davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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. (PA)

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccurate information regarding reporting, incorrect amounts, and incorrect dates.
Consumer complaint received 2024-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc. (MN)

The XXXX XXXXXXXX XXXX XXXX XXXX reported an amount of {$1800.00} was to be paid by me around XXXX, XXXX, because I was experiencing mental health issues and I did not want to take an ambulance because at the time I did not have health insurance, and I insisted on not taking the ambulance for those reasons! The XXXX Fire Department refused to listen to my concerns and therefore, I was forced to ride in the ambulance ; which, in turn gave me a large bill of {$1800.00} for which I was not able to pay, did not want to pay due to the circumstances and was forced to pay. As of XXXX, XXXX, the {$1800.00} was then sent to a collection agency and since then, I have not been able to receive a State Tax Refund because that money goes to the XXXX XXXX XXXX XXXX '' Account every year since XXXX. As of XXXX, XXXX, the balance remaining on that account is {$1600.00}. I have attempted to resolve this with the XXXX Fire Department in XXXX, as well as attempting to resolve this matter through XXXX, the credit reporting agency ; however, there has yet to be any resolve.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-05-24
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. (PA)

On my most recent report it is reflecting account XXXX account number XXXX as a charge off which has tremendously spike up my depth owning more that is caused by the inaccurate interest rate being charged and potential late fees. Because Experian is recording I am 30 days late on XXXX, but XXXX is showing 90 days late This has been hurting my credit score for a while now and has lead to derogatory remarks. 

Also XXXX is saying I am charged off for 120 days for three consecutive months. the Fair Credit Reporting Act ( FCRA ). Getting the late payment removed depends on its accuracy. The FCRA is a federal statute that allows you the opportunity to dispute false information on your credit report, thus I am demanding that this information be removed from my account immediately
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (GA)

Merchants Adjustments ServiceXXXX XXXX  did not prove the indebtedness. 

Why remove it if the debt was legitimate and the services were provided? That supports my assertion that they have BOTH breached the law and committed a crime and caused me irreparable harm. My credit worthiness, reputation, and capacity to receive credit have all suffered. You must now pay me punitive damages.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-05
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. (AL)

I received a report from TransUnion in the mail showing where they have updated my name. Transunion is reporting 2 names, there should only be one name reporting. I have sent the proper documents verifying who I am. My name needs to be corrected, per the documentation that I have uploaded on my previous complaint.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my second 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-18
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. (PA)

I contacted XXXX, XXXX and XXXX to request deletion of this inaccurate data from my XXXX XXXX Report, but they have refused. I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. 
These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Consumer complaint received 2022-12-02
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. (PA)

In accordance with the fair reporting act XXXX the accounts below has violated my rights Account name : date : XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} Account name : date : XXXX XXXX XXXX XXXX {$11000.00} Account name : date : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX date : XXXX XXXX XXXX {$390.00} XXXX XXXX date : XX/XX/XXXX # XXXX XXXX XXXX XXXX  date XX/XX/XXXX # XXXX {$570.00} ACCOUNT name : XXXX date : XX/XX/XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

Bank purchased my mortgage from XXXX XXXX in XX/XX/XXXX. On the XX/XX/XXXX mortgage, they attached an " other fees '' quantity of about {$15.00} to the charge. I called and they told me that they were charging me for a " property inspection '' that they had to undertake as part of their purchase. When I protested, they told me that I had signed original paperwork allowing for the unlimited sale of the loan. I responded that I had not signed anything accepting costs incurred by the company purchasing the loan during the course of their purchase. They then removed the charge but told me I was no longer eligible for any further " charge forgiveness '' associated with this account. The small amount of money relative to the loan, and the lack of any notice to me that they were doing the " inspection, '' as well as the opaque labeling of the charge on my statement as " other fees '' clearly identifies this as a common theft of money from home owners technique by this bank.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my six 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 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  XX/XX/XXXX
Consumer complaint received 2024-05-24
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to contest the presence of this bankruptcy on my credit report. This issue is deeply troubling, especially considering I have a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (NJ)

Aidvantage student loan company was directly involved with my concern. I filed bankruptcy in XXXX included the student loans as part of the bankruptcy. I sent it out undo hardship letter to the bankruptcy court, and directly to the lender. My Bankruptcy was discharged back in XXXX as a dis charge. I read an article XX/XX/XXXX that Aidvantage bank was not granting Bankruptcy discharges as a matter of clearing the debt with the student loans. Per the instructions I needed to file a complaint. My student loans was {$81000.00}.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Collection Account from XXXX XXXX XXXX. should not appear on my credit report as the account was paid in full directly to the original company XXXX XXXX XXXX. 

Payment made directly to XXXX XXXX XX/XX/XXXX in the amount of {$2700.00}. Please see enclosed bank statement, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming account.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

I am a former XXXX licensed broker and I was successful for many many years. 

It's been over XXXX years since I was robbed of EVERYTHING and I'm still homeless. 

I was in the XXXX XXXX breach of 2021 and I am still in a homeless shelter and completely disenfranchised from this id theft attack I have id theft insurance, it will not pay me ANYTHING let alone my enormous losses. 

I was in the rental relief program for 3 months. 
XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX my former clients, all have robbed me and my family in several ways once my Identity theft attack started. 

Virtually every govt agency I have contacted since this attack on my son and I does not care to compensate me for my losses either. 

I have contacted everyone I was told to and all dead ends. 

I have nothing left and barely anyway now to prove any of my losses. 

I am very tired after XXXX years being ripped from my son and in a shelter with criminals and crazy people for XXXX years. 

I don't have it in me to explain everything but I will tell you that I will keep writing your office when I have the energy because I want my stuff back and I don't believe anyone needs more of my time to prove anything. Here 's the list of my demands to be made whole and I do not feel obligated to prove why or how I had such wealth. You can figure it out. 

I want my XXXX ID theft insurance with assurant and XXXX XXXX to pay me XXXX XXXX dollars. 

I want my credit back to XXXX and no debt. 

I want my fiat abarth back I want my XXXX a month apartment back. 

I want my drafting company back and all my computers I want my son back most importantly and you will not waste my time explaining why he has been out of my life when we were evicted illegally at XXXX point from our home. 

I'm not answering anything I'm demanding and I don't care if you deny it I will just keep demanding it as long as I'm suffering and my son is suffering, I will remind your office of how broken your protection is of not only my son but also of the American public. I have a background helping and protecting many people in finance and health. 

Figure it out, get me whole again and don't dare ask me to work on it. I got a child to raise and explain this all too and how our country is clearly going to XXXX. You try over and over again reliving a horror like this. I will only give you what theives had of mine to take my son 's life from him. 
My social security name number email and mailing address and the names of the services I had. 

I worked like a dog for my son to have a good life and enjoy his parents bc I never had that. And what's listed here is what I can stomach to list right now. you'll never know the full extent of my losses or my son 's plight. Just get it done.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The late payments showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my 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 & block 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 block/remove these items. 
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 Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$560.00}
Consumer complaint received 2018-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MARINER FINANCE, LLC (NY)

Mariner Finance LLC sold my auto loan to another lender in XX/XX/2018. It is now XX/XX/2018 and I still have not been notified that my loan was sold or who it was  sold to. I learned about it being sold by my credit report. They are still holding a lien on the vehicle as well.