davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

In reference to case # XXXX. Again, I am requesting VALIDATION not VERRIFICATION. A bill or statement does not prove that I owe this Debt. I want you to show me contract with the original creditor and/or resurgent with with my wet signature binding me to this debt. I have never did business with you so you should not be contacting me. I have a right to privacy, according to the fdcpa and fcra. you contacting me and saying something I don't know is harassment. I don't have an obligation to pay anyone that I do not owe. I am demanding that information. In addition, according to 15 USC 1681b ( a ) ( 2 ) permissible purpose, I have never given resurgent or the supposedly original creditor any written instruction to furnish anything on my consumer report. Please send me proof of that with my written instruction and my signature. You claim that you enclosed the original contract with my signature but I don't see it. I am not requesting verification, I want validation. If you cant prove this to me you need to cease collection. I don't want to see a bill/statement I want to see an obligation connecting me to this debt.
Consumer complaint received 2022-12-16
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (MI)

I filed a complaint to block information identified as identity theft and there is information that is still not blocked. I filed the complaint with XXXX, and XXXX on XX/XX/2022, and with Equifax XX/XX/2022. The complaint numbers are : XXXX, XXXX, XXXX. The companies have removed some information but there is still information as a result of identity theft on my report. DO NOT FILE A DISPUTE ON MY BEHALF. As this is not a request to dispute, this is a request to block information on my consumer report. 

I have called countless times to resolve this matter and only small success. The companies do not have my consent to report anything on my consumer report. I will attach the original FTC report and documentation.
Consumer complaint received 2022-08-14
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. (IL)

To whom it may concern : I have received a copy of my Equifax credit report and I noticed some late payments posted on my credit reporXXXX XXXX XXXXXXXX XXXX  Loan Account number XXXX XXXX XXXX XXXX  Loan Account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer rights the law clearly states ( a ) In GENERAL Subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( I ) exclusions from a consumer credit report clearly states ( 2 ) Exclusions-except as provided in paragraph three the term consumer report does not include ( A ) subject to section 1681 of this title Any report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily deletion of the above referenced account and sent out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for 1. Defamation of character 2. Negligent embroiment of identity fraud 3. Fair debt collection practice ax 15 USC violations 4. Fair credit reporting act 15 USC 1681 violation for willing full noncompliance civil liability for willing for noncompliance 15 USC 1681
Consumer complaint received 2023-03-20
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. (NJ)

Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Dear Sir/Madam, My name is XXXX XXXX , I am an American citizen living in XXXX. XXXX has been my home since I was XXXX years old and today I am XXXX years old. Last year I started a company called XXXX XXXX XXXX and plan on moving to New York sometime next year in order to grow the business. 
I ordered my free annual credit reports from all XXXX credit bureaus to make sure everything was ok and to my surprise there are almost XXXX closed accounts on my report. 
Someone has been opening accounts under my name, using them, dumping them on opening new accounts for the past XXXX years. 
As I mentioned earlier, I am in XXXX so it is extremely difficult to get in touch with law enforcement in order to open a case and find the perpetrator of these illegal acts. 
As a proud American who wishes to come home within the next year, how do I get my reports corrected? I am at the stage where I need to start building business credit and in order to do so, I have to also build my personal credit however with all these negative accounts under my name, it seem highly unlikely. 
I could contact XXXX of my lawyers to go at this but instead, I'd rather we find a solution together as I believe these wrongs can be corrected. 
Can you please assist me in this matter? 

Regards, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made the required payment on time, as reflected by my bank statement. I have attached a copy of my bank statement, showing the payment was made before the due date, yet it was incorrectly marked late.

No Late Payment Notice : I never received a notification or statement indicating a late payment or any penalty associated with a late fee. This suggests that the payment was not considered late by the creditor at the time.

Processing Delay on Creditors End : The payment delay resulted from a processing error on the creditor 's end, which should not reflect poorly on my credit history. The payment was processed late through no fault of my own. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

Significant fees were charged on a number of different dates while account was low. I had money in one of the other accounts I have with the bank and I'm usually given a short grace period to transfer funds. Not on this occasion. When I spoke to the rep on XX/XX/30, she said that i had funded the account within the grace period, but another ACH hit the account so that makes the account eligible for all the previous fees. I asked why that wouldn't restart the grace period clock for the ACH and she replied that it would. I challenged her on the circle talk and she got defensive.
Consumer complaint received 2024-12-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

To KIA RE : Form 1099-C Cancellation of Debt I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your XXXX XXXX XXXX don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Consumer complaint received 2022-07-04
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)

XXXX, XXXX, TransUnion, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX TransUnion LLC CFO, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period. 

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 
The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-14
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 Convergent Account XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX  OPENED XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

15 U.S.C 1681 section 604 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 take 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 1681-2 ( 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 accurate
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms. 

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-02
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: CBC Companies, Inc. (IL)

In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. 
My account was properly investigated, according to the credit bureau, but how is that possible when the open date, date of last activity, and date of last report are all incorrect? This ground for evacuation likewise abused my freedoms under.I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A.Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account.Additionally, it took the credit bureau more than a month to finish my investigation. Here is my certified mail.tracking # XXXX