davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (SC)

I'm 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. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8600.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I am going over my credit files and trying to look into how there are unknown addresses on my file. I am having issues on my job as far as my insurance due to the addresses and zip codes that do not belong to me. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX there are cellphone numbers that do not belong to me either please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute several inaccurate items on my TransUnion credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The items I am disputing are not only inaccurate but also the result of identity theft, as evidenced by the extended fraud alert on my credit report. 

Disputed Items : XXXX Account # XXXX : The four late payments reported in XXXX, XXXX, XXXX, and XX/XX/XXXX are inaccurate and must be deleted under the FCRA 's maximum possible accuracy standard, 15 U.S.C. 1681e ( b ).

The late payments are also obsolete information
that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and the timing rules in TILA, 15 U.S.C. 1666b. 


XXXX XXXX XXXX Account # XXXX : The alleged late payment in XX/XX/XXXX is inaccurate and must be deleted under 15 U.S.C. 1681e ( b ). 

This late payment is also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and TILA, 15 U.S.C. 1666b.

Unauthorized Inquiries : The inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent and must be deleted as impermissible under 15 U.S.C. 1681b ( 2 ).

These inquiries are also the result of identity theft and must be blocked under 15 U.S.C. 1681c-2.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these disputes and delete the inaccurate information. I demand that TransUnion provide me with a detailed description of the verification procedure used, as required by 15 U.S.C. 1681i ( a ) ( 7 ).

TransUnion 's failure to comply with these FCRA provisions constitutes a willful violation under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, costs, and attorney fees. Each violation allows for {$1000.00} in statutory damages. 

I have suffered emotional distress, reputational harm, and lost credit opportunities as a result of TransUnion 's misconduct. I demand that TransUnion delete the inaccurate information within 5 business days and provide me with a copy of my updated credit report reflecting the deletions. 

Sincerely cc : Consumer Financial Protection Bureau Federal Trade Commission Illinois Attorney General
Consumer complaint received 2022-09-30
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-08
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. (CA)

My credit report is showing late payments on XXXX XXXX, XXXX XXXX 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 customer service representative.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (NY)

National Recovery Agency is contacting me via mail and TEXT ( at XXXX! ) regarding a XXXX XXXX account that was paid off XXXX ago. The previous agency that tried to collect on this account, this was taken off my credit report and I thought I was done with it, but obviously not
Consumer complaint received 2022-06-15
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. (LA)

I XXXX XXXX whom resides at XXXX XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer and has reached out to these companies XXXX times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. Here are the USPS XXXX # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (GA)

l 've recently pulled a copy of my credit report and noticed many errors being reported. This inaccurate reporting is causing my family and I to suffer both mentally and physically. I've lost job opportunities, denied reliable transportation and decent housing because of the items that are on my consumer report. 
I've recently taken the time to study the consumer laws under The Fair Credit Reporting Act and now understand that I have a right to accuracy in what the credit agencies report about me. I've contacted the XXXX, Experian and XXXX to notify them of these errors in a dispute letter. 
Experian has responded by saying they will no longer be working on the items I've disputed because they didn't feel as though it was me. This puts them in direct violation of 15 U.S Code 1681s-2 a ( 1 ) a which says : Reporting information with actual knowledge of errors 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. Please resolve your issues with correcting my report within the next 10 days or I will be filing a lawsuit due to this violation.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-09-30
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit. 

XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-02-12
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. (AR)

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. 

ALL ACCOUNTS & ALL INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights as follows : 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 an account without my written instructions which I have NOT provided. 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 person knows or has reasonable cause to believe that the information is inaccurate.

Any and ALL potentially negative or adverse reporting, as well as unverified and inaccurate information must be deleted from my credit report immediately. Remove these items listed at your earliest opportunity.
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

I paid with Care Credit to XXXX XXXX XXXX services. Unfortunately the work was done so that I am still suffering from it, and consider it as a malpractice. I am redoing it, and going for treatments. I sent all the paperwork to the Care Credit ; doctor 's notes, X rays, notes from another doctor, copy of a refund from XXXX XXXX XXXX, which they deposited and took it back. The letter where they said that they they would give me the money back, if I sign a release, which I did not want to do. 
I disputed these transactions twice. The first dispute they denied me, saying that XXXX XXXX sent it for the settlement to their insurance. The insurance denied the claim. I disputed the money second time, then Care Credit decided in the favor of XXXX XXXX XXXX explaining that I signed some 'legal ' papers. I have the copies of those papers, it is just a paper any dentist gives to a patient to sign before placing the crowns, like about side effect. The other paper was about placing the crowns, that you can not replace it after they placed. There was nothing sad about perforated crowns like in my case, or constant pain, or malpractice. This product is not a product or service which I can use at all! The same if you go to a store to buy something, and a product is damaged or broken. 
I contacted the CEO of Care Credit, then some lady left me a message with her number and extension, where nobody picks up the phone, I left numerous messages, nobody called me back. Totally I spent more than {$12.00} with no results. Is it normal that I have to pay for the perforated tooth, the crowns I had to redo, the root canals I had to redo. It is a huge money for me, I pay now almost % 30 on this loan. This is so unfair. I understand the bank is a financial institution, but they have to protect a customer at some extent at least. I have never had such a bad experience with other credit cards in such situations, especially this money is huge for me.
Consumer complaint received 2023-02-12
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. (AR)

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. 

ALL ACCOUNTS & ALL INQUIRES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights as follows : 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 an account without my written instructions which I have NOT provided. 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 person knows or has reasonable cause to believe that the information is inaccurate. Any and ALL potentially negative or adverse reporting, as well as unverified and inaccurate information must be
deleted from my credit report immediately. Remove these items listed at your earliest opportunity.
Consumer complaint received 2023-01-18
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. (TX)

I recently checked my credit and discovered 4 open accounts XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  collection. These accounts haven been open without my permission I have no relationship with any of these companies.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

Wells fargo Bank states there was a card in my name at the time i was trying to get my credit repaired from a identity theft that happen prior to finding out about this account with wells fargo. I was told the balance was {$130.00} .Since that was such a small amount i fiqured let me pay the {$130.00} so that this would be removed from my credit report. Not sure on the date but on my report it shows paid but its still showing a negative on my report .I would like to have wells fargo remove this from my credit report due to this is fruad.XXXX was a account that i had a secure card with .XXXX allowed some one who was not listed as a authorized user on my account to pay my XXXX bill and then when my card had charges that was fruad i file a dispute and XXXX wanted to make me pay for the charges that i filed a dispute with. XXXX XXXX XXXX XXXX was closed out because they did not clear my rent payment which caused me extra money for late fees with my property mangement. Its not true about the late fees XXXX XXXX XXXX XXXX had a problem with a late payment due to some issues with there system that didnt allow the payment to process.