davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (FL)

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.

Unauthorized inquiries on my credit report. 

Account name : XXXX XXXX Dated : XX/XX/XXXX Account name : XXXX Dated : XX/XX/XXXX Account name : XXXX XXXX Dated : XX/XX/XXXX Account XXXX : XXXX Dated : XX/XX/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 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 2023-12-16
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)

The account on my TRANSUNION REPORT ... XXXX XXXX XXXX XXXX XXXXXXXX ( account number ) address XXXX XXXX XXXX, XXXX, De XXXX XXXX THIS ACCOUNT WAS OPEN FRADULENT!! I never owned this account... Transunion has not provided the information about this account to prove anything being accurate ... all the other credit bureau has deleted this fraudulent account!! I sent in my FTC Reports!! The address that first open this fraud account is not my address and is not on my account or credit report!! I demand this item be deleted or I am going to sue Transunion!!
Consumer complaint received 2024-03-26
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. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-12-16
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)

Transunion has not removed the fraudulent account XXXX XXXX # XXXX I have no knowledge of this account and I asked Transunion to verify the original address we're this debt started from and send me signature forms from when this account was first opened... I have not received this and this account has been deleted from all other credit bureau as they have done their job!! Transunion is not following the laws and they are breaking the rules!! I demand that this item get off my report!!
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
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. (TX)

Transunion LLC ( address XXXX XXXX XXXX XXXX XXXX XXXX 
phone no. XXXX. ) ( Transunion consumer relations : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is reporting a XXXX XXXX XXXX on my consumer report. report no. XXXX XX/XX/XXXX ( disputed again on XXXX ) file no. XXXX ( XX/XX/XXXX ) Transunion Re-investigation Info : This item was updated from our processing of your dispute in XX/XX/XXXX. Estimated month and year that this item will be removed : XX/XX/XXXX Public Records : Information gathered from courts or other government agencies about legal matters associated with you. The most common Public Records are bankruptcies, tax liens, and monetary judgments. Hard Inquiries Contact Info Address Last call to Transunion LLC took place on XX/XX/XXXX approximately XXXX ( lasted for 1 hour 47 secs. majority of time was spent on hold. very frustrating.XXXX was rude and not understanding and very nonchalant about something very serious to me the consumer. bad customer service. ) According to Trans union rep XXXX on a recorded line as mentioned on the call.can be heard clearly saying they acquired the information from the courts which is middle tennessee. 
That is a bold faced lie. This is very annoying to hear because i called the court personally and asked them why they were reporting an in accuracy such as this and they replied they do not report to any credit reporting agency especially Tansunion LLC, XXXX, XXXX and XXXX. This is a direct conflict of information/not Factual/misinformation/deceptive, and the Court has now sent me proof of what was discussed on the phone call. which is " the middle tennessee court does not report consumer information to any reporting agency which includes Transunion LLC., XXXX XXXX XXXX and XXXX stating that they do NOT provide Any information to credit reporting agencies. The Court states they are not Responsible for the reporting of this information on my report, nor do they ever validate and/or confirm public records. Transunion states the source as XXXX XXXX XXXX XXXX. ( incorrect ). Next they state they obtained information from XXXX. Document from court does not confirm this as TRUTH of FACT either.
Consumer complaint received 2023-12-16
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. (IL)

I am writing to file a formal complaint regarding the unresolved issues on my credit report. Despite my initial attempts to rectify inaccuracies, including the reporting of a late closed account, an account included in bankruptcy, and a public record, the information remains unchanged. 

Despite providing relevant supporting documentation and following the proper dispute procedures, there has been no resolution, and the inaccuracies persist. 

Enclosed with this letter, please find additional supporting documentation reaffirming the inaccuracies in question. I have attached : I request that your agency conducts a thorough and expedited investigation into the inaccurate information mentioned above. The continued presence of this misinformation is causing significant harm to my creditworthiness, and I insist on prompt corrective action. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the inaccuracies outlined. 
Correct the information promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove tthe said items items in my credit file : XXXX XXXX XXXXXXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Consumer complaint received 2023-12-16
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. (NC)

On XX/XX/XXXX, I discovered that XXXX was reporting a negative credit card account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that XXXX has breached there agreement with me and violated there terms and conditions by reporting my non public personal information to third parties, namely XXXX, TransUnion and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. And XXXX is also still currently reporting transaction history which is illegal. I wish to Opt out pursuant to 15 USC 6802-6805. XXXX was obligated to send me a opt out request every 30 days and failed to do so.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-12-17
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

have contacted Transunion several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.
Consumer complaint received 2023-12-17
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. (NJ)

XXXX XXXX The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI
Consumer complaint received 2023-12-17
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. (FL)

I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-12-17
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. (DC)

I am still having difficulties for XXXX XXXX XXXX. to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. I am being taken advantage of badly by this fake company.
Consumer complaint received 2023-09-18
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. (KY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (TX)

I have continually had AR Resources list medical bills that are paid by my XXXX. I have no copay after medicare. I had two XXXX XXXX plans at the time, they have only billed one. 

XX/XX/XXXX Talked to XXXX - then called medical provider. Medical provider had to call XXXX and get collections removed. 

XX/XX/XXXX Call out to AR Resources - spoke with XXXX - talked to a supervisor, he said only one insurance was billed. He said they would remove from credit and would put note on my account so it wouldn't happen again. His supervisor did verify all the information.. 

XX/XX/XXXX Call to AR Resources XXXX XXXX - said he saw the issue and would get a supervisor. Phone disconnected I called back several times, last time left a message and no response. 

I did contact medical provider, they said it should not be happening. AR Resources has the information for billing. XXXX said it looks like its an issue with AR handling the billing. They put another note on my file. 

I was in the middle of buying a house and have had to call every month. This is a major inconvenience for me and affected me buying a home.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CO)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-17
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. (GA)

This credit reporting agency is reporting information regarding my payment history without my consent. I have not given it the authorization to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to the this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization. This credit reporting agency is also in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. The INCORRECT Address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-12-17
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. (DC)

I am still having difficulties for XXXX XXXX to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. 

I am being taken advantage of badly by this fake company.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated and time stamped. XXXX XXXX XXXX