davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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 complaint is because Im very worried and concerned about my investigation results. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Inaccurate/Invalidated Information/Identity theft : This account is not mine I did not authorize it. This account also has an inaccurate payment history across other credit reporting agencies. 

Account Name : Dept of EducationXXXX Account Number : XXXX Inaccurate/Invalidated Information/Identity theft : This account is not mine I did not authorize it. This account is not reported by the other crediting agencies and it was just reporting a {$14000.00} and it is now reporting a new balance increase of over {$300000.00}. This is in no way my account! 

The information for some reason is still incorrect and is wrong. I dont understand how they could have done a good job at investigating when the go some things. If the information was not mine and incorrect they were supposed to fix it according to 15USC1681i ( 5 ) ( A ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the info the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted form the file of the consumer. 

XXXX XXXX XXXX Account Number : XXXX This is not my account and should be blocked from my credit report also the following look to also be incorrect on that account [ Account type, Status, Balance Updated, Payment history ] Dept of EducationXXXX Account Number : XXXX This is not my account and should be blocked from my credit report also the following look to also be incorrect on that account [ Account Type, Status, Payment history, Last payment Date ] This account has already been removed by the other credit reporting agencies. per Accuracy and Completeness of Information 15 U.S. Code 1681e this account must be removed from my credit report.

Please remove this immediately its causing unwanted stress and its preventing me from getting my 1st first home.
Consumer complaint received 2023-04-20
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: 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 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 2023-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC (PA)

Atlantic Recovery Solutions, emailed me on XX/XX/2023, about an alleged debt, there is no address on the email, I need to have them validate the debt in question, I need to send them this in writing in the mail, they are showing numerous addresses on the internet, I was sick, my daughter called to get the address only, they refused to give it, they also contacted my ex husband about the alleged debt, which I believe is illegal, I need to mail important letter to have this debt validated and can not get the address Thank you
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I noticed I had a collection from XXXX XXXX XXXX. The amount was {$4900.00}. They seem to have purchased a debt from Capital One. Two months before this account was opened my apartment was burglarized and many things including my identity was stolen. I filed a police report and sent it to XXXX. They did not remove the account! Thie account doesn't belong to me. Please contact XXXX and have them remove the account. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (CA)

On XX/XX/2023 without authentication Discover Financial ran an unauthorized hard credit Inquiry. I didn't realize until I checked my credit report a couple months later and noticed an address XXXX XXXX XXXX XXXX XXXX XXXX FI, which has NEVER been or is NOT my address. I've never lived in Florida. In result of the fraudulent hard inquiry my credit score dropped XXXX points. I've attached a picture to support the fraudulent hard inquiry pull on my credit report, a picture to support unknown address on credit report, and a picture showing the XXXX points resulting of the fraudulent hard inquiry pull.
Consumer complaint received 2023-09-11
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.
Consumer complaint received 2022-12-06
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. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name My only social security number is XXXX My only correct date of birth is XX/XX/1993 My only employer is Southern XXXX XXXXXXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc. (MI)

XXXX XXXX at address XXXX XXXX XXXX never opened up a XXXX account. I have been a resident at this address for 20 years. This account was opened unauthorized by me. I filed fraud and submitted a police report regarding this account and it was removed from my credit. It reappeared in XXXX out of nowhere. Remove this item from my credit.
Consumer complaint received 2023-09-11
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. (TX)

I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open accounts on my credit reports with XXXX and Equifax. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. 

I have identified the following accounts on my credit reports with XXXX and Equifax that continue to be inaccurately reported as late openings : 1. XXXX XXXX XXXX XXXX Balance : {$4700.00} ; 2. XXXX XXXX XXXX XXXX Balance : {$4600.00}. 


I have previously disputed these inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. 

Despite my efforts, I have not received any meaningful response or resolution from XXXX and Equifax. The late open accounts remain unchanged on my credit reports, negatively affecting my credit score and my ability to secure new credit. 

I kindly request that you investigate the continued inaccuracies in reporting the opening dates of these accounts and take the necessary steps to correct them in both XXXX and Equifax credit reports. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections made in both XXXX and Equifax credit reports. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. 

Maintaining accurate credit reports is of paramount importance in determining my financial stability and credibility. I am deeply frustrated by the prolonged and unresolved nature of this issue and urge you to prioritize its resolution.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-09-11
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

Emailed tricon since XX/XX/XXXXregarding issues with bathtubs, wasps, roaches, black mold, windows cracking, urine smell in garage no one calling regarding environs notices that they kept threatening us with and we were late one month that XXXX XXXX XXXX paid and mailed the check they then tried to evict us XX/XX/XXXX and XX/XX/XXXX that was closed and then on XX/XX/23when I told them we were not resigning lease we got a knock on the door we had to leave or they would evict us I emailed XXXX and XXXX XXXX got on thei social media pages to try and speak to someone after hours I spoke to XXXX XXXX who said she would def this info that never was sent then 6 months later when we left they told us we owed $ XXXX XXXX where did this come from this is fraud and not one person spoke to us regarding any amount owed they are awful company in communication and they never call what kind of landlord is this ad a tenant we have rights to lucky comfortably and knowing our money is going to maintence when they didnt help I told them we are no longer revering and bam we were forced out
Consumer complaint received 2022-12-06
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MT)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX  XXXX. Please remove this account ASAP.
Consumer complaint received 2020-03-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio (CA)

I did a auto loan way back in XXXX and then defaulted in XXXX and I gave them the Truck in XXXX via voluntary repossession. They stated that I owed them {$12000.00} Since then they first sold the instrument to XXXX then XXXX sold the debt to another. I have done Verification of Claim in accordance with the FDCPA now the debt instrument is with XXXX XXXX XXXX and this company has a collections department that has been harassing me threatening to sue me when I have no contract with them. I warned them about the XXXX XXXX XXXX act and they still will not heed. They will not give me there name or address to where I can dispute the debt instrument and my imaginary contract with them but they keep calling to see if they can get a joinder. I had to back trace this debt all the way from XXXX XXXX to XXXX finally finding XXXX XXXX XXXX. I need some help they have very dangerous tactics and it is getting to worry me. This Debt Collection Company does not respect laws that I here to protect consumers