davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

There are inquiries about an mortgage and car loans and a couple other unknown credit card companies that are not being inquired from myself and I have a concern about the research information that I obtained in regards to my credit report and I have to say that after I received the letter from the XXXX  XXXX  XXXX  XXXX and XXXX XXXX XXXX XXXX and them saying that my personal sensitive information has been compromised by the web payments regarding some credit cards and payments due by 2020 and I have never tried to get a mortgage or a loan for a house in all my life and I have been trying to understand why I have been asked questions about my credit report and been told that they could not identify me giving the information I provided, which is the correct information for my life and my own actions. But because I didn't answer the questions right that means that someone is using my identity and my credit report for their own benefits and I don't have a clue what to do about the situation and the legalities regarding the situation as being a person that has been a victim of identity theft and my son as well. My deceased father 's veterans affairs have been breached and I have been left behind in regards to the changes that I was supposed to look forward to after my father 's death, I was not mentioned as his youngest daughter and I have been trying to get the details from the SSA and the VA. I have a list of suspects that I can provide that could be involved in regards to my credit report and identity theft as well as my father 's information and my youngest son and his grandmother opening up a account for a check to be direct deposited into the savings account with my son 's name on it and it was titled as a XXXX check with research it is a back child support payment for the child my son. I believe it was stolen from my family and I want to get to the bottom of all the things that are going on, I know my son 's father is using people 's identity that have passed away and that have no idea that he is stealing their identities. My email is XXXX XXXX
Consumer complaint received 2024-06-11
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 have written several times to Transunion about removing an incorrect account on my profile and when I have asked for validation they dont provide documentation that they have done a sufficient investigation into the matter and have only sent me a credit report stating it is a valid debt with no documentation backing up their claims.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2024-06-11
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)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-11
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. (OK)

After conducting an investigation on my credit report, I discovered several unverifiable, invalidated, inaccurate, and questionable items. Despite bringing these issues to your attention, your agency failed to rectify them, causing significant XXXX XXXX XXXX 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported accurately and in accordance with the law. However, these accounts are in clear violation of Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ), as they continue to be reported incorrectly. 

I have attached copies of all correspondence sent regarding this matter for your reference. I urge your agency to take immediate action to ensure that my credit report reflects XXXX XXXX accurate information, as mandated by law.
Consumer complaint received 2024-06-11
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. (TX)

I recently conducted an investigation into my credit report, which, unfortunately, caused me significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items. It appears that your agency has failed to ensure the 100 % accuracy of the information reported.

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all information on my credit report be reported with complete accuracy. However, the accounts in question, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), seem to be in violation of this requirement.

I am attaching copies of all letters sent regarding these discrepancies for your review. It is imperative that these errors are promptly rectified to ensure compliance with FCRA standards and to alleviate the negative impact on my credit standing.

Thank you for your attention to this matter, and I trust that you will take the necessary steps to address these issues in a timely and accurate manner.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-06-11
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-11
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, XXXX - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, "
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-11
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. (LA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-11
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account- XXXX Account NumberXXXX Account -XXXX XXXX Account NumberXXXX Account - XXXX XXXX XXXXXXXX Account Number-XXXX XXXX XXXXXXXX Account Number-XXXX XXXXXXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX Account NumberXXXX Account XXXX XXXX XXXX Account NumberXXXX Account -XXXX XXXX XXXX Account NumberXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.A.Rogers, Inc. (VA)

I have discovered that R.A. Rogers , Inc. is reporting inaccurate information on my credit report without ever notifying me about the alleged debt, my rights to dispute or pay it, or the potential impact on my credit report. This failure to provide proper notification and accurate information violates my rights under both the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 1692e ( prohibiting deceptive practices ), 1692g ( mandating debt validation ), and the Fair Credit Reporting Act ( FCRA ) section 1681s-2, which requires creditors and debt collectors to furnish accurate information to credit reporting agencies.

Under the FDCPA ( 15 U.S.C. 1692g ), debt collectors must provide consumers with specific information about their debts and their rights. If the debt collection company claims they sent an initial letter, I request proof of this notification sent by certified mail, as required by law. This inaccurate reporting has significantly harmed my credit profile, impacting my financial standing. I expect this serious violation to be rectified immediately to ensure compliance with federal law.
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-11
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)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL (FL)

Hi, I signed up with XXXX XXXX XXXX, this debt was negotiated and settled, So I thought through XXXX XXXX XXXX Apparently there was a payment missed in a 5 day window before I paid the agreed SETTLEMENT. I had a hardship for those 5 days and needed the money until I could take money out of my XXXX. It was a {$80.00} payment. XXXX XXXX retracted the agreement and sold the debt to XXXX and they sold the debt to XXXX XXXX XXXX I took a picture of my XXXX XXXX XXXX  portal showing its paid 100 %, and now XXXX years later I am being sued. This is so wrong its scary.. I have to hire an attorney now? I have no money and feel helpless... Please help me Thank you
Consumer complaint received 2024-06-11
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. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I have a home equity line of credit that Rushmore loan Management Services took over last year. I had a payment due on XX/XX/XXXX of 2019 for {$140.00}. I made a payment on XX/XX/XXXX with check number XXXX on my checking account and the Credit Union says that that payment was taken out of my account on the XXXX of XXXX. Rushmore has called me on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX claiming that I did not make my payment for XX/XX/XXXX. On XX/XX/XXXX I spent hours on the phone calling and trying to reach someone at Rushmore. After calling them 29 different times I was finally transferred to a supervisor named XXXX XXXX. XXXX admitted that they showed I made a payment of {$140.00} on XX/XX/XXXX. He stated he would have to look into it and get back to me. XXXX gave me his name phone number and extension I've tried to call him back three different days never been able to reach him or a voicemail for him. I made the payment for XXXX my bank shows they took the money they admit they took the money and they continue to harass me every single day claiming that I owe them {$140.00} for my XX/XX/XXXX payment. This is not the first problem I have had with Rushmore they tried to do the same thing to me with my XXXX payment also they tried to charge me hundreds of dollars a month in XXXX and XXXX for hazard insurance after I proved to them months before that I had Hazard insurance on my property. Trying to reach anyone at Rushmore loan services that can help you is impossible. The only people you can get a hold of are in the XXXX.
Consumer complaint received 2024-06-11
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

Apple bank closed my account out of retaliation for me filing complaints on them. On XX/XX/2024 XXXX XXXX called me and told me that the back office instructed her to close my checking and savings account and issue me a cashier 's check. I stepped inside the XXXX branch to receive my cashier 's check and spoke with XXXX XXXX, I asked her why was my accounts being closed after my checks were verified and she told me they dont need a reason they just opt not to continue a relationship with me. I have audio recording of XXXX XXXX saying verbatim that Apple Bank opted to close my accounts. XXXX XXXX XXXX XXXX has provided me proof that the cashier 's check was verified and paid since XX/XX/2024 and Apple Bank still held my funds for XXXX weeks and restricted my account further denying me funds on XX/XX/2024 claiming my account was up for " further review ''. This is blantant negligence, discrimination, and retaliation against me for filing complaints against your bank for unnecessarily withholding my funds and restricting my account without just cause. Your prior response where you lied and claimed I demanded to close the account makes you look worse. I intend to seek legal action.
Consumer complaint received 2024-06-11
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. (NY)

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-11
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

inquiries not mine not authorized