davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (NC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Dear XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Consumer complaint received 2024-10-22
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. (MI)

XXXX has reported that the account was written off on my credit report. I was not sent a 1099c. If the account was written off to the IRS than the company was reimbursed. Therefore this is now personal income to me. Account Number XXXX @ was charged off on my credit report. If the item is not yet charged off than remove this item from my credit report. If XXXX XXXX fails to remove this from my credit file, XXXX XXXX is creating an act of fraud and should investigated.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that transunion will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX  XXXX # XXXX
Consumer complaint received 2024-10-22
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 am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled a copy of my TransUnion consumer report and noticed some items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Consumer complaint received 2024-10-23
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. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

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 2024-10-22
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. (MD)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (MD)

I was able to provide a 100 word comment regarding a disputed collection account on the other two credit bureaus, but have been unable to do so with Experian. Its not possible to do so online with Experian and I was unable to speak with a person even after trying 5 different phone numbers. I have a right to provide a comment but have been unable with this credit bureau. This is unacceptable.

They also have my name spelled incorrectly, which could create a serious problem for me when attempting to obtain credit. They have my name listed as XXXX XXXX. The correct spelling is XXXX XXXX.
Consumer complaint received 2024-11-12
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. (TX)

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

When I looked in my credit report, I was confused to see multiple months that are inaccurate that I was on time for. I always look to make timely payments, these are clearly not 100 % accurate. I demand that the payment status are removed and updated to on time for the months that are clearly inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I opened an account on XX/XX/XXXX at Ulta Beauty, through Comenity Bank. I paid the initial invoice in full ( {$120.00} ) on XX/XX/2024. My check cleared 2 days after due date of XX/XX/XXXX. I was not aware of first monthly charge for late fee ( $ XXXX ). Spoke with Customer Service on XX/XX/2024 after receiving invoice for {$63.00}. I understood the fee was reduced to {$36.00}. {$36.00} deducted from my checking account on XX/XX/2024. An XXXX invoice included previous balance of {$63.00}, - {$36.00} pmt ; - {$15.00}. " credit '' ; PLUS {$57.00} " FEE CHARGED ''. suddenly I owed MORE than prior to verbal interaction. I was out of town. The XXXX invoice now {$110.00}. The most recent phone contact was on XX/XX/2024 to " Customer Service '' and " Customer Service Supervisor ''. I closed the account on this date. I was instructed to write to " Billing Disputes '', Comentiy Capital BAnk, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX i received 2 texts ( did not respond ) and a phone call from Comenity Bank ( note 'being recorded ' ) when i qas asked for a payment. I said I was disputing the charges, the individual specifically stated " refusal to pay ''. A detailed letter outlining dispute was mailed " USPS Certified Mail Reciept '' on XX/XX/XXXX to the above noted address, as was a CC copy to XXXX XXXX, CEO Ulta Beauty, XXXX XXXX XXXX XXXX, XXXX, Il. XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX XXXXXXXX has been closed due to loan being cancelled by the government, but stills reports on XXXX as XXXX not paid, but has since been removed from the other bureaus.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Looking further into my credit report, the following Account : XXXX, Account XXXX : XXXX, responded and said they dont report to XXXX from my previous complaint. According to the document I attached, that is false. They did report it but didnt update the status. If they didnt report it, the XXXX section would be empty. There are so many inaccuracies in this report, starting with the inaccuracies with Equifax and XXXX. I demand this account gets removed from my credit report if there is no proof that the information is being reported in 100 % accuracy.
Consumer complaint received 2024-10-24
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. (CA)

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commission ( FTC ) Identity Theft Report, Better Business Bureau ( BBB ) complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations your agency perpetrated under the FCRA, while notifying your agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.
Consumer complaint received 2024-11-12
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. (ND)

To whom it may concern, Since XXXX, I have repeatedly requested verification and correction of information on my credit report. Despite these requests, the inaccuracies remain, and no real proof or verification has been provided to confirm the legitimacy of the disputed information. 

I have now meticulously reviewed my credit report line by line, examining each creditor individually, and have identified all discrepancies that must be re-investigated. I request that each item be thoroughly examined and corrected or removed if it can not be verified according to the Fair Credit Reporting Act ( FCRA ) guidelines. 

Please treat this as a formal request to immediately investigate and address all inaccuracies on my report, and provide a corrected copy upon completion. This action is necessary to maintain an accurate and fair representation of my credit history. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COMMERCE BANK (TX)

The debt collector is commerce Bank that was where the original card was I was authorized user It was not my card The company was made aware of this I sent the company a cease and desist back in XXXX XXXX XXXX The debt is more than a decade old I called them today on XXXX XX/XX/XXXX I spoke with the representative by the name of XXXX who told me that I should have never called the CfPB and reported their company that now they'll never take the dead off my credit that they will continue to ruin me they'll run my credit they'll run my business credit after I explain to her that I have a salon and this is hurting my financial standing and that this debt needs to be deleted that this violates my fair crediting act that this debt is over XXXX XXXX XXXX so it should have been deleted years ago that I don't owe anything on this debt it was never mine and that the debt needs to be deleted I was threatened and told that they will never take it off and they'll keep updating it and I should have never reported them to the CFPB and that people like me they destroy this is what this woman told me over the phone this morning I was disgusted by the phone call and returned when I hung up and called me back and continued to try to threaten me saying that they would ruin my credit and she was going to update my credit right now that it was sent to a lawyer and yes my credit was updated again and it was XXXX new negative remarks added to my credit This company has to be stopped and this debt has to be removed and deleted immediately!!!!
Consumer complaint received 2024-10-23
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion is reporting this collection as an " open account, '' which is not under FCRA compliance.This is an accurate reporting and needs to be DELETED immediately.

This is inaccurate reporting and needs to be removed from my credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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 the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (PA)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter.

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :