davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
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)

I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. 

XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION : XXXX XXXX XXXX XXXX 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 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-09
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NY)

OK I gave these people everything now I want the name of the person and how he got my information. 
They replied after their investigation I am not responsible for the debt. 

Mr. XXXX, I have received the documents that you sent regarding your identity theft claim. To complete your ID theft claim with XXXX XXXX, please submit the following : Identity Theft Affidavit - A legible copy of a valid U.S. government issued ID ( drivers license, military ID, state ID card, passport ) Proof of Residency - Please provide a utility bill ( phone, electric, water, etc. ) which shows your physical address for the month of XX/XX/2016. Bank statements, credit card statements, monthly car insurance statements, etc. are also acceptable. The documents must have a billing/statement/closing date within the requested timeframe. The documents MUST show a physical address. PO boxes, etc. will not be accepted. 

This information should be faxed, mailed or emailed to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Fax : ( XXXX ) XXXX XXXX Thank you for your prompt attention to this matter. I will research your request as soon as I receive the documentation. 
If you have any questions please feel free to contact me at ( XXXX ) XXXX or by replying to this email. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX PART 2************************************************************************************* Mr. XXXX , I have received the documentation that you sent in regarding your identity theft claim. Based on the information and documents you provided, I have determined that you are not responsible for the XXXX XXXX account in question. XXXX XXXX will get the account removed from collections and from your credit history if applicable. Please allow up to 8 weeks for the account to be removed from your credit history. You will receive a letter by mail in about one week which verifies that I have approved your claim. Please keep the letter for your records. 
Please be aware that the perpetrator of this crime has your personal information including your name, full Social Security Number, and date of birth.

To protect yourself from instances of identity theft, XXXX suggests that you contact the credit bureaus to freeze your credit file. Links to their websites have been included below. In most cases, the credit bureaus will waive their normal fees for freezing your credit when you submit paperwork, including a copy of your police report, with your request. 
XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions please feel free to call or email me. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-17
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. (TN)

My disputes are still not being processed correctly with the correct paperwork per the FCRA. And I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX Dept of Child Support XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MI)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-18
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. (VA)

I am contacting to request removal if unauthorized/fraudlent inquires from my transunion credit report. 
My personal information was shared with a scammer a while ago my personal information was compromised. I have no knowledge of these inquires and want to have these removed under consumer protection. Kindly work on my report and fix it by removing false information. 


I have attached injury and their dates below. Remove these XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX Again I request you to remove these unauthorized/fraudlent inquires. I expect transunion complete this as soon as possible.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (PA)

XX/XX/2023, Im on the phone with Barclays ( XXXX ) XXXX I was asked on a recorded line by 20 different representatives about the same address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 


Im a victim of identity theft and my landlord XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX her address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX her phone number ( XXXX ) XXXX.
Consumer complaint received 2018-08-04
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. (TX)

XXXX XXXX is stonewalling my attempts to clear my name from negative marks on my credit report. I have written to them on numerous occasions over the past 6 months expressing concern that they are reporting inaccurate information. They are reporting negative marks that do not belong to me. I asked them for proof that these negative marks belong to me and they ignore those requests. They conveniently send 'form ' letters with he last one claiming they don't understand the nature of my request which is utterly ridiculous. 

This is a willful attempt to circumvent their obligations under FCRA.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (GA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 consumer reporting agency can not furnish a account without my written instructions.
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. (TX)

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

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-01-02
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. (LA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal items from my credit reports.
Consumer complaint received 2023-04-14
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)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following remaining items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2018-08-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (IN)

XXXX claims that I owe money from a student loan I took out in XXXX with XXXX XXXX/My Rich Uncle/XXXX XXXX. They sent me a letter on XX/XX/XXXX stating that if I do not dispute this debt within 30 days they will take legal action. According to Indiana and New York State laws the statute of limitations on contracts for money or with a promissory note is 6 years. The last payment I allegedly made, according to their loan servicer, XXXX  XXXX XXXX, was on XX/XX/XXXX. I do not recall nor have been shown any evidence that I made contact with the company since that time ( they claim in their complaint that I have had contact with them ). I should add that I have never ( to my knowledge ) spoken to XXXX. They did not give me 30 business days to dispute the debt before filing suit. I made an attempt to dispute the debt via certified letter, to the address that was on the letter they sent to me, on XX/XX/XXXX that was not responded to ( they received the first notice on XX/XX/XXXX that the letter needed to be picked up and signed for and they received a second notice on XX/XX/XXXX ). I received notice of a summons and complaint in my mailbox on XX/XX/XXXX. I believe this lawsuit is time barred by law and that sending the initial letter stating they would take legal action as well as not allowing thirty days to dispute the debt is a violation of the Fair Debt Collection Practices Act. Additionally, the summons sent was improperly served upon me and has not been followed with a certified letter per Indiana Trial Procedure. The case is not in the Odessey Case Management System where all such court cases are available to the public on the internet. Younomics has a suspicious relationship with XXXX XXXX/XXXX/My Rich Uncle, which are now defunct organizations/financial institutions ( as of XXXX ). Their loan servicing company is a subsidy or partner with XXXX XXXX which was involved in a lawsuit with National Collegiate Student Loan Trust, who was forced to forgive or pay back millions of dollars to borrowers.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MN)

I have made multiple payments to my Apple Card, and they are withholding my funds. They will not release them to me although the Money has been taken from my account. They said they can not reverse the charge. I paid a bill on XXXX ( then made multiple payments as i had no available balance and was confused ) then was told that my funds will not be released to my card until XX/XX/19. I have asked to speak to management with no resolve.
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. (CA)

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXX XXXX
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: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had an issue with my account at my Credit Union. They erroneously froze my account so payments would not post out of it. This caused payments to Capital One to be reversed twice. I called my Credit Union and resolved this issue and issued them my payment before my due date well over the full balance.

My Credit Union is willing to print a letter on their letter head that states this is not due to any fault of mine but a clerical error on my account made by them. Capital One closed my card and refuses to open it back up despite still receiving payment on time and discussing this matter with them. I believe that this is unfair and proper payment was received. My card is now closed by the bank and this will reflect on my credit report. I would like my account re-opened.
Consumer complaint received 2018-08-04
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: WELLS FARGO & COMPANY (NJ)

Wells Fargo Amounts {$2000.00} & XXXX Date XX/XX/2008 These credit cards dont belong to me. I never used them. And had no knowledge they existed. I have disputed it and they refuse to remove it saying their info is correct. I cosigned on a home loan for my mother, she filed for bankruptcy, I disputed the home loan and they removed it, but they refuse to remove this. It is also been 10 years, should not it have been removed at 7 years. It keeping me from buying a home.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions i dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Contacted by XXXX XXXX, or XXXX XXXX and XXXX regarding an old credit card account. They left a message saying they would be filing legal action against me for an old charged off credit card debt with HSBC bank. Called them back and spoke to XXXX XXXX, who told me that I opened an account with XXXX XXXX XXXX Rewards Master card in XXXX, charged off in XXXX, and the last activity was in XXXX. The told me I owed XXXX on the credit card, and the total was over 2K with penalties, fees, and interest. He told me it was being reported to the credit bureau and would ruin my credit score. I have never had a card with this lender or bank. He provided some detailed information about my current credit history including current and past address. I was divorced in XXXX, so I thought maybe my ex wife took a card out in my name, which she has denied. They have called multiple times from an unknown number with a call back number of XXXX. To date, I have nothing showing on my credit report, or anything in writing. He attempted to have me pay off the XXXX in full and had the bank 's authorization to do so, he says.
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. (LA)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.