davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (NY)

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. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? Additionally, I contacted the bank and they agreed to remove the account from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have already disputed this account several times and stated that I am an identity theft victim. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this accounr from my file like the other bureaus have done. 

XXXX XXXX
Consumer complaint received 2022-11-16
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)

I submitted a letter to the XXXX Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-09
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: CREDIT ACCEPTANCE CORPORATION (TX)

I am writing to address the unresolved issue regarding my previous complaint against Credit Acceptance Corporation ( CFPB Report # XXXX ). Despite their response dated XX/XX/year>, in which Credit Acceptance Corporation stated, " Credit Acceptance has made a business decision to close your account and will submit a request to the three major credit bureaus to which we furnish information to update the account status as closed, '' they have not fulfilled this commitment.

Since their response, I have disputed the account with the three major credit bureausExperian, XXXX, and XXXX. However, in the most recent response from XXXX on XX/XX/year>, they reported that Credit Acceptance Corporation verified the account as accurate, continuing to reflect the account as open. This inconsistency demonstrates negligence on Credit Acceptance Corporations part, as they have failed to take the corrective action they promised.

The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus must be fair and accurate. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the furnishing of information to consumer reporting agencies if the furnisher knows or has reasonable cause to believe the information is inaccurate. 
XXXX XXXX. XXXX ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and to correct or delete inaccurate information after completing their investigation. 
XXXX XXXX XXXX failure to update my account status as closed, despite their explicit promise, and the subsequent verification of inaccurate information with the credit bureaus is a direct violation of these provisions. Additionally, this negligence undermines consumer trust and highlights a disregard for fulfilling commitments made to resolve disputes.
Consumer complaint received 2022-10-23
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. (CA)

I disputed a credit entry added by XXXX XXXX for Acct # XXXX in the amount of {$54.00} with XXXX, XXXX and Experian regarding a debt that is not mine and I do not owe. To date, Experian is the ONLY credit reporting agency that has not corrected this incorrect information on my credit report. I was not aware that the information was still on my credit report with Experian until I had a credit analysis performed and they informed me that this debt was still present. Experian never " adequately '' responded to the my correspondence disputing the debt, but did note that I disputed this information. XXXX and XXXX already removed this information as they confirmed that I do not own/owe this debt. However, Experian continues to show this debt on my credit report and refuses to provide any legally valid information supporting their decision to continue to report this negative information on my credit report and that supports the fact that I own/owe this debt.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It appears that my credit has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these Inquiries. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these Inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-23
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)

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score.

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX I was contacted by XXXX XXXX and told the debt was a joint Home Depot account with myself and my husband. I was awaiting a call from my hospital to go in for an XXXX and thought this was a scam as I do not have a Home Depot account. I told the caller I didnt know what he was talking about and hung up. I blocked the number so I could focus on waiting for my hospitals call. 

The man called back and got sent to voicemail. In the voicemail he said XXXX can thank you for putting him in this position and we wish you guys the best of luck come Monday morning. I found the voicemail XX/XX/XXXX and called the company back XX/XX/XXXX and spoke to a different employee. He confirmed it is not a joint account. From my understanding its illegal to lie about me being on the account and his voicemail seemed threatening as well. My husband also said he never spoke to this company and doesnt remember having a Home Depot card so hes unsure if its a valid debt.
Consumer complaint received 2022-09-27
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. (VA)

Before I start typing this message, I want to make sure that XXXX does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 

I contacted XXXX through CFPB in XXXX because the student loan # ending in XXXX that XXXX claims I have should have been relieved under the attorney generals settlement earlier this year. XXXX got back and reported that my cosigners FICO score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. 
I am requesting XXXX to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message. 
If XXXX can not provide me a copy of my Cosigners FICO score showing that my cosigners FICO score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if XXXX can not provide me the proof of that FICO score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. 
I will be waiting for XXXX to respond on this matter. ( THIS IS NOT A DUPLICATE ).
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2022-05-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 instruction.

15 U.S.C. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
Consumer complaint received 2022-09-16
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. (IL)

These credit bureaus aren't doing an investigation and asking for proper documentation to verify what their reporting is accurate. I'm asking for method of verification and I've submitted documents and I'm being told they can't accept my documents but they sent them to the companies. These credit bureaus make money off these companies reporting this information and have more priorities with them than the consumer. I would like to have a method of verification sent to me and I've yet to be provided this documentation. I have inquiries that aren't permissible and when I try and dispute them to get them deleted I'm told I have to file a police report or file a FTC complaint. The FCRA doesn't state this anywhere but yet the credit bureaus are allowed to use this false information as a way to not do a proper investigation. The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : FACTUAL DATA. 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 via FACTUAL DATA. Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Consumer complaint received 2022-07-29
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. (VA)

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX {$26000.00} ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXXXXXX XXXX Balance : {$28.00} ; XXXX  XXXX XXXX XXXX : {$34.00} ; XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (VA)

Before I start typing this message, I want to make sure that XXXX does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 

I contacted XXXX through CFPB in XXXX because the student loan # ending in XXXX that XXXX claims I have should have been relieved under the attorney generals settlement earlier this year. XXXX got back and reported that my cosigners FICO score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. 
I am requesting XXXX to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message. 
If XXXX can not provide me a copy of my Cosigners FICO score showing that my cosigners FICO score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if XXXX can not provide me the proof of that FICO score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. 
I will be waiting for XXXX to respond on this matter. ( THIS IS NOT A DUPLICATE ).
Consumer complaint received 2022-09-28
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. (FL)

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 XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

What happened is an ongoing problem of late fees and waiver of fees consistent since XXXX hospital stays on my behalf. My payments are recurring transfers from my XXXX Account to Wells Fargo from around the XXXX to the XXXX of each month. I go online and pay {$83.00} to the Wells Fargo credit card account. Each month I have paired they add a late fee between {$40.00} to {$43.00}. When I called they told me it was waived and courtesy of XXXX XXXX. Therefore, I pay the amount of {$80.00} to {$84.00} or less. Today, XX/XX/XXXX I called and asked them why my minimum due is {$120.00} or XXXX when XXXX ( a Wells Fargo Representative ) just told me on XX/XX/XXXX that my payment was {$83.00} in XXXX and subsequently. Plus my payment date will be the XXXX of each month rather than the XXXX of each month. 
The two representatives from Wells Fargo today told me something I have never been communicated with before. One said, the payment was wrong because the new {$43.00} was added on ; they are telling me it was deducted from my credit balance not my minimum payment balance. Prior to this all payments were credited with the {$43.00} waiver fee, noted under code # : XXXX do not understand plus I have credit available on the card and every month they taking off then putting back on. Now they are saying if I pay the {$120.00} for XX/XX/XXXX by XXXX of XXXX my payment will decrease again.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.