davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (WI)

This is my 2ND endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-11
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$58.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have obtained my free credit report through the XXXX cite. After revising the information in depth. The XXXX on the XXXX report was incorrect. The addresses shown only XXXX were correct. Additionally, accounts that I have closed and paid off still list on the Accounts open, and also credit cards that are XXXX XXXX XXXX still reflect under Total Accounts. I show XXXX to XXXX accounts open which in incorrect.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX  is reporting that all payments have been delinquent for the year 2022. 
I have paid on time ( automatic payments from XX/XX/2022 to current.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is reporting that all payments have been delinquent for the year 2022. 
I have paid on time ( automatic payments from XX/XX/2022 to current.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

Equifax has RE-AGED the length of my credit history from 11 Years 3 Months to to only 4 Months. This practice has resulted a denial of credit, creditor stating specifically that it's because of the age ( 4-Months ) of credit history. I have attached evidence of my credit reports from all major credit reporting bureaus, including Equifax before they did RE-AGING of my credit history a month ago.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX, my credit score as reported by XXXXXXXX  on behalf of Transunion was XXXX. Today, my Transunion score dropped by 108 points to XXXX. The only reported change to my credit report was that a hard inquiry from two years ago had dropped off. There is no further explanation for the drop and hard inquiries being removed SHOULD reflect positively on the report. Transunion lacks transparency when reporting scores and with an over 100 point drop over night, you would assume they would provide explanation as to why the change occurred ... however, silence on Transunion 's end.
Consumer complaint received 2023-04-13
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. (NC)

It has come to my attention that XXXX XXXX is reporting information on my consumer report ( Equifax ) with out my consent. Pursuant to 15 U.S.C 6802 states that a financial institution may not directly or though any affiliate disclose to a nonaffiliate third party any personal information. XXXX XXXX is in violation of this code. I demand this item be deleted immediately or I will file a lawsuit for deformation of character and willful noncompliance.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2021, I mailed a dispute with XXXX and Experian to verify and there was inaccurate account information on my credit report. Both agency have fill to comply with the laws set in place when it come to updating me on the investigation. It have been will over 30 days.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (KY)

To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through Harley Davidson. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to Harley. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and Harley the original creditor. I have now filed disputes with XXXX XXXX XXXX 3 separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that Harley Davidson stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you
Consumer complaint received 2021-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services (CA)

On XX/XX/2017, I went to the XXXX XXXX XXXX XXXX XXXX Hospital in XXXX. I provided them my insurance information from XXXX XXXX XXXX XXXX XXXX XXXX ( we had just moved and our insurance was still active ). We paid the co-pay of {$250.00} and they billed insurance for the rest of the amount. 

The original total was {$1300.00}. 

For some reason, the insurance payment did not go through due to a coding error. XXXX XXXX XXXX XXXX XXXX resubmitted it, but before the payment was received by them from insurance, they had sold the debt to a collection agency. When it originally went on my credit report in 2017, I called them and they removed it from the collection agency ( it was too long ago for me to remember which one it was called ), and that collection agency removed it from all credit reports including XXXX, XXXX and XXXX. 

In early XXXX, I noticed on XXXX XXXX that I had a new collections added to my account and I saw it was for Sequoia Concepts Inc. I never recieved anything via USPS ( mail ), email, or a phone call to inform me of this debt being collected. They put it on my credit report before I had a chance to refute it with them and work it out on a three-way call with the hospital. 

When I called Sequoia Concepts INC and asked for them to send me proof of debt, while refuting it with them and doing a three-way call between them and the hospital, they told the hospital and myself they could not send a letter of proof, but that the debt had been sold to them and accrued over four years of interest on it, now making the balance {$1900.00}. They said my only option to get it removed from my credit report was to pay it in full. They refused to send proof, or agree to remove it at the request of the hospital. 

I have tried to dispute this with XXXX but they wanted me to file with the CFPB first because Sequoia Concepts INC just tell them it's valid. I'm left with no other option than to try to see if you guys can help me resolve this.
Consumer complaint received 2017-04-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: New Century Financial Services, Inc. (NJ)

Hi, The following complain disputing again New Century Financial Services , Inc. for NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, New Century Financial Services , Inc. Has damaged my name, and my credit. New Century Financial Services , Inc. has entered derogatory information into my credit file. 
After multiple attempts to contact New Century Financial Services , Inc., The Company is unresponsive to any of my inquiry. A request has been made for the company to provide validation of this debt. So far, the company has not comply with this and Fail to validate and removed items from credit report in total amount XXXX {$720.00} and XXXX {$430.00}. The current account is a false account which I 'm not responsible for.
Consumer complaint received 2023-01-25
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: CITIBANK, N.A. (FL)

CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXX XXXX  opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXX opened XXXX XXXX and closed as a XXXX XXXX in XXXX. 

CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 
XXXX XXXX  opened XXXX XXXX XXXX opened XXXX twice XXXXXXXX XXXX XXXX XXXX  XXXX CITI BANK CHECKING /SAVINGS XXXX XXXX XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-11-10
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. (TX)

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( TRANSUNION, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " XXXX  ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. TRANSUNION, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, TRANSUNION, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE. THIS IS THE THIRD TIME I'VE SUBMITTED A COMPLAINT, AND THE REPONSE I GET IS " YOU CAN NOT LOCATE MY CREDIT REPORT! '' THIS IS CLEARLY NEGLIGENCE.
Consumer complaint received 2023-02-02
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. (GA)

This collection account ( XXXX XXXX  ) is a fraudulent account, i dont recognize this account, I want it removed from my Equifax and XXXX reports, i have sued XXXX and won my case because XXXX has leaked all my personal information on the dark web, and my information was compromised, I have fraudulent accounts show up on my credit reports and I have been disputing these accounts constantly, I want this account deleted and blocked from my report, im tired of my name being used to open an accounts in my name, and please no fraud alert on my report thank you
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX : {$1500.00} I declare under the penalty of perjury ( under the law of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection/Chargeoff found within my credit report are punishable as perjury under. This collection/chargeoff found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-01-25
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. (TN)

On my TransUnion Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months due to inaccuracies and incompleteness. First, despite three certified validation letters to PRA, they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report? As for the TransUnion credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to TransUnion regarding inaccuracies and incompleteness requesting corrections and deletion of the account but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent TransUnion credit report ( Dated XX/XX/2023 ) as evidence of these FCRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine when this account will fall off the report. The report is also missing the Accounts Charge Off Amount, the Close Date and, unbelievably, the whole Payment History! All of these inaccuraces and incomplete reporting are FCRA violations.
Consumer complaint received 2023-11-04
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. (IL)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX