davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I had a total XXXX XXXX in XX/XX/2021 during the height of Covid and started physical therapy shortly after at XXXX XXXX XXXX because it was the closet to my home. Really was not the best of service so after several visits I changed to another physical therapy company across town. Upon transfer for my last visit with XXXX I made sure to ask what was my amount due to pay if any and was told by the Lead Therapist that insurance had taken care of amounts. I never received ANY bill, correspondence or notification of monies due but had an account to be forwarded directly to a collections agency. ( WHY ). All other monies through this XXXX with physician, hospital and even therapy have been paid as agreed. So to never receive any bills from XXXX but have them send my account to collection without ANY notification seems unfair and unjust as a client. I have spoken with several other clients and understand this is a tactic they often use.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I took a look at my credit report XX/XX/2024 and noticed some things are incomplete and no 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 accuracy of the information concerning the individual about whom the report relates. 

I sent multiple letters asking them to reinvestigate these accounts listed below because [ XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ Late Payment - XXXX  XXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ Late Payment - XXXX  XXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ Charge Off - XXXX XXXX  XXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX off - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX - XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-09-27
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 reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Consumer complaint received 2024-09-19
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 need your support with the incorrect account appearing on my credit report. This matter has harmed my reputation, and I am requesting your help to fix it. The mismanagement of my credit report has put me in a tough spot, and my reputation has suffered. You are required to eliminate the incorrect details from my credit report.
Consumer complaint received 2024-08-01
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. (GA)

**15 U.S. Code 1681m - Requirements on Users of Consumer Reports** This section requires companies to provide notice when adverse actions are taken based on information in a consumer report, which can include hard inquiries. It also mandates that companies certify the purpose for which they are obtaining the report. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My accounts was 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/updated. 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. 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!
Consumer complaint received 2024-09-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX has been known for their unjust and fraud practices when it comes to their business. They have not only misplaced my original contract with the wet signature, validating the debt ; they also violated several of my personal and consumer rights with false and deceptive sales, not disclosing my right to rescind and taking a cash payment with a finance charge. In addition, they have illegally repossessed the vehicle and harassed me for payment. Not to mention, this information is on my credit report and reported inaccurately. None of the information is correct and the same with all XXXX credit bureaus, nor is it correct This was a credit sale not an auto loan ; therefore the account type is listed incorrectly, the last reported date has different dates listed between the credit bureaus, the account status is reporting different between the bureaus, the date the account was opened is also reported different amongst the credit bureaus. This is a major violation as I was promised accuracy on my credit report under federal law.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Recently, I reviewed my credit report and discovered several inaccuracies. I am writing to formally dispute several inaccurate accounts listed on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) provisions. Specifically, I am referring to the accounts : XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I have previously disputed through two letters without receiving any response.

Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( 5 ) mandates that if any information is found to be inaccurate or incomplete, it must be corrected or deleted. 

As per these statutes, I assert that the information reported for XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX is not 100 % accurate across all three credit reporting agencies. Therefore, it is my legal right to request that this account be updated to reflect accurate information or removed entirely from my credit report. 

I expect a thorough investigation into this matter and request that the inaccuracies be addressed within XXXX days. Should my request not be fulfilled within this timeframe, I will be compelled to initiate litigation to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-26
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. (TX)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have a letter from the FSA dated XX/XX/2021 that says the following :.

We have carefully reviewed your application for borrower defense and determined that any loans that may have been eligible for discharge related to your enrollment at XXXX XXXX were previously cancelled or discharged.

Yet this continues to remain on my credit report regardless of how I try to get it off. The only XXXX loans I've ever had were from XXXX XXXX XXXX which, due to scamming myself and others ( verifiable by just doing a simple XXXX search ), changed their name to XXXX XXXX XXXX This should be removed from my credit report. Not only did XXXX XXXX withhold my XXXX because they said I needed to pay my XXXX loans in full, but they lied to get me in the door. They specifically said they had a work placement department that would get me interviews with companies in my related field, which was XXXX XXXX XXXX XXXX Well, the only thing they had for me XXXX XXXX XXXX XXXX XXXX XXXX, to which I said the only reason I went with your school was because you said I would get interviews for jobs in my field as I got close to XXXX 

This is where the loan originated, and whether it was bought, sold, or refinanced doesn't matter. It's with XXXX now, but the FSA said it's discharged, and I want it removed ASAP. I have documentation if needed.
Consumer complaint received 2024-09-27
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. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX and fraudulent inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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  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.
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (KS)

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 2024-10-28
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. (PA)

I was stunned to find inaccurate accounts on my credit report this afternoon, and I have no explanation for why theyre there. I regularly check my report, but this time, there were unexpected discrepancies that I couldnt overlook. I even refreshed my browser, hoping it was a mistake, but the false accounts didnt disappear. I need the documents I submitted to be checked thoroughly so I wont have to worry about this issue anymore.
Consumer complaint received 2024-10-28
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. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXXXXXX Account Number : Account Number : XXXX XXXX XXXX Account Number : Account Number : XXXX XXXX Account Number : Account Number : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal law.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disputing the inaccurate personal information on my credit report from Experian. The addresses listed '' XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, '' " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, '' and " XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX '' are not associated with my residence. The inclusion of these incorrect addresses is negatively impacting my credit profile. I request that these inaccuracies be removed and that my report be updated with the correct information. Please investigate this issue and correct it in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-28
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. (VA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-28
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. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.