davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-31
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. (DE)

This item XXXX XXXX ACCT # XXXX is inaccurate and I am requesting that XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX have the item removed and deleted from my credit report. 
This item XXXXXXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXXXXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX XXXX  have the item removed and deleted from my credit report. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established since the account was sold to another company and I am requesting that XXXX XXXX have the item removed and deleted from my credit report. 
This item DEPT OF THE TREASURY ACCT # XXXX is inaccurate and its credibility must be established because I do not know what this cost is, I wrote a letter to the company to establish credibility but the address on the account is incorrect and I am requesting that the Department send me an interpretation or have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXXXXXX # XXXX is inaccurate and its credibility must be established because I have fully paid and I am requesting that XXXX XXXX XXXXXXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX  ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX  have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX XXXXXXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX have the item removed and deleted from my credit report. 
This item XXXX  ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX who is no longer handling this account have the item removed and deleted from my credit report. 
This item XXXX XXXX # XXXX is inaccurate and its credibility must be established because I have no information about this account and the collections company is very abusive and threatening and I am requesting that XXXX XXXX have the item removed and deleted from my credit report
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that 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 is not information relating to any transaction by the consumer. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter regarding inaccuracies like inquiries and accounts which are unknown to me on my credit report, and I have not received a response from some bureaus, and it has been over 30 days since my complaint and others took more than 30 days for a response. I strongly feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and since it has been over 30 days so they should be deleted promptly. I demand these accounts and inquiries to be deleted immediately or I will file for litigation due to the stress you have cause me the stress has resulted in XXXX XXXX XXXX, XXXX XXXX and other conditions resulted from stress, the fact that you XXXX, TransUnion and XXXX are not respecting my rights as a federally protected consumer has heavily and negatively impacted the fair opportunity to secure any credit lines and or loans with a fair interest rate for my well-being and my children. I am a single mother of a XXXX and XXXX and these inaccuracies have prevented me unfairly to acquire a home and a car to provide my children a safe place to live and a reliable vehicle to transport them to school. My information was also impacted by TransUnion, XXXX, and XXXX data breach and it may have got into the hands of the wrong person. I repeat this is misleading in such a way and to such an extent that it has adversely affected credit decisions.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables # 1XXXX*****XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2022-10-31
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that Equifax is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate the inquriy from XXXX XXXX XXXX XXXX that is showing XX/XX/22, furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that 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 is not information relating to any transaction by the consumer. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}
Consumer complaint received 2018-02-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17
Consumer complaint received 2022-01-31
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. (FL)

From XXXX to now I have been in contact with XXXX XXXX XXXX XXXX letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in XXXX  and they vowed to help me but as soon as I left the military in XXXX XXXX XXXX XXXX XXXX repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with XXXX XXXX for almost 20 years and to get this type treatment is unsat.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (NJ)

I pay SallieMae monthly for a personal loan through my banks bill pay on time. I do not wish to have the company automatically deducted from my account for personal reasons. My bank deducts and sends them the money. About 3 months ago SallieMae started calling me everyday until the payment was received and telling me they did not receive the payment. I called my bank and disclosed the payment was never received and the bank conferenced called SallieMae to get them to waive any outstanding late fees. My bank, XXXX XXXX XXXX  said this company does not have an electronic agreement with Salliemae. They send a check to SallieMae. The problem lies in the fact that they would call me several times a day for several days even after the conference call with the bank and annoy me regarding my payment. This has gone on for several months after telling them I spoke to someone about this. I have finally blocked as many of their numbers as I can. They have now resorted to sending emails. I have finally learned that they have several addresses to which one can get a check to them faster. I find this whole experience incredible since all of their transactions are paperless, and yet they do not have some type of electronic transfer for payment with a major bank. I almost believe this is deliberate so they can tack on more interest and late fees.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My purse was stolen in a nightclub in 2019, since the incident I have noticed someone attempting to access lines of credit in my name. I recently pulled a copy of my credit report and noticed accounts that I have not authorized, nor do I even have any affiliated with being reported on my credit report. I have contacted the Credit Bureaus to get this resolved also requesting method of verification without a formal response.

I have the right to privacy and I have not given any written consent for this information to be placed on my credit report. Doing so is in violation of 15 USC 1681B I thoroughly researched these accounts, and furnishing accounts to my profile in direct result of identity theft is in violation of 15 USC 1681 C-2 I noticed a slew of addresses being placed on my profile where I have never resided. I requested for the credit bureaus to remove the previous addresses to prevent any fraudulent information from being placed on my credit report.
Consumer complaint received 2022-10-31
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)

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 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

My credit card had an interest rate of 8 % in XX/XX/2011. I made a mistake and paid 1 day late, so Citi jacked up the rate to the penalty apr of 29.99 %. Under the law they were supposed to only keep the penalty rate for 6 months if i made 6 months of on time payments. I have never had another late payment. They never reduced the rate back. I have repeatedly requested that they change the rate, but now they claim that the 29.99 % is the cards normal rate, which is a lie. I have the statements showing the original rate and when it changed to the penalty rate. Last month the did reduce the rate to 24.99 % but nothing near the original 8 % and that was 7 years later. they have never offered a credit or refund for the period where by law the interest rate should not have been 29.99 % over 7 years of overcharged interest. Again they did not follow the law and continue to lie about it, even if I get nothing, they should be held accountable for breaking the fair act.