davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

REINVESTIGATIONS OF DISPUTED INFORMATION 15 USC 1681i ( 1 ) ( A ) ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ). 
if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-04-09
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 want to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account XXXX months ago, and they assured me that they would remove it from their records.It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. 
To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. I kindly request that you investigate this matter promptly and remove the fraudulent account from my credit report. 

XXXX XXXX
Consumer complaint received 2023-10-10
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-10
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-08-04
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 (AR)

On XX/XX/XXXX, a legal order was put on my account taking all of my assets of {$2500.00}. I understand this part is legal. But the amount taken was above the garnish wage laws of 25 %. It has also come to my understanding that military pay isn't to be removed under such legal orders. I have contacted the bank several times to only get told to talk to the requester, who tells me it's all to do with the bank. That the bank is the one who determines if the wages are garnishable and the amount. This has left me with no income for almost an entire month and barely paying my bills.
Consumer complaint received 2024-04-09
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. (MA)

Upon reviewing my consumer report, I have discovered ongoing unauthorized inquiries. Despite my prior communication with XXXX and TransUnion requesting a reinvestigation, regrettably, the matter remains unresolved to date. 

XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credence Resource Management, LLC (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-16
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. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

All XXXX credit bureaus ( XXXX, Equifax and XXXX ) have reported a XXXX  XXXX bankruptcy on my credit report as a result of identity theft. I did not file bankruptcy. Also, the name on the bankruptcy does not match my full legal name : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-09
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (PA)

Yes this account was in litigation. I took them to arbitration to win in default and the amount XXXX was {$500.00}. This company has not taken this account off my credit report the whole time it was in litigation. They have violated my rights as a consumer. This account should not be showing on my reports if I won in litigation. Credence Resounce Mana should not be on my credit report they have violated my rights I took XXXX XXXX XXXX to litigation yet again
Consumer complaint received 2024-01-02
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. (NJ)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-09
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

These amounts should never have gone into collections as I am a XXXX XXXX   XXXX veteran. I notified original creditors of my two insurance carriers, Medicare and the Veterans Administration. Whatever co-payment that was left from Medicare should have been billed to the Veterans Administration.  The VA is ultimately responsible as I was taken to the closest hospitals for care from my XXXX XXXX rather than to VA hospital which was about 35 miles away
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

there is a collection account with the following details : Account Type : Open Account Date Opened : XX/XX/year> Account Status : Closed Balance : {$6500.00} Payment Status : Collection account Last Reported : XXXX am disputing this collection account based on the following grounds : The account status is listed as " Closed, '' indicating that the account is no longer active. However, it is reported as a collection account, which is contradictory and misleading.The collection account status is impacting my credit negatively. However, there is no clear explanation or validation provided for the debt, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). [ Include any additional reasons or details supporting the dispute of this collection account. ] I request a thorough investigation into this matter to verify the accuracy and validity of the collection account. If it is found to be inaccurate, unverifiable, or misleading, I demand that it be promptly removed from my credit report.Please provide me with a written explanation of the results of your investigation and any actions taken within 30 days of receipt of this dispute letter, as required by law.Thank you for your attention to this matter.
Consumer complaint received 2024-04-09
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. (VA)

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. 

Account name : Acct # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, late payments, & XXXX Student Loans # XXXX has violated my rights. 

15 U.S.C. 1681 Sec 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 602 A. It also states a consumer agency can not furnish a agency without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I recently reviewed my credit file and unfortunately found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file in the next 30 days. I know that you have up to 30 days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you have incorrectly reported and should be deleted immediately. 

By reporting these inaccuracies you are in violation of U.S.C 1681b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink written instructions to do so. These actions have caused my family and I a great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting. I have also attached an invoice for remedies statutory in nature pursuant to 15 usc 1681n and 15 usc 1681o.
Consumer complaint received 2024-01-02
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)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00}.
Consumer complaint received 2023-07-04
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Portfolio Recovery Associates is reporting a debt/ negative account on my credit report. 

I sent them a letter ( attached ) certified mail that was received on XXXX/XXXX/2015 ( attached ). In my letter I stated that this debt does not belong to me and I also enclosed a copy of my drivers license and social security card ( attached ), to show that it does not belong to me.Since I know that I have never opened anything with XXXX XXXX. I asked them to verify the debt instead of doing such they responded by telling me, I never responded to their previous letter that I send additional info and they are now closing my dispute? ( attached ). Which I never received such letter. 

1. The debt does not belong to me. 
2. I sent this company proof of who I am. 
3. This company did not respond to anything I asked in my letter or take the time to verify the debt instead they close the dispute?
Consumer complaint received 2024-01-02
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. (TX)

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, 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, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Tonight, XX/XX/XXXX as i was checking my credit report on XXXX XXXX there was a Hard Pull Inquiry that I did not even authorize on my report from : XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX XXXX and XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX I used XXXX XXXX time during my military years when I was XXXX  In XXXX XXXX in XX/XX/XXXX and after that I have not used it anymore, and now I see that they did a hard inquiry without even me knowing. I tried calling XXXX right away and all they did was pass me around to some people that does not even know how to handle my problem. I have been trying hard to build up my credit score as I am planning to get my growing family a new house. And with unauthorized inquiries like this is not helping at all. 

I am hoping for your fast action on this matter as I am afraid that it might be a case of stolen identity, which I hope not.