davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-18
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. (FL)

i have a XXXX XXXX rewards card on XX/XX/XXXX i made a payment of {$100.00} for XXXX payment. On XX/XX/XXXX i made an payment of {$1000.00} for XXXX 's payment with a due date of XX/XX/XXXX. On XX/XX/XXXX i mad a {$300.00} payment for XXXX 's payment. less than five days after the XX/XX/XXXX due date. So i was very surprised when i found out that XXXX card reported that missed XXXX 's payment because the payment was made on XX/XX/XXXX and not after XX/XX/XXXX which would actually make my payment late and being charged a late fee. after contacting XXXX card their response that i paid before XX/XX/XXXX so my payment was allocated as an additional XXXX payment instead of the XXXX payment in which was actually paid for. How can i make on time payments when i have to wait until after the due date for them to count as an payment for that month. I have continued to make my payments in this same manner and have not had problems with any other creditor including XXXX. so now XXXX cars say i was late 30-59 days for XXXX since i made my payment after XX/XX/XXXX. Looks like the rules on allocation change from day to day and month to month. After showing payment proof to credit reporting agencies no changes have been made and my credit score is still reflects a 60-70 point drop because of this very bad case of inaccurate reporting i this killed my chance of home ownership a year ago. today the interest rates continue to rise along with home values as well. this has been and is proven still to be a very costly action against me on the behalf of XXXX 's false reporting 0f a 30-59 day missed payment. If not for that would i have an perfect payment history. and i should still.if you research my credit report and their correspondence you can see the how they made changes to cover up their mistake
Consumer complaint received 2023-12-05
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. (TN)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$14000.00}.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Pursuant to the Fair Credit Reporting Act ( FCRA ), this letter is a formal request to correct inaccurate information contained in my credit file. The items listed below are incomplete and misleading. I requested proof of late payments through letter in XXXX XXXX XXXX no proof was given by credit company.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Pursuant to the Fair Credit Reporting Act ( FCRA ), this letter is a formal request to correct inaccurate information contained in my credit file. The items listed below are incomplete and misleading. I requested proof of late payments through letter in XXXX XXXX XXXX no proof was given by credit company.
Consumer complaint received 2018-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Services Association (TX)

Hello, I have tried to resolve this issue with CREDIT BUREAU SERVICES in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all XXXX CRA 's.
Consumer complaint received 2024-04-15
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-05
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. (MI)

Dear Transunion To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2018-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NC)

This company Hunter Warfield has been reporting a debt that they say that I owe for appx XXXX from I found this out around XXXX of this year ... I sent them a copy of my current lease on XX/XX/2018 along with a copy of my utility bill and other information and a copy of a signed affidavit of identity theft .... I requested that they remove this from their files permanently and delete it from all of the credit bureaus they have reported it too. I included a copy of a letter requesting an investigation of the information that they have according to section 623 et. seq. of the fcra and that was on XX/XX/2018 I have since not received any of that information and they continue to report this after I have provided them information that I was never at that address ... at this point as I understand it they have violated the fcra and this is my last effort before securing legal representation on this matter. as I understand that this is from a rental of a property that I do not live .... I have also provided this company with as much information as I can regarding my identity being stolen and the fraudulent addresses accounts, including utility, insurance etc ... that were fraudulently opened .... accounts and addresses that just came out of the blue ...
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to the credit report act.this creditor is violating my rights under XXXX5USC1681 section 602 states I have the rights to privacy 15USC1681 section on 6048 section 2 it also states a consumer report agency can not furnish an account without my written instructions, under 15USC166B a creditor may not threaten a payment or a credit card account, under all open a consumer credit plan as late by any purpose.
Consumer complaint received 2018-11-18
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: Experian Information Solutions Inc. (AZ)

I was a victim of identity theft and someone unknown to me opened this loan without my knowledge. As soon as I was aware I tried to reach out to them but they would hang up on me or refused to work with me. I then reached out to the credit bureaus and they instructed me to open up a police report to document the identity theft and to submit in writing to the credit bureaus so they could conduct an investigation. I've now disputed this fraudulent account 3 times and Experian is the only one who will still not remove the fraudulent account. Experian has all my documents which are a FTC report AND a police report and they still will not remove the account, it's really hurting my score and I'd like to get a house really soon, please help me. ( I can provide the police report and ftc if needed, but Experian has all these documents already )
Consumer complaint received 2018-11-18
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: Experian Information Solutions Inc. (PA)

Requested for Experian to prove the validity of some accounts on my credit report due to identity theft with the irs they have refused to send verifiable proof such as a contract from these accounts everything is just verified XX/XX/2018 end of the investigation and wont reinvestigate and refuses to show me proof this debt belongs to me I need help. I have had some of the account removed from my XXXX  and XXXX that where unable to be verified but Experian wont look into this.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I paid off my XXXX XXXXXXXX on XX/XX/XXXX of XXXX. On XX/XX/XXXX I received an email from XXXX  around XXXX stating they needed to receive a payment of {$1100.00} before XXXX XXXX XXXX  or they would report a 30 day late to my credit report. 

On XX/XX/ around XXXX XXXX I received an email from XXXX stating thank you for your payment of {$57000.00} which was made on XXXX XXXX XXXX 

Since my payment was received prior to XX/XX/XXXX no delinquency should have been reported per their email. Attached please find both emails.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: FinCo Services Inc DBA Current (MO)

With me being a current victim of Identity Theft/ Fraud and populating the required reports to support my dispute claim. A denial and termination of membership with Financial Institutions was immediately enforced.
Consumer complaint received 2023-12-05
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. (MO)

Transunion, XXXX and XXXX are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )
Consumer complaint received 2023-12-05
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. (NJ)

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 2023-12-05
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
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. (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.

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 XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
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. (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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I like to file a dispute for fraudulent items liste on my credit report. I did not give permission for anyone to use my identity and I never signed up for these two items. The items are as follows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Also filing a dispute for inquiries that i never gave for permissible purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number IS XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed this problem multiple times with the company and they still wont fix the problem.

I am a natural person, I am a living human being, I have rights under 15 USC 1681. TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. Inquiries
Consumer complaint received 2023-12-05
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALPHA MIDCO INC (TX)

This company is reporting that they hold an account I am delinquent on that is in collections. The originator was a medical professional. I am a XXXX veteran and I only use the XXXX  XXXX and would not have a medical bill. I disputed this through a credit bureau and XXXX XXXX XXXX changed the originator. I disputed the collection again through the credit bureau and XXXX XXXX XXXX. verified that my dispute was accurate but then updated the report to show that the collection was delinquent again. At this point, I feel this company is harassing me through inaccurate credit reporting.