davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (WI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : These are inquires that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (WI)

When I reviewed my credit report, 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$8200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$96000.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-22
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. (NV)

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$320.00}
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

The only address should be reported on my consumer report should state. 

XXXX XXXX XXXX XXXX md XXXX The only name reported on my consumer report should be stated. 

XXXX XXXX XXXX The only phone number reported on my consumer report is XXXX any other names or address and phone should be removed.
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

On XX/XX/XXXX I received a phone call from XXXX XXXX from Kimball Tirey & St. John LLP, trying to collect a {$400.00} debt from my previous apartment management company XXXX XXXX. XXXX  has not adhered to California Civ. Code, 1950.5. regarding charges and deposits. After notifying XXXX in 2022 about their incorrect charges, they adjusted the amount, although their request remains incorrect.

They are charging me for : - Painting the apartment - Cleaning the apartment - New closet doors- Changing front door lock - Security lock removal The only charge I agreed to pay for was a security lock removal once a receipt was shown, however no receipt has ever been shown even though I asked the law firm for this when they contacted me. The receipt they sent to me last week is the same handwritten receipt I was shown from XXXX  that is from a handyman who apparently painted, cleaned, and got new closet doors. However, I painted and patched up the apartment before moving out and I have shown them email proof with XXXX  that I bought the paint and painted the apartment. I also did a deep move out cleaning. Painting and cleaning is within normal wear and tear and not something they can charge me for. A handyman also recently came before my move-out to put in new closet doors.

They also want to charge me for changing the door lock, but the change was their decision and not my expense ( and not something that a landlord can deduct from the security deposit anyways ). 

I disputed it over the phone and will mail an official dispute this week of XX/XX/XXXX. Today XX/XX/XXXX, they called me and confirmed my dispute and told me they will still send me to collections, despite my email and proof sent to them.
Consumer complaint received 2024-05-22
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 writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. I ask you to remove this account from my report ASAP : XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-10
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. (CA)

in accordance with the fair credit reporting act.. XXXX XXXX  account number XXXX, has violated my rights. 
15U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY RWRITTEN INSTRUCTIONS
Consumer complaint received 2024-05-22
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. (IN)

Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXXBalance Owed : {$870.00}
Consumer complaint received 2024-05-22
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

After speaking with a representative from Chase Sapphire regarding his credit mistake on my credit card account, I followed his plan to arrange a wire transfer in order to offset his mistake. It turned out to be a scam. CHASE now denies any responsibility.
Consumer complaint received 2024-05-22
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. (OR)

I believe FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Could you examine the documents? Some accounts listed have errors in reporting, including inaccurate amounts and dates.
Consumer complaint received 2024-05-22
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. (FL)

In accordance to the fair consumer credit act the list of accounts have violated my of privacy and confidentiality 15 usc 1681 XXXX Report number XXXX XXXX I have the reach out to XXXX XXXX  and I have debt consolidation team working with them but they are reporting late payments on my credit report if my mind serves me correctly XXXX XXXX account number is XXXX the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681s 2 a 1 15 usc 1681c a5
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. $ XXXXwritten off. {$760.00} past due as ofXXXX   XXXX. 
Status Updated XX/XX/XXXX Balance {$760.00} Balance Updated XX/XX/XXXX Recent Payment {$100.00} as of XX/XX/XXXX Monthly Payment - Original Balance {$1500.00} Highest Balance - Terms 34 Months On Record Until XX/XX/XXXX This item was updated from our processing of your dispute in XXXX. 

However this debt is unknown to me and was sold to a 3rd party collector. 
XXXX, XXXX, XXXX, & XXXX it has been paid in FULL by a judgement XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX vs. XXXX XXXX Case Number : XXXX Settlement Amount : {$1200.00} Creditor : XXXX XXXX XXXX XXXX. 
Firm File Number : XXXX I have tried to contact XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX for proof of settled account no reply. 

STIPULATED AGREEMENT was started XX/XX/XXXX for $ XXXX XXXX of {$1200.00} as of XX/XX/XXXX this has been completely settled. This account was never veriefied from XXXX but agreement with XXXX, XXXX, XXXX, XXXX XXXXXXXX was made and paid in full. 

Please remove any and all bad reported marks on this account for XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank you
Consumer complaint received 2024-05-22
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. (NJ)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed this account from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how this account was verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

In XXXX of 2022, I received a message from PayPal ( the object of this complaint ) that my account, and my person, had been permanently limited ( banned forever ) for undisclosed reasons that they claim would jeopardize their security measures to disclose. As the account holder, I should at least be informed of what such violation they claim occurred in order to legally refute it. 

Having never violated any of their stated policies, I can only assume that myself and thousands of other Americans who are currently experiencing this are being unfairly targeted and discriminated against for some other reason. 

PayPal provides no means to appeal their decision, no way to contact anyone who can offer an explanation, and in retrospect- feels as though I've been accused of a crime, convicted, and sentenced with no recourse. Please investigate.
Consumer complaint received 2024-06-24
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. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2024-05-22
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. (IL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-22
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. (IL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2023, Chase notified me that they made a decision to close my account without any explanation. Chase is holding over {$29000.00} in my accounts and will not release them for 10 days after my account is closed. I told Chase that I urgently needed my funds because I have bills to pay such as energy, lights, and credit card. Chase will not release even a partial payout to me to pay my bills. Checking accounts XXXX and XXXX. Chase said that a cashiers check would be issued in a few weeks.
Consumer complaint received 2024-09-05
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX & XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-08-24
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: Rocket Mortgage, LLC (CA)

I have noticed many inquiries on my report that I have never made or attempted to make. Please remove the following inquiries off my report immediately for they have effected my livelihood, and mental state of mind. Because of these inquiries I was denied to get a place which has caused me to become homeless.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have always paid this account on time, ensuring it never goes overdue. I'm not clear on why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors must be corrected.
Consumer complaint received 2023-08-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I only found that that I am in collections from " FIDELITY CREDITOR SERVICE '' due to my credit report. I have never received a call, letter or any sort of communication from this company. on my credit report, it shows that they have started a collection back in XX/XX/XXXX which a have no recollection of and no proof for validation of the money owed of {$2000.00}. I wound appreciate to resolve this matter.
Consumer complaint received 2024-07-24
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. (TX)

I am extremely frustrated with the credit reporting agencies responses, claiming the investigation of these accounts returned as verified. My credit report continues to contain multiple inaccuracies.

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I am entitled to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report still reflects discrepancies. Rectify these errors promptly and provide the documentation I am entitled to under the law.