davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services (IL)

In XX/XX/XXXX, I had an accident with a car rented from XXXX. My insurance company paid the claim. XXXX, however, contended there was additional damage that I did n't cause ( was n't noted on the accident report and appeared to be damage caused to the bumper from towing ). In a discussion held in XX/XX/XXXX, a XXXX rep agreed I to not charge for the damage I did n't cause. However, they continued to seek damages for loss of use, even though the repairs to the original damage should n't have taken nearly as long as claimed. When my insurance company and I tried to connect with the XXXX collection department on several occasions to try to resolve the issue, we received no response from XXXX. Then in XX/XX/XXXX, I was contacted again by XXXX with a demand for both the damage I did n't cause and the loss of use. 

Finally, I contacted the customer experience team at XXXX with my complaint and received a response that the claim would be dropped ( see attachment " XXXX email string '' ) and that the collection agency would be advised to drop the claim. However, in XX/XX/XXXX, I received a collection notice from Viking Client Services ( see " XXXX '' ) seeking payment. 

I am registering this complaint because the XXXX collection area has been singularly unresponsive to earlier communications, so I am concerned that the matter will continue to go unresolved unless sufficient pressure is brought to bear to get their attention. Ultimately, I just want to make sure that a ) the complaint is dropped and b ) the complaint and attempted collection is in no way reflected on my credit record.
Consumer complaint received 2023-08-08
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. (MA)

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 2024-01-03
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. (NY)

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.

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 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (WA)

Per request of XXXX XXXX ext XXXX, we have faxed proof that this payment was paid multiple times. XXXX a manager at Central Credit Services is saying that they ca n't find proof in their financial records that they received this payment contrary to our bank records showing proof of payment to " CENTRAL CREDIT SERVICES. '' Central Credit Services responded to my complaint saying we must call XXXX directly with a banker on the line to verify with an authorization code. We 've attempted to call on 5 various occasions and left multiple messages. We have documentation of phone calls as well as first party witness verification that messages were left. XXXX has failed to return any of the calls.
Consumer complaint received 2024-01-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-01-03
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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-29
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

My XXXX card was stolen before it arrived in the mail and activated and used. I found this out on XX/XX/year> when I called Money Network. The amount taken was XXXX. They issued me a new card but rejected my disrupt claim saying that the purchases were digitally verified. I have never set up a on our activated a card with them.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XX/XX/2023, I contacted XXXXXXXX XXXX  regarding account # XXXX ( letter attached ) that appeared on my TransUnion credit report. I requested that XXXX XXXX investigate the account and determine whether it was fraudulently opened. I received the attached letter from XXXX confirming that the account was falsely opened and I subsequently requested TransUnion to acknowledged and remove the fraudulent account from my credit report. ( Letter attached and XXXX dispute is highlighted in yellow ). As of today, TransUnion was ignored my request to remove this account.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (NY)

After reviewing my XXXX report I notice a XXXX  account I am not familiar with. I notice a XXXX XXXX account that I do not have access to. Please find attached the letter of me sending to XXXX requesting validation in which I did not receive it.
Consumer complaint received 2024-06-18
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. (FL)

The accounts listed below are reported on my credit file and were found in my reports with XXXX 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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 accounts removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP. (DC)

I submitted a loss mitigation package to XXXX mortgage company on XX/XX/year> and my application was denied. I was told that there were no loss mitigation options available for me, Im 5 months behind and at this time there was no attorney fees. I asked the representative if I could appeal the decision and I was told it was an immediate denial of an appeal. I feel like there is discrimination involved.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After my home was broken into, theres been multiple requests for new credit accounts that do not actually belong to me. Ive been working to get this matter resolved. I have not applied for any new credit. 
I have new inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for any credit through these creditors and I am demanding that these inquiries be removed from my credit report instantly or I will pursue legal action. 

Also, there are false addessss that need to be removed from my credit report as I only reside at one address. Please remove the following addresses from my credit report and send me a copy of my new credit file once completed. 
XXXX XXXX XXXX XXXX should be removed from my credit file XXXX XXXX XXXX should be removed from my credit file
Consumer complaint received 2024-01-03
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. (SC)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-07-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (OH)

Me and my boyfriend Complained of mold in this apartment, and they never addressed it. We even called and went to the corporate office planety of times. All they did was forward a email to the rental officeThe bathroom was a cesspool for water leaking, condensation and bugs. Me and My boyfriend were back and forth to XXXX XXXX  and Dr about XXXX  and XXXX. We even had to sleep in car or leave apt it was causing XXXX  XXXX. I have a XXXX XXXX. So one day I got in shower with out light on in bathroom and only using hallway light. Upon getting in I saw something again in tub. Didn't know what it was and I jumped out and one foot was on tub. We'll once my bf cane and took care of problem noticed a small Crack in tub. So I advised the rental.office again about these bugs getting in tub. So they told me they had to send maintenance. So they decided to replace tub and gon na tell me I had to pay for it. I don't feel like I was the one to be held response because ya 'll should've been came out and looked for the problem and they didn't. I refused to pay so they said they had to replace it and forcing me to sign for it. I said I'm not paying for a molded tub that u refused to take care of prior to this incident
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (OH)

I, XXXX XXXX, recently purchased a XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX, Wells Fargo finance the vehicle. Purchased date XX/XX/XXXX. This vehicle has had problematic from a bad car battery, the ball joints collapsed, and the dealership told me that they replaced the brakes on the vehicle. Wrong. The vehicle needs rear brakes and rotor. The dealership refuses to reimburse for the repairs.
Consumer complaint received 2023-12-12
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-01-03
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. (IL)

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.

has violated my rights. Or a list of inquiries : 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report.

2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report.

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

XXXX. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

XXXX. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ).

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, XXXX, and Transunion. 

XXXX. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. XXXXmmediate update across all three credit agencies is requested.

10. Correction of Personal Information : I request the correction of personal information to reflect only one name on my report ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ) and no employers. 

XXXX. Deletion of Personal Statement on Transunion, XXXX, XXXX Report : I request the immediate deletion of the personal statement on the TransUnion, XXXX, XXXX XXXX report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, XXXX, and Transunion systems concerning my consumer report. 

XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
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 AM A VICTIM OF IDENTITY THEFT. A XXXX ACCOUNT # XXXX WAS OPENED FRAUDULENTLY AND XXXX DID AN INVESTIGATION COMING TO THE CONCLUSION THAT IT WAS INDEED FRAUD. THE LETTER IS ATTACHED TO VERIFY THIS AND DEMANDS IT TO BE DELETED FROM ALL CREDIT REPORTS. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, TRANSUNION HAS YET TO REMOVE THIS FROM MY CREDIT REPORT HINDERING ME FROM PURCHASING A HOME AFTER MAKING SEVERAL ATTEMPTS FOR THE LIKE 90 DAYS!