davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states 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. 

Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 

I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 

Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AP)

Resubmitting the below complaint as the company response was insufficient and false to complaint : XXXX. 

I am a military member stationed XXXX  ( XXXX ). Prior to moving, I was the victim of identity theft. I activated an XXXX XXXX Credit freeze on all three reporting agencies. Now that I am living XXXX, I am trying to open a new line of credit and need either a temporary unfreeze or pin to allow the company access to my report by Experian. I have now been trying for two months to get access to my Experian account. I can not log in despite answering the authentication questions correctly. Their phone system does not allow contact with another human and directs you back to their website which does not work. After many hours of calling internationally, I was finally able to reach a human and was told XXXX  addresses are blocked from their system and there is no way for me to access my information while living XXXX. I can not find a way to email or access anyone at Experian that can help. I am effectively blocked from accessing my information while XXXX  XXXX.
Consumer complaint received 2024-09-25
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. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters 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. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

XXXX : XXXX XXXX XXXXXXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXXXXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection XXXX XXXX Account Number XXXX XXXX Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection Transunion XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - Late/Closed XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXX XXXX  XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$80.00} - Collection
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (PA)

My car was totaled in XX/XX/XXXX. My car insurance company, XXXX XXXX, sent a payoff check to Ally Financial in XX/XX/XXXX. I received a paid in full letter dated XX/XX/XXXX from Ally Financial. In XXXX I received a phone call stating I was late with my payment. I asked them to provide me with a payoff balance. They said they could not give me a payoff amount and transferred me to the title dept. They confirmed my account was paid in full. In XXXX they provided me with a remaining balance due amount but had already negatively reported my account to the credit bureau. I agreed to pay the balance if they would send something to the credit bureaus to remove the 30 and 60 day lates showing on my credit report. They said they would have the delinquencies removed once the balance was paid in full. I paid the total balance off on XX/XX/XXXX. They have not removed the delinquencies. They sent me a new paid in full letter dated XX/XX/XXXX with the same account number and information as the previous paid in full letter dated XX/XX/XXXX. I believe this error occurred, because Ally financial sent out incorrect information, and did not follow up in a timely manner to provide me with an outstanding balance. Therefore I do not think my credit should be negatively affected for there error.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently re-ordered checks for my checking account of 27 years with Bank of America. When I received my check order, the checks included " POD and one of my beneficiaries ' names ''. I never authorized the information to be included on the checks nor would I have ever authorized only one of my beneficiaries to appear on the check and not the other. Bank of America informed me that this is a new policy. I was not informed via mail or email that this was going to be a new policy effective XXXX XXXX was also informed that the missing beneficiary was an " error '' after being informed by another representative that there was only one beneficiary on the account. I also asked for a copy of a letter or notification regarding the new policy. A supervisor from financial services transferred me to the " check department '' and they were unable to provide me with a copy of the new policy. Personal financial information such as beneficiaries should not be required to be listed on checks which are written to utility companies, businesses, etc. nor for anyone to see other than the bank.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (TX)

I sent a letter on XX/XX/XXXX, to remove these 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 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TXXXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION is complicit in reporting an account as a charge off to my consumer report causing defamation to my character. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have filed a XXXX Cancelation of debt with the IRS for these accounts and are attempting to collect the same amount they wrote off with the IRS from me on a written off debt that they were already paid for. This is tax fraud and I will report you to the IRS as being complicit in the fraud. The IRS defines a charge off as income and income is NOT reported on a consumer report. Also the CODE OF FEDERAL REGULATIONS 7 CFR 1956.54 states that a charge off is : The writing off of a debt and TERMINATION OF COLLECTION ACTIVITY without release of personal liability. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and TRANSUNION are attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.
Consumer complaint received 2022-06-13
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: National Credit Adjusters, LLC (NC)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Incomm Holdings Inc. (PA)

Bought a Vanilla visa card. 3 purchases made on card already. Before ot could be used. Vanilla customer service is unusable. Keeps sending the customer to different number that don't work. Also, card numbers when called are not identified as Vanilla either. Unable to get any help at all. Funds are stolen
Consumer complaint received 2024-09-20
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 Reported: XXXX XXXX XXXX + XXXX Closed XXXX  Reported: XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX  Reported: XXXX XXXX XXXX + XXXX Closed XXXX XXXX& Reported: XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX Reported: XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX  Closed XXXX Reported: XXXX XXXX XXXX XXXX XXXX ClosedXXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX In good standing XXXX Reported: XXXX XXXX XXXX XXXX XXXX Needs Attention XXXX XXXX XXXX XXXX Reported: XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX  Needs Attention XXXX XXXX Reported: XXXX XXXX XXXX XXXX XXXX  Needs Attention
Consumer complaint received 2022-07-27
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: Dovenmuehle Mortgage, Inc. (CO)

In accordance with the Fair Credit Reporting Act DovenMuehXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 in the amount of {$1300.00}, has violated my rights. 

15USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-25
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

To Whom it may concern, I am writing to formally dispute the inaccurate late payment information reported on my XXXX account ( Account XXXX : XXXX ) in my credit report. After thoroughly reviewing the report, I have identified multiple discrepancies regarding the payment history, which appear to be inconsistent and inaccurate across different reporting dates. 

The discrepancies I have noticed are as follows : Date Last Payment : The dates listed across bureaus ( XX/XX/XXXX and XX/XX/XXXX ) do not match, leading to potential inaccuracies in payment status and account reporting. 
Payment Status and Account Balance : The account status is shown as Paid, indicating that the balance has been cleared, yet it continues to reflect a 120-day late payment history inaccurately. 
Last Reported Date : Various last reported dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) create inconsistencies, further emphasizing that the account data XXXX be inaccurately represented. 

These discrepancies are not only confusing but may have a negative impact on my credit score and financial profile. I kindly request that you review the account information with XXXX to verify the payment status and delete any inaccurate or inconsistent late payment details from my credit report. 

Please update my records to reflect an accurate status for this account. I would appreciate it if you could complete this review and inform me of your findings within 30 days, as required under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. Should you require any additional information or documentation to facilitate this process, feel free to contact me using the details provided above.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Well Fargo Closed my credit card for no apparent reason. I barely had a chance to use the card. Basically they said my credit score had dropped slightly and I am no longer worthy of the credit limit that they had given me in the amount of {$3000.00}. I have never been late on any credit cards and now this is hurting my utilization score and credit number. I cant even get anyone in the phone. The card number is XXXX XXXX XXXX XXXX This is just so upsetting when I have not done anything wrong. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my rights under 15 U.S.C. 1681 sections 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 2022-07-27
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. (PA)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my rights under 15 U.S.C. 1681 sections 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.