davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX from XXXX XXXX XXXX h

as violated my rights. 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 an account without my written instructions. This is my second attempt requesting this company to investigate this account. I do not recognize this account and I never applied for a credit with this company. This account is a fraudulent account open under my name and social security number. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failure to conduct a reinvestigation ; request for damages under the FCRA
Consumer complaint received 2024-09-06
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 a chime bank credit builder card, it is being reported as having a balance to the credit bureaus. The only money on that account is money I put there. This made my credit score take a XXXX point drop out of nowhere completely blindsiding me while trying to make a vehicle purchase. This information is incorrect and has cost me hours of my time and many more of frustration and stress. This incorrect reporting, especially on something advertised as a safe way to help build credit scores, is a violation of my rights under the Fair Credit Reporting Act and it needs to be fixed now. Now I have to wait up to 30 days for it to be fixed as I filed a dispute with TransUnion earlier this evening. Their customer service shuffled me around from person to person before asking to file a dispute, which I was then not able to do on their website due to a nondescript error and was recommended I mail or try by phone in this technological age its hard not to feel brushed aside while the credit bureaus play with my life like puppeteers. I asked myself what can I even do? The new American dream work your life away while we assign arbitrary numbers intended to keep the poor people poor making it impossible to get financing for lifes basic needs that are ridiculously overpriced to start with. Throwing on XXXX % on borderline predatory loans and credit cards taking advantage of people who have no other options. I am disgusted and theres no where to turn. Its just sad, this isnt the XXXX my grandfather fought for.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just recently reviewed my profile and

Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind.

Remove these items that are erroneous in my file for
they do not belong there : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (NC)

On XX/XX/year> I received a credit card in the mail from Discover. I never applied for this card or authorized them to open a credit card account in my name. 
On XX/XX/year> I contacted Discover and explained the situation, asked that the account be closed and that they remove the account from my credit history. I also asked that they email me confirmation when this was completed. It is still the same day but so far I have not received an email from them.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On XX/XX/year>2024 I saw that my credit score had decreased by XXXX  points on my credit report it did not give an example on my online banking as to why and I tried to many times get to the company responsible so that I could find my credit report instead I was locked out and I was given poor customer service by the people at transunion and it made me frustrated and upset I said some things but I didn't mean them but either way I did not get my credit report and I was begrudgingly forced to seek council legally just to get an idea of why they may have dropped my score when I was at a XXXX  and now it's XXXX  this is upsetting as I need this credit score to be high enough and have paid my bills on time always paid my debt 's and done everything I can to make sure it's has a good score I hope you can tell them that I am very upset with them and will be calling as many credit agencies as I can thank you! I also was not able to get anything out of XXXX XXXX XXXX bank as to why but it was not their fault I believe but the issuing credit agencies and their TransUnion credit I am sorry to slander such a company like this and do not mean anything by it I'm sure others have had better experiences I would not recommend using this service but these are my own opinions and they are too relatively put the concerns of bad service and not respectively slander the company in such a way that it would do bad business but that it would be enlightened to allow it to change practices to serve all of their wonderful customers
Consumer complaint received 2023-08-04
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. (NY)

I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: YSA ARM LLC DBA Oxygen XL (CA)

Subject : Urgent Dispute of Unauthorized Collections Dear XXXX Dispute Resolution Team, I am writing to demand the immediate removal of two unauthorized negative collections from my XXXX credit report. I have no knowledge of these accounts and did not authorize them. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required to verify any accounts you list on a credit report through the physical verification of the original signed consumer contract. This requirement ensures that fraudulent accounts can not be included in credit reports. I demand that you provide verifiable proofspecifically, an original consumer contract with my signatureof the accounts listed below. If you can not provide this verifiable proof, you must remove these accounts immediately. 

The unauthorized collections in question are : - **OXYGEN XL** Creditor XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$420.00} - **OXYGEN XL** Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$390.00} These accounts have adversely impacted my credit score and my ability to obtain credit. Under the FCRA, unverified accounts must be removed from my credit report. Failure to provide the required proof or remove these accounts will be a violation of federal law. 

Please address this matter urgently and confirm the removal of these entries or provide the necessary documentation within the statutory timeframe. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AXOS FINANCIAL, INC. (CA)

I opened the saving account online with XXXX and deposited {$300.00} in XX/XX/XXXX, upon opening i never received any confirmation that my account was opened and after sending email to them I got a reply that my account was open. Their customer service never answered any phones, i assumed that we do not want to deal with this bank and i left the account as is. I logged into the bank site on XX/XX/XXXX and found that they have been deducting {$10.00} every month as a service fee. We never received any bank statement from them or any email explaining that they are robbing us like this. This is a grave concern as they might be doing it to a lot of people. Please help me
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (KY)

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Jefferson capital systems acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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: Partners Financial Services Inc (TX)

I am writing to dispute the inaccurate reporting of an account on my credit report, which is listed as a joint account. I was a cosigner or authorized user on this account, and it was agreed that once the account was paid satisfactorily, it would be removed. The account has a {$0.00} balance and has already been removed from the primary owner 's credit report. 

Your current reporting not only reflects this account inaccurately but also violates the FCRA. Additionally, I have serious concerns about the way you are reporting the accounts payment history. You show the account as XXXX days late after being reported as XXXX days late, which is incorrect. According to standard reporting guidelines, an account must first be reported as XXXX days late before being marked XXXX days late. Further, you incorrectly report the account as XXXX days late from XX/XX/XXXX to XX/XX/XXXX, only to then show it as XXXX days late in XX/XX/XXXX. This is clearly false and negligent reporting. 

Due to these violations and the misrepresentation of the account, I demand that you immediately remove this account from my credit report. Please remit payment to the address listed on the attached True bill for the damages caused by these violations.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

After the recent data breach where my SS # was released I froze my credit reports. XXXX and XXXX were both quick and simple. TransUnion however has me behind a paywall. I assumed this was some sort of error that would be fixed in short order. Fast forward to today ( XX/XX/year> ) I am still behind a paywall. I opened a chat with a TU representative ( AI I think ) and was told to either pay or create a new account. I was very surprised that they insisted on the paywall and that the way around it was to create a new account. That raised some questions that the ( AI? ) refused to answer. Will the accounts merge, or lose data when they do? This is no streaming service, I don't want XXXX accounts. The standard response of the ( AI? ) was " we are sorry for the inconvenience ''. I tried over the phone, no live representatives. The automated system was slowly working its way through, then I was disconnected. Same results on the second phone attempt. Would I be disconnected if I paid? 
For the record my TransUnion account is still unfrozen and accessible to anyone who runs my credit weeks after I began the attempt to freeze it because I wont pay them. I have to wonder, how many people did they get to just give up and pay them. There must have been a stampede of people trying to freeze files after the data breach. They probably made XXXX. Which will be ongoing as they led people to believe they needed to pay to have control over their reports. 
To cut through the babble above. I would like TransUnion to allow me a single account that has access to freeze or unfreeze my credit report when I see fit as required by law.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Denefits LLC (PA)

My name is XXXX XXXX I need contract : XXXX to be removed off my credit reports for all 3 credit bureaus and for my mom XXXX XXXX credit report to be removed off my credit report for all 3 credit reports bureaus I need the account to be removed off the credit bureaus for all 3 bureaus etc.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX,
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX from XXXX XXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I don't recognize this account ; and I have never been applied for a Credit Card from XXXX XXXX XXXX, this account is a Fraudulent account. 
Failure to conduct a reinvestigation ; request for damages under the FCRA
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, 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 2024-09-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Robinson & Hoover (OK)

Good afternoon. My name is XXXX XXXX. I had gotten a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX this year I made all my payments until I was jumped and robbed of my vehicle. I was sent a letter from Robinson, Hoover XXXX XXXX, XXXX saying that I owe {$17000.00} and that it will be sent to the company ASAP. I lost my car XX/XX/XXXXXXXX XXXX XXXX XXXX  until XX/XX/XXXX. I shouldn't owe this money as I had no way to pay it. I would like to complain as XXXXXXXX XXXX  and XXXX XXXX police department are aware of my vehicle being stolen. Please let me know that this is stopped and taken care of. XXXX XXXX XXXX is or should be aware of the situation making it inactive. Thank you for your time to read this and taking every requirement to stop this. 

XXXX XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (CA)

XXXX XXXX and Diversified ADJ SERV creditors will not dispute the problem and account. I have no knowledge of the account which was opened with my identity I have XXXX XXXX in XX/XX/2023 I never had a XXXX account in XX/XX/2023. The creditors and XXXX computer refuse to dispute this problem or remove the account from my credit report. I have contacted the company number times and I have disputed the company through other credit monitoring companys. Yet although nothing has been resolved. I do not owe XXXX XXXX or Diversified Adj Serve  collection agency nothing. The account does kit belong to me I would like to know which phone and phone number was used and if we can do an investigation into the matter about the IP addresses and why is the bill supposedly {$780.00} is what is an open balance I have no knowledge of the account it does not belong to me. If possible can we investigate what are the subscription on the account and bill charges amounting in {$780.00}