davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-12-22
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. (AR)

I am writing to bring to your attention a matter of utmost importance regarding fraudulent items on my credit report. Despite my repeated attempts to rectify this issue, the fraudulent information continues to adversely impact my credit standing, causing substantial harm to my financial well-being. I first discovered the presence of fraudulent items on my credit report. Since then, I have made several attempts to dispute and remove these inaccuracies through the established dispute resolution process. Regrettably, these efforts have not yielded the desired outcome, and the fraudulent items persist on my credit report. This situation is not only damaging my creditworthiness but also causing significant distress and inconvenience. I am seeking your urgent attention to address the following matters : A comprehensive and thorough investigation into the fraudulent items on my credit report. Immediate removal of the inaccuracies from my credit report to prevent further harm to my financial standing. Confirmation of the resolution and an updated credit report reflecting the accurate and corrected information. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe it is crucial to rectify this matter promptly. Failure to address and remove these fraudulent items may compel me to take legal action to protect my rights and seek appropriate remedies. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to remove these fraudulent items in my credit 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
Consumer complaint received 2023-12-21
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)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-04-22
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. (WV)

No negative information should be furnished on my credit report without my lawful authority. Committing unlawful extortionate means such as furnishing nonpublic personal information i.e. late payments, charge offs, etc. can get a creditor 20 years for violating 18 USC 894.
Consumer complaint received 2023-10-31
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code
1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-11-17
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. (NY)

These accounts have incorrect information XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

SENT A CERTIFIED LETTER TO CREDIT BUREAU TO CORRECT MY NAME, ADDRESS AND PHONE NUMBER. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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 am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-22
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2023-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO Bank, N.A. (CA)

I have a XXXX  with BMO. I did not realize that my unpaid balance was {$0.00} in XXXX 2023 and made a $ XXXX payment. When I realized this, I went to the bank but was told that they could not resolve the issue and that I have to call the mortgage department. I called the number given to me and was told that the excess payment was sent to XXXX. I called the XXXX  department and was told that they have mailed a refund. I recently changed residence but have provided the bank my new address. The post office is also aware of my move and forwards all mail. The XXXX company claimed that my address was not changed and that the refund was sent to my old address and to call at the end of XXXX 2023. I called at the end of XXXX 2023 and was told that a new refund will be mailed to my new address. As of date, no refund has been received and I am not receiving any interest on this money. I believe the bank is intentionally making excuses to hold on to money without providing interest.
Consumer complaint received 2023-12-22
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)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I see by your articles in your page that I am not the only one that struggled with Credit Acceptance. That car was overpriced and I struggled from day one. I lost my job and went downhill from there. Three weeks ago the repossesed it and said i had to pay {$9000.00} to get it back and keep the monthly payments. Now I will have a repo on my credit. And Im a XXXX XXXX doing XXXX to survive. I just wanted to add my story to your file. I know it's been a while since you printed that. It was a XXXX XXXX XXXX And ... ... ..it was reposessed on a street I rarely visit. How did they know it was there? I always wondered that.
Consumer complaint received 2024-04-22
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. (NY)

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureaus are not reporting this fraudulent information.
Consumer complaint received 2023-12-22
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. (TX)

I understand that deciphering the intricacies of credit reporting can be as challenging as decoding hieroglyphics. However, I find it perplexing that some fraud accounts have successfully made their grand exit, while others seem to have mastered the art of resurrection. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

LET ME BE CRYSTAL CLEAR : ALL DISPUTED FRAUD ACCOUNTS ON MY CREDIT REPORT ARE THE RESULT OF IDENTITY THEFT, not some avant-garde performance art. I fail to comprehend why some of these impostors have been granted an unceremonious eviction, while their counterparts continue to throw a raucous party on my credit history. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand a fair and equitable resolution to this enigmatic situation. If certain fraud accounts can be deleted with the swiftness of a XXXX disappearing act, then surely, the rest can follow suit. It's only fair, right? OR IS FAIRNESS JUST ANOTHER ILLUSION IN THE MYSTERIOUS REALM OF CREDIT REPORTING? I implore you to exercise your investigative prowess and uncover the secrets behind this confounding conundrum. WHY DO SOME FRAUD ACCOUNTS RECEIVE A VIP PASS TO THE EXIT, WHILE OTHERS CLING TO MY CREDIT REPORT LIKE UNWANTED HOUSEGUESTS?
Consumer complaint received 2024-04-22
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. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified information on my credit reports that were not authorized. I'm a victim of Identity theft and this information is inaccurate.
Consumer complaint received 2023-12-22
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)

According to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are all consumer reporting agencies and I am the Consumer. 

These agencies have failed to do so and have violated my federally protected consumer rights to privacy and confidentiality by publicly furnishing the below charged off accounts on my credit report and selling/communicating my nonpublic personal information to a nonaffiliated third parties without my written instructions. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$9700.00} ) XXXX XXXX - XX/XX/XXXX ( {$2600.00} )
Consumer complaint received 2024-04-22
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. (CO)

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureaus are not reporting this fraudulent information.
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (AL)

Hello, My name is XXXX XXXX XXXX. I kept recieving phone calls from a debt collection company named Halsted Financial Services based out of the address XXXX XXXX XXXX XXXX Il. My dad and I have close names. I am XXXX XXXX XXXX and my father is XXXX XXXX XXXX. This debt collecter kept calling so i answered to see who it was. When I answered they never explained who they where or from they just asked is XXXX therre. I told them yes because that is my name. These people then never had me verifiy who I truly was and started giving me personal information from my dad like is SSN address and birthday. Then they started to tell me the debt that was owed. I stopped them and told them they had the wrong XXXX as this was my dad that they wanted to talk to and that they broke federal law by never verifying who i was except my first name. This is wrong in so many waysand needs to be addressed asif I was a complete stranger, they would have given my dads personal information out to them as thre are thousands of XXXX in this world. I do not know how they got my phone number either as the number they called me on is a new number I have not had long. This needs to be addressed and stopped. They keep caling my number even after I told them they have the wronge XXXX. 

Halsted Financial Services XXXX XXXX XXXX XXXX, Il XXXX ( XXXX ) XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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)

These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report. 

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, Transunion, and XXXX to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # 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 to include their verbal agreement to remove these items. 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 2019-01-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (WI)

To whom it may concern : Americollect has been a long term collection agency that holds several medical negative accounts on my credit report. They have issued a judgement that had been documented with the clerk of courts, however they wish to garnish my wages from a company entity that I do not work for. In addition, I have attempted to pay my lowest amount by providing payment as well as filing number. I wish to see confirmed invoices and amounts due to the original creditor ( XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, and XXXX   XXXX  XXXX XXXX ) being under investigation for inaccurate billing procedures and duplicate invoices. If americollect purchased said invocies from these original creditors I wish to have all unpaid or delinqant accounts formally verified and documented via written disclosure in case of further dispute efforts. I will copy this complaint and mail to americollect for communication purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

After many attempts contacting Jefferson Capital Systems , LLC, at XXXX, regarding my Identification being stolen. I have yet to get any resolution. 
I spoke with XXXX XXXX employed with Jefferson Capital Systems , LLC  on XX/XX/XXXX, via email ( XXXX ). 
I asked, XXXX XXXX to give me an update regarding a Identity Fraud account listed in my name. Jefferson Capital Systems , LLC is currently Garnishing my wages after I explained, Jefferson Capital Systems , LLC on several occasions that this account was created without my permission. 
I have an email where XXXX XXXX confirmed recieving my Identity Theft packet filled back on XXXX, XXXX & has blame the law office of XXXX XXXX XXXX for delaying cancelation of my wages being garnished. This has been extremely frustrating. Jefferson Capital Systems , LLC has continued my wage Garnishment through my Employer due to greed. Please help me stop this Collection Agency, Jefferson Capital Systems , LLC stop the wage Garnishment & immediately refund all monies thats been Garnished. This has affected my mental health badly. Help.
Consumer complaint received 2023-12-22
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CO)

My student loan account has been placed in Forbearance. I did not ask for forbearance and I have repeatedly requested that the forbearance be removed so that I can resume making payments and have those payments counted towards XXXX. 

My previous loan servicer ( XXXX ) placed my XXXX payment loans into an unsolicited forebearance in 2017 when I filed bankruptcy and then turned around and refused to update payment counts for an entire year, PROLONGING the life of the loans that would have been forgiven under the XXXX program. 

I find myself in nearly the same position with Mohela today, and, after the XXXX XXXX and XXXX hour call to them, I am here again to file a formal complaint