davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX submitting yet another CFPB complaint regarding the erroneous accounts reporting on my Credit report. I have been submitting CFPB complaints as well as send dispute letters requeseting for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}
Consumer complaint received 2022-08-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX and 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 XXXXXXXX XXXX # XXXX and XXXX, XXXX XXXX XXXX  # XXXX and 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 an account without my written instructions. 

Also these accounts are reporting inaccurately and shows differend kinds of account numbers : XXXX XXXX Experian XXXX and XXXX XXXX, XXXX XXXX Experian XXXX and XXXX XXXX XXXX XXXX Experian XXXX and 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 — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

How many letters do a conusmer have to send to the Credit Bureaus in order for the removal of the fraudulent items from my Credit Report? This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/XXXX with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/XXXX with the same attachments. But despite all the attachments, letters, anf CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$85.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$7400.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX 'S XXXX XXXX XX/XX/XXXX KMF XX/XX/XXXX XXXX XXXX XX/XX/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 2023-09-04
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)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Please delete these accounts ASAP.
Consumer complaint received 2022-02-13
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. (TN)

On XX/XX/XXXX I disputed and required Transunion to provide verification of the amount of {$12000.00} from XXXX XXXX XXXX that Transunion assumed I owed. I also required Transunion to provide factual proof that the inquires on my consumer report were authorized by me. ( XXXX  XXXX ) ( XXXX XXXX ) I received Transunion response on XX/XX/XXXX, accounts came back verified, and inquires also came back verified without the requirements I requested. 

On XX/XX/XXXX I followed up with a dispute and required Transunion to provide verification of the amount of {$12000.00} from XXXX XXXX XXXX that Transunion claimed they verified. I also required Transunion to provide factual proof that the inquires on my consumer report were authorized by me again. ( XXXX XXXXXXXX ) ( XXXX XXXX ) I received a response on XX/XX/XXXX, but Transunion response failed to provide what I required once again. 

On XX/XX/XXXX I followed up with a no response letter to Transunion, that they shall delete the unverifiable and unconfirmed items on my consumer report. 

Transunion failed to provide information about the accounts disputed. Transunion failed to respond to any of my letters or request. 

On XX/XX/XXXX I mailed Transunion to make them aware of the non-compliance of laws they were violating. 

On XX/XX/XXXX I requested for investigative consumer report procedures. 

On XX/XX/XXXX Transunion failed to respond to what I required them to provide. 

On XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I also Required Transunion to comply with the Fair Credit reporting Act and Transunion failed to comply with Federal Law. 

Transunion Never had any permissible purposes Pursuant to 15 USC 1681b ( 2 ) to report any of this information that was on my report. Which means Identity Fraud.

Transunion are non-Compliant with the compliance procedures pursuant to 15 USC 1681e ( a ) ( b ).

Transunion violated 15 USC 1681n ( 1 ) ( A ) ( B ) Liability for willful noncompliance.

Transunion violated 15 USC 1681o ( a ) ( 1 ) for negligent noncompliance Transunion deleted the unverifiable and unconfirmed accounts and inquiries on XX/XX/XXXX, after a whole XXXX year of non-compliance, Unacceptable and life-threatening harm Transunion caused me and my family for almost a complete year. I've been unable to purchase a vehicle for my personal living mode, and that XXXX me and my family. I've been unable to use my credit because of these XXXX reports that violated me as a consumer and a natural person of the land.
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have contacted the credit bureaus multiple time XX/XX/2022 being the last time disputing inaccurate and illegal reporting practices by the debt collector and credit bureaus that are reporting late payments, balances and fraudulent information that they where made aware of with phone calls, letter and documents sent by me with proof. The collections and charge off account continues to ignore my request for proper validation of the accounts that are show inaccurate information on my report. The credit bureaus keeps verifying the information which keeps causing harm to my file and ignore the inaccurate pointed out that the accounts show as open, they are reporting credit limits inaccurately and they are reporting balances which is a valuation and they are reporting missed payments on closed accounts that has no active contracts or accounts. Please enforce the law on to the credit bureau.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

How many letters do a conusmer have to send to the Credit Bureaus in order for the removal of the fraudulent items from my Credit Report? This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/XXXX with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/XXXX with the same attachments. But despite all the attachments, letters, anf CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$85.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$7400.00} US DEPT ED XXXX XXXX : {$7200.00} US DEPT ED XXXX XXXX : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-13
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: Experian Information Solutions Inc. (IL)

I recently pulled a copy of my credit report that that your company publishes, and after reviewing it continue to find a number of items that are reported as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Your company discloses 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 do not respond to this complaint via mail, or email. Please upload all documentation to the CFPB portal. Your company routinely provides a status of verified for disputed accounts without providing any proof of verification. I have been requesting proof of the below accounts for over 2 years. Upon disputing the below accounts, information on the account is either changed by the furnisher without providing any documented proof, or your company simply responds with the account being verified. 1 specific example of such activity is XXXX XXXX XXXX I submitted a complaint to Experian, and was told by Experian the dispute was frivolous and would not be investigated, as the XXXX XXXX XXXX had verified the account. I only way that I was able to obtain a fair investigation of the account, was by submitting a complaint to the States Attorney Generals office : Which resulted in the removal of the account from my Experian credit report.

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 10 days of receipt of this complaint then you must remove these accounts from my credit report. I have reached out the listed companies and was advised they were not able to provide any contractual information, endorsements, or payment history. However, your company is advertising such information on my report. This behavior is a violation of my federal rights. This will be my last attempt to amicably resolve these issues. Please provide verifying documents of endorsement and contractual obligation, and payment history for the below accounts. 

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act ( Account, : XXXX Account # XXXX ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-22
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. (AL)

In accordance with the Fair Credit Reporting act ( Account, : XXXX Account # XXXX ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

A company Called XXXX XXXX did an unauthorized charge to my Debit card account with NAVY FEDERAL. I attempted to reach out to her in which she stated it was a mistake and she would refund. I then followed up with Navy Federal who stated they would investigate and be sure my funds where refunded back to my account. Upon investigation Navy Federal States that the charge was correct and my issue is that this in an unauthorized charge to my account and should be resolved. 

XX/XX/2022 XXXX XXXX ( XXXX  Georgia company ) amount XXXX Unauthorized
Consumer complaint received 2023-09-03
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. (AL)

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.

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 2022-10-03
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. (FL)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-02-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

XXXX  stated they where able to furnish my information to an unauthorized third party to unlawfully seize my vehicle. XXXX  also states that are able to infringe on my right to privacy due to the GLBA ( Gramm Leach Bliley Act ). The GLBA says XXXX ( the financial institution ) may not disclose non public information unless XXXX  has clearly and conspicuously disclosed to me and, I, the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX  continues to violate my rights as a federally protected consumer.
Consumer complaint received 2022-04-17
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: EQUIFAX, 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 the Fair Credit Reporting Act. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
List of accounts : 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 2022-08-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The inaccurate accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to TransUnion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$1700.00}