davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

I have recently pulled my consumer report and I have found numerous inaccurate and unauthorized reporting from XXXX XXXX XXXX XXXX to credit bureaus which is a complete violation of the Fair Credit Reporting Act and the Privacy Act of 1974! The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. XXXX XXXX XXXX XXXX is continuing to report negative items on my consumer report. XXXX XXXX is committing securities fraud and theft. XXXX XXXX has threatened, harassed, and even attempted to extort me for this alleged I debt they claim I owe them. XXXX XXXX XXXX XXXX is reporting as a charge off on my consumer and they are still claiming I owe a debt. How is this accurate if a charge off is considered income? When it comes time for XXXX XXXX XXXX XXXX to do their quarterly taxes, they're going to report the charge off as income and receive a tax deduction. By law you can't attempt to collect on a debt that has already been paid! That is THEFT! Not only that, XXXX XXXX XXXX XXXX, has a continues to sell this alleged debt along with MY NONPUBLIC information to collection agencies WITHOUT MY WRITTEN, OR VERBAL CONSENT. I pulled XXXX XXXX XXXX XXXX, SEC filings, more specifically the XXXX and XXXX, with in SEC filed Prospectus, and Trust Indenture Forms. In the forms forms state XXXX XXXX XXXXXXXX XXXX is securitizing card loan agreements as asset backed securities and capitalizing off of it by trading and putting these loans in a pool and selling them on the secondary market. I also stated in my letter for XXXX XXXX to the immediately notify all credit bureaus that the account is PAID AS AGREED. In the letter, I also stated that I was aware of the fraud and theft that XXXX XXXX XXXX XXXX  is committing and that I am putting them on notice because I will be filing complaints with the SEC, XXXX, IRS, and further legal action. XXXX XXXX XXXX XXXX has refused to remove and is continuing to report negatively on my consumer report! I demand my account be updated PAID AS AGREED immediately Or at receipt of notice to we Opt out of all reporting on any account by the holder per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Consumer complaint received 2023-06-12
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: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX, I was reported a Hard Inquiry that states that it is from a credit card on XXXX that I am not familiar with. I wanted to report fraud and a removal of the Hard inquiry on my report.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XX/XX/16 - XXXXXXXX XXXX XXXX XXXX Hard inquiry that is still affecting my credit score XX/XX/16 - XXXX/XXXX Hard inquiry that is still affecting my credit score
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX was addded to my credit report and it wasnt be I never applied for XXXX. 

XX/XX/ That was fraud and I never authorized for my credit to be used
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NJ)

Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX XXXX 

Account Name : XXXX XXXX Credit card name : XXXX XXXX  and XXXX XXXX XXXX Credit card number : 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. (TX)

I have mailed multiple letters up to 120 days ago to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting the following information from them : A letter including the following : Validation of the account Inform the business where the account was opened that the debt is the result of identity theft. 
Stop collection activities against me. 
Stop reporting information about the debt to credit reporting agencies. 
If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" In light of recent investigations brought upon XXXX, I find that my consumer file is XXXX, XXXX irresponsibly tampered with. Over the past XXXX XXXX | have made several attempts to remind you of your duty pursuant 15 USC 1681 . It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. You can see XXXX vour system that this account was previously disputed without being thoroughly investigated Thisikayloader not be vaifelor validated. ''
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (TX)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX  : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXX  : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX
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. (FL)

I paid off my credit card to XXXX  balance and then the auto payment went through the next day. I asked them to return the funds for the 2nd payment and they returned both payments by mistake. I spoke to the bank and they were supposed to delete the 30 day late from my credit report becuae it was the banks error that caused the late payment. The account is showing the XXXX balance yet the 30 day late rating remains.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (FL)

After getting a full credit report for all three credit agencies XXXX, XXXX and Equifax, I noticed that some items were not on my credit report and also XXXX has not updated my credit report since XXXX when it comes to my credit cards missing information. My XXXX report shows that I am an authorized user of XXXX XXXX Reported : XXXX XXXX, 2023 for a credit line of {$1200.00} and 19 years and 3 months. But this account is missing on my XXXX and Equifax credit report.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (NJ)

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX , AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (AZ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have been contacted by Portfolio for the last 2+months regarding a credit card debt. I have told them twice, including today at XXXX XXXX that I am working with an attorney to file bankruptcy. They say they will make notes and the calls will stop but they don't. I received another call at XXXX XXXX. I have warned them the numbers they call from are being blocked and I don't wish to discuss it further. They call about 6 times a day.
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)

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report, I believe. Could you please verify the documents? Some of the accounts listed display inaccuracies regarding reporting, incorrect amounts, and reported dates.
Consumer complaint received 2023-10-01
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. (CT)

I am writing to file a complaint against TransUnion concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and to this date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections : The following account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (FL)

I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through Avante, 1 collection with XXXX, 5 collections through XX/XX/XXXX onXX/XX/XXXXXX/XX/XXXX. 1 collection through XXXX on XX/XX/XXXX and 1 collection with XXXX XXXX, 4 collections through XXXX on XX/XX/XXXX I am disputing all of these on legal grounds