davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I never had this debt ... I have asked them to validate it multiple times and they won't ... They keep saying that they sent me debt validations, but haven't ... I asked them to email it to me, they said that they don't have access to email ... Said that they have never had email access ...
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credt. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possiblle. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX
Consumer complaint received 2024-02-06
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX XXXX : {$590.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX : {$220.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$450.00} XXXX BANK XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance {$450.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$1600.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

United Revenue Corp at XXXX XXXX XXXX XXXX XXXX Tx XXXX has been sending me collections notices Im the amount of {$6300.00} the collection has been reported as past due.I do not know this company.I have never done any business with this company.This company does not have a contract with my signature.
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. (PA)

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report.If XXXX does not have documentation to show these were in fact authorized it must XXXX removed XXXX company is liable under the SEC to follow certain rules. XXXX XXXX file number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing form 211 treasury omg forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2020-06-30
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. (CA)

I believe i am a victim of identity thief. In XXXX I had my identity stolen through XXXX  data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but XXXX  refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.
Consumer complaint received 2024-02-06
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : TransUnion, XXXX, XXXX Subject : Dispute the inaccurate name and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Erroneous/Inaccurate/fraudulent Account names and account numbers : 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 
This letter is a formal dispute and request for investigation under the Fair Credit Report Act ( FCRA ), 15 U.S. Code 1681 et seq.

1.15 USC 1681e ( b ) Accuracy of information/ This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i- Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 USC 1681C Disclosures of Consumer Reports. This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names, addresses, inquires and accounts do not contribute to the accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names, addresses, inquires and fraudulent accounts associated with my credit report, remove the inaccurate accounts and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. T Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint again to you today to inform you about this continuous reporting of fraudulent activity in my credit file. I visited the FEDERAL TRADE COMMISSION website : https : //www.ftc.gov and filed an identity theft report # XXXX, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information and fraudulent items that were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from a fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-06
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2020-05-12
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. (AL)

Duplicate reporting of various student loans. I am currently paying my student loans to XXXX yet information that I am not aware of or familiar with the amounts listed yet showing up multiple times my credit report. 

Bureau Name XXXX XXXX Original Loan Amount {$5000.00} {$6000.00} {$3500.00} {$9700.00} {$4500.00} Bureau Name XXXX XXXX XXXX XXXX - These items need to be removed from the credit report Original Loan Amount {$8500.00} {$7600.00} {$5100.00} {$5200.00} {$6200.00} {$4100.00}
Consumer complaint received 2018-01-04
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. (FL)

On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XXXX the XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.
Consumer complaint received 2016-12-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commonwealth Financial Systems, Inc. (NY)

I had an alert on my credit report from a company I had never heard of, I looked up the company and called to find out there is a so called medical bill outstanding from 2010, which if it is in fact a real bill, it should not now be showing on my credit report after 6 years! I have never once received a notice of this bill as I have paid every medical bill off to date with no late notices. I do n't even have a notice or file number as they have never sent me anything! I do n't understand with HIPPA Laws, how my information can be handed over to some agency?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

It has come to my attention that these itema are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (CA)

GM Financial Account # 's XXXX and XXXX These accounts should not be reporting any late payments. I have always made my payments on time. The vehicle was turned into the dealer and the loan as paid off late but was the dealerships fault. Letter from the dealership is attached. 

I should not be penalized and this is preventing me from getting the credit I deserve. Remove the late payments right away!
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. (TX)

I am writing to file a formal complaint concerning the charge-off entry on my credit report. Despite my repeated efforts to rectify this matter, the charge-off continues to adversely impact my financial standing. 

I have previously disputed this charge-off through your bureau and provided documentation supporting its inaccuracy. Despite this, the charge-off remains on my credit report. 
Requested Resolution : I request an immediate and thorough investigation into this matter to validate the accuracy of the charge-off entry. If found to be inaccurate, I request its prompt removal from my credit report. 

I also request a written confirmation once the charge-off has been corrected, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the specified timeframe and provide a designated contact person for further communication. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-06
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. (CA)

After reviewing my credit report recently after not using it for years, I noticed accounts reporting that I never applied for. I have not used my credit for years now yet there are accounts that are reporting under my name which I never authorized myself. I believe that someone has used my personal information to open these accounts. 

The following accounts are not mine, were opened fraudulently, and should be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (CT)

I did a closing with TD Bank for a mortgage refinance on XX/XX/2020. They sent someone representing a company called XXXX XXXX XXXX to handle the closing and getting the documents signed. This person told me they would email me copies and that the closing would be finalized on XX/XX/2020 once they sent the documents over to TD Bank. I told him to ensure that the copies were sent to me via a secure medium, not email. Today, XX/XX/2020, they sent me an email with the documents I had signed as an attachment to the email which is not secure. It included my social security number, checking account number, all my financial information, credit information, address, basically all of my private sensitive data/information. I complained to both companies about this, and the title company replied saying that email is totally secure ( emails attached to this complaint ), and TD Bank never even bothered to reply or call me.
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. (NY)

I as a consumer am writing to file a formal complaint against TransUnion, XXXX, and XXXX concerning inaccurate information and privacy violations on my credit reports. 

All three credit reporting agencies, TransUnion, XXXX, and XXXX, have reported inaccurate debt collection information ( XXXX XXXX XXXX ) on my credit reports, damaging my creditworthiness and violating my rights under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

The inaccurate reporting constitutes a violation of my privacy rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 

The account clearly reports inaccurate open dates, last reported dates, and last active dates between ( Transunion, XXXX, XXXX ). 

The credit reporting agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit reports, as required by 15 U.S. Code 1681e- Compliance Procedures.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Lastly, XXXX XXXX XXXX is a collection agency. The account reported is an inaccurate collection/chargeoff account, which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, and income does not get reported to a consumer report. 


I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies on my credit reports, ensure compliance with relevant laws, and protect my consumer rights. I have attached supporting documentation, including evidence of the inaccurate debt collection information. 

I demand XXXX XXXX XXXX, account # XXXX to be deleted. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in upholding consumer rights.
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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