davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is regarding account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which you claim my account is chargeoff. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-09-10
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 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX, {$14000.00} XXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-24
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. (CA)

i was looking at my credit report with myfreescorenow.com and i noticed that my XXXX account is wrong XXXX  shows a balance of {$4800.00} experian shows {$0.00} and XXXX shows {$4800.00} also the opening and last activity dates are wrong showing on all three credit bureaus
Consumer complaint received 2020-08-04
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. (GA)

XXXX aka XXXX XXXX was a secured credit card account opened by me in 2016 and was paid regularly until unforeseen medical events caused me financial hardship. My balance is {$120.00} and that should have been deducted from the cash deposit I had placed with them and the remaining {$79.00} should have been refunded back to me when the account was closed. Instead XXXX XXXX has ruined my credit intentionally by reporting that balance of {$120.00} to the credit bureaus as having 18 charge off 's with Experian as one example and of which I am attaching a print out of my most recent credit report with them. I have contacted them and have requested that it be verified but they have not sent me any information on this account. A search with the XXXX lists them as not responding to requests and many have had the same problems with them. As a result the XXXX does not rate them and has had many complaints filed against them.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

on XX/XX/18 Portfolio Recovery placed a collection account on my credit profile for the amount of {$2000.00} which I do not owe. I did not open this account, I did not authorize this account to be opened in my name, I had no knowledge of this account. The original creditor is listed as XXXX XXXX  ( Banking ). Which I do have accounts with and all are in good standing. I tried contacting XXXX 's fraud department and they claimed to have no record of an outstanding unpaid balance under my name. The only accounts they have record of are the accounts I currently have which again, are in good standing. 
I have tried disputing this with both Portfolio Recovery over the phone which they claimed an investigation would take place and I would be mailed the results, that never happened. 
I filed a dispute with all 3 major credit bureaus and they came back as " VERIFIED AS ACCURATE '' but could provide no information how it was verified as accurate and told me to take it up with Portfolio Recovery. I have tried in good faith to resolve this issue and I find myself constantly being shifted around from one company to another trying to have this removed.
Consumer complaint received 2020-04-28
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. (TX)

One XX/XX/2020 I received a notice in the mail that Equifax had received my Certified Mail. They received a Letter of Correction request to my Equifax credit report along with a copy of the Notice of Nonsuit dismissing the referenced matter. 

I checked on the status of my dispute online and it states the following : The disputed item is not currently reporting on the Equifax credit file. Public Record : Judgment XXXX I spoke with XXXX who is a representative from Equifax today on XX/XX/2020 to inquire about the meaning of the above response from Equifax regarding my dispute. She explained that the response means that Public Record : Judgment XXXX is not currently report on my Equifax credit file. I explained to XXXX that my dispute is regarding the account XXXX XXXX not Public Record : Judgment XXXX. It clearly shows on the documents that I sent Certified Mail to Equifax that the account I am disputing in XXXX XXXX. I also included the exact format that the account shows on my Equifax Credit file. XXXX was able to confirm the discrepancy and she was able to confirm that XXXX XXXX is currently on my Equifax credit file. She also confirmed that she was able to view that documents that I sent Certified Mail. 

I asked XXXX how can this issue be resolved and she stated that the only thing that could be done is to open a new dispute case to reinvestigate the dispute. My follow up question was does that reset the dispute case date to todays date of XX/XX/2020 and she stated that was correct. My dispute was accepted on XX/XX/2020. Which means they have about 13 more days to properly confirm and complete the dispute case. According to the information that XXXX provided me they now can reinvestigate the case which would technically reset the date, which gives them 30 additional days. Again, Equifax was already confirmed they have received my documents through Certified Mail. The status of their investigation is also not updated as Completed in the system. 

By law Equifax has 30 days to send me ALL of the information stated in the letter. If they don't get it to me within 30 days they have to remove it. In addition, If Equifax sends me anything that doesn't include EVERYTHING listed in the letter then they have not met the requirement. 

As a consumer I have rights and those rights can not be ignored because Equifax has demonstrated obvious blatant ignorance of my well-documented dispute.
Consumer complaint received 2020-04-28
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2022 I submitted an affidavit of truth regarding TD Auto Finance furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from TD Auto stating that the credit reporting is accurate.

I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

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 instructions.

All these are unauthorized inquires.
Consumer complaint received 2023-02-07
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. (NY)

In accordance with the Fair Credit Reporting act. 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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX  XXXX uses its own provider for credit verification named Clarity services XXXX XXXX XXXX XXXX XXXX XXXX They produced a creditor score rating of XXXX and stated that the account is in poor standing and that it has excessive changing information and derogatory accounts. 

I find this to be a violation under 18 usc 894 It includes the following provisions : Advancing money or property with the intention of making extortionate extensions of credit is punishable by fine or imprisonment1. 
Participation in the use of extortionate means to collect or punish nonrepayment of credit can result in fines or imprisonment
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This account have incredibly affected my scores in the worst way possible and it's not even reported with 100 % accuracy. To think that I have sent my complaint back in XXXX and I was not met with satisfying response from your company. I need this account rechecked, re-investigated and removed as soon as possible.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MN)

i filed a dispute on XX/XX/XXXX my account was frozen with XXXX left in it i waited for a new card to show up when it did i went to withdrawl my funds they were gone from my account wich was locked i couldntuse it or access it .tyhey wont even take my phone calls or explain where my money wentnow my stimulus check is due to go in tonight at XXXX im afraid that to will vanisheverything was fine until i called and got thru to someone on the XX/XX/XXXXwhile i was on the phone with them my funds vanished when i asked tobtransfer my funds to another bank i was denyied this isnot the first problem in a rather long ist of problems and illegal action by direct express twords meallowing a chargeback on a frozen account new account numbers that shouldnt have happened .i belive it is malicious and discimination on there part.i think someone needs criminal charges asnd i deserve mrenumeration for my losses due to there illegal behaviour i am also filing a report with the ag office of minnesota directexpressis responsible for XXXX of my money being taken from my account ive tryed calling there phone system hangs up my calls i have no recourse im on XXXX and cant take this kind of a loss. whatever you can do to help me please do help me. thank you .XXXX  XXXX i belive this coverd most of it but the 30 hrs i spent on hold tryingto unfreeze my accountlasttime oi belive minimum wage is fair for my 30hrs on hold.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX Balance : {$2.00}, XXXX XXXX  XXXX Balance XXXX {$4.00}, XXXX XXXX XXXX XXXX Balance : {$4.00}, XXXX
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (IN)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (SC)

The interest rate is 396 % and impossible to pay back. We borrowed {$2200.00} and will be paying back {$12000.00}. We have already paid {$2000.00} and have barely touched the principle. We make a {$340.00} payment every 2 weeks. Is there a way you can help us?
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, 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 at my credit report on myfreescorenow.com when i noticed that my XXXX  account is wrong transunion balance is {$830.00} XXXX  is {$0.00} and XXXX is {$830.00} also the last activity dates are wrong!!!!!!!!!
Consumer complaint received 2020-04-28
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. (IA)

To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX  to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX  XXXX  a number of years ago and now I have problems with my XXXX  and XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the XXXX  campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.