davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion continues to report debt that is not mine. My name is XXXX XXXX XXXX XXXX. There is XXXX charges on my credit report from XXXX bank. The documentation they have sent me is titled to a XXXX XXXX XXXX, Not XXXX XXXX XXXX XXXX. The contract they keep sending me does not belong to me and needs to be removed from my credit report. I have asked several times for proof via a social security number or date of birth but the contract they keep sending me only has a name of XXXX XXXX XXXX which is not me. I have attached my drivers license, my current transunion credit report and the documents XXXX bank has sent me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, Trans Union, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Consumer complaint received 2024-04-08
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. (TX)

I disputed unauthorized hard inquires and collections credit bureaus and agencies failed to honor my rights as a consumer. 

Here are tracking number below : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion
Consumer complaint received 2024-04-08
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. (NE)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (AL)

I have no recollection of this debt... I have disputed this debt before, because of identity theft back in XXXX. Now they are trying to garnish my checks at a job I have not worked in the last year due to injury. They have not been in contact with me
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (KY)

My student loans were transferred to Mohela several months ago. On XX/XX/XXXX, I submitted a consolidation application and an income driven repayment application ; both of which are still " in review '' per studentaid.gov. 

For years, I have qualified for income driven repayment and my income has not changed so I do not anticipate it will change this time. However, Mohela has me schedule to start paying over {$700.00} a month beginning XX/XX/XXXX. This is half of my monthly income, if not more. 

I can not reach a representative at Mohela due to extended wait times that I can not accommodate. I have submitted complaints with Mohela and XXXX, but the due date is fast approaching and I can not afford the payment they are seeking. 

Sending a bill for a loan that has an incomplete application is unacceptable and feels fraudulent.
Consumer complaint received 2023-05-07
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. (OH)

I paid this account off in full i have provided the picture of the information but they are still reporting this on my credit report and are in violation of the fair credit reporting act reporting this account on my credit file
Consumer complaint received 2024-04-08
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. (OH)

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

Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # 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 1681 c. ( 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 recordsof 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 According to XXXX : Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates laws : 15 USC 1681i.15USC 1681S2 . 15 USC1681i5. 1681 USC1681EB : DELETE ACCOUNT
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, 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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-08
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. (AL)

XXXX XXXX Opened XX/XX/year> XXXX XXXX I do not recognize this lender or credit company that has a collections on my account. Also, they keep increasing the amount of money monthly that they claim I am responsible for.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-04-08
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. (GA)

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.
Consumer complaint received 2024-04-08
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. (PA)

The department of education/XXXX improperly reported my personal information I never gave consent or sign no agree to release any of my personal info. 
Loan of {$4900.00} and {$1900.00} This is also inaccurate info I dont owe them two loan What is 15 USC Code 1681e B? 
( b ) Accuracy of report Whenever a consumer reporting agency pre- pares a consumer report it shall follow reason- able procedures to assure maximum possible ac- curacy of the information concerning the indi- vidual about whom the report relates.
Consumer complaint received 2024-04-08
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. (CO)

Below accounts are closed, discharged/charged-off. These are considered " Certificate of Indebtness '' per IRS Publication 4681 ( 2022 ) and these fall under the description of income. Income is not reportable & no 1099-C was filed or provided. These accounts are Illegally reported, in Violation of IRS Publication 4681 ( 2022 ), 15 USC 1681 & Privacy Act of 1974. They must be removed immediately. 

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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

my identity was compromised and i file a complaint with IDENITYTHEFT.GOV I HAVE MANY INQUIRIES THAT I DID NOT AUTHORIZE AND THE CREDIT BUREAUS HAVE FAILED TO REMOVE THEM ALSO XXXX XXXX SENT A LETTER THAT MY INFORMATION COULD HAVE BEEN OBTAINED THRU THEM TO SUPPORT MY CLAIM WHICH I WILL UPLOAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (PA)

I noticed a credit balance on my account in decemeber. I contacted Chase to understand the reason there was a credit on my account of {$170.00} as of XX/XX/XXXX and they informed me that there was an overpayment. I inquired more and they directed me to submit a balance refund form. I verified that the balance was not a mistake and they confirmed. I filled out the form on XX/XX/XXXX and received the credit on XX/XX/XXXX. 
On my account activity from XXXX there was a reversal of the XX/XX/XXXX payment ( listed as XX/XX/XXXX ). I contacted Chase via phone on XX/XX/XXXX and was informed that there was a mistake and the payment should never have been applied to my account. Due to this I currently have a balance that is owed and Chase is unwilling to allow me to file a complaint or contest the charge. 
They sent me money that they told me was owed to me and are now telling me that it was not my money despite me checking and verifying with them previously.
Consumer complaint received 2024-04-08
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. (NY)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i have XXXX account and department of education closed student loan accounts on my credit report prifile and i need them removed because they are causing me financial hardship and lively hood damage to my life.
Consumer complaint received 2023-08-07
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: Partners Financial Services Inc (MO)

XXXX Bank was the original person I did business with. The account was charged off a few years back and Partners Financial took over this account now. I have made several payments through the court system and when contacting them they would not update that a few XXXX dollars have been paid toward this debt. They are still saying I owe the full amount of the charge off. I have tried to talk to the manager at the Partners FinanciaXXXX and she was quite rude and of no assiatance. I want to get this payment amount reflected and get this off of my credit report.
Consumer complaint received 2023-08-07
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-07
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. (FL)

I've been trying to contact XXXX XXXX XXXX XXXX and they have not been responsive. In the month of XXXX my card was fraudulently used, I did dispute this transaction and it ultimately was resolved but ( XXXX  ) reported a late/ missed payment to XXXX and Equifax in the month of XXXX claiming that I am XXXX days late which is incorrect, and my credit card statements prove so.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I have been receiving services from Lexington law for 2years .I had to pay excessive fees for the fixing of my credit report..i am victim of identity theft/abuse since a very young age..Lexington law collected monthly payments from me for two years and havent removed anything neither did any research on using the laws so I could reap the benefits of the fair credit reporting act on my behalf..im out of thousands Im a single mom & just want the service I paid for.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-12-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (TX)

Zions bank obtained my debt from vivint communications in 2019, I never heard from them, never had any type of communications from Them for almost 4 years until earlier this year advising me that debt had gone from approximately {$300.00} to over {$2000.00}. I do not know what interest rate Im being charged, never received any type end of year balance status or any type of communication. I have been paying the balance they say I owe this year and last Friday I asked for the balance of this loan so I can look into paying it off. The account manager XXXX XXXX went and filed a collection notice to my credit report which cause it to drop XXXX points today. The balance that was due was paid and it wasnt even 30 days past due. 
I want this credit mark removed and this company investigated.
Consumer complaint received 2023-04-06
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$11000.00} XX/XX/XXXX
Consumer complaint received 2023-09-21
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-01-03
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)

I am interested in disputing all incorrect information on my credit report with transunion. ive noticed alot of invalid data that is hindering my file. I am intrested in updating my file to clear my credit report.