davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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 am writing to formally dispute the validity of a medical bill that has been erroneously attributed to me and has appeared on my credit report as account XXXX XXXXXXXX. This account does not belong to me, and I have reason to believe that it is in violation of the Fair Credit Reporting Act ( FCRA ), specifically section 605b. 

I recently submitted a report to the Federal Trade Commission ( FTC ) regarding the appearance of accounts on my credit report that do not pertain to me. Despite my previous attempts with TransUnion to rectify this issue, the wrongful inclusion of this account has not been addressed. I have requested validation of this debt, and as of now, it remains unresolved. 

I am formally requesting that this account be removed and blocked from my credit report in accordance with FCRA section 605b. Additionally, I request that you provide a validation of debt pertaining to this account that includes all relevant information and documentation. I would like to remind you that any attempts to pursue collection on this account are in violation of the FCRA until the debt has been validated. 

I also want to emphasize the potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ) in relation to the inclusion of medical bills that do not pertain to me on my credit report. I expect that all sensitive medical information is handled in compliance with HIPAA regulations. 

If this matter is not resolved promptly and the inaccurate account is not removed from my credit report, I will have no choice but to pursue legal action. I am prepared to seek representation from an attorney to address this issue. I trust you will take this matter seriously and take the necessary steps to rectify this situation in a timely manner. 

I implore you to act swiftly in addressing this discrepancy and provide me with written confirmation of the removal of the erroneous account from my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXX XXXX Account XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX  :, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In direct violation of FCRA 15 USC 1601 ( p ) this company has no authorized use for my information. They have no authority to use my information in a way that damages my reputation. They are liable for damages this action has caused me. Ive suffered great loss due to the misuse of my private property. They have failed to produce a contract that grants them rights to misrepresent me. 

I asked that they remove their slanderous statements from the public. They have failed to do so. Theyve also threatened to take legal action against for making this report
Consumer complaint received 2024-07-15
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. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), A credit account opened at XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card account with XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), and a collection account with XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ) .These Accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX and XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. C 1681 section XXXX A. States I have right to privacy 15 U.S.C. 
Section XXXX A Section XXXX it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( XXXX ) section states no consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more that XXXX  years. 
15 U.S.C. 16815-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is accurate. I have no contract agreement with any of these companies I requested proof that I have a contract with the companies no one has provided proof yet
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALTERRA GROUP, LLC (CA)

I applied to the CalFHA program on XX/XX/XXXX. 
And, on XX/XX/XXXX, I received loan numbers XXXX and XXXX from Alterra Home loans by application from ( Alterra Home Loans XXXX # XXXX | XXXX XXXX XXXX # XXXX ) It was informed that all the documents related to the loan had been completed and that the application would check if there were any documents required by the loan company. However, after 2 months, there was no contact, so I contacted the person in charge. However, he could not be contacted. 
The person in charge was contacted through numerous phone calls, voice messages, and emails. But he has no answer. I feel really bad. 
Below is the text of the last e-mail I sent to him. 


XXXX XXXX, XXXX XXXX XXXX. I'm in a pretty bad mood right now. I don't know how busy you are, However, this is not the right way to treat customers.. 

I duly applied for the program. 

Since the loan number was generated last month, if you need anything, you will let me know and it will appear in the application. 

So, after waiting for over a month, I contacted you because I was curious about what was going on. However, contacting you is as difficult as contacting XXXX or the President. I want to ask why I decided to talk with my son because I am not good at XXXX, but You did not answer the phone even when I called. In the meantime, I left numerous text messages, e-mails, and phone messages. however. you didn't contact me Why? Are you ignoring me because I can't speak XXXX? is it XXXX? Please clearly state your intentions. 

And, I need to explain why I have to make phone calls and why they don't call me. 

Please let me know by email how things are going.
Consumer complaint received 2024-07-15
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX.
Consumer complaint received 2024-09-03
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)

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. I also disputed incorrect personal information listed on my report and included a copy of my photo ID, social security card, and proof of address to help TransUnion verify my identity and address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Please be advised, this is now the third time I have received the same exact response from TransUnion. This is extremely frustrating and concerning, as it appears TransUnion refuses to accept my dispute letters without providing any actual explanation as to why they believe I am not the one submitting my own dispute. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It seems that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as they are required to do under the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, along with their response, as proof.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-06-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (IL)

My original XXXX XXXX XXXX savings account was with XXXX. I received the notice that it was being sold to SST. I continued to pay SST, however after learning about their practices I attempted to close my account. I also have a hardship in which I asked SST to skip payments. I requested that my loan be closed and my locked savings in the amount of {$2000.00} be used to pay off the remaining balance of {$600.00}, leaving me with {$1400.00} of savings being transferred to my bank account. They told me that I could not do that and that I needed to pay the loan in full or be late by 16 days and demonstrate hardship and wait another 45 days for MY MONEY. I told them that my ORIGINAL CONTRACT which legally is not supposed to be changed said that, for those that have made at least XXXX savings addition, the provision states that if the balance is less then or matches the sum in the locked savings account, the account may be closed. They said that it wasnt their process. I DID NOT sign anything with SST to change my original loan terms and they are legally not allowed to change or use their process on these accounts as legally my original loan terms could not change unless it was both signed in writing by myself and the company. The woman told me the only option is to go 16 days late and then see if I can apply for hardship. Again, THESE ARE NOT MY LOAN TERMS. I am requesting that my account my closed and my locked savings be used to cover the amount of {$600.00} and the {$1400.00} be transferred to MY BANK ACCOUNT- AS STATED IN MY ORIGINAL TERMS. 

My terms also stated that I would be able to have my XXXX XXXX XXXX  savings transferred to my bank account immediately and then I was told that SST will take 45 days to transfer which is against my original loan terms.
Consumer complaint received 2024-06-22
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 information is inaccurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 information is inaccurate.
Consumer complaint received 2023-07-19
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "
Consumer complaint received 2024-09-03
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 information is inaccurate.