davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.
Consumer complaint received 2022-06-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-14
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Consumer complaint received 2018-04-24
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. (NC)

I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I used Paypal to make a {$.00} XXXX time transaction with a company named XXXX. I was offered a monthly subscription for {$24.00} but declined in lieu of paying {$.00} for a single transaction. 

On XX/XX/XXXX and again on XX/XX/XXXX my credit card was charged a {$24.00} subscription via Paypal. On XX/XX/XXXX I contacted Paypal ; they reversed the XXXX charge the same day ( XX/XX/XXXX ) but did nothing for the XXXX charge. I then contacted my credit card and they opened a dispute for the XXXX charge. Paypal responded that they had reversed the charge on XX/XX/XXXX. I called the credit card and explained that they reversed the XX/XX/XXXX charge not the XX/XX/XXXX charge. They re-opened my dispute and eventually ruled in my favor. However, on XX/XX/XXXX Paypal has created a negative balance against my account for the {$24.00} stating that the XXXX charge was ruled in favor on the merchant even though they are referring to the XX/XX/XXXX reversal. 

Paypal provided erroneous information to my XXXX dispute by stating that I had already had that charge reversed. The only charge that was reversed by Paypal was the XXXX charge NOT the XXXX charge. They will also argue that the charge back from my credit card was for XXXX, not XXXX. This whole disagreement is rooted in Paypal providing a incorrect response to my initial credit card dispute for the XXXX charge
Consumer complaint received 2022-06-14
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. (GA)

On XX/XX/XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per Equifax. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. I never in my life had an account with sprint. In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-20
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. (AZ)

Experian has failed to verify this account with the original signed contract with my signature date and name. They have not verified so it has to be deleted immediately by law. 

Account name XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-06-11
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. (AR)

XXXX XXXX was closed out from Bankruptcy has {$0.00} balance** XXXX XXXX XXXX is still showing from XX/XX/2013 past ( 7 ) years**** XXXX XXXX  XXXX was paid off in full and still showing on my credit report***** XXXX 's is still showing on my credit report closed out in XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my credit report closed out XX/XX/XXXX, XXXX Bankruptcy was dismissed Chapter XXXX ****
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (OH)

The Money Source keeps saying that the home was not discharged in XXXX XXXX which it was per the XXXX Discharge and The Money Source own attorney sent me back a letter stating such. 

Everything is attached plus the letter from their attorney I received today.
Consumer complaint received 2020-01-31
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: EQUIFAX, INC. (WA)

I am writing to report a violation under the FCRA. Equifax is reporting an unverifiable item. I am demanding this item to be removed from my credit report. 

If Equifax fails to remove this item from my credit report, I will not hesitate on filing suit. I am giving Equifax the chance to solve this through the CFPB portal. 

I am aware that reporting an unverifiable item violates the Free Credit Reporting Act and that it can be taken to court. I give Equifax 30 days to remove the item and send me a deletion letter for my records. 

Thanks to whomever reads my complaint. 

See documents attached.
Consumer complaint received 2018-04-24
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. (CA)

To whom it may concern ; I have been a victim of identity theft for quite some time now and continue to struggle with some information that is still continuing to report as mine. Additionally, I have been contacted by XXXX on two occasions over the past 6 months letting me know that they suspected a breach of my identity this past Fall during their security breach. While I have had some success in removing and editing accounts, inquiries, collections etc., I continue to try and have these items removed to no avail. My understanding is that these individual creditors reporting to Experian must prove that these accounts are mine and yet I continue to be amazed that apparently anyone can say anything and it more or less stick to an innocent person 's credit file. I have challenged both Experian and the individual creditors that report to Experian to better verify to no avail. 

This more or less all started in XX/XX/XXXX and some continue even today. Additionally, I even had a collection account to which Experian already removed pop back up just this week. ( XXXX XXXX XXXX, balance {$9400.00}, reported on XX/XX/XXXX ). 

A common theme that I have noticed are two factors ; I seem to have multiple inquiries and collections from apartment communities that are represented by XXXX XXXX and alike. Also, the majority of these Fraudulent accounts were opened in the summer -XX/XX/XXXX. 

Additionally, I have only lived at ( 2 ) addresses with leases to which I honored and subsequently concluded since XX/XX/XXXX to present day ; - XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XX/XX/XXXX to Current ) I will be attaching a copy of these driver 's licenses accordingly that reflect these aforementioned addresses. I have not applied nor have lived at any other addresses within in other states during these timeframes. 

My expectation is that Experian will due their due diligence in helping me to rectify and remove the accounts that I am disputing as Fraud and or Identity Theft. 

Thank you kindly for your continued help with these matters.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX  ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-24
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: EQUIFAX, INC. (NC)

I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-03-30
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. (NC)

There are account 's and inquirys on my account that I did not authorize and there are also collections and late payments being reported that are inaccurate I have contacted experian XXXX and XXXX to dispute these items and give them my updated address and they hang up on me
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-14
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)

These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to My Landline Phone Account Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company or Organization XXXX XXXX XXXX  Account Number : XXXX Date fraud began:XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud began:XXXX  Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account Number XXXX XXXX Date fraud began:XXXX  Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization XXXX XXXX XXXX  Account Number XXXX XXXX Date fraud beganXXXX  Date that I discovered itXXXX Total fraudulent amount : {$1100.00}
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MS)

On XX/XX/XXXX. I was notified by XXXX of a collection item from Procollect , Inc for {$450.00} for a Utility Bill out of XXXX TX. This item does not belong to me, and I never lived in Texas. I begin to reach out to this company to have this item disputed and removed from my credit report, because it is fraudulent, but this company has been nothing but rude and disrespectful to me. I have tried contacting them numerous time and no one will help. They even tried to make me pay this debt when I explained multiply times it did not belong to me. Since then, I have started the Dispute process with XXXX and other Credit Bureaus as well filed a police report. This company address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. Phone Number XXXX. Please help me with the matter, so others won't have to experience this terrible treatment as well.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. ()

I live in XXXX. I was in XXXX TX. during the month of XX/XX/2018 for medical care by the VA. I went to XXXX and applied for their " senior plan, '' etc., for which I believed there was no contract. A hard inquiry was made on XX/XX/2018 and the plan, for which I thought had no contract, was approved. 

XXXX XXXX emails me for changes in my credit. I then noticed that a collection account was opened by Amsher Collections on XX/XX/2018 for {$100.00} as per XXXX. 

I called XXXX and spoke with a clerk and my account was checked, which stated that I owed {$100.00}. Also, I filed a dispute with XXXX or XXXX and the dispute returned in XXXX 's favor. 

My understanding was that there was not a contract that said that I had to pay a certain amount per month for their service and if I wanted to terminate the service to just stop paying each month.
Consumer complaint received 2018-04-24
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. (CA)

two issues that i have reached out to experian for and they have ignored and not resolved in over 6 months 1 ) they are reporting a negative account with XXXX XXXX credit card as closed with an outstanding balance. this account does not belong to me and was opened and used fraudulently, experian had removed this account as i have disputed it and had proper documentation and police reports and then i just checked my credit report an they have added this negative account back to my credit file. 

2 ) experian is reporting a best buy credit card i have as closed and the account is opened and has been opened. i have notified experian of this for over a year an sent documentation as well as had best buy call them to correctly update my account and they refuse to do so. this account is open and they are reporting is as closed and will not correct it.