davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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. (GA)

I hope this letter finds you well. I am writing to formally express my concern and seek resolution regarding an issue on my credit report related to a late payment and subsequent charge-off that have been reported inaccurately. I have attempted to resolve this matter through several previous communications, but the issue remains unaddressed. I kindly request that you address these inaccuracies promptly to prevent any further negative impact on my credit score and financial standing. I trust that you will treat this matter with the urgency and attention it deserves. Please help me correct the late open and remove the charge off accounts immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance : {$9600.00} Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXXBalance : {$460.00} The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX Balance : {$3600.00} I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Accounts were opened that I don't know about, XXXX XXXX was opened on XX/XX/XXXX and XXXX XXXX was opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX. There are also 63 inquiries on my credit that I don't know about, please delete 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
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. (MS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete these inquiries due to violation of 15 USC 1681b 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I made my mortgage payment usually by calling in difficulty accessing mortgage website. I had a contact person at the bank name XXXX, who encourge me to call or email him due to multiple customer staying difficulty with the website. I have call in payment for the duration of the loan. In XXXX, I called in my payment and quickly realize that the money was still in the account before the ending of the month, I send an email to XXXX asking why the payment was still in my account and sent the corrected banking information to XXXX and payment was debited on time. XXXX payment was call in upon returning for overseas on XX/XX/year>. I realize that no debit on my account on XX/XX/year>. I ask the bank to read the account number on file of which they did not correct the account number, the error was the same as lat month, the bank had an extra XXXX XXXX in my account number, so it rejected I quickly brought this to XXXX bank attention and also letting them know this error was the bank error. However, even with the email as evidence, I was ignored and reported as late that severely impacted my credit. I am in process of purchasing another property at this time. I receive a change of address in the mail, I do not believe I requested this. The correct information on the loan, should have been in the banking system from day one of servicing. 
Please assist as soon as possible.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed inaccurate information with XXXX in regard to this account XXXXXXXX XXXX XXXX stated the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my XXXX report the account displays an open date of XX/XX/XXXX but this account was actually opened XX/XX/XXXX, it should be falling off my credit report XX/XX/XXXX. The report shows do date for when the payment history which is another inaccuracy! The account is also Charged off TWICE which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that XXXX allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the XXXX credit report website XX/XX/XXXX. I've attached the results of the requested investigation and I've attached the response showing that XXXX told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, 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. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} Request : Delete account immediately
Consumer complaint received 2024-07-10
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted TransUnion several times regarding XXXX XXXXXXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXXXXXX ( Acct # XXXX ) being reported inaccurately. Both accounts are falsely reporting late payments. I have asked TransUnion to verify the late payments on these accounts. The dispute results came back as verified. I requested proof or documentation regarding the late payments on each account. The credit bureau will not supply the evidence. 

In accordance with the Fair Credit Billing Act and Fair Credit Reporting Act, I am requesting that TransUnion provide me with a copy of the ( XXXX ) day statements that was delivered to me prior to the billing due dates. If an e-statement was sent, please provide a copy of each email correspondence with the e-statement. If the statement was delivered by mail, please provide a copy the documents mailed and include the tracking details and/or return receipt. 

If evidence can not be provided that these late payments are valid and proper notification was provided prior to furnishing these delinquencies on my credit report, then the late payments must be removed from both accounts immediately. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I recently reviewed my credit report and noticed accounts reporting that do not belong to me. The accounts are fraudulent and need to be removed immediately under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). I am attaching the FTC report that details the fraudulent activity. The accounts associated with identify theft are XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-07-18
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX and Equifax have been reporting incorrect information on my credit report. The Collections for XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX Do not belong to me. These XXXX are not my accounts I have never opened up any \accounts and not paid for them and I certainly have not signed or opened these XXXX accounts. I have been disputing these XXXX accounts witjh the XXXX bureaus for over XXXX  months and not once have they verified that these are mine they just come back with verified. I would not be fighting this hard if these were my accounts. But they are tarnishing my credit and not helping me. I am an ethical citizen and I do not appreciate identity theft which is the case here and no one is helping me out.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Hi- I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. 
This letter is a formal complaint that you are reporting inaccurate credit information. I am very XXXX that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
XXXX XXXX - XXXX - Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agree/never late. 
XXXX XXXX - XXXX - Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agree/never late. 
XXXX / XXXX - XXXX - This account is NOT reporting completeness and accuracy. Your company is not assuring maximum possible accuracy. Please delete this account from my consumer report. 
XXXX - XXXX - This account is NOT reporting completeness and accuracy. Your company is not assuring maximum possible accuracy. Please delete this account from my consumer report. 
XXXX - XXXX - This account is NOT reporting completeness and accuracy. Your company is not assuring maximum possible accuracy. Please delete this account from my consumer report. 
XXXX XXXX - XXXX - This account is NOT reporting completeness and accuracy. 
Your company is not assuring maximum possible accuracy. Please delete this account from my consumer report. 
XXXX XXXX  XX/XX/XXXX - Please delete this unauthorized hard inquiry IXXXX XXXX XXXXXX/XX/XXXX - Please delete this unauthorized hard inquiry 1 of 5 XXXX XXXX XXXXXX/XX/XXXX - Please delete this unauthorized hard inquiry The listed item is completely inaccurate and incomplete and is a very serious error in reporting. 
Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

I discontinued services and closed my account with XXXX  on XX/XX/XXXX. I received an email confirmation from XXXX on XX/XX/XXXX confirming that they received my request to cancel services. My last payment in the amount of {$170.00} was made on XX/XX/XXXX which brought my balance to {$0.00} owed. 

I called XXXX customer service on XX/XX/XXXX to confirm that my services had been, in fact, canceled and to ensure my account balance was still {$0.00}. The customer service agent said there must have been a mix up at XXXX as it was still showing that the account was open on her end. The support agent " canceled the service again '', gave me a cancellation # and confirmed my account was showing a credit of {$220.00}. 

On XX/XX/XXXX at XXXX I went to my local XXXX  store to return my equipment. My customer support sales person was XXXX XXXX. He opened my account details and it was still showing that my account was NOT canceled! Because I had the supporting documents that showed I had canceled my services on XX/XX/XXXX, XXXX was able to backdate the account to reflect the cancellation date of XX/XX/XXXX. He took my equipment to send back to XXXX, printed out my receipt and made copies of the shipping labels and advised me to " keep copies of the receipt and shipping labels as XXXX has a tendency to claim they did not receive the equipment ''. I have all receipts, labels, and correspondence on file. 

I thought everything was fine and issue was resolved until I received my first notice of debt collection on XX/XX/XXXX for {$180.00} from XXXX XXXX on behalf of XXXX. I immediately disputed the claim in writing and sent copies and supporting documents to XXXX XXXX, XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. 

I didn't not receive any response back and again assumed issue was resloved. 

I just received a second debt collection notice from a different company, Convergent Outsourcing Inc, on behalf of XXXX for the amount of {$180.00} on XX/XX/XXXX. I have written to Convergent, again disputing the claim and asking for proof of what debt XXXX  claims I still owe.