davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MN)

Account # XXXX Account Type Collection Agency/Attorney Creditor Type Original Creditor XXXX XXXX XXXX Amount Allegedly Owed {$1200.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Current Reporting Creditor HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX After carefully reviewing my credit report, I was not able to determine the source of this debt. I have never received a letter from creditors explaining to me what the debt is for. I would kindly like to request the deletion of this collection from my credit report.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-23
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)

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and Names that are not mine andXXXX late payments and XXXX charge off account that are not correct, a letter is enclosed that explains everything
Consumer complaint received 2023-11-20
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 bring to your attention a persistent issue with my credit report, specifically regarding fraudulent entries that have not been appropriately addressed despite my efforts and successful resolutions with other credit bureaus. 
Account Information : XXXX XXXX XXXXPLEASE DELETE!!!!

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. I am pleased to inform you that other credit bureaus, have promptly investigated and removed the fraudulent entries from their reports in accordance with the Fair Credit Reporting Act ( FCRA ).

However, it is concerning that your bureau has not taken similar action, and the fraudulent entries persist on my credit report maintained by your organization. This inconsistency is not only causing undue stress but is also a violation of my rights under the FCRA
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I had a positive balance in late XXXX that was {$92.00} of my XXXX XXXX check but a lender contacted me saying they could deposit money in my account which they did but my account was closed in early XXXX because it went negative after talking to the CEO of a branch in XXXX, the bank hacked my account and made it go negative after seeing my finances.
Consumer complaint received 2024-05-13
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. (CT)

I am writing to dispute the accuracy of information on my credit report. Upon reviewing my report, I discovered XXXX  accounts that appear to be fraudulent and not authorized by me. The accounts in question are as follows XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$100.00} ( as of XXXX XXXX, XXXX ) Credit Limit : {$700.00} Status : Closed Payment History : Account is shown as closed with no late payments XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$740.00} ( as of XX/XX/XXXX ) Credit Limit : {$750.00} Status : Open Payment History : Account is shown as open with no late payments I have never initiated or authorized the opening of these accounts. Therefore, I request that they be investigated and promptly removed from my credit report. 

Moreover, the account information provided for the XXXX account includes a statement regarding the normal discrepancy between the balance reported and the balance on the credit card statement. While I understand this practice, I would like to emphasize that the reported balance of {$740.00} significantly exceeds any balance I have ever held on a credit card. This raises concerns about the accuracy and legitimacy of the reported information. 

Furthermore, I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand that these accounts be thoroughly investigated and removed from my credit report within the legally mandated timeframe. I have enclosed a copy of my police report documenting the fraudulent activity for your reference. 

Please provide written confirmation once these fraudulent accounts have been removed from my credit report. Additionally, please inform me of any further steps I need to take to ensure the integrity of my credit profile. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-20
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This is a violation with both FCRA & FDCPA, FCRA - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


EQUIFAX IS REPORTING AN INCORRECT BALANCE ON ACCOUNT XXXX  XXXX XXXX Account number XXXX Last updated date XX/XX/2023, we are currently in XX/XX/2023 the balance currently is XXXX, both XXXX & XXXX have the correct balance. This inaccuracy is a violation of my rights, everyday this inaccuracy is hurting impacting me, my family & my businesses. 

FDCPA 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or Due to my rights you are in violation which you will need to submit a cashiers check to my address for {$1000.00} per day until this inaccuracy is corrected, payment sent overnight delivery. No later than 24 hrs of correction.
Consumer complaint received 2023-11-20
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
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. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified XXXX inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows : Creditor Name : FIRST CITIZENS BANK Inquiry Date : XXXX. XXXX, XXXX I must emphasize that neither XXXX nor any other credit bureau have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciated. 

Sincerely, [ Your Name ]
Consumer complaint received 2023-04-24
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 the several time I've complained about being a victim of identity theft. You must remove/block the items that were 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. 
XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX  Balance Owed : {$300.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$540.00} XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX 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 2023-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am not liable for this debt with ( XXXX XXXX XXXX XXXX ) I do not have a contract with Portfolio Recovery. The debt listed on my credit report is non-factual/fraudulent I looked at my credit report and noticed an unusual collection that does not belong to me, completely unauthorized. I know that I have in the past lost my personal credentials while job hunting in which I had my social card which is how I believe someone possibly got my information. Please kindly I ask that you remove this collection off my report!!!!
Consumer complaint received 2023-11-20
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)

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (FL)

In accordance with the fair credit reporting act XXXXXXXX XXXX listed below has violated my civil rights. List of accounts that need to be removed asap : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 states 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, no 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 items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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. (TX)

On XXXX XXXX I sent a letter to the credit bureaus requesting them to correct these accounts due to inaccurate, unverifiable information. On XX/XX/XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification letter on XX/XX/XXXX and received a response letter on XX/XX/XXXX that did not indicate their procedural method of verification. Due to the fact that these accounts were not corrected, they violate FDCPA and they are in violation of the law. 

These violations include but are not limited to : Section 809 ( b ) Section 809 ( a ) Section 807 ( 8 ) Section 807 ( 10 ) 813. Civil liability I am frustrated because these accounts that should have been removed are impacting my life.
Consumer complaint received 2023-05-10
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. (AL)

I submitted a complaint last XX/XX/2023 and the companies involved responded. Some got deleted but there's a lot of fraudulent items that are still reporting on my credit report. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-04-12
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. (IL)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A month ago, I sent TransUnion a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX