davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-04-06
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-03-15
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C S1028A
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please reI have requested that my freeze be removed permanently for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1990 SS XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.respond promptly
Consumer complaint received 2022-07-29
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. (NY)

In accordance with the Fair Credit Reporting ACT the following accounts have violated my rights : XXXX XXXX - Account number XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Reference number 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 an account without my written instructions.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance XXXX {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF ED/XXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} XXXX XXXX Balance XXXX {$380.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (FL)

This is a complaint in regards to Phoenix Financial Services LLC. I have been receiving several phone calls a week from a company when it shows up on my phone shows as XXXX XXXX. I would pick up the phone and they would hang up and this went on for several weeks. My phone deletes the call log so I am unable to obtain, we would have to contact cell phone company to obtain all the dates and times. Finally last week when I answered the phone the person spoke extremely fast, they did not tell me the name of their company but stated they were calling in regards to my medical file and needed to speak to me and needed my date of birth. I asked them to identify themselves and why they were calling and they repeated again that they were calling in regards to my medical file and needed my date of birth. I advised due to HIPPA regulations I did not have to speak to them about my medical file over the phone and asked that they inform me which doctor 's office they were calling from. At that time the person was very irate, stated then at that time she was calling from a debt collection agency and that she knew my date of birth at which time she blurted out and when I attempted to ask her what debt she was calling in regards to she hung up. I called back the phone number and no one would pick up. Later that week I received a debt collection letter from Phoenix Financial Services LLC located in IN stating I owe money to a current creditor by the name of XXXX XXXX XXXX XXXX which I have no idea who this company is nor have I ever received a bill from that company. I went online to research this company and saw several complaints online with similar letters stating the same exact thing. Stating they do not know who this company is, they never received medical attention from this company and were being told they were going to collections. I believe this to be fraudulent. I believe if this is a debt collector they violated several regulators, one by impersonating to be a medical facility, requesting my personal information, not verifying whom they were, why they were calling, what the debt was in regards to nor identify the company making the claim. Please note when you try to call XXXX XXXX XXXX XXXX the phone listed online with XXXX is the phone number to XXXX XXXX XXXX headquarters.
Consumer complaint received 2022-04-06
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. (PA)

Late Payments Were Put Onto My Account whenever I Was Enrolled In XXXX. These Need Removed. Ive Contacted Both Loan Providers By Phone, Mail And Email And got Nowhere With Them. They Said They Were Supposed to Be Removed Yet They Remain And That Was From XXXX Years Ago Now.
Consumer complaint received 2022-07-29
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. (UT)

In accordance with the fair credit reporting act, the following Accounts have violated my rights : XXXX XXXX XXXX, Account # XXXX, Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Amount {$2300.00}, Date Opened XX/XX/2018. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/2021
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXte of inquiry : XX/XX/2021
Consumer complaint received 2022-04-06
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. (MS)

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

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-15
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: First Advantage LNS Inc. (SC)

I have disputed the Collections accounts that appear on my consumer report. All these debts have been charged off, and written off on their taxes which has now become taxable income for me. The Creditors then sold the debts to collections agencies who are now trying to collect from me, which is illegal and each of these companies are now in Violation of the FCRA. I have made several attempts to have these derogatory marks removed from my consumer report, to no avail. Not to mention the fact that two of these collection agencies are not even licensed to do business in my state. ( ~National Credit Aud/First Advantage and~XXXX XXXX XXXX XXXX XXXX I am only asking that you uphold consumer law and hold these companies accountable for their actions.
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am filing a complaint against XXXX, XXXX and XXXX. The credit companies are not complying with their own policies in a timely manner. It has been 30 days ( XXXX XXXX ) since I sent letters to XXXX, XXXX and XXXX asking for verification information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on my credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under federal law, credit bureaus have 30 days to complete the investigation. I am filing a complaint that due to exceeding 30 days without verifying the the original consumer contract.
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (IN)

I have an auto loan that XXXX signed for in XXXX for my daughter. The car was repossessed in XXXX. I have tried to contact the company, CNAC on several occasions. The number that they pricier that is listed on my credit report, ( XXXX, is always busy. I spent a week trying to contact the number everyday. I looked up the company on the internet and called it, ( XXXX ) XXXX XXXX. I was told that they could not pull up the loan, and to call ( XXXX ) XXXX. I called that number and it was the XXXX. I was told that they handle loans for banks that have closed. the lady, XXXX, informed me to make a complaint, because she had received several calls from other consumers from CNAC. I was also given ( XXXX ) XXXX. It was XXXX XXXX XXXX credit card account. This vehicle was almost paid for. The amount they gave me when the repossessed it was {$3000.00} to settle the debt. But now, I have over {$7500.00} on my credit report. I am trying to contact them for a settlement credit. At this time, I have no way to resolve this issue with CNAC, and can not obtain a vehicle for myself with this late amount on my credit XXXX every month. Because it has been so long ago, and it was my daughter 's car, I have no loan information that I can provide.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with XXXX  ( name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account.
Consumer complaint received 2020-05-26
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-07-29
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  The accounts listed below, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX. XX/XX/XXXX for {$10000.00} XXXX ) XXXX XXXX XXXX account # XXXX. XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  XXXX account # XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX and XXXX XXXX XXXX ) XXXX XX/XX/XXXX and XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX and XX/XX/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 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We have a case open with Bank Of America because money was taken from our account in the amount of {$30000.00} on XX/XX/2022 in a form of bill pay payable to an XXXX XXXX account that we do not own. 

Complaint was already filed with CFPB and case is still open because Bank Of America requested more time to file an answer. 
Per the guidance they were only granted 60 days and they are taking almost 90 days. They response is past due. 

We are filing another complaint with the FLORIDA OFFICE OF FINANCIAL REGULATION. 

We are still waiting on their investigation to be completed as it is past due and we expect Bank Of America to reimburse our money back.