davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX23 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance Owed : {$7100.00}
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates (MI)

I have a XXXX balance with XXXX XXXX hospital that I have been making payments on. I am unemployed due to covid and have been making payments when I can. XXXX XXXX is still allowing me to pay the bill with them on their bill paying service via XXXX XXXX and they also send my account to a collection agency LJ Ross association. So both companies are trying to collect on the same debt. I have repeatedly told LJ Ross that I make and have current payments with XXXX XXXX but they continue to call me 3 - 4 times a month 3-4 times a day. I have told them numerous times to stop calling me. I also spoke to XXXX XXXX as well and they were very rude to me and told me they could not stop LJ Ross from calling
Consumer complaint received 2021-02-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (MA)

RELIANT CAPITAL SOLUTION The debt in my name is inaccurate. I have disputed twice and they will not remove this from my account. I do not attend this college nor did I ever. I am enrolled in a separate college and dont know why I was never contacted. Is this fraud? Is someone using my name? I wouldnt know since they keep lying to the credit report saying this information is accurate when its NOT.
Consumer complaint received 2024-02-08
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-08
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. (SC)

I have been reaching out to Transunion on multiple occasions to have Inquiries removed off my credit report. I Have received letters from Transunion stating the accounts on my report are not showing up. I have printed out a copy of my credit report and each account that I have requested for them to remove are all there. Please reinvestigate and Have these unauthorized accounts removed off my credit report as they are effecting my lifestyle daily. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *See attached for reports of inquires*
Consumer complaint received 2024-02-08
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 am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX | XX/XX/XXXX : Account number : XXXX  This account is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Account number : XXXX, This account is a result of identity theft.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The finance company allowed 4 deferred payments and it has been stated that we have to ask for a hardship removal when I actually was allowed deferred payments put at the end of my car loan. I have disputed and nothing has happen and trying to pre qualify for a home my score has dropped 100 points
Consumer complaint received 2024-02-08
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. (MO)

I have reached out to these companies as well as TransUnion XXXX and XXXX about the misuse of all unauthorized information that is reporting to my credit report. 
The Congress enacted the federal Fair Debt Collection Practices Act, a 1977 law that prohibits third-party collection agencies from harassing, threatening and inappropriately contacting someone who owes money. And all these laws have been broking. 
I have sent dispute letters and no responses in a manurable time. I would like to have these companies investigated as well as having these accounts removed and deleted from my credit report. I've attached the information that was sent. 

XXXX. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-02-08
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)

I was looking into my credit report the other day and what I found made me very XXXX then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX because what they are reporting is entirely inaccurate.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.
Consumer complaint received 2021-02-24
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. (TX)

XXXX XXXX continues to report to XX/XX/XXXX ; Experian and XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX continues to report to XX/XX/XXXXand Transunion that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I asked for original purchase agreement signed by all parties involved. Because I have had several different companies reach out to me about this same alleged debt. 
They have the date opened as of XXXX & delinquent which is incorrect reporting on my report. As you will see on the statement the account was opened before that date and due to a financial hardship I faced in XXXX was last payment. Please see attached statement
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Multiple credit bureaus have a debt collection on my credit report that does not belong to me. The debt collection is for XXXX XXXX XXXX XXXX XXXX   and it was opened XX/XX/XXXX. From what I've been told from XXXX, it states that this is a debt from XXXX. I di not live at this location in XXXX and I never have lived at this location.My address was in XXXX, TX and still is today. Pro Collect has been harassing me nonstop to collect this debt even after I told them it was not me. They told me to fax private information proving this was not me, which is not safe nor feasible during this time. XXXX continues to deny my dispute and will not assist me. I continue to get the run around and this needs to be removed. The debt is for {$1200.00}. I am attaching documents proving my address in XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am filing a formal complaint against TransUnion for their failure to adequately respond to a dispute letter that I mailed on XX/XX/XXXXvia USPS certified mail, tracking number # XXXX. In my dispute letter, I requested an investigation into inaccurate items on my credit report, including entries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference Number : XXXX, and Bankruptcy Reference Number : XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To aid TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing the dispute letter and providing necessary documentation, I received a response from TransUnion, dated XX/XX/XXXX indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response demonstrates a failure on TransUnion 's part to recognize the legitimacy of my dispute and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is clear that TransUnion has failed to fulfill this obligation, thereby infringing upon my consumer rights. 

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with USPS certified mail proof of delivery and TransUnions response, serving as evidence of my efforts to rectify inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Consumer complaint received 2024-02-08
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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-02-08
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. (MI)

The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Active, 15 U.S.C 1681 SECTION 602 A. States I have a 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 instruction. The following accounts are included XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ascendium Education Group (MD)

I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from ASCENDIUM EDUCATION XXXX that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Loancare was servicing the loan for my property. I refinanced the home back on XX/XX/XXXX of 2020. Loancare was required to refund my escrowed funds of {$960.00} within 30 days. It has now been 3 months since my loan with Loancare was paid off and I still have not received the refund. I have sent a request/complaint through my online Loancare account message system on 5 occasions starting back in XXXX. I have attempted to call them on at least 5 different occasions as well, however, their phone system requires you to enter an account number. When I enter the account number I am not presented with any options that allow you to speak with a representative. I am unable to get them to respond via their message system or phone.
Consumer complaint received 2024-02-08
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 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 2024-02-08
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. (NJ)

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 2021-11-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on AWA COLLECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX Opened : XX/XX/2019 XXXX XXXX : {$58.00}
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

On XX/XX/XXXX I opened a installment account with the original creditor, i made all payments on time with no balance. I closed the the account on XX/XX/XXXX in good standing. Two years later on XX/XX/XXXX I received collection attempts by LVNV Funding LLC for a different account from the original creditor. I mailed proof of identity theft on my credit report. I disputed the account numerous times but was declined. My credit report shows proof of exceptional payments made to the original creditor XXXX.
Consumer complaint received 2024-02-08
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. (TX)

I have reviewed my consumer report, and I noticed I had two late payments on an account. I was never late, for the consumer reporting agency has assumed a vital role and has a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I Included is a screenshot inside of this complaint on dates of XX/XX/2023 and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand that these payments be updated to be paid as agreed on time as they should be due to the fact that I was never late.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/year>
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion has failed to provide online access to upload documents to prove identity theft, refuses to assist customers to complete uploads of documents, provides no fax alternative, refuses to take the information offered, provides a frustrating complicated and incomprehensible process to follow to correct the misinformation, preventing the consumer from offering necessary documentation to correct the errors and fraud. The websites do not function properly, commonly used browsers are not supported and Transunion offers no help or assistance to the consumer.
Consumer complaint received 2024-02-08
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.