davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to assure maximum possible accuracy under 15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports, and ( XXXX ) in 15 U.S.C. Sec. 1681i ( a ) for a CRA to conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is inaccurate. 

The listed account contiues to report inaccurately with Transunion. This account is reporting only with Transunion but has been deleted from XXXX and XXXX after a reinvestigation. How is Transunion continuing to state MEETS FCRA REQUIREMENTSwhen XXXX and XXXX DELETED this SAME account after their investigation for NOT meeting FCRA requirements. This collection account, XXXX XXXX XXXX, that Transunion has continuously VERIFIED AS ACCURATE remains to report the same with absolutely NO change. A collection is by default a XXXX  account but yet continually reports as an XXXX  account. I have yet to receive a method of validation. If accuracy is assured how is a collection reporting to my consumer report as XXXX  with a PAST DUE balance. Previous dispute with the company states there is no inaccuracy in reporting. I demand a reinvestigation of the accuracy of information that is being reported. 
I demand this account be deleted IMMEDIATELY for inaccurate reporting and complete disregard of my federally protected rights of a THOROUGH investigation. 

XXXX XXXX XXXX # XXXX has violated my federally protected rights as well as Transunion Credit Bureau .

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 2024-04-15
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. (FL)

I am writing to file a formal complaint against TransUnion regarding their failure to investigate and address inaccuracies on my credit report despite my efforts to dispute them. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to TransUnion, requesting an investigation into the inaccurate items on my credit report. Additionally, I provided documentation to dispute incorrect personal information listed on my credit report. 

I included a copy of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

Despite providing all necessary documentation and following the proper dispute procedures outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion refused to conduct the investigation. This refusal has left me in a precarious financial situation, as the inaccuracies on my credit report continue to impact my ability to access credit and other financial services.

I received a response from TransUnion dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

I demand that TransUnion immediately conduct a thorough investigation into the inaccuracies on my credit report and take the necessary steps to correct them. Furthermore, I expect TransUnion to uphold its obligation to verify my personal information accurately and update it accordingly.
Consumer complaint received 2024-04-15
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivable Recovery Services, LLC (FL)

Please be advised, I have been a victim of idenety theft. The have never done business with or entered into a written agreement with ANY OF THESE COMPAINES. 

RECIEVABLE RECOVERY {$1900.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX {$560.00} PLEASE ATTACHED FTC REPORT.
Consumer complaint received 2024-04-15
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)

The unverified ITEMS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these ITEMS. Please follow the law so that this situation can be settled quickly. I need the following ITEMS to be updated from my file right away 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
Consumer complaint received 2024-01-15
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. (AR)

i am a natural person, i am a livng human being. i have right under 15 usc 1681 equifax is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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. (PA)

The company is reporting negative activity on my credit report that was cause by identity theft. Original company ( XXXX ) not doing a proper investigation. XXXX and Transunion not doing a proper investigation on the information being sent to them
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TN)

I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved. 

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect. 

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error. 

Thank you for your attention to this matter. I am looking forward to your prompt response.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The credit reporting agency XXXX is reporting a balance {$830.00} for a collection agency named creditors bureau associates and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act.

The credit reporting agency Transunion is reporting a balance {$830.00} for a collection agency named creditors bureau associates and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of 15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I WOULD LIKE TO REMOVED THESE INCORRECT NAMES AND ADDRESS ON MY TRANSUNION REPORT. THESE NAMES DO NOT BELONG TO ME NOR DO I HAVE ANY RESIDE OR GET MAIL AT THESE ADDRESS. I WOULD LIKE FOR THEM TO BE DELETE OFF MY REPOST IMMEDIATELY THANK YOU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$530.00} XXXX  XXXX balance {$130.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX balance {$0.00} XXXX XXXXXXXX balance {$130.00}
Consumer complaint received 2022-12-01
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. (NY)

I sent a letter to the company, Equifax, to resolve the errors on my account, and if they were proven accurate to verify the information. The company, Equifax, did not do anything to resolve those errors and were unable to prove the accuracy of the items I am disputing on my credit report.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

First one- Sent {$1000.00} over XXXX  XXXX meant to send {$100.00} person blocked me i disputed and they denied the dispute. 
Second- Got phone stolen and they spent {$880.00} on XXXX XXXX/ payment apps etc and they also denied that dispute. Im missing {$1800.00} and they didnt do anything and just closed my claims that money was going to be for this semester of college and now im XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2018-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Fraud on account. The creditors disappeared last month and then came back. I spend over 3 hours everyday on phone with the scam artists at TransUnion. They need to remove the following. 


Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX   Last 4 of social -XXXX
Consumer complaint received 2024-04-15
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 address the serious issue of a fraudulent account present on my credit report. It has come to my attention that there is an account listed under my name that I have not authorized nor have any association with. This is a significant error on your part, and I insist on its immediate removal from my credit report. I have submitted the required FTC report to the company associated with this account and they have already removed this from their records. Furthermore, other credit bureaus also deleted this account after receiving the supporting documents, The inclusion of this fraudulent account is not only unjust but also severely damaging to my financial reputation. It is entirely unacceptable that such an error exists on my credit report, and I will not tolerate any further negligence on your part. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-15
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. (FL)

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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$40.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX balance {$540.00}
Consumer complaint received 2024-04-15
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)

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (AZ)

Trying to buy a home. Ran my credit on XX/XX/XXXX and the XXXX  account came up. I called right away and paid. I need a letter of deletion and this removed from my account to buy my home they said to file through this website and XXXX   would allow it to be deleted
Consumer complaint received 2024-04-15
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. (NJ)

I am reaching out to inform you that I have been a victim of identity theft. These accounts were opened by someone close to me, although I am uncertain if the exact person I have in mind is responsible. Consequently, I need assistance in removing these accounts from my credit history, as they were opened due to identity theft. 

XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XX/XX/23 I contact Rocket Mortgage verify XXXX amount for new small house purchase building. Service rep verify. Then XX/XX/23 I called Rocket Mortgage service financial to get mortgage rates lesser than current mortgage rates and the small loan I could use from equity. XX/XX/23 I was told from Rocket Mortgage service rep not financial services I don't have equity for small house building. I asked for a call back I reported to FTC the harassment service employees give me when I call to verify Acct mortgage status of mortgage payment because money stolen and payments not applied. This does effect my credit score and purchases with credit company and using my credit to do business as XXXX  and personal working.
Consumer complaint received 2023-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2024-04-15
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items which is found to be fraud 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. Please remove these items. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX  XXXX Balance Owed : {$880.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.