davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in disagreement with this XXXX XXXX XXXX XXXX account after the investigation.In my dispute, I disputed the amount and payment history reported in my file, I contacted the company back in XX/XX/year> and again in XX/XX/year> and the response has been the same THEY DONT HAVE RECORDS OF THIS ACCOUNT and its still reporting on my credit. 
In accordance with the fair credit reporting Act only properly and validated information is supposed to be reported in your credit report.

This account needs to be removed from my credit report immediately.Please delete the account since they don't have any such record and send me an updated credit report.
Consumer complaint received 2024-06-06
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)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (SC)

I have contacted company to have removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off my credit report because the fair credit reporting act states they must supply me with an agreement between i and creditor and they have failed to do so and i do not owe the bill.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-06
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. (NJ)

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 ( XXXX ), 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. 

Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-06
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. (PA)

I tried to fix my credit report since last month but still no recieving any response from you. please please delete all the negative items immediately Here 's the list Account Name : XXXX Balance : {$960.00} Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance {$900.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance {$1100.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$620.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$850.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$640.00} Account Number xXXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  Balance : {$680.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX  Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$490.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$720.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX Balance : {$650.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$600.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX  Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX  Inquiry : XXXX. XXXX, XXXX XXXX name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-06-06
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. (GA)

Recently I looked at 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. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please verify this information and remove it from my report if inaccurate.
Consumer complaint received 2023-04-08
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. (TX)

I am filing a complaint against Equifax for not removing multiple items on my credit report that I have disputed as " Not Mine. '' Equifax has failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) 611, 15 U.S.C. 1681i, and the Fair and Accurate Credit Transactions Act ( FACTA ) amendments to the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ), to ensure the accuracy and completeness of the information on my credit report. Despite providing them with the legally required notice, Equifax has not taken the necessary actions to resolve this issue. I request that the CFPB intervene to ensure Equifax conducts a thorough investigation and removes the disputed items from my credit report in compliance with the applicable laws.
Consumer complaint received 2024-06-06
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. (KY)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears on my credit report. I believe this account to be fraudulent and would like to request its immediate removal. 
As you may be aware, XXXX XXXX XXXX has been adding interest every month to this charge off account, which is a clear violation of federal law. In particular, this practice violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( C ), which requires that any information that is not accurate, complete, or verifiable must be removed from a consumer 's credit report. 
Additionally, XXXX XXXX XXXX 's actions may constitute identity theft, which is a violation of the Fair and Accurate Credit Transactions Act ( FACTA ) Section 114, which requires credit reporting agencies to block fraudulent information from appearing on a consumer 's credit report. 
I have filed an identity theft report with the appropriate authorities and am in the process of taking legal action against XXXX XXXX XXXX for their fraudulent practices. Under the FCRA Section 611, I have the right to dispute inaccurate or fraudulent information on my credit report. I am therefore requesting that you remove this account from my report and take the necessary steps to ensure that it does not appear again in the future. 
I understand that the removal of this account may take some time, but I urge you to take immediate action to investigate this matter and remove the fraudulent account from my credit report as soon as possible. Failure to do so will result in legal action against TransUnion as well. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2024-06-05
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. (NC)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
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. (CA)

I am writing to formally dispute an account listed on my credit report by XXXX XXXX XXXX  XXXX XXXX. The account details are as follows : XXXX XXXX XXXX XXXX  XXXX I have never engaged in any business with XXXX XXXX XXXX XXXX XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " XXXX  month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with XXXX XXXX XXXX XXXX  XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with XXXX XXXX XXXX XXXX XXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 information is inaccurate.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

Im writing this in regards to a 60day- late payment report made by American Express . I have an  American Express Platinum card and I had made a reservation using XXXX on XX/XX/18 for {$920.00}. I had canceled this reservation within the time allotted stated on XXXX website. However, XXXX refused to refund me my full purchase amount and wouldnt provide me with any credits close to the amount I paid. I called American Express hoping and submitted a dispute a few days later in XXXX of 2018. 

American Express kept closing the dispute and said there was nothing they could do after the inquiry they made with XXXX. Over the last 9months I requested over 8 times for them to reopen the dispute and when I called them in XXXX the would not dispute the amount and stated it was my responsibility to pay for a service that I never received even though I should have been refunded the full amount. I explained that because of this high transaction amount I would need more time. They were not reasonable and demanded payment immediately for a service I did not receive. I called them a few days ago after they harassed me by phone to pay this balance, and I paid it in full and stated I will still dispute the transaction at a later time. I always make on time payments with any creditor and I do not have any derogatory remarks on my credit. Can you please help me remove the 60-day late payment as American Express is treating me unfairly? Thank you for your time!
Consumer complaint received 2019-04-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DC)

i filed individual chapter XXXX bankruptcy with help of attorney on XX/XX/XXXX, after mortgage servicer charged off alleged construction line of credit in XXXX ( and attemp to forclose my property twice in XXXX ) i filed individual chapter XXXX bankruptcy to find out who should i pay. 
while i was paying monthy payment during chapter XXXX bankruptcy per chapter XXXX trustee order, bankruptcy converted to chapter XXXX without any reorgonization meeting. ( and right away {$91000.00} transfered to trustee account from XXXX checking account withou my consent or knowledge ) while i was disputing and motion of appeal pending and mortgage servicer withdrawal its claim i evicted by XXXX point at me on XX/XX/XXXX by us marschal per BK judge void order exampt, husband and wife tenancy done on XXXX and avoided in bankruptcy court without due process of law and without my husband be party in bankruptcy case and he got partial judgment on XX/XX/XXXX ( void judgment order lack proof of claim and,,,, ) per 3 credit reports bankruptcy dismissed on XX/XX/XXXX with {$0.00} claim, {$0.00} liability
Consumer complaint received 2024-06-06
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-06
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. (NJ)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>