davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

I sent a letter to NCA regarding acct # XXXX {$550.00} this is not my account, I have no knowledge of this account. I sent a letter to them that arrived on XX/XX/2023 and have yet to receive a reply its well past a month and im asking for a removal of this account. I Provided an identity theft affidavit, the representative I spoke to by phone told me investigations can take 3 months I've never heard of that in my Life! Im not trying to get the representative in trouble im simply trying to fix my life, and I've been on quite the roller coaster with regards to my identity being compromised.Please remove this account from my profile.
Consumer complaint received 2024-07-01
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. (LA)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-07-01
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. (NY)

I am writing to follow up on my previous dispute regarding inaccurate and unverified negative items on my credit report. Despite my earlier correspondence and the legal obligations under the Fair Credit Reporting Act ( FCRA ), these items remain unaddressed.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with these following companies were never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

These companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-26
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. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In Re : complaint # XXXX I am attaching Equifax 's response to my complaint. This is the same responnse I have received from them since 1977. I have a consumer account with ttem and several " free credit report '' orders due to their frequent loss of personal information to hackers. They can easily verify my information if they want to but apparently they think I'm not worthy of their cooperation. Why else would they do this. Simple corporate apartheid. They see I live in XXXX XXXX by my address and think I'm just another XXXX XXXX  XXXX. You know, the ones so marginalized they support the XXXX XXXX XXXX XXXX. A copy of their response is attached. 

I am not going to play their game and I do believe it is not even legal. Your complaint should have had all the information they need.
Consumer complaint received 2024-07-02
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. (NJ)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-07-01
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. (CA)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite my repeated attempts to address these inaccuracies and my requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.
Consumer complaint received 2023-04-12
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: JPMORGAN CHASE & CO. (GA)

1. Chase MTG, Account number XXXX is fraudulently published on my personal file. On XX/XX/XXXX I spoke with XXXX, a Chase Bank representative, she verified that my social security number is not linked to a mortgage in their system nor have I ever had a mortgage with Chase Bank. Even more important, I have NEVER assumed a mortgage thus far in my life. This account is not mine and I want it deleted from XXXX, XXXX and XXXX credit report files. Thank you. 

2. On XX/XX/XXXX, XXXX XXXX put a hard inquiry on my XXXX credit report. I have disputed this twice as inaccurate and fraudulent. XXXX replied on XX/XX/XXXX with results being verified as accurate however according to my XXXX XXXX  - Inquiry Impact Complaint conversation, reference number XXXX, my social security number is not in their banking system. Please investigate and delete this inaccurate information from my personal credit reports reports. Thank you.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted TRANSUNION several times trying to get information removed from my credit report, but I always get a turnaround from then, I need to remove wrong information from XXXX XXXX  and XXXXXXXX XXXX XXXX for closed/charge-off/paid accounts. 

TRANSUNION has also rejected my request on the letter that I have sent previously stating that it`s not me sending this letter, even after sending proof of address, driver 's license, etc...
Consumer complaint received 2024-07-01
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. (AZ)

Im submitting a follow up complaint to you today to regarding my previous submission about this issue. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXXXXXX 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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed 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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed 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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, Experian generated report number XXXX. XXXX XXXX allegedly updated and verified the account in question. However, after review, it has come to my attention that the payment history and account status are still inaccurately and incompletely reported. XXXX must correct these inaccuracies immediately, as their incoherent reinvestigation findings were willfully reported to Experian.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report - Account # : XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies and inconsistencies I have identified on my XXXX credit report regarding the account identified above. Per the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX investigate and correct the following inaccuracies. The FCRA mandates that information reported on consumer credit reports must be accurate, verifiable, and timely. 

Inaccuracies and Discrepancies to Address : 1. Account Opening Date Discrepancy Reported Date Opened : XX/XX/XXXX Other Bureau Discrepancy : TransUnion shows XX/XX/XXXX as the date opened. 
This discrepancy raises questions regarding the accuracy of this accounts initial reporting. [ FCRA Section 609 ( 15 U.S.C. 1681g ) ] provides me the right to dispute and request verification. 
2. High Credit Amount Inconsistency XXXX Reported High Credit : {$0.00} TransUnion Reported High Credit : {$3700.00} This large discrepancy between the bureaus does not accurately reflect my account history and is misleading. [ FCRA Section 623 ( 15 U.S.C. 1681s-2 ) ] requires that furnishers of information, such as credit card companies, provide accurate data to credit reporting agencies. 
XXXX. Date Last Active Inconsistency Reported Date Last Active by XXXX : XX/XX/XXXX Discrepancy with Other Bureau : TransUnion shows XX/XX/XXXX as the date last active. 
This discrepancy significantly affects the reports accuracy, and under [ FCRA Section 611 ( 15 U.S.C. 1681i ) ], I have the right to request correction of this inaccurate information. 
4. Comment Discrepancies and Current Status The comment Consumer disputes- reinvestigation in progress and Amount in H/C column is credit limit suggest an ongoing dispute. Additionally, the account status reflects Derogatory with a Collection/Chargeoff payment status. I would like verification and correction of these details if they are inaccurate, as required by [ FCRA Section 605 ( 15 U.S.C. 1681c ) ] regarding the reporting period and accuracy of derogatory items. 

I request that XXXX conduct a thorough investigation of these items, correct any inaccuracies, and update my credit report accordingly. Please send confirmation of these corrections or the investigations outcome to my address listed above. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-01
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-01
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-07-01
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-01
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. (NY)

This is my 4th endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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/year>
Consumer complaint received 2024-06-06
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: Experian Information Solutions Inc. (TN)

I am formally writing this complaint because I have received results regarding the most recent dispute. 

It appears to me that the account I disputed is still reporting in this agencys system inaccurately. I am aware that the data furnisher may be instructing EXPERIAN to update this account. The issues that I have complained about have not been resolved even after numerous attempts to dispute. 

The creditor is failing to update EXPERIAN with accurate information per 15 USC 1681s-2 ( 2 ) duty to correct and update. 

Since the creditor has failed numerous times to update EXPERIAN with accurate information, it is fair to assume that the account can not be verified accurately because the in the account being updated and corrected. 

This account is legally unverifiable at this point. Furnishers have a duty to provide consumer reporting agencies with the correct information to report on consumers, but consumer reporting agencies have a duty to ensure that the information being provided to them is true and XXXX percent accurate at all times.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Leviton Law Firm, Ltd. (VA)

On XX/XX/, Leviton Law Firm , Ltd. sent me a debt collection letter for {$19000.00} to " XXXX XXXX XXXX '' at my home address on behalf of their client, XXXX XXXX XXXX, XXXX. The letter states they've tried to contact us multiple times as well as through a debt collection agency, and that if I don't respond in 10 days they will have no other choice than to advise XXXX XXXX XXXX to take appropriate measures to enforce their rights. 

On XXXX XXXX XXXX, I called and spoke with XXXX XXXX, the Leviton Law Firm Account Representative. I told XXXX that I have never done business with a XXXX XXXX XXXX, XXXX, to my knowledge. I asked for more information about the company since my XXXX search only resulted in a company that deals with property management and is not accredited by the XXXX XXXXXXXX responded that this has nothing to do with the matter because my name is not XXXX XXXX XXXX. XXXX added that it sounds like they ( Leviton Law Firm ) have the wrong address and he advised me to destroy the letter. I asked why I needed to destroy the letter. XXXX responded that if I didn't want to destroy the letter, then I could just pay the debt, and he hung up.