davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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: EQUIFAX, INC. (NY)

I HAVE PROVIDED EQUIFAX WITH A DOCUMENT filed DIRECTLY FROM THE FEDERAL TRADE COMMISSION with a representative regarding fraudulent information that appears on my credit. HOWEVER EQUIFAX has taken it upon themselves to train their customer service representatives to state over the telephone that the federal trade commission document does not matter while IN FACT IT DOES BECAUSE IT IS A OFFICIAL STATEMENT OF CRIME. I WANT THIS REQUEST RESOLVED AS SOON AS POSSIBLE BECAUSE THIS IS THE THIRD TIME I HAVE PROVIDED THE REQUIRED DOCUMENTATION ASKED TO BE SENT BY EQUIFAX AND THE Fraudulent XXXX XXXX XXXXCCOUNT AND UNAUTHORIZED HARD INQUIRY STILL APPEAR ON MY CREDIT REPORT.
Consumer complaint received 2024-07-02
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. (OH)

On 05/09/2024 I mailed a first-class letter to TransUnion LLC Consumer Dispute Center Stating I had found the following items to be in error reporting on my credit report, requesting they be removed under Consumer Laws that were relevant to my situation. They did not respond to me with any positive news. They sent me a letter saying " We applaud your recent efforts to take charge of your credit. We want you to know were on your side and were here to help support you on your path toward credit XXXX. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. The letter goes on to say that I could count on them to achieve my credit goal, which is ridiculous because they have continued to ignore all my request. They asked me to go into the Transunion website to dispute anything I needed. A letter I believe was sent to waste my time. I had attached a Bill with my name and current address, A

Driver 's License even a copy of my Social Security card. All in color. Legible and Clear.

A Balance for a XXXX XXXX XXXX XXXX  Account opened in XXXX Still reporting unpaid- XXXX Incorrectly Reporting late payments XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX I also have also Sent Certified Letters to Transunion as well XXXX. 
No Response was sent me to as I requested. 
I sent another set of certified letters to Transunion on XX/XX/XXXX and have not received any type of update on any one of the Errors I have tried bringing to their attention. I have spent hours of my time both on trying to correct the Errors Reporting and the misuse of my credit report. I have spent money on sending letters to them both first-class mail as well as certified mail. I feel I am getting taken advantage of. It's become extremely stressful and time consuming. I truly hope I can get someone to help.
Consumer complaint received 2024-07-02
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 respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to formally lodge a complaint against XXXX XXXX XXXX and their client, CapitalOne, due to their failure to adhere to standard practices in providing monthly statements, payment receipts, and timely updates to credit bureaus regarding a business debt that I should not have provided a personal guarantee. 

Despite my consistent efforts to stay informed about my debt and make timely payments, XXXX XXXX XXXX and CapitalOne have not provided me with the necessary monthly statements. This lack of communication has made it extremely challenging for me to keep track of my payments and outstanding balance. Since XXXX, I have only received one monthly statement, XX/XX/XXXX, when several notices were sent to XXXX credit bureau due to inaccurate information on my credit report. 

Additionally, I have repeatedly requested payment receipts for the payments I have made. However, these requests have been ignored, leaving me without proper documentation of my payments. This lack of transparency is unacceptable and has caused significant stress and confusion. It is believed that XXXX XXXX, and their client, Capital One, has processed payments but not credited the appropriate account. 

Furthermore, XXXX XXXX XXXX and CapitalOne have failed to update the status of my debt with the credit bureaus in a timely fashion. As a result, my credit report does not accurately reflect my current debt status, which has negatively impacted my credit score and financial standing. My credit report also does not indicate that this was a business debt with a personal guarantee. 

I have attempted to resolve these issues directly with XXXX XXXX XXXX and CapitalOne to no avail. Therefore, I am seeking your assistance in addressing these concerns and ensuring that XXXX XXXX XXXX and CapitalOne comply with the necessary regulations and provide the required documentation and updates.

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXXXXXX XXXX XXXX  is reporting me as an authorized user on 2 accounts which i have never been an authorized user on any creXXXX XXXX XXXX accounts. XXXX XXXX XXXX is also hurting my credit by reporting late payments on this account and would like for XXXX XXXXXXXX to remove these accounts from my credit reports. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$30.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 80 % of payments on time Current red_status Not current Last payment XXXX XXXX, XXXX Payment status XXXX days late Amount past due {$120.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Dispute resolved ; reported by grantor XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Credit limit {$800.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time Current red_status Not current Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status Current ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Contact subscriber Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX 2022
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-03
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. (CA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX 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/year>
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OH)

I am filing this complaint in response to your letter or phone call dated XXXX XXXX XXXX # XXXX, # XXXX, # XXXX. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.

Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2024-07-03
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)

I AM VERY DISPLEASED THAT I SEE MANY FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.THIS IS REALLY DAMAGING MY CREDIT WORTHINESS. I AM TRYING TO BUY A HOME FOR ME AND MY CHILDREN AND THIS IS NOT FAIR. I HAVE TRIED SEVERAL TIMES TO GET THESE ACCOUNTS REMOVED. LET ALONE, MY INFORMATION WAS IN A XXXX AND XXXX BREACH SOME MONTHS AGO SO I THOUGHT YOU ALL WOULD PROTECT MY CONSUMER REPORT. I DO NOT FEEL THAT MY INFORMATON IS BEING PROTECTED. THIS IS A DEFAMATIOM TO MY CHARACTERAND THIS IS A FEDERAL LAW VIOLATION.ACCORDING TO, 15 USC 1681 [ A ] [ 1 ] [ 2 ] [ 3 ] [ 4 ] MY COMSUMER REPORT FAIRNESS AND PRIVACY HAS BEEN VIOLATED. I AM UPSET! I AM DEPENDING ON THE BANKING SYSTEM AND CREDIT REPORTING AGENCIES TO PROMOTE MY PRIVACY AND FAIRNESS AND THEY HAVE NOT.THIS IS NOT RIGHT AND GOING AGAINST MY FEDERALCONSUMER RIGHTS. CAUSING EMOTIONAL AND MENTAL STRESS NOW.ALSO, IT IS ILLEGAL THESE COMPANIES SHOULD NOT BE FURNISHERS OF PEOPLES INFORMATION TO XXXX PARTYCOMPANIES ITS ILLEGAL, NEGLECT AND FRAUD. I HAVE ALREADY REPORTED THIS TO LOCAL POLICE AND FAIR-TRADE COMMISSION.THESE COMPANIES CAN BE SUED FOR DAMAGES.THIS IS NEGATIVELY AFFECTING MY LIVELYHOOD AND PUTTING ME IN A BAD SPACE. I FEEL YOUR DATABASE IS INACCURATE AND I AM FILING LIGATION AGAINST THIS IF THESE ITEMS ARENT REMOVEDIMMEDIATELY.
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (VA)

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 2024-07-03
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-03
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. (AZ)

Chargeoff Balance Error : This account is incorrectly being reported as a charge of account with a balanced due. Please provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on said accountaccounts. fcra 605b said consumer alleges identity theft, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The law requires companies to delete disputed unverified information from consumer reports as the consumer acknowledges here and today that XXXX XXXX XXXX XXXX is a UNVERIFIED ENTITY in which the debt of {$920.00} is XXXX XXXX XXXX OBLIGATION to Settle not the consumer. For the harm caused by XXXX XXXX XXXX and TRANSUNION for false representation with the intent to Defraud and Deceive the consumer, compensation is demanded by said consumer in which XXXX XXXX XXXX and or TRANSUNION shall Pay to the order of the said consumer, {$5000.00} contact consumer for further instruction on where to send payment. 

Also Consumer tried calling XXXX XXXX XXXX at there contact number XXXX ( XXXX ) XXXX given from CFPB complaint, but it's no way of speaking with a Live Agent as the contact number given by XXXX XXXX XXXX is an AUTOMATION SYSTEM which can't nor provide help in speaking with a Live Representative to settle the issue at hand, which is another violation to Defraud and Deceive the consumer. 

ALSO REMOVE ALL INQUIRIES XXXX INQUIRIES TO BE EXACT WHICH HAS BEEN DELETED ALREADY BUT NOT REMOVED FROM THE CONSUMER 'S CREDIT ACCOUNT IMMEDIATELY.
Consumer complaint received 2024-07-03
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. (MD)

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 XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX  XXXX XXXX Balance Owed : {$4600.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00}
Consumer complaint received 2024-07-03
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. (AZ)

I am disputing these wrongfully reported accounts on my credit file and requesting an investigation. As stipulated by the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file, hindering my ability to lead a normal life, and causing immense hardships. 

The negative impact of these inaccuracies has been profound, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-10-01
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. (NY)

I am a victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the XXXX Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless
Consumer complaint received 2024-07-03
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX THIS DEBT DOES NOT BELONG TO ME. I WISH FOR IT TO BE REMOVWED FROM MY CREDIT.