davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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)

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.

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 2023-11-02
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 (CO)

I used my Apple Card to purchase two tickets for a local concert. When I attempted to use my Apple Card I received an error from XXXX saying my payment couldnt be processed. So I waited a minute and tried again. The second time the purchase was successfully made ; however, I was charged twice. I attempted to resolved this with the ticket company ( XXXX ) they submitted a request for refund but I never hear from them again. So I tried again with the ticket company. They submitted a second refund request. I never heard back. So I went to XXXX and disputed the additional charge. They replied that I intended to purchase all those tickets which Im fact I had not.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Re : Account Number : XXXX  To Whom It May Concern, I am writing to dispute the validity of the collection account associated with the account number referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Below are the details of the disputed account : XXXX  Account Number : XXXX High Balance : {$2500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXX Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects an open collection status. As per my records, there has been no recent activity on this account, and it should not be reported as open. 

Furthermore, I dispute the accuracy of the reported balance owed. The amount stated is not consistent with my records, and I request that you provide detailed documentation supporting the validity of this debt. 

Therefore, I request that this inaccurate and derogatory information be removed from my credit report. Additionally, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information, as required by the FCRA. 

I expect a prompt response to this dispute within 30 days from the date
Consumer complaint received 2023-09-20
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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
Consumer complaint received 2023-05-02
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. (OR)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
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. (MA)

I am writing to report an instance of identity theft that appeared before me on XXXXRecently, I was informed by XXXX that an XXXX XXXX credit card had been opened under my name through TransUnion. The reported amount associated with this account is {$430.00}. I want to clarify that I did not authorize or open this credit card account, and I have reason to believe that my personal information has been fraudulently used. 

The account was opened under my name. I suspect that my identity was stolen and used without my consent, which has led to this fraudulent activity. This issue poses a significant risk to my financial integrity and credit score. 

I am seeking your assistance to investigate this matter thoroughly and to help me resolve the issue by removing the fraudulent account from my credit history. Additionally, I would appreciate guidance on further protective measures I can take to secure my personal information. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

TransUnion has been difficult to get ahold of as well. I have been trying to also use their website but they are reporting they can not find my SSN.
Consumer complaint received 2024-04-24
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 understand FCRA 605B to require the elimination of any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts listed contain inaccuracies in reporting, such as incorrect amounts and dates.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC (IL)

On XX/XX/2023 I maiiled a notification to SECURITY CREDIT SERV requesting that they remove an account that is not mine from my XXXX and XXXX report.as it is hurting my credit and preventing me from work opportunities. I explained that I do not and have never had an account with them and that I do not have an agreement or contract with them or their creditor and requested a copy of the original contract.with my signature at the address listed on their posted collection on my credit report. They did not respond or send me a contract with my signature.
Consumer complaint received 2023-07-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, and XX/XX/XXXX I was denied business credit after applying for a credit card for my business XXXX XXXX XXXX XXXX using my IRS issued EIN number with American Express XXXX XXXX XXXX card. I then received letters from American Express for both of the aforementioned dates in which American Express explained why they can not approve my application at this time. American Express denied my business credit card applications because they stated that I had canceled previous accounts with them. Both letters indicated I could contact them and try to qualify for a new car in the future by submitting an application at a later date. When I was initially denied on XX/XX/XXXX of XXXX, I waited almost 8 months before I re-applied again on XX/XX/XXXX in an effort to follow the instructions of American Express to which they indicated in their denial letters for me to submit an application at a later date. I followed their instructions and again my business was denied a credit card for the American Express XXXX XXXX XXXX card for a second time on XX/XX/XXXX. 

Back in XXXX, while I was married I did file for bankruptcy with my husband at the time and everything was written off for the personal American Express credit cards that we shared together. However, Ive never previously had an American Express business credit card. I am pointing this out to state that both attempts for me to apply for the American Express XXXX XXXX XXXX card is for my business only and not for a personal use credit card. I feel that American Express is discriminating against my business because of my past personal credit cards that have been paid or previously covered under my personal the bankruptcy more than 13+ years ago. Again, I am emphasizing that I applied to American Express under my legal business in order for use for business transactions, not personal use. I strongly attest that American Express refusal to extend credit to my legal business is discriminatory and they are using my prior personal credit/prior bankruptcy as reason rather than the creditworthiness criteria of my business credit. For these reasons in good faith I am submitting this formal complaint about these illegal practices in determining my business ability to obtain credit through American Express. I am including both of the rejection letters for your review. Thank you.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (NC)

In Accordance with the Fair Credit Reporting Act. The lists of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INQUIRY NAMES : XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-11-02
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: Commonwealth Financial Systems, Inc. (CA)

Some company has that I have not conducted business with has reported a debt on my credit report. The credit reporting agencies said they only ask the reporter if information is accurate. They do not require any proof of debt. How can a company say you owe a debt without proof? Moreover, the agency is asking ME to provide documentation showing I do not owe a debt from a company I have never heard of. Basically the agencies are not investigating at all. Why should consumers have to spend money hiring attorneys to prove our innocence? This process is abusive to consumers.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (MI)

I disputed a late payment ( s ) that was reported by 3 collections agencies that was sold to the following companies without my written permission. According to FCRA 605b section 1681 these companies do not have the right to do this. This is on my credit report by XXXX these collections are XXXX XXXX XXXX stating the account was paid off with a XXXX balance, by XXXXXXXX XXXX XXXX but written to XXXX XXXX XXXX that I owe {$740.00}, XXXX XXXX XXXX, my information was sold by XXXX XXXX in the amount of {$470.00}, and XXXX XXXX XXXX sold to them by XXXX in the amount {$570.00}. This account is also in error. 

I would also like to request my bankruptcy removed, due to XXXX not furnish this information.
Consumer complaint received 2023-11-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: InDebted Corporation (OH)

I was told by this company that I needed to set up a payment with them in order for my loan not go into default. I did I set up $ XXXX  monthly only now to be told that my payment plan was cancelled after the making the first payment. I requested a refund only to just be told NO without any reason because I shouldnt have them and the original creditor also.
Consumer complaint received 2023-04-17
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. (LA)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly remove these items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (TX)

I recently tried to apply for a home and was denied, after obtaining a copy of my credit report there are some major issues that need to be addressed. I found the following accounts to be in error : 1.Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 3. 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S. Code XXXX - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 5. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX Account Number : XXXX Please Delete Immediately
Consumer complaint received 2023-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contact Transunion i let them know that the bill on my credit report was not mine I provided them with my ssn # an id also I provided my son ssn # an id by mail like they ask after 60 days has passed an the bill is still showing on my credit report an also my son name is still showing on my credit report as also known as.
Consumer complaint received 2023-09-03
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-10-11
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. (TX)

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting. If these errors are not corrected within the next 15 days, I will have no choice but to invoice you for damages of {$1000.00} due to your continued failure to comply with the FCRA. 

" SEE ATTACHED DISPUTES ''
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adelante, Inc (TX)

The account is for a medical bill that is under {$500.00} and should not appear on the credit report. The collection agency has fraudulently increased the debt in an attempt to report it. I have contacted Account Services without success to correct this illegal action.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I order all withheld credits released and to be applied. how am i supposed to pay a debt with a debt XXXX  XXXX. No concent given to sell share or evaluate my credit worhiness only GOD may judge me i dont believe transunion or XXXX or XXXX are qualified and all debts public and private are responsability of The United states of America and I am not a fiction but a XXXX XXXX XXXX XXXX XXXX and not lost at sea and one who signed up for the draft and pleged my allegiance to XXXX and my fellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  our ideals and constitution and i have a god given right to obtain credit as im at age of Majority and of a sound mind
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OR)

In accordance with the Fair Credit Reporting 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 an 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 then records of convictions of crimes which antedates the report by more then 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.