davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
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. (NC)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-03
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)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-03
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)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number XXXX XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-03
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)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number XXXX XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (NY)

Dear CFPB, I am writing to formally lodge a complaint regarding a debt collection notice I recently received from Cedars Business Services. The notice indicates that I have a past-due balance of {$1000.00} with XXXX XXXX XXXX XXXX XXXX 

However, I must clarify that I have never visited or utilized the services of XXXX XXXX XXXX XXXX at any time. I firmly believe this is a case of identity theft. 

Upon discovering this discrepancy, I have taken the following actions : Reported the incident to the Federal Trade Commission ( FTC ). 
Reported and closed all accounts that I was aware of being compromised. 
I am requesting your assistance in disputing this alleged debt and ensuring that it is removed from my records. This situation has caused significant distress, and I am seeking your prompt intervention to resolve this matter. 

Thank you for your attention to this urgent issue. I appreciate your assistance in protecting my consumer rights and addressing this identity theft incident. 

Sincerely,
Consumer complaint received 2023-12-03
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)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within XXXX  days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CT)

I received a letter from Dynamic Recovery Solutions regarding a debt owed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. The letter stated that they have tried to contact me via letter before, which is untrue. I have never been to this place. I looked them up online and the business was a rental car agency. Several other people have left reviews about being scammed or having a false debt sent to collections by this company. I tried to reach the company using the number listed in the letter. There was no answer.
Consumer complaint received 2023-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I have NEVER signed any wet ink contract with this alleged 3rd party. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Has 4 Alleged Assignments of Notes filed in County Records. The first assignment of note XX/XX/XXXX was filed by XXXX  XXXX XXXX employees as XXXX  for XXXX XXXX for {$1.00} XXXX  dollar in a secondary mortgage market by XXXX  mortgage " brokers '' in Virginia, and not recorded until 8 months later in XXXX with an additional unrecorded note stuck in my file with the wrong index # at county records. Plus, 3 additional later assignments of note by XXXX XXXX XXXX employees that I was never notified of by the original XXXX XXXX from XXXX that has not satisfied.
Consumer complaint received 2024-06-01
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. (CA)

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 Acct # XXXX
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NJ)

Credit Collectors " Hunter Warfield '' ( XXXX XXXX XXXX XXXX XXXX FL XXXX ) ( XXXX ) originally charged us {$2400.00} on XX/XX/XXXX and now on XX/XX/XXXX the account has been raised to {$3700.00} ( Account # XXXX ) I have not received any communication from Hunter Warfield regarding these increases.

Original Company that issued this report was " XXXX XXXX '' which is a Rental Company. 
We moved out of the apartments because XXXX XXXX refused to check for Mold when one of their disgruntle mechanics " intentionally '' created flooding in our apartment. ( this statement has been verified by XXXX XXXX ) Water was all over the apartment about 2 '' Deep. we asked XXXX XXXX to check for Mold in walls and they told us they did. We asked for report from Company that this was done and XXXX XXXX  never sent that over. ( because they never had any licensed company come over to test for mold ). 
At that point we moved out and XXXX XXXX sent us a invoice and we refused to pay because they could not produce paperwork that said the apartment was free from Mold.

# 1 I need to know why they are charging me.

# 2 I need to know why they are increasing the original Amount every month? Hunter Warfield never sent me any paperwork indicating that there is an interest charge or a reason for upcharges.
Consumer complaint received 2023-03-11
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. (FL)

I have submitted documentation to XXXX several times regarding the fraud account with XXXX and they keep putting it on my credit report. They said that they can continue to report the false information due to XXXX continuing to report it to them although I have already proven with Transunion the the account is due to fraud. 

XXXX collection account # XXXX I am a victim of fraud. I never attempted to live in Arizona, attached are my lease agreements to prove that I have always had an active lease in good standing in Florida, the same criminal also opened a XXXX XXXX  account in Arizona. Transunion continues to report information that is hindering my ability to find a home for my family although they are aware that this is a fraudulent account.
Consumer complaint received 2023-03-11
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. (FL)

I have submitted documentation to XXXX several times regarding the fraud account with XXXX and they keep putting it on my credit report. They said that they can continue to report the false information due to XXXX continuing to report it to them although I have already proven with Transunion the the account is due to fraud. 

XXXX collection account # XXXX I am a victim of fraud. I never attempted to live in Arizona, attached are my lease agreements to prove that I have always had an active lease in good standing in Florida, the same criminal also opened a XXXX XXXX  account in XXXX. Transunion continues to report information that is hindering my ability to find a home for my family although they are aware that this is a fraudulent account.
Consumer complaint received 2023-12-03
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)

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : UPSTART NETW | XX/XX/XXXX : Account number : N/A, Untimely. Fix the account number and send a full report. 

XXXX | XX/XX/XXXX : Account number : N/A, Untimely. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX | XX/XX/XXXX : Account number : N/A, Untimely. Fix the account number and send a full report. 

XXXX  XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX  XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XX/XX/XXXX-XX/XX/XXXX. Tranunion is missing date last active and is unverifiable. Tranunion failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/2023 I have not received an update of a reinvestigation from the creditor.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I added a Membership Rewards bonus offer to my American platinum credit card and in XXXX XXXX the offer states spend XXXX, receive XXXX bonus points ( I have a screen shot of this offer ). I made a XXXX purchase on XX/XX/2022 and never received the bonus offer. I inquired about the bonus in XX/XX/2022 and was told I had to wait until the bonus offer expired ( XX/XX/2022 ), I reached out to Amex chat XX/XX/2022 and was told that there is a technical delay, no time frame, no ticket number, on when I would receive the bonus points. 

I have experienced this with AMEX membership points in XXXX regarding missing bonus points, have spent hours on the phone with representatives every few weeks to follow up and never given the earned bonus points. 

This is a scam the company is running, they are not following through with bonus point offers on their credit cards for customers.
Consumer complaint received 2023-03-11
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. (GA)

I have spent {$360.00} sending dispute letters ( 609 fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ). I am asking them to verify the collections on my account with an original signed signature from me to prove those collections are mine. They have failed to do so and i have 4 return receipts from each credit bureau with there stamp on it to prove they have received my letters in the mail. 

Dates they received my letters below : XXXX - XXXX, XXXX, XXXX, XXXX XXXX - XXXX, XXXX, XXXX, XXXX Transunion - XXXX, XXXX, XXXX
Consumer complaint received 2020-03-17
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: HCFS Healthcare Financial Services of TeamHealth (FL)

Account Resolution Services. {$1000.00}. Open date XX/XX/2018. My credit has been severely affected by this and I have No knowledge of this collection account or No Contract with this company.
Consumer complaint received 2023-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX