davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have mailed a notarized Affidavit of Truth to both XXXX XXXX ( see attached ) and The US Department of Education ( see attached ) making it known that no contract exists between me and the corporations DBA XXXX XXXX XXXX and U.S. Department of Education. The affidavit has remained unrebutted. Unrebutted affidavits stand as truth in commerce. XXXX, XXXX, and Transunion have been falsely reporting an alleged debt that does not exist and is not owed o my credit report which has negatively impacted my credit worthiness and reputation. 

In a letter dated XX/XX/year> XXXX XXXX addressed the request as per as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ), however they failed to provide proof of the original contract with wet ink signature. The document ( see attached ) displays a contract from Federal Direct Stafford/Ford Loan/William D. Ford Federal Direct Loan Program with a typed signature and date. I am questioning the legitimacy of the contract and still have requested the following items from XXXX XXXX : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt I requested not to be contacted by email or phone call as well and was still contacted by them via telephone. 

In a separate letter dated XX/XX/year> I was sent a letter from XXXX XXXX stating the alleged account was 90 days or more past due and an outline of consequences of delinquency during on ramp period. 

In another letter dated XX/XX/year> from XXXX XXXX, they stated that their records indicate that the last scheduled payment has not been received and the account is now 11 or more days past due. 

Since my initial letter on XX/XX/year>, I have yet to receive any of the information I demanded from XXXX XXXX. 

On XX/XX/year> I certified mailed a final warning to XXXX XXXX stating that if the unverified accounts were not removed, I would resort to taking legal action as per my rights. 

As a result of all information provided, I demand that all account information and personal information associated with XXXX XXXX be removed and deleted and that they cease reporting to credit bureaus
Consumer complaint received 2024-10-18
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)

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent accounts and remove associated addresses from my consumer credit report. These accounts and addresses are a result of identity theft and fraud that occurred during my period of trafficking. Per FCRA, I expect TransUnion to take action within four business days of receiving this complaint.

As a victim of trafficking, the following accounts were not opened, made, or initiated by me, and are the result of identity theft and fraud : XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/year> XXXX. XXXX XXXX XXXX Number : XXXX : $ XXXX Opened : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX : $ XXXX Opened : XX/XX/year> Additionally, the following addresses, which I did not reside at, were fraudulently added to my credit report and need to be removed : * XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts and addresses : 1. FCRA Section 605C Self-Attestation Form 2. Notarized Identity Affidavit 3. Notarized FTC Identity Theft Criminal Complaint # XXXX XXXX. Notarized Utility Bill 5. Proof of Removal from XXXX and other credit bureaus Additionally, I would like to bring to your attention that I am a victim of the XXXX XXXX Breach ( see attached proof ), which has further contributed to the misuse of my personal information. 
Given the sensitive nature of my case and the urgency in correcting my credit profile, I respectfully request the immediate blocking and removal of these fraudulent accounts and addresses from my TransUnion credit report.
Consumer complaint received 2024-10-17
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. (GA)

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 - XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XX/XX/XXXX - {$25000.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$110.00} 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 2020-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

Requested original alleged contract with original alleged signature on the contract for the alleged item. Received a photo copy of a contract with no signature of mine. Please remove the item from my credit report for failure to prove the alleged item. No Debt Verification has been received. No original contract with signature has been produced. According to the FCRA Act incorrect items must be removed. Will report false collection attempts to the CA State Attorney 's Office.
Consumer complaint received 2015-06-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CO)

I was completing a purchase using Ebay. I tried to pay using my PayPal balance as I usually do and was asked for verification information. Upon completing the verification process and accepting the terms of service ( which I mistakenly thought were updated terms for using PayPal ) I was told that I had opened a {$5500.00} line of credit with PayPal. I did not want this and promptly called and closed the line of credit. This same thing happened to a friend, so it seems clear to me that they are trying to trick people into opening lines of credit. I am very frustrated and thankful that I caught the mistake. Unfortunately the application and line of credit will be reflected on my credit by credit monitoring agencies for years to come. I have no doubt that this will have a negative impact on my ability to pull credit when I actually intend to do so. 
I understand there is nothing to do regarding this case, but I would like to file a complaint with the hopes of encouraging PayPal to change its ways. 
Sincerely, XXXX
Consumer complaint received 2024-10-16
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. (AZ)

No access to my credit report I have sent multiple requests to access my credit report, and your company stated did not provide correct information, in which I have provided accurate and updated information from Identity Theft. gov. I have attached Police report, XXXX police report is not signed it has to be approved city of XXXX, and then it gets email to you. I have provided my Driver License and proof of a bill statement, which is more than sufficient enough, and you continue to illegally not allow me access to my credit report as I provided you with accurate information, filling a police report is illegal. I need access to my credit report immediately.
Consumer complaint received 2024-10-17
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. (DE)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Omega RMS, LLC (NC)

I was contacted by a singles site called XXXX. I had just went to an interview with them in XXXX 2015. The person persuaded me to sign up with thier services. I gave a {$500.00} down payment towards having XXXX dates with XXXX elegible bachelors. I explained I would not be available for another month and was told it would be fine. Two days later I received a distirbing call from a young man who represented himeslf from the company and he wanted my credit card in order for the services to begin. I refused and told him I was no longer interested since there was a conflict in our initial agreement. I then began receiving bills from them where each month the amount was doubling. I received an email from the original sales person asking me to call her. I no longer wished to speak with her since she had falsely represented what they promised. I attempted to send an email, but it was returned. I tried calling the company and the number was out of service. I am getting OMEGA debt collection calls on this who want to negotiate a settlement. XXXX XXXX XXXX ia thier number.
Consumer complaint received 2024-10-16
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. (NH)

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO ( Transunion ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX XXXX on XX/XX/year> under the ( XXXX account number ). These accounts have resulted in several fraudulent late payments appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-11-20
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. (TX)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-10-17
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. (KY)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX has violated my rights. I looked at my XXXX credit report onXX/XX/2024 and noticed something are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts inaccurate.
Consumer complaint received 2024-10-18
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. (SC)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-18
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. (IL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MD)

I received a negative mark on my credit report in XXXX of XXXX, I learned via XXXX ( a credit monitoring app ) that I had a Collections Report on my account. The only information provided was that the debt attempted to be collected is {$530.00} and that the Lender is " XXXX XXXX XXXX. '' At no point did anyone from Amsher Collections or XXXX XXXX reach out to me in regards to this debt prior. I sent a letter via certified mail with receipt on XX/XX/XXXX and have received the receipt back yet no response from Amsher Collections to explain why the charge exists, whether they have the authority or licensing to pursue such actions or any proof of this debt existing with XXXX XXXX. As I have not been a XXXX XXXX customer since XXXX, I am highly concerned about the truth of this debt as well as my credit score and social security number being at risk.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent letters of dispute to Transunion on four separate occasions to rectify incorrect information on my credit report. I initiated the letter back in XXXX of 2024 but I have not heard any information from them and my credit report remains in the same negative status. I have attached the documents that I sent to Transunion personally.
Consumer complaint received 2024-11-12
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. (CT)

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.