he noticed I have a second account from XXXX XXXX in the same amount of {$500.00} and I asked when was it taken out he stated this month XX/XX/XXXX he wouldn't give me an exact date. I explained that I would like the item removed from my credit report and that you will not get a dime  of money from me with this SCAM! XXXX said the only way to have it removed is to pay the amount. After my call with Midwest recovery I tried to contact the company that he was referring to and it is no longer in business. My issue with this company is that I had the same problem with them last year XXXX XXXX XXXX in XXXX reporting false information on my credit report about this same balance of {$500.00} from the same company XXXX XXXX XXXX XXXX and I submitted them paper work ( paid in full letters ) of the balance being paid in full. I got the issue resolved and the false information removed when I contacted the bureau submitted the same paper work I submitted to Midwest Recovery ( paid in full letters ) as well. I'm getting very bother by the fact that this company, that is a SCAM can report false information on my report which is a big in convince when I have perfect credit and is in the process of doing business transactions where my credit plays a major part for my business! Therefore at this point in my life if I needed to borrow money I can go to a bank to do so! being a business owner. These people are very RUDE! and so unprofessional and they need to be STOPPED! with these scare tactics to give them your money. I would like for this company to be investigated! We are in one of the largest Crisis in history COVID-19 and you have a company trying to collect on accounts that have been paid when you have legitimate company 's that aren't even harassing individuals or trying to collect money from people with real accounts. I want it to stop and I want everyone to Know that Midwest Recovery Systems is a SCAM! and please beware.
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove any account that 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 is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (MN)

I been receiving constant telephone calls of harassment, profane and abusive language and threats of XXXX from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX  XXXX  XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2900.00} XXXX XXXXXXXX BALANCED {$640.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00}
Consumer complaint received 2020-04-27
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2020-04-23
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. (AL)

There are several items reporting on my credit report that does not belong to me and/or is inaccurate information : Please assist me in getting these items removed : Fraud Reporting Information : XXXX XXXX XXXX XXXX XXXX - XXXX  Child Support - That is reporting incorrectly. I have contacted Child Support because XXXX  is reporting inaccurate Child Support Information. There was an overpayment where Child Support had to reimburse the money sent. XXXX  is reporting inaccurate information. 

XXXX XXXX XXXX XXXX - This is a fraud account. This account was not opened by me. Transunion is reporting fraud information and they was sent a FTC FORM. 

I have never had a XXXX XXXX XXXX account because whereI live they do not have XXXX XXXX XXXX XXXX. I have talked with XXXX XXXX XXXX Customer Service Rep and they do not see any accounts with my name on it. So Transunion and XXXX  is reporting incorrect information. 


Inquiries that was not authorized by me : XXXX XXXX XXXX 3 times
Consumer complaint received 2024-09-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (DE)

I have a late payment showing on my loan when it was not late. The payment for that specific month was to be placed at the end of the loan. This is an eye sore on my car loan as I have had no late payments & my account has been active the entire time in this loan.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CO)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO CARD SER XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Was buying a XXXX XXXX  XXXX, had full coverage also DAC, Car was totalled insurance company paid. XXXX Dac paid XXXX account was paid in full. Credit Acceptance Corp. Shows a XXXX XXXX XXXX Wrong model and reported I still owe XXXX on car plus over XXXX in intrest. I've tried working with them to correct this and remove from my credit report and have had no help in removing. The information they filed is incorrect the value of the XXXX XXXX XXXX that I owned was paid. There was no XXXX XXXX XXXX   ever owned by me their information is incorrect and false. Please help remove this from my report. The insurance co was XXXX claim # XXXX. Paid in full