davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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 hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my accounts. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Consumer complaint received 2022-02-18
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. (MI)

I XXXX XXXX, ( XXXX ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH XXXX, TRANSUNION, XXXX WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (TX)

the ftc violation of XXXX was filed XXXX XXXX XXXX XXXX 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX/XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX of XXXX XX/XX/2020 2020
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2023-01-06
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. (KS)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (OH)

I had 3 late payments on XXXX XXXX XXXX  account, and 1 late payment from another source that occurred in 2018. However, these accounts were paid in full as soon as I became aware of their status. I am ALWAYS on time and pay in full. I carry only 3-4 % debt ratio, and have a habit of always paying on time. However, the credit rating I have been assigned by Experian is good. This is I feel a leveraged attempt by Experian to blackmail me into paying for Boost their product in which people pay them for an increase in their credit rating. This is extortion, this is a blatant conflict of interest, and this should be outlawed. Experian should be investigated and charges filed against them. I have sent numerous complaints to them about my suspiciously low credit rating and I have received no positive response. They either are : a ) trying to extort money from the public or b ) the markers that are used to ascertain an individuals credit rating are hopelessly deficient. I would like a full investigation into Experian and the methods in which I have arbitrarily received only a good rating.
Consumer complaint received 2023-01-06
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. (PA)

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 XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-04-07
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. (KY)

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-04-07
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$570.00} DEPEDXXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX/DEPT OF ED XXXX {$10000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2022-02-18
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. (NY)

Please be advised after careful review of my consumer report I have come across the following items on my consumer report. 
XXXXXXXX XXXX  Account # XXXX This account is currently reported as charged-off. 
This account exceeds the 600 dollar threshold, I was never sent a 1099c which is a CANCELATION OF DEBT which this account qualifies as realized earned income, which means the status of this account has changed. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete This account IMMEDIATELY Failure to respond satisfactorily with the above late payments deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX XXXX
Consumer complaint received 2016-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I APPLIED for a consolidation with FedLoan Servicing not knowing that I would be automatically enrolled. I found out that my loan had been consolidated from calling XXXX ( my previous loan servicer ) and they told me that FedLoan had bought out my account. I was never asked to confirm via signature whether I was sure I wanted to consolidate and if it was the best option for me. They have raised my interest rate since the consolidation and have sent my account into delinquency on multiple occasions even with me filling out the proper paperwork and providing them documentation for a forbearance. I was unemployed in XXXX and asked for an Economic Hardship forbearance which I was n't granted because I did not write the date on the physical form ( even though I had provided my termination letter from my employment ). They never inform me of the changes they make to my account and this is the second time they have placed a delinquency on my account even with me applying for a forebearance. I would like to get my account transferred back to XXXX and XXXX. I am praying you can help me resolve this and get out of this horrible engagement that I have with FedLoan Servicing.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc. (IL)

On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (IL)

I AM A VICTIM OF THE XXXX  XXXX XXXX AND XXXX XXXX BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO XXXX AND EXPERIAN WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE XXXX XXXX {$440.00} XXXX XXXX XXXX {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (IL)

I AM A VICTIM OF THE EQUIFAX XXXX XXXX AND XXXX DATA BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO EQUIFAX AND XXXX   WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE FALLS COLLECTIONS {$440.00} XXXX XXXX XXXX {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.
Consumer complaint received 2020-04-07
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. (PA)

Two years ago I received multiple notifications that my information was exposed in several mass data breaches such as the XXXX data breach and XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. This has made my life very difficult by this identity theft.
Consumer complaint received 2023-01-06
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. (TX)

I joined in XX/XX/2021 and I had to go though basically training. from the month of XXXX through XXXX I didn't have my phone because of basically. my wife at the time wasn't an authorize user was trying to make payment but credit card Company was declining her payment causing them to have me have missed payment for those months. I contacted transunion about this issue to remove because the credit card companys wasn't taking my wife payment. I sent transunion a letter on XX/XX/XXXX and they received it on XXXX XXXX and failed to remove the missed payment on my account they even closed the case and told me to retype the letter and open a new dispute. This is interfering with my life.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (TX)

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
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I mailed a Debt Validation ( 609 Letters ) dated XX/XX/2022 for verification of accounts listed under my name. This inaccurate information is giving a negative impact on my credit report. I also sent another letter for the method of validation. I have the right, Under FCRA that unverifiable accounts must be removed and it's been more than 30 days, I haven't received any response.
Consumer complaint received 2022-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MI)

I declare under penalty of perjury ( under laws of the united states, if executed outside of United states that the foregoing is true and correct to the best of y knowledge. Further more, i certify that i am entitled 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 that is punishable under 18 U.S.C. 1001. Additionally, these statements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that i made. I am alleging that some person or company used my personal information for goods, services, or money, and was successful in creating some accounts without my authorization. All is being investigated by the XXXX.
Consumer complaint received 2019-04-18
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: Lustig, Glaser & Wilson, P.C. (MA)

Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney Lustig, Glaser & Wilson PC. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts XXXX laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THEY PREVENTING ME FROM ACQUIRING NEW CREDIT AND I WOULD LIKE TO HAVE THEM REMOVE.