davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Debt collection — Auto 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 XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX OF XXXX 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 2024-09-11
Product: Credit reporting 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)

I am submitting this FTC Identity Theft Affidavit to report for fraudulent accounts on my consumer XXXX credit report that I do not recognize and which are the result of identity theft. These unauthorized accounts include a personal credit card account opened with XXXX on XXXX, XXXX, 2024, an account opened XXXX on XX/XX/year>, and an account opened with XXXX XXXX on XX/XX/year>, each under a unique account number ( not disclosed here I request that these fraudulent entries be removed from my consumer credit reports and that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws XXXX
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

id theft victim XXXX XXXX collection XXXX not mine XXXX  XXXX  Not mine XXXX never late due to covid XXXX XXXX  Never late due to covid XXXX  XXXX bank never late
Consumer complaint received 2023-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION (NY)

I applied to Alliant Credit Union for a HELOC for {$110000.00} on my property on XX/XX/22. Please see the attached Adverse Action Notice. I was informed on XX/XX/22 that I was conditionally approved for only {$50000.00}. Upon calling and speaking with loan consultant XXXX XXXX ( finally reaching him about a month later ), he further informed me that this decision was made independent of my current income, assets ( including the expected value in my home ), and debt. I complained bitterly to XXXX XXXX, but, of course, it did no good. Alliant recorded this conversation. 

Alliants policy is that it will not extend credit to any person in any amount higher than what that person had before. So even when all its other guidelines are met, Alliant will still significantly downgrade loan amounts to consumers based solely on their past poverty. They called this Limited credit experience. Alliants decision in my case was even more ludicrous in light of the fact that I had {$110000.00} in total active credit card lines, a XXXX XXXX of XXXX, a credit history dating back almost 20 years, and numerous closed, paid-off car and student loans. Accordingly, I allowed my application to expire on XX/XX/22 and took my business elsewhere. 

To summarize, Alliants policy is not to loan {$100000.00} if the consumer has only borrowed {$50000.00} before in a single amount from any lender. So if previously a consumer only bought a car or part of a college degree, now they are not allowed to buy, refinance, or take equity out of a house through Alliant Credit Union. This policy of Alliants remains in place but should be changed to treat all consumer loan applicants equally and fairly.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-07-28
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. (CA)

I am appalled by the ability of the Credit Bureaus to remove the disputed items completely from my Credit Report despite all the letters and complaints I have been sendong them. I have read that the Credit Bueaaus are required to remove the disputed items completely from a consumer 's Credit report under the Fair Creit Reporting Act section 605b, however, upon reviewing my updated credit report, I came tio a conclusion that the Credit Bureaus became negligent of their duty. I am now submitting this complaint to inform the Credit Bureaus that I have been offered help from my legal counsel and that they are willing to help my file a lawsuit against the Credit Bureaus if they stilll chose to not comply with my requests. If the Credit Bureaus do not want to be brought up to court, I need them to remove the following items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXX
Consumer complaint received 2022-09-03
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. (VA)

I am a natural person, Im living human being, I have rights under 15USC 1681 XXXX is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be romove because According to the 15 USC 1681 I have the right of privacy and I did not give XXXX written permission to furnish these accounts..my Hippa rights been violated also collection angency has to much information about my medical situations also my name was in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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. (VA)

I am a natural person, Im living human being, I have rights under 15USC 1681 XXXX is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be romove because According to the 15 USC 1681 I have the right of privacy and I did not give XXXX written permission to furnish these accounts..my Hippa rights been violated also collection angency has to much information about my medical situations also my name was in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
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. (TX)

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$7300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2020-05-22
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Unfortunately, for me I had a {$12.00} balance to which I was unaware of with Kohls. I opened the account in XX/XX/XXXX with about a {$12.00} charge. The clerk had trouble with the system and tried at least 3 different times to get it to go through. I finally said just forget it I need to go Ill pay for my purchase. She asks for one more try. I paid for my purchase and she said its done. Unaware that she opened the account with a partial charge of {$12.00}. I did give her funds thinking I had paid my bill and opened an account with zero balance for future use ; totally unaware of having a {$12.00} balance. Yes, I received mail from Kohls thinking it was just advertisement which is tossed into my junk mail pile. Finally, I received a phone call from Kohls and found out about the balance. A shock to me that I even had a balance but, I paid it by phone. When I realize that this situation has been reported to credit bureaus I immediately contacted the store request a reprieve to my situation and to have it fairly evaluate. It doesnt make since to open an account in XX/XX/XXXX for $ XXXX and stop paying for 3 months with a balance of {$12.00}. When I asked for a reversal I was given the company line that of integrity if it is change. I am sorry I dont see ityes I believe Kohls could make a change and I m sorry that {$12.00} could cause so much havoc on my credit report to jump for a score of XXXX to XXXX and then to add insult to injury other creditors have reduce my credit line. No one is speaking on my behalf and I have no forum to speak from regarding my side of the equation. I realize that this process starts and finishes with bots ( one computer speaking to another ) without human interaction. Im so irate that I closed the account as of today XX/XX/XXXX Personally I don't believe that a late payment under {$25.00} should be reported to credit bureaus.
Consumer complaint received 2020-05-12
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)

This is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$55000.00}.
Consumer complaint received 2022-07-28
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroenous accounts being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I made a purchase through XXXX from my bank account with bank of America from XXXX XXXX costing XXXX dollars and change. After the purchase I received my items eight days later, I opened the package and saw that they gave me the wrong products. I've contacted XXXX XXXX multiple times, via phone and email. Now they don't even respond because I told them to send me a shipping label. I'm not going to pay for this because it wasn't my mistake. I called last night XX/XX/20 bank of America dispute center, they told me because its an ACH payment i can't dispute it. Its my money no matter how I paid for it, I should be able to dispute. Bank of America won't let me dispute it.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

-I purchased item on XX/XX/XXXX from XXXX. 
-Seller shipped wrong specification of item, and I notified seller that I would not accept the delivery if seller did not cancel order -Item was still delivered to XXXX, CO, USA via XXXX via tracking # XXXX -Item was signed for via neighbor without permission, at fault of shipper XXXX  ( please see emails from XXXX on XX/XX/XXXX, alongside voicemail transcripts ) -Given this, shipping service picked up package from neighbor, and returned to seller. 

To summarize : this is an item that I am not currently, nor ever have been in possession of item. 

This billing dispute has been reverse/and re-opened several times since initially opened in XX/XX/2020, and have spoken to CITI multiple times per week ( alongside supplying all documentation from shipper that item was XXXX ) however they have not made any further assistance on billing dispute, and feel as though CITI is not doing due diligence on resolving charge
Consumer complaint received 2022-07-28
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. (KS)

Account XXXX : XXXX XXXX XXXX is reporting this account as a " paid/charge-off '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, XXXX failed to notify me of the account 'NOT '' being closed. The XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX of 2019, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the Armed forces.
Consumer complaint received 2024-09-12
Product: Credit reporting 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)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincere XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am appalled by the ability of the Credit Bureaus to remove the disputed items completely from my Credit Report despite all the letters and complaints I have been sendong them. I have read that the Credit Bueaaus are required to remove the disputed items completely from a consumer 's Credit report under the Fair Creit Reporting Act section 605b, however, upon reviewing my updated credit report, I came tio a conclusion that the Credit Bureaus became negligent of their duty. I am now submitting this complaint to inform the Credit Bureaus that I have been offered help from my legal counsel and that they are willing to help my file a lawsuit against the Credit Bureaus if they stilll chose to not comply with my requests. If the Credit Bureaus do not want to be brought up to court, I need them to remove the following items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/2015 XXXX
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 — Old information reappears or never goes away
Company: The CMI Group, Inc. (CO)

I had a collection with XXXX that i paid and the company told me that they would remove the collection from my credit report with the credit bureaus after i paid it since it never should have been a collection in the first place. I have tried disputing it with the credit bureaus but have not been able to get it removed. Please help as it is affecting my ability to get a home loan.