davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my dispute results and documents are attached to this complain as well as my FTC REPORT! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal. 

ACCOUNT NAME - XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! 

I DEMAND EQUIFAX AND XXXX TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!
Consumer complaint received 2024-10-09
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. (OK)

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX employer is : XXXXXXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Debt Validation Dear Whom Is my concern, I am writing to request validation of the debt referenced in your correspondence dated [ insert date of the debt collector 's letter you received ], which claims that I owe an amount of [ insert amount ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : XXXX. The amount of the debt you claim I owe. 
XXXX. The name of the original creditor. 
XXXX. Documentation that verifies I am indeed responsible for this debt. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. A detailed account of any fees or interest that are being added to the original debt. 
XXXX. Proof of your authority to collect this debt on behalf of the original creditor. 

Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to provide verification of this debt, please inform me so that I can take appropriate next steps. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX employer XXXX : XXXXXXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2023-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2023 I sent certified mail to The reportion credit unions about illegal activity being written on my report. With no response. 


Under 15 USC 1681b - permissible purpose of consumer report, TI LAW CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to subsection 1681s-3 of this title any- ( i ) Reports containing information solely as a transaction or experiences between the consumer and the person making the report.
Consumer complaint received 2024-10-09
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)

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 is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX : XXXX XXXX Transunion : XXXX XXXX
Consumer complaint received 2024-10-07
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. (FL)

I did not authorize any of the below. Please remove all my credit immediately. 

TransUnion credit file XXXX XXXX XXXXXXXX - ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX- ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX  - ( inquiry ) XXXX XXXX XXXX XXXX XXXX - ( inquiry ) XX/XX/XXXXXXXX XXXX XXXX - ( inquiry ) XXXX/XXXX/XXXX XXXX XXXX XXXX - ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX - ( inquiry ) XX/XX/XXXX PLEASE REMOVE IMMEDIATELY!!!
Consumer complaint received 2024-10-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I initiated services with XXXX XXXX XXXX XXXX earlier this year at XXXX XXXX XXXX Terrace which was my current residence at that time. Subsequently, my XXXX passed on XX/XX/XXXX and as a result my siblings and I decided to sell the home in XX/XX/XXXX. Moreover, I paid my final bill to XXXX XXXX XXXX and moved to an apartment XX/XX/XXXX. Upon my arrival, I was informed that the only internet service I could use at that residence was XXXX, because they use bulk internet services. Furthermore, I was instructed to go to the XXXX store and get a new modem so that my internet service may be established. In closing, that is the reason I returned the modem back to XXXX XXXX XXXX now I being harassed about a bill that does not belong to me. This year has been stressful enough and I will not tolerate threats of any kind in regards to my credit.
Consumer complaint received 2024-10-09
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 purchased a new home in XXXX  and moved from XXXX. Unfortunately, plans did not go as planned and I was behind right away. I kept close communication with my lending company letting them know when I would be making my payments. A representative I spoke to assured me, my credit would not be affected as long as I made my payment when scheduled. A couple of times, the second half of my payment was past the 30 days but it was confirmed by a representative that there would be no credit reporting as long as I paid it as scheduled. I have been hit with a payment on my credit report which has brought my credit score by about XXXX pts. The mortgage company said they did an investigation and found no calls of any of their representatives telling me such information. I find it hard to believe they thoroughly went through those calls because if they did, they would have heard when the representative told me my credit would not be affected. I have worked really hard to make sure my credit does not go down due to late payments. I have 100 % payment history on my report.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-30
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

The issue started in 2023 Comenity took over Dell Payments ( never ever had an issue with them ) and never sent any statements and I could not access my account. I also have a Sephora account through Comenity. When I called them to get access to my Dell account they told me that will have to issue me a new card because even though they took over Dell they can't switch the account. Then they incorrectly closed the Sephora account by setting up a new account and then didn't send me that and when I could not access the Sephora account had to go through hoops to get them to reissue a new card and all this time they still had not set up the new Dell account so I could make payments. It was five months of this back and forth. Finally they corrected everything but have been behind ever since. Every time I get somewhat current they're hitting me with another late fee and are calling me up to 9-10 times a day.
Consumer complaint received 2023-07-18
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)

Legal Department, I have submitted dispute on the following fraudulent accounts, and they were returned back to my credit history after being removed per lenders request. The accounts that are being disputed are fraudulent and as of my knowledge according to the facts they shouldnt be reported back. 

The collection accounts listed below are items currently within my credit file, and they are not related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts : 1. Account name and number : XXXX XXXX XXXX Date it was opened : XX/XX/XXXX 1. Account name and number : XXXX XXXX Date it was opened : XX/XX/XXXX
Consumer complaint received 2024-10-09
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. (AZ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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: SYNCHRONY FINANCIAL (GA)

SYNCB/SAMS Account # : XXXX Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/year> The account passed the statute of limitation and I am requesting it be removed from my credit report.
Consumer complaint received 2024-10-09
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. (AZ)

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.
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: Experian Information Solutions Inc. (NC)

I went into the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss my XXXX mortgage payment. I hoped that arrangements could be made regarding the XXXX payment only. I was trying to avoid 30-day late penalties for consecutive months. As the date I receive my retirement pension falls after the XXXX of most months. I knew if this was a possibility I would certainly be able to make my regular payments on time beginning XXXX. 
I sat down with XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and shared this concern with her. She then called the Mortgage Servicing Dept via speaker phone. We shared with XXXX ( Mtg Servicing Rep ) the concern. XXXX stated that the XXXX payment would be spread out over six months. I agreed to pay {$140.00} plus regular payment amount of $ 889 monthly for 6 months. Which I did. There was no mention of having to pay the late fees. 
The very thing I tried to avoid has happened. Included with my XX/XX/XXXX statement, due XX/XX/XXXX was a late fee charge of {$27.00}. As you can see on the attached statements no late fees were noted prior to this statement. I called and spoke with XXXX on XX/XX/XXXX in regards to the fee to no avail. I called again on XXXX, spoke with XXXX in Collections, XXXX in Mortgage Servicing to no avail. I was told there wasn't anyone else I could speak with. The bank is aware of the agreement and there are notes in their file. Im not sure why the bank didnt abide by the agreement. Perhaps it was due to a lack of training. While I didnt receive a written agreement, I thought it would be ok as the bank official XXXX XXXX XXXX the agreement as I did and she is just as concerned as I am regarding this issue. XXXX has made as many calls as I have concerning this. As a result of this reporting now showing three month late on my credit report and one of my credit card accounts has been closed. I would have sought other options had I known it was going to be like this. My plan was to avoid having negative reporting on my credit report. I have disputed the fee with Experian
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a natural person, I am a living being. I have rights under 15 USC 1681.

TransUnion is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

TransUnion has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion the right to furnish this account.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance XXXX : {$47.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$3600.00}