davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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)

Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. 
Inaccurate names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
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. (AL)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 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 2024-04-10
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)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

the credit bureaus are not reporting the same information about accounts listed on my credit report. 
XXXX shows my XXXX XXXX XXXX XXXX account has an different monthly payment and balance then is listed Tranunion and XXXX. 

XXXX reports on my XXXX XXXX XXXX XXXX XXXX that it is open and that consumer pays as agreed. Transunion and XXXX  reports this account as closed and delequint. 

XXXX reports a different balance on my XXXX XXXX XXXX, then the other XXXX reporting agencies. 

transunion reports dept. of ed/XXXX  as a closed account the other XXXX reports it as opened.
Consumer complaint received 2024-04-10
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. (MD)

On XX/XX/XXXX via Certified Mail XXXX. XXXX I submitted to XXXX XXXX XXXX i exercised my right to Privacy via 15 USC 6802.

12 CFR 1016.7 also expresses my rights to OPT OUT of any information I choose as a consumer with rights to Privacy per the Privacy act of 1974 and the listed USC codes within this complaint. 
XXXX XXXX, XXXX responded and has chosen to deny my rights I've exercised per 15 USC 6802 and CFR 1016.7 as I have written a letter to do this because they have 12 CFR 1016.7 ( iii ) Unreasonable opt out means. Nonetheless my rights were exercised and negligence by XXXX XXXX, XXXX, XXXX, and TransUnion are all apparent. 

Within another complaint made with CFPB regarding this situation regarding my right to opt out, XXXX has honored my request. Their reinvestigation concluded and have fullfilled my opt out request after they said to have reached out to the furnisher " XXXX XXXX, NA. '' What reason is there that XXXX reached out to XXXX XXXXXXXX, NA and honored my request but TRANSUNION and XXXX have not. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, NA has been notified of my OPT OUT. I have revoked their power to disclose my personal information. 
THE CFPB has a duty to enforce per 15 U.S. Code 6805. THE CFPB is aware of the negligence XXXX XXXX XXXX, TRANSUNION, AND XXXX are all committing. evident. 

Any and all consent to XXXX, TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked in regard to any/all accounts pertaining to XXXX XXXX, XXXX. 

Consumer Protection Finance Bureau ( CFPB ) must enforce my rights to OPT OUT being exercised per 12 CFR 1016.7 ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( i ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2023-05-09
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. (CA)

This is my FURTHER request that I dispute particular records on my credit file that do not belong to me, that I have signed any agreement, or that I have been the victim of identity theft and that no one appears to care. The data I'm disputing has nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. The following INCORRECT ADDRESSES should be removed. 
XXXX XXXX XXXX XXXX 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

To Whom It May Concern ; My complaint is regarding an account which Southwest Collections Services Inc in the City of XXXX California claims I owe {$3200.00} which is false.and the amount keeps increasing monthly. It is currently {$3200.00} as of XXXX I have written them on several occasions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( 15 U.S.C. - 1681 et esq ), and California 's Consumer Credit Statues and subtitle D of the ARRA, SEC. 13401. Application of Security Provisions and Penalties to Business Associates of Covered Entities ; and SEC. 13407 ( 1 ) Breach of Security along with the corresponding local state laws. Please also note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.

Each month for the last several years Southwest Collections Services increases the amount they alleged i owe them and show no proof of a contractual obligation or instrument bearing my signature and i have advised them not to take action reporting to XXXX, XXXX and XXXX and they did and currently report to the bureaus. 

I also believe Southwest Collections Services is in HIPPA violation disclosing medical records in the State of California.

Medical Privacy Statues and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. 

I am requesting assistance in having this erroneous information deleted and further requesting assistance in how to properly pursue the matter in my local venue of law. 

Please advise and thank you. 

Sincerely, XXXX
Consumer complaint received 2018-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (NV)

I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX  tried to call XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX XXXX a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2024-04-10
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. (CT)

I checked my credit report and notice I have XXXX inquiries that I didnt get any notification for I have a fraud alert on file Im suppose to be notify when my credit is being run or used and I have not been notified to identify my identity, most of which are duplicate inquiry that shouldnt even be there the only pull I should have is from XX/XX/2024 that I did myself and even on that date I was yet to be notify with a fraud alert on my file I want my inquiries removed I try calling every day and Im told do to a current dispute I cant do anything with my credit please remove immediately
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-04-10
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)

I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I opened a XXXX XXXX Department store card 19 years ago on XX/XX/XXXX. I am XXXX years old and for 19 years, my account has always been on time. Around 13 years on XX/XX/XXXX, XXXX 's automatically opened an XXXX account in my name. These 2 different accounts are both in the same physical card and apparently both managed by the same online account. I registered for Auto-Pay for my account so that there would never be a problem. I spoke to XXXX XXXX and verified that Auto-Pay was setup. However, for some reason in XX/XX/XXXX, XXXX XXXX hit me with a late payment status for the store account but not for my XXXX. This is not right. XXXX XXXX has created a very complicated system that is unfair to consumers and I would like my credit report corrected.
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

I have bought 3 Air line tickets by Discover card, from Travel Agency called XXXX XXXX XXXX XXXX XXXX/ travel on XXXX/XX/XX/2018 from NY/XXXX/XXXX and return on XX/XX/2018 XXXX/New York. Suddenly I found that the return ticket has been canceled so, I called XXXX XXXX, they advised that the travel agency cancelled it, however, I didn't request to cancel it and I didn't give the travel agency the permission to cancel it so, I called discover to dispute the amount {$2000.00}, I waited them over month and I sent to them that the merchant has cancelled my tickets, he stated to US department of state that he cancelled the tickets so, what happened is XXXX got refund from XXXX XXXX + the amount that I paid for them. and from my side I paid extra {$900.00} to fix the ticket and I paid another {$1500.00} for a new ticket. so, total paid for the tickets {$2000.00} + {$900.00} + {$1500.00}.
Consumer complaint received 2023-06-23
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

They charged me fees for my debit card and credit card every month even if i pay my payment at the time or not they still charge me, and always my credit card limit always, and I talked to them about it and theyre not make any sense and justified
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-04-10
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. (AZ)

please provide proof that these account belongs to me and if they cant prove that they are mine please remove accounts.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. XXXX and transunion should not be reporting my information to other furnishers knowing the information is false. this false information should not be shared. plus i am asking for these accounts to be proven that they are mine with original documents
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

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.