davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-09
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. (CT)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account number XXXX Account Name : XXXX XXXX XXXX Account number XXXX Account Name : XXXX XXXX XXXXXXXX Account number XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account number 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 an account without my written instructions
Consumer complaint received 2023-05-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-11-20
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. (MD)

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 U.S.C 1681 XXXX XXXX XXXXXXXX has violated my rights. 

*15 U.S.C 1681 Section 602A states : I have the right to privacy.

*15 U.S.C 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions/consent.

*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 ) states : 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 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (MA)

Dear ACIMA ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-11-20
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. (NJ)

I have numerous inquiries and addresses and an account that I do not recognize and do not belong to me. I contacted the 3 credit bureaus to remove them and they told me to do a Identity theft report and they would not remove them.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

All 3 bureaus have placed this account on my credit report without my written consent. This account does not belong to me. I have no knowledge of this account. The account that is showing on my report incorrectly is : XXXX XXXX XXXX Acct # XXXX in the amount of {$2800.00}
Consumer complaint received 2018-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have submitted copies of Lien Release on my 2nd mortgage via. usps mail, fax and website uploads. There is no justification for such a low credit score at this time. Transunion continues to re-open or open another dispute before they solve the original dispute. Each time they open a new dispute, they take several weeks to review, then automatically disprove the request, even though I have provided the lien release via. usps mail, fax and uploads. 
I am aware that short sales may stay on your credit from 7 to 10 years. However, I have learned that the impact of short sale on your credit should be much less after 4 years. Since I received a lien release on my 2nd mortgage inXX/XX/XXXX, that released any connection to my first mortgage. 
Regardless of when I sold my home, there is no connection between the 1st and 2nd mortgage after I received the lien release on my 2nd mortgage. XXXX XXXX XXXX should not drag my credit down to less than XXXX. In addition, XXXX XXXX XXXX account was closed in XX/XX/XXXX and should not be reported 30 days late since the account is closed with no derogatory late payments. 
I have submitted formal complaints to XXXX XXXX XXXX and XXXX XXXX servicing. They confirmed the issue with incorrect credit reporting is with TransUnion and XXXX. My credit score should be well above the XXXX mark at this time.
Consumer complaint received 2023-02-19
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. (SC)

My name is XXXX 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.
Consumer complaint received 2023-05-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my second attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I submitted a formal dispute regarding the fraudulent items on my credit report. I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Requested 3 times from this agency CFPB and TRANSUNION TO remove inaccurate information off of my credit report, XX/XX/2023, received a letter on XX/XX/2023 and it remains the same! Information is generated from TRANSUNION with no changes XXXX. 
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs. 

I did not give permission for my information to be sold or shared with anyone at all! 
REMOVE NOW OFF MY CREDIT REPORT YOU ARE IN VIOLATION AND THIS IS MY LAST WARNING BEFORE WE PUT A LIEN ON ALL THREE DEBTORS INCLUDING CFPB XXXX XXXX XXXX is copyright and trademark you are in violation in using this name! and fees do apply {$10000.00} per name and inquiry of my trust name! 

REMOVE AS I DID NOT GIVE PERMISSION remove all inquiries from this report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove all account review inquiries
Consumer complaint received 2024-05-19
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (AL)

OK so up did not know this, but I was paying Lexington law firm to fix my credit and they never did nothing. I paid them for almost XXXX XXXX years and I think it was {$100.00} a week. I don't feel like this was right and I've been burned by these big company 's i Don't feel like it is right in my XXXX and I have XXXX kids that I have to take care of Please get back with me thank you Started services in XXXX ended services XXXX Company name was Lexington law firm
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. Furthermore, I dispute the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you promptly investigate these accounts and take the necessary steps to rectify the inaccuracies on my credit report. I also kindly ask that you provide me with updates on the progress of your investigation as required by law. Please be assured that the information provided in this letter and the accompanying documents are genuine, and I take full responsibility for their accuracy. I appreciate your prompt attention to this matter and your assistance in resolving this case of identity theft.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the persistent presence of fraudulent account on my credit report, specifically with your bureau. It has come to my notice that, despite successfully disputing and having these accounts removed from my credit reports with other bureaus, the same fraudulent entries continue to exist on the report maintained by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
The swift action taken by these bureaus in removing the entries further underscores the veracity of my claims. It is perplexing and frustrating that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged and rectified the issue promptly. The inconsistency in reporting across bureaus is not only confusing but also damaging to my financial reputation.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (MO)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (CA)

Fix this. It's a form I'm submitting to the CFPB. 

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date they have not responded. 

The following account is not mine XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$4500.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2600.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$130.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$120.00}, Original Creditor : XXXXXXXX XXXX XXXX  ) Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$24000.00} ). Please remove it from my credit report.
Consumer complaint received 2023-04-23
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. (CA)

Subject : Dispute of Inaccurate Late Payment Reporting on Account Number XXXX with XXXX XXXX ( XXXX XXXX ) To Whom It May Concern, I am writing to address a discrepancy between the information provided by XXXX XXXX XXXX XXXX XXXX XXXX  and the late payment records reported by XXXX, XXXX, and TransUnion on my credit report. According to the credit bureaus, my account number XXXX experienced late payments in XXXX and XX/XX/XXXX and XX/XX/XXXX. However, after conducting an investigation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX has confirmed in their letter addressed to me that my account has not been reported as delinquent to the credit bureau agencies listed over the last 24 months. 

Given the inconsistencies between the information provided by XXXXXXXX XXXX ( XXXX XXXX ) and the credit bureaus, I am concerned about the accuracy of the late payment records on my credit report. I understand that the credit reporting agencies have investigated these accounts and have deemed them verified. Nevertheless, the presence of inaccuracies on my credit report raises questions about the thoroughness of the investigation. 

As a consumer, I am entitled to know the steps taken by the credit bureaus to ensure the accuracy of the items in question, as outlined under 15 U.S.C. 1681i ( 7 ) Method of Verification - Description of Reinvestigation Procedure. I kindly request a detailed description of the reinvestigation procedure followed by your agency, as well as any documentation used to verify the late payment records on my account number XXXX. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-03
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. (NY)

This is my first 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX