davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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. (AR)

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to address and remove fraudulent items from my account with Credit Bureaus. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent items have not been adequately addressed, and they continue to persist. 

I have made multiple attempts to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent items remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent items from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
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. (MD)

I have made several attempts to rectify the issue of not having my current mortgage payments to be updated and to reflect current for the months of XXXX and XXXX.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I still can not access my credit report through the transunion website. They stated I submitted a dispute but that was through XXXX XXXX not Transunion themselves. I have been trying to get access for a very long time.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2021, with a balance of {$4100.00} I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Consumer complaint received 2023-06-13
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-30
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. (VA)

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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. According to U.S.C 6802 under subsection ( b ) Opt OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, Such option was never discussed with consumer but, consumer 's private information has been shared with several third party companies.

Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter. This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant. 



Accounts include : XXXX 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 2024-01-10
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. (WI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2024-04-30
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. (NV)

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the company associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
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)

I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX  Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX  XXXX  Account # XXXX XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXXXXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-06-13
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: Experian Information Solutions Inc. (TN)

This is XXXX XXXX, and I am wanting to dispute my account with these letters. I have been sending letters and haven't received a response. Every violation is marked by Metro 2 Guidelines. You are supposed to report Accurate information by Law and Each Letter has each account with its inaccuracies marked by you. send results by mail
Consumer complaint received 2024-04-30
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. (NV)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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: Paramount Recovery Systems, L.P. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : Paramount Recovery SYS  Account number:XXXX Account name : Paramount Recovery SYS Account number : XXXX 15 U.S.C 1681 Section 602 A4. 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 7 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. 

15 U.S.C 1681 b- permissible purpose. 

15 U.S.C 1681 E- compliance procedure.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Back in XXXX  of 2020 my family was affected by the pandemic XXXX. We lost family members and we are about to loose our only home. My income came back and now im ready to resume payments. Please help me keep my home.
Consumer complaint received 2024-01-10
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)

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a Credit card from XXXX XXXX on my Credit File that I did not apply for, approve, nor did I authorize this card to be applied for in my name. Please delete this card off of my Credit File. I have two police reports filed and sent to each Credit Bureau showing my Identity theft.
Consumer complaint received 2024-01-10
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)

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a XXXX XXXX Hard Inquiry on my Credit File that I did not apply for, approve, nor did I authorize this inquiry to be applied for in my name. Please delete thisi nquiry off of my Credit File. I have two police reports filed and sent to each Credit Bureau showing my Identity theft.
Consumer complaint received 2024-04-30
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I closed my checkings and savings account with bank of america in XXXX  because in XX/XX/2021 this company let money got out to people that was not normal for me after years of being with them, I had never made any of this types of transactions. They even sent them XXXX. I made call after call. they had me hold for hours this went on for months. I was finally told that the money would be returned this was a lie. So when I went to one of the branchs to pay bills there was no money. There is footage of a couple of associates holding on the phone for over an hour with me, they just let us hold. This Bank has been reporting negative on my credit for a prepaid card that I would never open. One of Bank of America customer service said that people like me ( XXXX ) at this point I hung up this is when I closed my account.
Consumer complaint received 2024-01-10
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)

Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The XXXX and TransUnion Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. 
XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

hello so i recently checked my credit report and noticed some hard inquiries that were not authorized by me and is totally incorrect. here is a list of the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have already made an FTC Report and this is the Report XXXX XXXX
Consumer complaint received 2024-01-10
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. (MA)

XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated Thank you,
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm deeply troubled by the addition of this late payment to my account, as my payment history has consistently shown punctuality. This situation is causing me considerable distress, and I implore you to correct this mistake promptly by removing it from my account.