davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have requested Verification of several accounts or to be sent affidavit by the CEO, but the credit bureaus, seem not to have this requirement, and are allowing third parties to place detrimental information on my reports causing and inability to contract. Those people are thieves according to the Fair and Accurate Credit Transactions Act.
Consumer complaint received 2024-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (MN)

During last summer, I went into an agreement with XXXX XXXX XXXX and a financing plan to get a set of straightening aligners for my teeth. 

I had a set up aligners throughout the summer and fall, but the treatment did not work. XXXX XXXX XXXX had an agreement where I would be able to get free retainers afterwards if the initial ones were not successful. 

After ordering these new retainers to complete my treatment during XXXX XXXX XXXXXXXX, I started getting emails that XXXX XXXX XXXX had filed for bankruptcy. They assured me that my treatment would still be continued. They kept this assurance all through XXXX of XXXX. This is when they finally finished their legal attempt to file as bankrupt. Once this happened, all communication from XXXX XXXX XXXX ended. 

During XXXX of XXXX, it was announced that they were closing all services, including sending out new aligners ( which I had not yet received ) and shutting down their customer services. This was the last time I got an email from the company about anything. 

This email included the fact that XXXX XXXX XXXX would be seeking to sell of their debt to creditors, and that they would be selling all of their receivables. In XXXX of XXXX, XXXX XXXX XXXX sold the receivable that I owed them ( for services they HAD NOT FULFILLED ) to someone else. 

Also during XXXX of XXXX, I got into contact with customer support from XXXX XXXX XXXX asking for a full refund and to discontinue my payments, since they had not fulfilled the services that I was paying them for. I was met with a response saying that all of their refund requests were being reviewed and I would be contacted after review. This never happened. 

I thought that all payments would stop, and that I would just need to find a new company to get aligners through. 

Starting in XXXX of XXXX, I have been making monthly payments of {$75.00} to XXXX XXXX XXXX for financing for services. These charges were part of our agreement, so I had no issue paying for them. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I made payments to XXXX XXXX XXXX of {$75.00} to pay for my treatment. ( All dates are during XXXX ). 

Starting on XX/XX/XXXX, these payments switched to XXXX XXXX XXXX for the same amount. They continued 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. All for the amount of {$75.00}. ( These dates start in XXXX and go into XXXX ) XXXX  XXXX XXXX was charging me for services, went out of business, and then sold the amount that I owed them to a different company it would appear. I have no way to get into contact with XXXX XXXX XXXX about this issue. They have shut down their phone numbers and no emails to them get a response. 

I am paying for a service every single month that was never given to me, as my teeth have completely reverted back to how they were before I got any XXXX, since I was not able to continue my treatment.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company (SC)

They will call multiple times from at least maybe 3 different # 's and then they do skip tracing and call folks that they think may be related. They have called my ex sister in laws parents. Why?! 
That needs to be against the law. As well as an invasion of MY privacy. 

They will call from XXXX back to back and if I don't answer they they will call from an all XXXX 's # XXXX XXXX
Consumer complaint received 2024-05-29
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)

Please assist in deleting these items from my credit report within 4 days after you receive this notice. I am willing to accept the deletion of these unauthorized and erroneous items instead of pursuing legal action for the violations committed.
Consumer complaint received 2024-05-29
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had late payments. If this information can not be verified within 30 days then I demand these payments be immediately updated to paid on time. Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : 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 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, XX/XX/XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I did not authorize or recognize these inquiries on my credit report, i humble ask they be removed immediately under code 15 U.S 1681 ( n ) NAME OF INQUIRY : 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 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
Consumer complaint received 2024-05-29
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)

-- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 informationisinaccurate.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$740.00} US DEPT ED XXXX Balance {$4900.00} - US DEPT ED XXXX Balance XXXX XXXX US DEPT ED XXXX Balance {$4000.00} US DEPT ED XXXX Balance {$910.00}
Consumer complaint received 2019-04-29
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. (AZ)

The following accounts and credit inquiries listed on my Equifax and XXXX XXXX credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX. XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-05-30
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. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FCRA 605B, we must delete any incorrect accounts from my credit report. These accounts have reporting inaccuracies. I should receive {$1000.00} for each error in my credit file.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Company will claim to have no record but proof was sent in previous complaint to the co-conspirator companies XXXX XXXX AND XXXX XXXXXXXX XXXX They were ALL SENT registered TENDER via the United States Post Office with delivery conformed from the US Postmaster. The company when called denIed receipt of my Security Instrument and I have made 2 other follow up calls and 2 other follow-up emails which the company has denied being in receipt thereof. The instrument value is {$110000.00}. for settlement of purchase order for collateral automobile with vin # XXXX. IXXXX  have previously sent the US Postmaster confirmed delivery and have filed with the Inspector general about this mail fraud and the companies stating they did not receive the presentment tendered.USPS HAS CONFIRMED TRACKING and DELIVERY TO ALL ENTITIES, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

THIS COMPANY WHO I DISPUTED AN ACCOUNT WITH IN 2019 HAS SENT A DEBT TO A COLLECTION AGENCY AND PUT THIS DEBT ON MY XXXX AND XXXX REPORT. I HAD THIS ACCOUNT DISPUTED AND REMOVED FROM MY XXXX REPORT. IN 2019. THIS COMPANY HAS SENT A COPY OF A BOGUS CONTRACT WITH MY NAME ON IT AND STATING I LIVED THERE AND THE REASON I LEFT WAS I WAS BUYING A HOME AND IT SHOWS WHEN THE LEASE EXPIRES WHICH IS NOT TRUE. I HAVE TRIED TO REASON WITH THE COLLECTION COMPANY ON SHOWING ME A CONTRACT AND PROOF. THEY HAVE NOT PROVIDED VALID PROOF. THIS ACCOUNT NEEDS TO BE DELETED. I HAVE NEVER LIVED OR SIGNED ANY CONTRACTS WITH THIS COMPANY.
Consumer complaint received 2024-05-29
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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accoiunts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-05-09
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. (FL)

Incorrect reporting on my credit report Account name : XXXX XXXX When account was open : XX/XX/XXXX Account balance : {$7800.00} Account name : XXXX When account was open : XX/XX/XXXX Account balance : {$4000.00} Hard inquiries : Account name : XXXX XXXX XXXX date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account name : XXXX, XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Names Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Correct name should be reported : XXXX XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission and I also have Theft Affidavit. Please delete the items as soon as possible.
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: Complete Credit Solutions, Inc. (GA)

CCS COLLECTIONS {$430.00} and COMPLETE CREDIT SOLU {$560.00} Original creditor XXXX  It seems like they are selling this from one collection company to another. I never had an account with Complete credit solutions or XXXX.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I called Jefferson Capital, and tried to get the collections off my account but they canceled it and said it was my debt, but I had no idea what the debt was for and wasn't under my email or phone number. It was already taken off of XXXX  but still shows on XXXX and XXXX
Consumer complaint received 2024-09-10
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. (NY)

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. 

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
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-10
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)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports