davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (FL)

Delete : Potential Negative Entry from My Credit Report for Account XXXX in XXXX, XXXX. 

Delete : Hard Inquiries : Inquired on DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring payments are always made on time on this account has been a priority, preventing them from becoming overdue. I am unclear about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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. (TX)

I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. As we enter this attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of late open accounts not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information.

I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. XXXX XXXX XXXX Balance : {$550.00} ; XXXX  XXXX XXXX Balance : {$37.00} ; XXXX  XXXX XXXX Balance : {$700.00}.
Consumer complaint received 2024-05-16
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. (TX)

So I Sent a Letter Off On XX/XX/year>. To Remove Personal Information That I Don't Want On My Credit Report. According To The Fair Credit Reporting Act 15 USC 1681. I Have The Right To Privacy. Also According to 15 USC 6802. No Financial Institution Is Not Supposed To Share my information to third party people. These are clear violations of my Federally protected consumer rights.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Specialized Management Services, Inc. (TX)

I receive calls from numerous numbers daily. I tend to ignore because im either working or are aware of the calls. I have 3 accounts in collections with Specialized Management in XXXX Mississippi. All accounts are medical. XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$850.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$1100.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$740.00} On XX/XX/XXXX i recieved a call from a company called XXXX XXXX XXXX also known as SMG which would be Specialized management group company. I recieved the call from a out of state number than my area code reflects. I was informed that the job i had applied for months ago on XXXX was now available. I was proceeded to be asked how long had i been at my job because punctuality is very important. Then i was proceeded to verify my current job and where i worked. Once given the information, i was given a number to call back and ext in case i had any questions. Once i took the number i was told that the interview would be held in XXXX MS . Although before that she needed my email and my address. Once i realized that this was far fetch because if i applied you have my address. I disconnected the call. Once disconnected i then XXXX the info given to me and found spoofing apps and no known locations. I declared that this was a creditor. I then called SMG to ask my options becasue this was getting out of hand i was given my options. I was told the minimum that i could pay was {$50.00}. I explained i could not do that and asked could i do 5 or 10 i was informed i could bering it in or mail it in. I received a call hours later from my dad congratulating me on a promotion i had received since my manager called to get his recommendation. There was no promotion the same person that called me then called to verify where i said i worked and to ask my dad to verify my address so they could send me information and not knowing he gave them the information. He proceeded to call the number back once the called dropped and there was no trace. This information was received illegitimately.
Consumer complaint received 2024-05-16
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. (WA)

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. This is my new complaint that I am a victim of identity theft and I submit to dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged XXXX XXXX. I also attached here my new FTC report with reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-05-16
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

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 these charges. 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.
Consumer complaint received 2024-05-16
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)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the + consumer and the person making the report ; 998 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 purpose.
Consumer complaint received 2024-05-16
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

i d not appreciate my complaint being marked duplicate as it is not. my issues HAVE not been addressed. they have not called emailed or done anything to correct the fraud other then refund us XXXX which is not the XXXX that is owed to us. as well i have requested to be released as co signer from the loan and they refuse to do anything to make this happen i didnt even have a job. I HAVE ASKED FOR THE CFREDIT REPOIRT TO ACTUALLY REFLECT THE BALACNE OF XXXX THAT THE LOAN WAS FOR NOT THE XXXX IT STAES YOU CANT EVEN ACURATLY REPORT YOUR FRADULENT LOANS.??????? I WANT IMMEDIATLY RELEASED AS CO SIGNER OF THIS LOAN AS I DIDNT HAVE A JOB WHEN I SIGNED AND MY WIFE WHOS CAR IT WAS AND LOAN IT WAS AS THE ONLY ONE WITH INCOME SO READ THE COMPLAINT AGAIN YOU JUST MARKED AS DUPLICATE AND STOP LIEING MY COMPAINT IS NOT A DUPLICATE IM A DIFFERENT PERSON WITH DIFFECNT COMPLAINTS AND YOU HAVE NOT ADDRESSED A SINGLE ONE THIS IS NOT A DUPLIACTE COMPAINT AS THE BANK CONTINUES TO TRY TO MAKE ADJUSTMENTS TO OUR LOAN CONTRACT SND LIE SATYING THERES BEEN A RESOLUTION ANS THERES NOT A REOLUTION TO A TRUCK WITH NEARLY XXXX XXXX DOLOLARS IN REPAIR WORK COVERED BY A SERVICE CONTRACT EW PAID CREDIT ACCEPTENCE FOR.. WE DID NOT AGREE TO A REFUND OF THE WARRANTY WE BOUGHT WE ASKED FOR A REFUND FOR THE WARRANTY AND TRUCK AS WE HAVE BEEN DENIED THE USE CONTIONUALLY. THE BANK CREDITED MY WIFES ACCOUNT THAT I AM THE CO SIGNER OF AFTER 20 months OF HER TRUCK BEING IN THE SHOP. STATING WE ARE SORRY YOU WERE UNABLE TO USE YOUR SERVICE AGREEMENT. THATS A BIT TO LATE THE TRUCKS BEEN IN THE SHOP IN PIECES FOR 20 MONTHS YOU DID NOT CARE NOR MAKE ANY EFFORT TO CORRECT THE ISSEUE. ASND NOW WE CAN LEGALLY SUE YOU IN THE COURT OF LAW FOR BREACH OF CONRTACT. WE THIS TRUCK WAS NOT SFE THE DAY IT LEFT HE DEALERSHIPS LOT NO SAFETY LIGHTS PURTCHASED A TRUCK WITH A SERVICE CONTRACT FOR REPAIR WORK. NOT A TRUCK WITHOUT A CONTRACT AND NOW THEY REFUNDS MY SERVICE CONTRACT WHICH WE DID NOT ASK FOR WE ASKED FOR A REFUND WE HAVE PAID OVER XXXX FOR A CHECILE THAT HAS BEEN IN THE SHOP. REFUNDING A SERVICE CONTRACT THAT WE PAID FOR TO COVER REPAIR WORK IS NOT AN ACCEPTABLE RESOLUTOIN ND WE PLAN ON HOLDING YOU LIABLE FOR EVERYDAY WE HAVE NOT BEEN GIVEN A REFUND FOR THE DURATION FOR THE TIMEFRAME WE HAVE BEEN WAITING PATIENTLY. ONE LIE AFTER ANOTHER ONE EXCUSE AFTER ANOTHER FOR REFUSING TO REFUND THE ENTIRE LOAN THEN AFTER ALMOST 2 YEARS THE REALIZE HOW MANY LAWES HAVE BEEN BROKEN IN THE DENIAL OF US OF SERVICE CONTRACT SO THEY CPONTINUE TO LIE. THIS IS NOT A DUPLIACTE COMPTAINT
Consumer complaint received 2023-12-26
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. (MD)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and Experian. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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. (TN)

For Experian the following inquires I did not authorize, give consent, nor do they benefit me. Please have them block and removed. : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Someone used my information to get credit from a bank and supposedly made few payments and stop making payments and now is on a debt collection company. The account was open XX/XX/2020 with XXXX XXXX  and then sold it to PORTFOLIO RECOVERY ASSOCIATES , LLC. On XX/XX/2020. I called this company to disputed. I dont know whats next, I received an envelope with a form to fill and send back.
Consumer complaint received 2024-05-16
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. (TX)

I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-21
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 was disheartened to find unauthorized inquiries on my credit report tonight, and I have no idea how they got there. When I checked my report as usual, I was confronted with discrepancies that I hadnt seen before. I tried refreshing my browser, hoping it was just a technical error, but the inquiries remained. Because of this, Im requesting a thorough review of the documents Ive provided so I can stop worrying about this issue.
Consumer complaint received 2024-05-16
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)

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-05-16
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. (TX)

I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

Upon reviewing my account records, it has come to my attention that the opening dates listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$5200.00}.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666 b : A creditor my not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (MN)

I talked to a representative on XX/XX/XXXX about the account and they reversed a returned check fee for the XXXX time. They said everything was in order. I contacted XXXX XXXX via chat on XX/XX/XXXX to find they closed the account and claimed to return the payment made for the 3rd month in a row, but I show nothing on my debit card statement. They closed the Surge Card account and possibly the XXXX Card account showing I didn't pay either when I have statements showing I paid both. I'm out {$100.00} dollars just from this one. This is not the first time this company has done this. This is the 3rd month in a row they say I didn't pay, but their own statement shows I did.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with 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 in 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. 

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