davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. XXXX XXXX XXXX XXXX # : XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  6. XXXX XXXX XXXX XXXX XXXXXXXX Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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 2018-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delmarva Collections, Inc. (MD)

I wrote Delmarva Collections a verification letter about a debt on my credit report and mailed it by certified mail on XX/XX/2018. I received in the mail yesterday a response with my original letter with the words written on it, " account #?? ". I do not know my account number. I thought sending my letter back with words written on it was very unprofessional. I am an consumer trying to get a debt collector to verify a debt that has been posted on my credit report.
Consumer complaint received 2021-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC (IN)

My XXXX app says my score is XXXX. I go to a dealer, who runs a score through Credco, and they send my score back as XXXX through XXXX. I go online and get my XXXX score from them at XXXX, AFTER the dealer ran 4 scores ( I told them 1 or 2 max ) I called Credco to find out the discrepancy. She says they use a FICO score 5 and that's sometimes harder. Sends me to XXXX, I paid {$35.00} or so to see my XXXX report there and it STILL says a score 5 is either XXXX XXXX. I understand that different types of loans look at different things to decide whether or not to lend you money, but if they are telling you to go here and use this score number and it isn't what they sent, something is wrong. It cost me a few extra hard hits on my credit and a couple of percentage points in interest! Plus the {$35.00} to still be confused!!!
Consumer complaint received 2023-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

attached is the CERTIFIED MAIL FROM USPS XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2022-12-08
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. (MO)

THIS IS NOT A DUPLICATE OR A COPY!! 
please read : There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES THAT ARE NOT MINE!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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. (CT)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX
Consumer complaint received 2022-10-24
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. (SC)

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 XXXXXXXX XXXX  XXXX : # XXXX XXXX Sc : # XXXX 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 XXXXXXXX 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 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 2022-12-08
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
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'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success.
Consumer complaint received 2023-08-17
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion in The past regarding items incorrect on my credit report. I have a family member who has the same last name and it appears these are his accounts on my reports. I have mistaken identity & I have been denied credit wrongfully, due to these errors. I would like for this information in this report to be updated and deleted immediately. According to FCRA 605B 15 USC 1681 you are required to block delete all info in 4 days related to identity theft or mistaken identity. I would like the fastest remedy and outcome to the matter. I have contacted an attorney & wish to handle & resolve this peacefully on my own first. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-31
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)

i have been trying to dispute this account with XXXX for a couple of months now, i tried to get information from XXXX  but they couldnt provide me with anything and the company calling me isnt the original creditor and couldnt provide me with any information on this account. I called the XXXX  and they were unable to help me everyone is giving me the run around. i have no relationship with XXXX  and never agreed to this alleged debt. this account with XXXX is a result of fraud please cease any attempt to collect this debt and please remove it from my credit report it is causing me extreme stress when they call me about an alleged debt that i did not agree to pay. please remove me from any call systems and please stop all attempts to collect on this fraudulent account.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

There are a couple items listed on my credit from this company which I have never been notified, they are unknown to me and I have health care coverage. These are false I need help I have disputed them with nothing being received. The accounts showing are as follows Commonwealth Financial XXXX {$880.00} Commonwealth Financial XXXX {$880.00} Again these are unknown and I have never done business with this company or any company for this amount of debt.
Consumer complaint received 2022-10-18
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. (MI)

I do not have an account with this creditor. Inaccurately reporting account is open. 


XXXX XXXX XXXX Last reported XX/XX/2022 {$680.00} Open balance
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$700.00} XXXX  XXXX Balance : {$700.00} XXXX XXXX Balance : {$700.00}
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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 2022-12-08
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. (TX)

Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for your response, but nothing has come through as of yet. The unverified items stated below continue to report on my credit report in violation of federal law notwithstanding the prior written request. Despite my best efforts to resolve the issue directly with the creditor, the credit bureaus continued to report unsubstantiated information in violation of the Fair Credit Reporting Act, 15 USC sections 1681i, and did so with intentional ignorance and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. Please take the following things away : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$100.00}
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I continue to face two issues with MOHELA that I can not get resolved. I have tried to call them at least a dozen times but never get any resolution and have only spoken to a representative once or twice and they can't figure out what is wrong with my account. Typically when I call the wait time is over an hour and I will request a call back but they never call back. My two main issues are as follows : 1 ) I am, and have been, enrolled in auto-debit but the loans do not reflect the .25 % reduction in interest rate and continue to accrue at the higher rate. I have sent MOHELA messages asking that they update my loans to reflect the proper rate and refund me for the unlawful accrual at the higher interest rate. 

2 ) The amount owed monthly vs. the amount that auto-debit withdraws vs. another amount MOHELA states I owe are all different amounts and I can not get a straight forward answer of how much my actual payment is each month. I have no idea if I am overpaying, underpaying, or paying the correct amount. In XXXX, the MOHELA account overview said I owed {$370.00} on XX/XX/24 but on the same page it says auto-debit will withdraw {$430.00} on XX/XX/24 ( I do not have auto-debit paying any extra per month so this amount should reflect my payment method ) and further down on the same page it says I owe $ XXXX. Currently the MOHELA account overview now says I owe {$300.00} on XX/XX/24, but it says auto-debit will withdraw {$430.00} on XX/XX/24, and again further down on the same page it says I owe $ XXXX. 

There is over {$100.00} difference between these numbers with no explanation as to what is the correct number and why there is a discrepancy. I have attempted to call MOHELA many times but the one time I talked with someone they said something was messed up with my account and to wait until the payment posted ( which I did ). I do not believe MOHELA is providing an accurate accounting because they are providing literally three different accountings of what is owed and can not articulate which one is correct.
Consumer complaint received 2023-01-08
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. (WI)

Over 2 months ago ( XX/XX/2022 ) I wrote a letter to Equifax advising them that were in violation of my HIPPA rights by reporting medical information that I did not authorize in the following amounts : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00} {$2400.00} {$1000.00} {$800.00} I have not heard back from them nor have they removed anything from my reports.