davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
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. (NJ)

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I 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 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc. (PA)

I co-signed an auto loan for my nephew, we used carmax  auto finance and if it had nothing but trouble, from what I understand there was a return check which was redeposited and paid but for some reason we were marked 30 days late and is it adversely affecting my credit report almost XXXX points, I am the cosigner on this loan and was never informed that the payment was late nor do I get any other correspondence I do not believe that this should affect my credit report considering that there a lack of communication was it fault I had no idea that my nephew bounced a check, let alone that I don't get mail from CarMax if I get mail for a month later, I think this is atrocious and should be removed off my credit report and I'm getting no help from them whatsoever thank you
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-01-18
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. (MI)

Inaccurate late payments XXXX. XXXX other 120days these are closed accounts so they cant change them. The collection actually just have 120days not 30 or 60 days only 120days. XXXX XXXX has XXXX & XXXXXXXX XXXX XXXXXXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i XXXX XXXX XXXXXXXX XXXX XXXX HAS TWO NAMES ONLY POSE TO HAVE ONE THATS inaccurate. Payment history been re-aged PLEASE DELETE MY WISHES PAYMENT STATUS NOT CORRECT CAUSE PAYMENT HISTORY DONT HAVE LATE PAYMENTS
Consumer complaint received 2024-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (NJ)

I was paying my mortgage until XXXX of XXXX and then I was XXXX pregnant and got a call from servicemac my new lender ( loan transferred from guaranteed rate ) they said I owed XXXX in negative escrow. I asked why. The person on the phone did not know why. 
I tried to contact them several times but every one just kept telling me different things and I asked to speak to a supervisor and they said that the problem was that the township overcharged them XXXX in city taxes because the previous owner was tax exempt. 
Long story short come to find out it was the mortgage company who overpaid the township {$10000.00}. I had to get an attorney involved and the township did not send the money back until about XXXX of XXXX. XXXX of XXXX I come to find out that they did not pay my insurance last year. Now they are calling me saying thats the reason my account is negative. The insurance company billed them and they just didnt pay my insurance for a whole year. 
Note I havent paid my mortgage since XX/XX/XXXX because they are raising my payment from XXXX to XXXX and thats not affordable for me. Now we are in foreclosure and I have to pay an attorney because I have the money to reinstate my mortgage but at the XXXX rate not a XXXX rate that is their fault and now my credit is suffering and so is my XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gatestone & Co. International Inc. (IL)

XXXX XXXX  I received the email from Gates stone with proof of verification of debt from XXXX XXXX XXXX. I responded to the same email XX/XX/XXXX  asking for proof of validation of debt. XX/XX/. I then emailed again requesting proof of validation of debt with no response to neither email with the appropriate documentation. I didnt requested that this collection be ceased as they do not have the appropriate documentation to prove the validation of this debt claim to be mine.
Consumer complaint received 2023-05-11
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (SC)

I was contacted by a third-party company asking to settle the amount owed. I stated that the amount owed was not being reported correctly the representative stated that they will being to place a judgement on me as well as seize my bank accounts and other assets.
Consumer complaint received 2024-01-18
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. (MS)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-05-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

Amex prepaid card will not work at stores in person or online. Customer service provides no help to use the card. It is {$150.00} that I am unable to use anywhere no matter how I try to spend it.
Consumer complaint received 2024-01-18
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)

since 2020, I have fervently reached out to the consumer reporting agencies as well as the creditors listed on the attached documentation regarding how Ive been impacted by XXXX data breach. Ive informed the consumer reporting agencies of the identity theft as well as provided the consumer reporting agencies with sufficient proof in the form of affidavits, as well as locally filed police reports regarding the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX bank. Despite my continuous, dreadful, and unsuccessful attempts to rectify my credit file, the consumer reporting agencies have been negligent and non-compliant to the FCRA 605b and promptly blocking and removing these accounts from my consumer credit profile. I have informed the consumer reporting agencies that the accounts listed on my affidavit are not related to any transactions made by me, and that my request was not made in error. a result of XXXX data breach, XXXX have promptly blocked and removed the account from my credit file, however, XXXX and Transunion have refused to do so by stating that they do not block and remove accounts. I am requesting that the CFPB aid me in the removing of these fraudulent accounts from my profile, as I have endured tremendous adversity as a result of this breach. I am also using this final, good faith attempt with clean hands, to support me should I have to seek monetary damages if this final attempt is unsuccessful. attached are the following : XXXX qualification claim that proves I was a victim of XXXX data breach, FTC affidavit, local police report, drivers license, and Social Security card.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-01-18
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. (VA)

THIS IS NOT A DUPLICATE COMPLAINT! 
Transunion is lying and they are violating my rights. It is their duty to treat every dispute as an accurate one and proceed with the proper investigation. We ARE NOT in litigation! There is no litigation pending and any prior litigation has been settled ( see attachment named signed documents transunion ). They took on this duty and as taking on this duty it is their grave responsibility to ensure each report is reporting fairly and accurately. They neglected my complaint and said we are in litigation together which is false. This is unfair and deceptive practices that violate my rights as a consumer. PLEASE TREAT THIS DISPUTE ACCURATELY, or I will be force to make a complaint to the states attorney general. 

THIS IS NOT A DUPLICATE COMPLAINT! 

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. 


UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW. This is not a duplicate complaint. I am clearly stating this complaint is not duplicate. Please do NOT IGNORE ME.
Consumer complaint received 2024-01-18
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. (PA)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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  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 1681 ( 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 then records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-08-10
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)

I was contacted by XXXX  XXXX XXXX XXXX regarding a balance owed on XXXX {$2300.00} this was removed off my credit under XXXX  XXXX and they purchased the account I advised I have a police report and identity theft report and they advised they are adding this to my credit report today this is against the fair credit act and this is not accurate I was a victim of identity theft this account is from XXXX or XXXX previously was removed from my credit reports now sold to this collection agency this is also reported on an federal trade commission report attached
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (PA)

My card was stolen, I called and filed a dispute with Us Bank ReliaCard but the representative only put down some of the transactions. ReliaCard investigated the claim and ruled in my favor on XX/XX/2021 but only gave me a partial credit. Im owed over {$4000.00} & Us Bank keeps denying whats owed to me after their representative mistakenly didnt add all of the disputed transactions. Ive spent over {$86.00} faxing the documentation needed. Ive had two disputes since then all stemming from the first claim. Everyone in their department has handled it completely wrong. Yesterday I was told by a supervisor that he couldnt do anything so he doesnt know what I want him to do. I just want the remaining portion of my funds issued. Its almost been XXXX XXXX now.
Consumer complaint received 2024-01-18
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 have a XXXX  account and other information that does not belong to me. I have housing information that I have never owned. 

XXXX XXXX XXXX - XXXX XXXXXXXX XXXX  - 2023
Consumer complaint received 2023-05-19
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. (CA)

Upon reviewing my credit report, I observed inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.
Consumer complaint received 2017-12-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apple Law Group, Inc. (NY)

XXXX XXXX, CEO of Apple Law Group, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Tel XXXX together with his employees has advised me several years back that upon payment to his company as a debt consolidation, my creditors will be paid back and settled. The program included direct withdrawals from my bank every month and on XX/XX/XXXX the program was paid in full to his company. To-date, my creditors were not paid by Apple Law Group Inc. I called XXXX 's office numerous times. His representatives have disconnected their phone numbers provided earlier at sign up. I was once told by phone that after XX/XX/XXXX it takes six months to settle and pay the creditors. It is XX/XX/XXXX and nobody at Apple Law Group Inc has paid my creditors or responded to me in writing or by email or verbally of the contractual obligation agreed and notarized in New York. This is a theft of money and non-performance of his company 's operation as agreed in writing. I demand an immediate settlement to my creditors by Apple Law Group Inc plus refund of all interest money collected by Apple Law Group Inc. The operation of Apple Law Group Inc is a scam and totally unreliable.
Consumer complaint received 2024-01-18
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)

Dear TransUnion, I looked at my credit report back on XX/XX/XXXX and noticed some things that are incomplete and not accurate. I sent a letter to you on XX/XX/XXXXand asked you to investigate the completeness and accuracy of this, I haven't received a response back. This is breaking Federal Law.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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 information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I need these accounts Deleted immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).