davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute this account on my credit report, which I believe are inaccurate and damaging to my creditworthiness. Despite my repeated attempts to address this issue with your bureau, they remain unresolved. It is evident that your failure to correct this error is a violation of the Fair Credit Reporting Act ( FCRA ), and I am prepared to take aggressive action to ensure that my rights under this law are upheld. 

XXXX XXXX XXXX. 

I demand that you conduct a thorough investigation into this disputed item as required by the FCRA. Failure to do so will leave me with no choice but to pursue legal action against your bureau for non-compliance with federal law. 

Furthermore, I expect the results of your investigation to be promptly communicated to me in writing. Any verified inaccuracies must be corrected, and my updated credit report should be provided to me at no charge.
Consumer complaint received 2024-05-06
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. (AZ)

Subject : Formal Dispute Regarding Inaccurate Credit Report Information To all, I am writing to formally dispute an inaccurate account listed on my credit report. The account number in question is XXXX. XXXX  XXXX. I have no knowledge of opening or using this account with XXXX XXXX. This fraudulent account. 

Despite my repeated disputes throughout the past years, I have not received any verifiable information from the data furnisher confirming the legitimacy of this account. This lack of transparency and verification is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( A ) ( 5 ). The FCRA mandates that credit reporting agencies investigate disputes within a reasonable timeframe and provide verification of disputed information. 

XXXX XXXX : PLEASE INFORM US ABOUT THIS ACCOUNT TO BE VALID ON YOUR END SINCE YOU ARE THE ONE REPORTING THIS TO THE CREDIT BUREAU. BECAUSE THE CREDIT BUREAU MAKES MONEY OUT OF THIS AND DO NOT TAKE INDIVIDUAL PERSONAL INFORMATION SERIOUS THEY ARE REPORTING THIS AS VERIFIED. 

I assert, under penalty of perjury, that this account does not belong to me. I request the immediate removal of this fraudulent account from my credit report. The police report was sent over to your office ; however, you have failed to acknowledge that. Furthermore, I demand that XXXX XXXX, as the data furnisher, and XXXX provide any and all documentation used to verify this account as mine. This includes, but is not limited to, signature, ID, proof of address, and employment record at the time. Without such verification, the account remains demonstrably inaccurate and must be removed immediately. 

Additionally, the credit report fails to display a last payment date for this account after the charge off which shows PAID/ WRITTEN OFF. This omission creates further confusion and hinders my ability to monitor my credit accurately. 

I am frustrated by the repeated dismissal of my disputes and the lack of communication regarding the verification process. Please be advised that I will not accept a generic response stating the account has been verified. I require concrete proof that this account belongs to me before it remains on my credit report. Upload all copies of your response documents here so the Consumer Financial Protection Bureau is aware of any communication going on with your organization regarding this complaint. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution and the removal of this inaccurate information from my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Physicians & Dentists Credit Bureau (WA)

I have been contacted for the last 3 months from XXXX XXXX and XXXX 's collection company concerning XXXX  debt. When I was first contacted, I disputed the debt and asked for proof, including any signed contracts agreeing to the service and what I would be paying. The company only sent me a journal of the bills owing, nothing else, and it looked like some of the procedures were entered twice. 

I contacted them immediately about the missing information and was told by XXXX that they don't have to send me anything else but the statement. I told her that the amount contained a lot of interest charges and that there needs to be proof, in addition to the services preformed, what interest is agreed to in case of non-payment or breach. 

After two conversations, it was clear that XXXX was not going to accommodate my request. I gave her my work address for any service for lawsuit and told her not to call my cell phone. 

Today, XX/XX/2021, I received a call on our main telephone line and the person asked to speak to someone in our " Human Resources Department ''. I asked why, and she said she was calling on a personal matter and wanted to know if XXXX XXXX worked there. There was no need to call my work or " Human Resources Department '' other than to try and embarrass or harass me. I gave XXXX my work address and she knew is was my work address. I asked her to send any and all correspondence there. 

During the call, she said that I didn't specifically tell her not to call me at work, however, she did not call and ask for me, she called and asked for my Human Resources Department, she was trying to contact my employer directly.
Consumer complaint received 2024-05-06
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)

Recently i looked 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 Account name : XXXX XXXX XXXX number account : XXXX
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (FL)

On XX/XX/24 I went to the XXXX XXXX web site to purchase a ticket. After entering all my info and getting ready to submit payment a offer appeared on screen saying that if I " APPLY '' for CITI credit card ( AAdvantage platiunum ), I would be able to save up to {$400.00} dollars on airline tickets. At this point I called CITI just to confirm all of the restrictions, etc. and was assured that upon my approval for card, I would be given a temporary number to use with XXXX XXXX for the purchase of my ticket. But I was told that I could make my application via phone but if I wanted to use it on my current airline ticket purchase I had to apply on line. Which I did. Having a credit score of close to XXXX I was not surprised when I received verification within minutes that I had been approved. THIS IS WHEN THE ABSOLUTE WORST EXPERIENCE WITH ANY FINANCIAL INSTITUTION OF MY LIFE BEGAN. I did not receive any temporary number as had been described so I called Citi Bank back. Hold time to speak with someone was excessive but I know we have all come to expect that. When I finally reached someone I was told to call XXXX XXXX back at special phone number they gave me since this program was being adminsitered with their particpation, I was told that since I had been approved, they would have the temporary number & info in order to pay for my ticket. I did call and of course they did not have and refered me back to Citi Bank. I called back and was transfered XXXX times after holding approximatey XXXX mintutes per transfer only to be told there is nothing that can be done. Unfortunately every time I spoke with someone it was with obviously a foreign based operator which was next to impossible to understand. ( please be assured I'm not complaining about the XXXX XXXX operator 's, I speak with them all the time in my business, it's just that citi bank 's was either a terrible phone connection or very poor XXXX XXXX reps. ) I finally reached someone, obviously based in states, explained how I am now going on XXXX hours with this nightmare and he assured me that he was going to hold the line until he reached out to the proper people who would assist. Well I never heard back from him and about XXXX minutes later another XXXX XXXX XXXX  rep picked up the phone and kept saying hello, hello, obviously could not hear me and call was discontinued. Citi bank has displayed to me the absolute worst customer aservice that I have ever encountered in my life. It baffles me how they in conjuction with XXXX XXXX have this major program offered on both of their web sites and yet can not facilitate it!! During the effort to get this resolve I was refered back to XXXX XXXX a XXXX time and while they couldn't help, the rep stated that they have had countless complaints about this program and the inability to communicate with Citi Bank reps. Horrible experience and still no closer to being resolved.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It governs how consumer reporting agencies collect, use, and disseminate consumer credit information. 11
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-06
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 recently reviewed again my XXXX, TransUnion and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus ( XXXX, XXXX, transunion ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file I submitted the consumer report for their records and they need to update the file showing that the information regarding a bankruptcy needs to be removed. Also I would like to know why they are stating that they are receiving information from a third party company ( XXXX XXXX XXXX XXXX XXXX ) They have not reached out to them and are required to verify all information. Now that they have had 30 days and have not done the proper investigation I want this information removed now. 

The reference number show on the credit reports show as Reference number XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

according to the fair credit reporting act 15 USC 1681 section 602 a states " there is a need to insure that consumer reporting agencies exercise their gave responsibility with fairness, impartiality, and a respect for the consumers rights to privacy. '' XXXX, XXXX, and transunion are consumer reporting agencies and XXXX XXXX the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 witch states " it is the policy of congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681e ( b ) 15 USC 1602 -1608
Consumer complaint received 2024-01-21
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)

Ive attempted before and willful non compliance of the fair credit act the FCRA states ( cite the law ). Since you are collecting this information directly from ( creditor ) and this is an experience between me and this person, clearly this a violation and should be removed immediately.603 ( 3 ) ( e ) the term on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with TransUnion for almost a year about this bankruptcy and have inaccurate credit reports impair the efficiency of my credit worthiness from XX/XX/2023 XX/XX/2023
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (GA)

State employees credit union failed to provide loan verification letter. Proof sent to XXXX to have account updated or removed. Account was closed and charged off. SECU is still reporting late payments to XXXX, XXXX, and XXXX.
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 — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX  XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

XXXX XXXX has been requested numerous times to provide documentation such as signed contract or agreement to which is claimed to be delinquent. 
I have disputes with credit agencies with everything removed but Equifax collection Equifax has responded as verified with documentation that I have no clue has anything to do with the delinquency claimed. 
I have no agreements with XXXX XXXX or XXXX Any previous agreements with XXXX in the past have always been paid in full in advance. 
Equifax response in file attached
Consumer complaint received 2024-05-06
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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
Consumer complaint received 2024-06-07
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: Experian Information Solutions Inc. (NJ)

I DO NOT RECONZIE THESE CREDIT INQUIRIES AND I ASKED FOR THIS TO BE REMOVED, AND THE BUREAUS DID NOT DO AS I ASKED. I WILL PROVIDE PROOF OF AN XXXX XXXX REPORT, WHICH I WILL ATTACH TO THIS AND I AM REQUESTING THAT ALL INQUIRIES BE REMOVED FROM CREDIT REPORT BECAUSE THEYRE NOT ACCURATE AND NOT MINE, SO PLEASE REMOVE.
Consumer complaint received 2024-05-06
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. (NM)

I have continuously contested the inaccuracies in the provided information with XXXX and TransUnion. Unfortunately, the matter remains unresolved up to the present time. 

Reporting in XXXX : XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 US Code 1692f ( XXXX ). Unfair Practices XXXX XXXX Account Number : XXXX This account is in violation of 15 USC 1692e ( 8 ) - False and inaccurate credit information reported. 
XXXX. The following personal information is incorrect Previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

Reporting in TransUnion : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX This account is in violation of 15 USC 1692e ( 8 ) - False and inaccurate credit information reported. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-05-06
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally contest the inclusion of a fraudulent accounts in my Transunion credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Transunion report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why Transunion continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 
I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my Transunion credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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. (IL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" I am writing to 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''