davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (IL)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-07-15
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. (FL)

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have 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 2 : it also states a consumer reporting agency can not furnish an account without my written instruction or consent.
Consumer complaint received 2023-03-31
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. (NY)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with the intent of ghting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Consumer complaint received 2023-06-24
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. (KY)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

" XXXX XXXX XXXX XXXX '' ( XXXX XXXXXXXX XXXX ) are reporting inaccurate information to my file. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
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 the last reported date is inaccurate. This is grounds for removal. 

They also violated the law because according to 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Paid off all balances with XXXXXXXX XXXX. They continued to try and charge even after I received my final bill. I submitted a complaint with the Cfpb about the company but cfpb is unable to reach them.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MS)

A cease-and-desist on all phone calls was issued and the company has yet to abide by that request I get phone calls four times a day with one last night being at five minutes to XXXX XXXX. I do not know what this alleged debt is as I have never signed a contract with Midland credit. I do not have an account that I opened with Midland credit because I do not have a signed contract with Midland credit nor an account with Midland, credit the calls, harassment, and negative affect my credit report. Need to stop and be removed.
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

My account was closed unexpectedly and they promised to give me a chance to withdraw my funds. 
I was given the permission to withdraw but my limitations were still upheld so i couldnot withdraw as i still had limitations. They then unexpectedly withraw my funds without my authorization or permission. 
moreover they don't give the steps clearly necessary to withdraw the funds they claim is eligible for withdrawal.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX, TransUnion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared ( 15 USC 6801 ). The below mentioned companies are financial institutions, and have furnished my personal information to the consumer reporting agencies. 
- XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The above mentioned financial institutions and the Consumer reporting agencies XXXX, TransUnion, and XXXX do not, nor did they ever, have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The above mentioned financial institutions never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' There are several adverse items within the reports furnished by XXXX, TransUnion, and XXXX, WHICH IS AGAINST THE LAW. The adverse items include collections accounts, charge offs, and/or delinquent accounts. Charge offs are considered certificates of indebtedness, which are qualified as income by law and CAN NOT BE REPORTED. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion, and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (TX)

On XXXX I requested a credit line increase for my Marcus Goldman Sachs account and I was denied as they said that I missed a recent payment. This is false as I have not missed a payment on my statements, XXXX XXXX, and XXXX Account. I am complaining as this information is false.
Consumer complaint received 2022-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc. (ME)

I received a collections notice from The Thomas Agency on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX, notifying me of a debt in the amount of {$680.00}. I disputed this debt via letter on XX/XX/XXXX, but never received a response. In XX/XX/XXXX I went to apply for a personal loan through my bank, and was not approved due to this outstanding debt on my credit report. I contacted The XXXX Agency via phone on XX/XX/XXXX, and was told that they had mailed me a copy of the itemized invoice for my debt shortly after receiving my letter in XX/XX/XXXX. I reported that I had never received this documentation, and after verifying The XXXX Agency had my correct mailing address, requested another copy sent to me. The XXXX Agency reported they would mail me another copy ASAP, which I never received. I filed complaints against The XXXX. Agency and XXXX XXXX XXXX XXXX  with the Consumer Financial Protection Bureau on XX/XX/XXXX, but never received a resolution. On XX/XX/XXXX I received a letter from the The XXXX. Agency, including an itemized invoice from XXXX XXXX  XXXX XXXX showing an outstanding debt of {$440.00}. I contacted The XXXX Agency again via phone on XX/XX/XXXX, and was told the debt is in the amount of {$680.00}. I disputed this, as it did not match the documentation I received and it took almost a full year for me to receive this information. The XXXX. Agency told me it took so long because they did not hear back from XXXX XXXX  XXXX, despite my previous phone call in XX/XX/XXXX when a representative confirmed that the information was mailed to me. The XXXX Agency also said that they would be reaching out to XXXX XXXX XXXX again to address the discrepancy in the amount of the reported debt, and they would get back to me. In the meantime, they will put a hold on this debt being on my credit report for 60 days while the matter is investigated. They said that if I did not hear from them within this time frame I should try following up. This issue has debilitated my financial well-being for almost a year now.
Consumer complaint received 2024-11-22
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. (NJ)

I am disputing an account that appears on my credit report under the name of XXXX XXXX XXXX, which I believe was opened fraudulently without my authorization. Here are the relevant details : Account Opened : XX/XX/XXXX Account Balance : {$XXXX} High Credit : {$XXXX} Status : Derogatory, transferred to collections Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I became aware of this account when reviewing my credit report on XX/XX/XXXX. I have no knowledge of this auto loan or any interactions with XXXX XXXX XXXX. The account includes comments stating it has been transferred to recovery and assigned to an attorney, collection agency, or credit grantors internal collection department. 

Actions I Have Taken XXXX. Notified Credit Bureaus : I filed disputes with TransUnion, XXXX, and XXXX on XX/XX/XXXX, requesting verification of this account and its removal from my credit file, as it does not belong to me. 
XXXX. Filed Government Complaints : I filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, describing the fraudulent nature of this account and its impact on my credit. Case numbers are available upon request. 
XXXX. Requested Information from XXXX XXXX XXXX : On XX/XX/XXXX, I formally requested verification and documentation of the account from XXXX XXXX XXXX. 

Impact This fraudulent account has negatively affected my XXXX XXXX and financial standing. I have no record of signing or agreeing to this loan, and I have taken all steps within my ability to dispute this fraudulent activity. I respectfully request XXXX XXXX XXXX to promptly investigate this matter and provide any necessary documentation to resolve this issue. 

Thank you for your attention to this matter.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors. I contacted each bureau and received no response at all which makes my situation even harder because I need to move forward with things including my credit and if this is not fixed I will continuously be denied! 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX. 

2. The following personal information is incorrect Account Number : Employers : XXXX XXXX 3. 15 U.S Code 160XXXX ( a ) XXXX XXXX XXXX Account Number : XXXX There are finance charges that are the sum of all payments. There should be no late payments on this account, especially between the year of XXXX through XXXX. They also have a repossession for this account that is not accurate at all that needs to be removed I have never lost possession of my vehicle, it is outside my house as I Type. 

4. Under 15 USC 1666B this is a billing error. This always paid as agreed ON TIME. This is an error. 
XXXX XXXX XXXX Account Number : XXXX Remove these inaccurate reported late payments. 

5. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-02-01
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. (MS)

A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXXXXXX XXXXXXXX XXXX
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX - This company ( XXXX  ) increased my credit limit at my request. I began to order more items from XXXX because at the time they had really good items. I made the fatal mistake of taking advantage of their no interest purchase on items over a certain price point. XXXX nor XXXX were ever able to explain how it worked. One day I looked at my statement after making several purchases on this program, to begin paying them off. The statement showed the balances on the purchases much higher than I'd anticipated and the payments I was making should have been credited. XXXX finally said they credit the majority of any payments to regular payments and interest then to the purchase with a deadline on them! My statements showed that I had paid them down and some should've been paid off earlier ( I have every statement to prove it, too big to upload here ). When I made a really large payment months later, to pay down the balances before I knew any of this, it was not credited appropriately to those items or to the acct. as I was told. The chunky payment should've eliminated 2 items still leaving enough for a payment. We ended up in a huge dispute which NO ONE at XXXX ever resolved even when I put it in writing as they insisted. They cancelled my limit increase, placed it at my outstanding balance, never responded to any of my requests to acknowledge or resolve the disputes, then closed my card & charged off the balance due. Then they showed my balance as {$2100.00} & my limit as {$1600.00} which is FALSE AND INACCURATE! My limit was {$2200.00}, the balance at charge off was around $ XXXX because I refused to pay them until they corrected it. They refused to correct it hence the charge off & excessive fees. See attached statements with proof of the original {$2200.00} limit vs the balance.
Consumer complaint received 2023-01-11
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. (GA)

Equifax will not be satisfied until I move forward with litigation so this will be the XXXX and final attempt in fixing this matter. XXXX XXXX is being reported as open which is inaccurate this account has been closed since XX/XX/2021 which you can find attached to this complaint. Since XXXX of 2021 theyve been reporting a past due balance of {$1100.00} which is also inaccurate this account has also been paid off XXXX XXXX which you will also find attached and can find yourselves in violation of XXXX XXXX XXXX XXXX XXXX, NO XXXX for inaccurate reporting as well as FCRA SECTION 623 for failure to report this account as disputed on my report as well as the same legal jurisdictions for failure to correct inaccurate information after being provided proof. XXXX XXXX is reporting XXXX late payments on my account which is also inaccurate and you can find yourselves in the same violations listed above as you all were provided evidence showing otherwise. However as neglectful as you all have been Im sure it has been overlooked and once again is attached to this complaint. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are fraud and has been included in both a police report and ftc report. You can XXXX which violations you all have once again managed to pro-cur for reporting this information to my credit report. I expect the information above update or removed in accordance with the information I have provided thank you.