davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting 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. (FL)

I am writing to request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. These inquiries have negatively impacted my credit score and financial standing. 

Below are the details of the unauthorized inquiries : Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : N/A Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : N/A Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : N/A  Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : N/A I have not applied for credit with the aforementioned creditors or authorized anyone else to inquire on my behalf. These unauthorized inquiries are inaccurate and unjustly affecting my creditworthiness. 

I kindly request that these inquiries be promptly investigated and removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

Enclosed are copies of documents supporting my identity, such as a driver 's license, passport, or utility bill, as well as any additional information you may require to assist with this investigation. 

Please provide a written response confirming the removal of these unauthorized inquiries from my credit report as soon as possible. Additionally, I request that you send an updated copy of my credit report reflecting the removal of these inquiries. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In reviewing my Transunion credit report I discovered an inquiry from XXXX XXXX XXXX on XX/XX/23 XXXXI have never applied for any credit or service from this company. I called them directly and ask what the inquiry was for and was told they do not have any record of me making application to this company. I asked this inquiry be removed from my Transunion credit history and any other agencies that they use.
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (FL)

Paid off mortage electronically. Can see it on line. Company keeps making excuses why they can not send off a pay off letter. Paid off XX/XX/XXXX. Then they said we owe {$1.00} more. so it was sent in electronically on XXXX XXXX. Now they they recievec that money and tell us the money is in a suspense account. Not sure when they can send a letter off. Company name is PHH Mortage services XXXX XXXX XXXX XXXX XXXX NJ. XXXX
Consumer complaint received 2024-02-06
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. (CA)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-07-01
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)

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Consumer complaint received 2020-07-01
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. (OH)

This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2020-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX {$450.00} was returned to our escrow account Taxes should have only been paid once in XXXX for {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8400.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} Taxes should have only been paid once in XXXX for {$8000.00} It wasn't until XX/XX/XXXX that we discovered Amerihome had sent additional payments from our escrow account to pay our taxes erroneously. Amerihome 's error caused a $ XXXX shortage in our escrow which made our XXXX payment go from $ XXXX/mo to $ XXXX/mo.  They refused to take a payment for our normal monthly payment stating they can only take a payment for what their system shows is due, which has caused our account to go past due. We have spent the last 4 months trying to get Amerihome to correct their error with little resolution. When we call in we get told incorrect information and transferred from department to department. We're told that things will take a certain number of days to complete, but end up taking longer and only after we've called in again to get an update on the situation. We've had to write 3 letters so far pertaining to issues that we dispute and need to be fixed or removed. It has taken Amerihome 4 months so far to address the problem with our escrow that we had figured out within a day what was wrong and what needed to be done to resolve it. We fear this will continue for at least another couple of months as they muttle through passing the buck from department to department.
Consumer complaint received 2024-02-06
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. (LA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-06
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. (IL)

XXXX XXXX XXXX / XXXX Unauthorized use of my credit. 
Violation of U.S.C. 1681b. 

Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. 

My name is not and never was XXXX which is associated with this fraudulent account. 
I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. 
The anccount obtained and the information published on my report regarding this information is an act of Identity theft. 

This is a notice of Identity theft! 
Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.
Consumer complaint received 2024-02-06
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. (FL)

I would like to get XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX XXXX  acct # XXXXXXXX XXXX XXXX  acct # XXXX late payment markings since each late payment marks are inaccurate each credit bureau based of months. on Transunion it's reported i was late XX/XX/XXXX, XXXX and XX/XX/XXXX however it is not accurate. 
XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX bank acct # XXXX
Consumer complaint received 2020-07-01
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)

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.
Consumer complaint received 2019-05-23
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: National Credit Systems,Inc. (RI)

National Credit systems is reporting erroneous information to XXXX   Credit bureau and XXXX. I have submitted a complaint before about a month or two ago and they sent responded through CFPB with an affidavit for ID theft. ALL THE CREDIT BUREUAS AND them have copies of my ID theft and police reports. I do not understand how a company can continually report false information damaging someones financials with no repercussions.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (OH)

Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. information from my consumer file. 

Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-07-01
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. (TX)

I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.
Consumer complaint received 2024-02-06
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. (VA)

Subject : Formal Dispute and Urgent Request for Validation of Accounts Dear Sir/Madam, I am writing to formally dispute the validation of several accounts listed on my credit report by XXXX XXXX XXXX and XXXX XXXX. Upon reviewing my credit report, I have identified discrepancies and inaccuracies in the reported accounts, compelling me to seek your intervention and request thorough validation of these accounts.

Account Information : XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$2300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$2300.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$1400.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX Account Number : XXXX Recent Balance : {$660.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$660.00} past due as of XX/XX/XXXX. 

I dispute the validity of these accounts based on the following grounds : Lack of Proper Validation : Despite my previous dispute attempts, the accounts in question have not been adequately validated by the reporting agencies. I request comprehensive validation of these accounts, including but not limited to verification of the account numbers provided. 

Unclear Documentation : The documentation provided thus far regarding these accounts has been insufficient and vague. I request clear and detailed documentation that unequivocally proves the validity of these accounts, including account statements, agreements, and transaction history. 

Discrepancies in Reporting : The reported account information contains discrepancies and inconsistencies that cast doubt on the accuracy and legitimacy of these accounts. I request clarification and validation of all reported details, including account numbers, balances, and dates opened.

I demand an immediate and thorough validation process to ensure the accuracy and integrity of my credit report. Failure to provide adequate validation will result in the removal of these accounts from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

I expect written confirmation of the validation process and a detailed report of the findings. Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this dispute swiftly and fairly.
Consumer complaint received 2020-07-01
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. (OH)

This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.
Consumer complaint received 2024-02-06
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. (CA)

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX, XXXX which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. Details of the disputed account are as follows : Account Name : XXXX XXXX XXXX Collection {$3000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX  or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. Please provide the following information : A copy of the original signed agreement or contract. A detailed account statement showing all charges, payments, and adjustments. Proof of the assignment or sale of this debt, if applicable. Any other relevant documentation that can validate this debt. If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. Thank you for your cooperation. Sincerely,
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: ARVEST BANK GROUP, INC. (CA)

XX/XX/2020 XXXX XXXX was transferd out of my banking account. 
XX/XX/2020 Money orders and checks including wire transfers and banking accounts were made. 

XX/XX/2020 numerous police reports were made and my alarm was sounded, and police were sent out to house, no one was found however we did find footage on our security camera.. my debit card was stolen and immediately after large amounts of cash from our banking account came up missing. 

Six months later another inheritance was found and retrieved and chased with out my knowing by my father XXXX XXXX