davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC (FL)

I XXXX XXXX XXXX have any business or authorized XXXX XXXX to send my personal information to Reliant Capital Solutions XXXX I would like Reliant Capital Solutions to cease and desist all contact methods. I received a call from this debt collector claiming that XXXX XXXX  sent my information to them on XXXX but I dont go to that school since 2019 and all my dues were paid. Additionally, I would like to receive a debt validation letter. I have proof of payment made to the school and the rest of this loan was discharged which I also have proof. Lastly, I have submitted proof that this account should not even be in collections and Ill file a claim with XXXX XXXX  as well because I dont own any money to them or Reliant Capital Solutions XXXX Its been XXXX  years since I graduated from XXXX XXXX  and this is the first time I ever heard of this company Kindly XXXX XXXX
Consumer complaint received 2023-09-18
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. (AL)

Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction. 

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within 5 business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed. 

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.
Consumer complaint received 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

INACCURATE REPORTING AND PLEASE SEND ME INFORMATION REQUSTED BELOW. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/XXXX, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act

, 15 U.S.C. 1681 my credit report must be Accurate and Fair. 1681 U S C i ( 7 ) Method of verification-DES
CRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Consumer complaint received 2023-08-27
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. (NY)

As mentioned I will be on standby for a XXXX XXXX, a copy of certified license to collect debt, accounts level documentation. If you can provide any of this information I am demanding those account be deleted and removed out of your system. 


Put this alleged account ending in # XXXX into do not pay or do not collect status and never to be turned off or anv disruption of service. The statements that you send every month and expect human being to pay are coupons. They represent what has been used and paid. You use the fact that people are not educated into understanding that the bill has already been taking care of by the XXXX XXXX XXXX. In XXXX, the United States filed its XXXX bankruptcy due to what it owed its creditors, the indigenous people of the land had to turn over all gold, silver and land to the company " United States of America.inc. Which is tide back to the XXXX XXXX, in exchange the company would take care of all bills. care for the complete wellbeing, provide a home and vehicle for transportation of the familv and etc. That the people were the consumers and beneficiaries over their XXXX XXXX XXXX and the company is solely responsible for all debt incurred and accumulated. The statements you send ARE coupons and will be indorsed approved signed with r. after the signature then returned. 
The National Debt that the United States of America.inc is the amount that the company owes the indigenous people in these lands. It is NOT the amount the people owe anyone. Our social security card is our credit cards with unlimited funds. All debt is deferred back to the company that ripped off the people in 1933. 
According to Federal Laws, you are committing Fraud, Extortion, Theft and crimes against humanity.
Consumer complaint received 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, so I have made my mortgage payment on XX/XX/XXXX I sent them a check through XXXX and I sent them proof that I sent the check. I sent them a copy of the check and the USPS dated stamp confirming that they have received the mail on XX/XX/XXXX. Somehow XXXX XXXX claims that they have received my check until XXXX, which either it got lost in the mail or someone misplaced my check in the company and forgot to deposit it.. because I mailed this out XX/XX/XXXX with proof, When I saw in XXXX that it did not post in my account I immediately made XXXX online payments for XXXX to be on the safe side... Seeing that they don't receive my checks.. 

I sent them in proof with everything and they have not done anything all they say is that I made payment on XXXX even though they have received my checks and confirmed they have received it and they have confirmed they have seen the dates and the USPS confirmation for XX/XX/XXXX but they still have failed to remove that from my credit report and update the credit bureau companies that I'm up to date with payments and I was never late.
Consumer complaint received 2024-05-23
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-24
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 dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXX XXXXXXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

Thank you for correcting some of the errors in my credit information. However, there remains an account that needs to be addressed and removed. This new complaint concerns incorrect information in my credit report. The account I am disputing is unrelated to any transactions for goods, services, or money that I have made or authorized. Please remove the erroneous items from my credit file due to these inaccuracies. The specific items are : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-04-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC (VA)

I have not received All of the answers to all of my questions! First I want to know why my Payment was not excepted in XXXX of 2022? I had until the XXXX of XXXX to make my Payment. I called XXXX & XXXX of XXXX, Why did XXXX XXXX XXXX not accept my payment, Not transfer me when I had told them I had a problem with the name on the account and the payments were not behind, they did not pass on my information, they would not do anything in XXXX? Why wouldnt they transfer me & why must I repeat this again? Did you read my letter! Didnt anyone understand what I wrote! I stand by my first letter and all my letters and now I am saying I will do a deposition, swear on a XXXX in a Court of Law, Take a Lie Detector Test and Testify! My son too! I remember it all now. XXXX XXXX XXXX XXXX XXXX want to take my home. Your company assumed I owed this money & I did not! You customer service Representatives did not pass on my inquiries and did not do their jobs. You show Bank XXXX XXXX XXXX & tell me about 3rd Party Lawyers, lie about what I said dates, money amounts, and payments I made! I asked you what I want and I was not late and when XXXX took my account you did not do the work! You blame it on me! Your wrong! I stand by it all and I was unconscious in my accident and XXXX awake now! XXXX serious. I want my answers and you are refusing me and my XXXX documents! Now you are talking about the condition of my house! I talk with your representatives many times about this, no one cared? I have not been downstairs in 2 years. Each copy was XXXX cents. Its on the XX/XX/XXXX statement if you add it and you ruined my life and Im going to tell you your omsbudsman hasnt called me in 8 days, why? Never called me back? I never got my point of contact or my modification answers. I have a lot more to say! 
Ill write back because its my right. You cant steal my house because you are wrong and you hurt met my son and I. You also said you dont work with 3rd party Lawyers, why? I be waiting to hear back from you ASAP! Have a Nice Day. XXXX XXXX
Consumer complaint received 2024-05-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2024-07-10
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. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-04-27
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-07-09
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. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-05-24
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-24
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)

FCRA 605B obliges you to eliminate any inaccurate accounts from my credit report. This is incorrectly listed in my credit file, so please delete it. I am due {$1000.00} for each inaccuracy on my credit file.
Consumer complaint received 2024-05-24
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)

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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$49000.00}
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been trying to get XXXX XXXX which is a fraudulent account off my report for the past few months. They removed it one time and then put it back. I received a letter from them asking for the identity theft report which I submitted with my driver 's license and utility bill which they insisted I do in order to have this information blocked. Once I did that they still refused to remove this information. I was able to get the other two credit bureaus to remove this information. I am so frustrated and aggravated with Experian.