davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX ( who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX 's attorneys could n't offer any proof. 

If you take a look at my supporting documents ( my letter to the credit agency and XXXX 's letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired SOL '' information from XXXX off my credit report. 

Many thanks, XXXX
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Coastline Financial Resources, LLC (AZ)

caller calls me at work from XXXX XXXX and gives a XXXX XXXX number to call regarding being served by uniformed officers regarding a legal case. no other information is given other than a case # and the name of coastline associates. when i look up the number they give to call i am finding scam alerts for credit card debt collection. I dont have any credit cards and i have never received any information by mail regarding debt collections
Consumer complaint received 2016-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Trans Union has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Trans Union has not removed them. Trans Union lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please accept this as a formal complaint against TransUnion Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold - remarks : transferred to another lender ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately one month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All XXXX credit bureaus report a different age of these accounts.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a certified letter to transunion over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,15 U.S.C 1681g, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA 15 U.S.C. 1681i all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. 
No documentation was mailed to me that was in your file. The 45 day period has expired and by law these accounts must be deleted. Just sending a letter stating verified is not enough. I requested documentation. I did not received a single documentation. This is a violation of my rights, I have consulted with an attorney. If documents ( proof of account being late, letters you have from creditor, proof that these are indeed my account, and balance owed on all accounts ) you have in your file are not mailed to me immediately, I will have to persue further action.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After creating an account at XXXX 's website I noticed on my trans unioncredit report that I have a civil judgement against me. I disputed the judgementagainst me on the trans union website and after 30 days had passed, trans union sends me an e mail saying that the investigation of my complaintresults in my civil judgement being valid by the law firm who sued. 
I discovered yesterday from getting court copies of this lawsuit that this is acase of mistaken identity. I am not disputing that the civil judgement is notvalid, what my dispute was about is that they have the wrong person. Thiscivil judgement is about someone else not me and should not be showing onmy credit history at all. Trans union I feel did n't do their job by removing thisoff of my credit history. This civil judgement clearly is valid but I am not theperson. They have me mistaken for someone else and I want this removedfrom my credit file. I have all the proof to show I am not the person in the civiljudgement and I am prepared to show what ever documents that 's needed so Ican finally get this judgement removed from my credit history.
Consumer complaint received 2017-04-06
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ad Astra Recovery Services Inc (TX)

AD Astra Recovery service is on my credit report. I did a request for verification of a XXXX loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the Summer I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with AD Astra Recovery. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from XXXX for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research XXXX. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about Astria Recovery and XXXX. I ca n't find they are invested with each other. Astra Recovery Systems and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX SEM scheduling called my home. He did give out Recovery Service was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to AdAstria. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. AdAstria had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that AdAstria did get in contact with him to verify him as my lawyer. AdAstria had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I 've submitted several certified letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( documented- time stamped certified letters ) to TransUnion regarding the request to remove fraudulent inquiries from my credit report along with a FTC Fraud Affidavit and police report. I 've recently submitted a certified letter XX/XX/XXXX regarding my final written offer of SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve their continued violation of the Fair Credit Reporting Act regarding their refusal to delete FRADULENT INQUIRIES from my credit report, but, again no response and it has now been 30 days. 
TransUnion has my ID Theft Affidavit and police report. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the FRADULENT INQUIRIES below are not deleted immediately. 

I would like the FRADULENT INQUIRIES below deleted immediately. 
XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft and their is unauthorized and fraudulent credit accounts and inquiries listed on my Trans Union that do n't belong to me. The following credit accounts and inquiries listed are fraudulent : 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 and XXXX, XXXX/XXXX/XXXX.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Tried to get a free copy of my credit report from all XXXX credit reporting agencies using the website XXXX. Only received credit Report for TransUnion. XXXX and XXXX did not provide their reports. And Transunion did not provide a credit score.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX in the amount of {$6300.00}. It shows that this judgment was filed on XX/XX/2009. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
Consumer complaint received 2024-09-17
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. (TX)

Ive tried contacting this company several times through Mail and CFPB AND I THINK ITS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND PUT THE SAME NUMBERS BACK ON MY CREDIT REPORT
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I originally disputed an error on my Transunion credit report on XXXX XXXX, XXXX where they were showing a XXXX account as a collection account. I am a XXXX customer and I originally verified with XXXX that this was an error in reporting, they agreed, and told me to dispute the error with Transunion. Transunion never responded to me within the 30 day time limit as required by the Fair Credit Reporting Act. I sent Transunion a follow-up letter on XXXX XXXX, XXXX and they never responded until XXXX XXXX, XXXX! As per FCRA I want the item XXXX reported and that I disputed removed permanently from my credit report since Transunion did not respond to my original dispute dated XXXX XXXX, XXXX.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have attempted numerous times to give TransUnion the opportunity to delete the late pays reporting to these accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX these accounts have not been verified nor did TransUnion respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). These accounts have not been late and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue. Remove these negative marks immediately for there are damaging my credit score.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX did not file their claim in a timely manner, as required by law, and is not entitled to the {$280.00} dollars, let alone the {$170.00} they have filed claim to. I have called them several times and each time I am told " they are investigating the issue, and although it appears their filing was not done properly, they are still investigating. '' Their official investigation was started XXXX XXXX. No other response has been given since, although I have called them at least XXXX times since XXXX XXXX.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX. I used to be XXXX XXXX. This was my married name. It shows on my report that XXXX XXXX is a name I used which is incorrect. It also shows I have worked at XXXX XXXX XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter XXXX and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 I purchased an electronic skateboard using this credit card from XXXX. Approximately 60 days later I began hearing a loud clicking sound coming from the right rear drive wheel of the skateboard and started noticing the skateboard was needing more frequent charging even though the route that I rode my skateboard on was the same distance. 

On XX/XX/2023, I contacted XXXX XXXX XXXX ( XXXX ) for the steps I need to contact the seller as I couldn't locate the information through the XXXX app. XXXX instructed me on how to contact the seller through their messaging service and noted my issues on my account. 

According to the seller 's listing for the skateboard, it comes with a 180 day ( 6-month ) warranty. 

To date, I have not received any communication from the seller in regards to handling the defections of my purchase and its warranty. 

Per XXXX 's instructions, I waited 48 business hours for a response from the seller and then re-contacted XXXX for further assistance on XX/XX/2023. I was advised at that point that there really is nothing XXXX can do to remedy the issue but they may be able to accept a " late return ''. The caveat to the " late return '', however, is that I will be charged a fee in the amount of 20 % of the purchase price. 

XXXX also advised me to try to reach out to the manufacturer for potential help with the warranty. I attempted to contact the manufacturer 's cusomter service on XX/XX/2023, and ( as of this date ) have not received any communication from them on the matter either. 

On XX/XX/2023, I initiated a dispute with my American Express Business credit card that the purchase was made on. During the call I articulated the details as I have outlined above to the American Express Customer Service ( AECS ) agent. 

On XX/XX/2023, I received a message from American Express noting that they are rebilling my dispute as they had received information from the seller that I had not returned the product. 

I am extrememly frustrated receiving this information since I was very clear with the AECS representative that I had not returned the skateboard because, simply, I have not been able to communicate with the seller or manufacturer for any instructions on how to resolve it. Further, it is frustrating in regards to the seller that they did not respond to me but, once their payment was at risk, they promptly responded to my credit card issuer.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion said they investigated a judgement against me and that it showed a XXXX balance, but it is still showing an amount no discharged accounts can show an amount .The original basis for the judgement from XXXX XXXX shows a XXXX balance as it should but transunion is showing a dollar amount under civil judgement and is not showing it discharged in bankruptcy, so it is incorrect.