davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (OH)

To Whom It Make Concern, 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 changes. 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 enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-03
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. (FL)

This complaint is my follow-up to ensure that the erroneous items in my file are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disputed the listed items in my previous complaint so I am complaining again for their erroneous information
Consumer complaint received 2023-11-01
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: JPMORGAN CHASE & CO. (TX)

I am writing to dispute the following information that appears on my credit report on XX/XX/. 

Inquiry from XXXX on XX/XX/XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from JPMCP CARD SERVICES on XX/XX/XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2023-05-22
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. (KS)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
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)

To whom this will concern my name is XXXX XXXX and the accounts I've mentioned in this report should not be reflected on my consumed report as they violate my rights as a federally protected consumer according to 15 US code section 1681e, 1681i, and 1681S-2. I have identified inaccuracies that need immediate correction period per FCRA guidelines I request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and credit history.
Consumer complaint received 2018-08-15
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. This company fails to remove fraudulent account from my report even after notified that the account is fraudulent. I have never opened this account. Someone else used my identity documents to open this account. I sent this company my dispute letter on XXXX.18 and attached with it Fair trade commission report and police report in regard to identity theft but to my surprise they refused to delete this fraudulent account In accordance with the Fair Credit Reporting Ac : 1.XXXX. AC # XXXX This Account is not mine and is Linked to fraudulent I have enclosed 1.a copy of the dispute I sent to them on XXXX15 2.a Police ID theft report and 3.an FTC ID theft report.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WILSON & ASSOCIATES, PLLC (TN)

I received a letter from the foreclosure Attorney Wilson & Associates for a property foreclosure sale on my home XX/XX/2018.

The letter is dated XX/XX/2018 and I received the letter XX/XX/2018.

In my research I found information that pertains to the Tennessee law that states the homeowner is to be given 30 day notice prior to the property foreclosure sale. I've submitted a modification request to XXXX XXXX with financials.
Consumer complaint received 2024-04-09
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. (SC)

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. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/2024 - XXXX || DATE OF INQUIRY : XX/XX/2024 - XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2024
Consumer complaint received 2023-04-21
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. (NM)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I applied for a Citibank AA credit card in XX/XX/XXXX. I never received a card in the mail or credit card statement in the last year. Turns out they did not have my mailing address. I get a phone call from credit card company claiming I owe a {$99.00} membership fee on XX/XX/XXXX. I have called to clear this up on over 10 occasions. They have claimed to close my account, and said I do not owe anything. But I am getting phone calls and emails from their collection agency. I refuse to give them my mailing address. The credit card company admits I never received the card.
Consumer complaint received 2024-04-09
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. (NJ)

Formal Dispute Regarding Late Payment Verification [ XX/XX/XXXX ] XXXX Transunion LLC Dear Sir/Madam XXXX XXXX XXXX I am writing to formally dispute the accuracy of the late payment entry on my credit report, which has been verified by your bureau. The late payment in question appears on [ XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ] and is associated with the account [ XXXX XXXX XXXX Account # XXXX ]. Despite my previous attempts to dispute this entry, it has been reaffirmed by your investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request detailed information regarding the method used to validate and verify the accuracy of this late payment. Specifically, I would like to receive : 1. Documentation illustrating the process followed to validate the accuracy of the reported late payment.

2. Any correspondence exchanged with the creditor regarding the validation of this late payment.

3. Any evidence provided by the creditor to substantiate the claim of the late payment. 
4. Details of the individual ( s ) responsible for conducting the investigation and verifying the accuracy of the late payment.

I emphasize the importance of transparency and adherence to regulatory standards in resolving this matter. As a consumer, it is my right to receive comprehensive information regarding the validation process conducted by your bureau.

I urge you to conduct a thorough review of this dispute and provide the requested information within the time frame stipulated by the FCRA. FAILURE to provide sufficient evidence to validate the accuracy of the late payment may result in the REMOVAL of this entry from my credit report. 

Please consider this letter as a formal request for investigation and provide a written response within 30 days, as required by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. I look forward to receiving the requested documentation and a favorable resolution to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have a missing account on my Transunion consumer report. I wrote transunion already to inform them of the missing accounts that the other agencies have reported. 
ACCOUNT # XXXX XXXX XXXX account # XXXX opened XXXX amount {$1000.00} status closed.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am promised accuracy on my report based on federal law. I am writing this letter as another attempt to have these errors corrected in my consumer report under 15 USC 1681 all unverified information must be promptly removed. Due to your current coding system error, you can not verify this information and validate it as accurate, so I request that you remove it I was never late on the accounts listed below, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my accounts. If you can not supply this, please delete the alleged late payments from my credit report. These are invalid late payments. The FCRA allows 30 days for this to be rectified. 

XXXX XXXX, XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CHECKredi of Kentucky, LLC (VT)

Every XXXX days I receive a text message that says ; we are attempting to reach ( my name ) regarding your gas payment account 's. We can help you get reactivated. Simply respond to this text message to chat with one of our agents or call XXXX. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Thanks, XXXX XXXX Checkredi Also it was from XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

My name is XXXX XXXX XXXX it is in the probate court system in XXXX mi I'm waiting on Judge to sign the paperwork for SSI. MY WIFE AT the time XXXX XXXX now XXXX was the person whom paid PHH those payments she is sender, we have all receipts that has been sent to in first complaint. My wife XXXX XXXX never received any notice of returning money and it was paid through XXXX XXXX, XXXX XXXX, pay bill to checking. No money has been returned to her. She is very upset and can't understand why PHH are able to continue to service mortgage. They are scandals! I will have proof I am the SSI IN my mother 's estate, paperwork filed as said before waiting on Judge to sign.
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$730.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Account type Debt Buyer These XXXX accounts were opened with capital one in XXXX, its well over the 7 years that it can stay on my report by law, yet this company has bought the debt and is continuing to report it as a collection. 

Please remove this from my credit report. It is continuing to hurt my credit. The 7 years has not passed. Please remove this from report immediately.
Consumer complaint received 2024-04-09
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. (OH)

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 3rd party. They in fact did not come from a 3rd 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 2024-04-09
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. (NC)

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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XXXX XXXXXXXX XXXX I opened a account trying to finish my education with XXXX XXXX but couldn't because I was being XXXX XXXX XXXX XXXXXXXX XXXX  and had to move and file a police report lost everything including my XXXX XXXX  and losing my apartment 3 months later I couldn't pay to finish my education I had to put everything on hold and get me and my kids to a better place I called an told them this but no one wanted to listen I even send letters and proof of what was going on they still charged me and left me with a balance of {$350.00} and as up today the account still say opened and its suppose to say closed and removed I tried calling them and they told me to call a 3rd party who owns the account which doesn't make any sense
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Sincerely
Consumer complaint received 2024-04-09
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. (NY)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 

The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Employer - XXXX XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights. 
XXXX XXXX. XXXX Section XXXX A Section XXXX also stipulates that a consumer reporting agency can not provide an account without my explicit written consent. 
Furthermore, as per XXXX U.S.C. XXXX. ( a ) ( XXXX ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than XXXX years. 
Additionally, under XXXX XXXX. XXXX ( A ) ( XXXX ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

Received a call from XXXX which left a voicemail stating my accounts associated with my SSN # would be locked and to call XXXX. The debt they're saying I owe has been paid for 8 years they would not give me a mailing address for them and hung up on me, they said their company name is XXXX XXXX. It seems like I get a call about once a year for this debt that has been paid off for years