davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (TX)

Subject : Request for Deletion of Accounts Violating My Rights Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to bring to your attention certain accounts on my credit report that have been reported inaccurately and have violated my rights as outlined by Cornell Law. 

As per my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant legislation, I kindly request the immediate deletion of the following accounts from my credit report : Account # XXXX Account # XXXX, account # XXXX Account # XXXX, account # XXXX, account # XXXX account # XXXX account # XXXX These accounts have been reported in violation of my rights under Cornell Law, specifically has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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. The inaccurate reporting and violation of my rights have caused significant harm to my creditworthiness and financial well-being.

I have taken the necessary steps to address these issues directly with the respective creditors, but the inaccurate information continues to negatively impact my creditworthiness. Therefore, I kindly request your immediate intervention in removing these accounts from my credit report.

Enclosed with this letter, please find copies of supporting documentation highlighting the inaccuracies and violations for your review and reference. I trust that you will conduct a thorough investigation into these matters and take appropriate action.

In accordance with FCRA guidelines, I request written confirmation of the deletion of these accounts from my credit report within 10-17 business days. Additionally, I request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

I appreciate your prompt attention to this matter and your cooperation in rectifying the inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America ( second lien holder ), XXXX,, and XXXX are reporting this mortgage account as open and late which is incorrect. This mortgage account was actually foreclosed and closed which occurred back in XX/XX/XXXX. Since that point, Bank of America has not reached out to me to remedy the situation. The loan was reported foreclosed and closed by Bank of America, XXXX, and XXXX. On XX/XX/XXXX, Bank of American purchased the home due to it being the second lien holder and sold the property at auction. On XX/XX/XXXX Bank of America began maliciously reporting the loan as a charge off. I filed a complaint with XXXX and they reported the account as valid which was incorrect. On XX/XX/XXXX Bank of America maliciously reported the account as open and being 180 days late which is incorrect. I filed a complaint with XXXX again and was told the reporting was valid. I contacted Bank of America and was not able to receive an explanation for the malicious reporting. This mortgage account was a second mortgage and was executed on the same day as the first mortgage. The first mortgage is closed and has the correct status. The execution date was XXXX XXXX, XXXX. This was a XXXX 80/20 loan product and was purchased entirely by Bank Of America in XXXX. Bank of America made itself the second lien holder in order to maliciously attack my credit file if this loan ever defaulted. This second mortgage loan was used to purchase the property and should have gone away like the first mortgage due to the property foreclosing. I want Bank of America to cease this malicious reporting practice and make this right.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
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. (TX)

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 2023-09-29
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-29
Product: Credit reporting 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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-09-29
Product: Credit reporting 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 XXXXXXXX,, 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.

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 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-05-14
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. (CA)

On a letter dated XX/XX/2019 I had requested pursuant to Section 609 ( a ) ( 1 ) ( A ) for TransUnion to provide physical verification of the item on my credit report listed as BK Court XXXX California I had also objected to two hard inquiries on my report that were not authorized. One by XXXX XXXX XXXX and the other by XXXX XXXX. I sent this letter certified return receipt and it was delivered XX/XX/2019. I received a letter back dated XX/XX/2019 stating that the results had been verified as accurate. However TransUnion never provided physical verification as required by law. 

On a letter dated XX/XX/2019 I submitted a second letter pursuant to section 609 ( a ) ( 1 ) ( A ) requesting additional information and again for them to provide physical verification as required by law. Again I sent the letter via certified return receipt and it was delivered on XX/XX/2019. On a letter dated XX/XX/2019 TransUnion advised that the item in question as listed above was verified as accurate. But again as per the law they did not send me the required physical proof that they have in their files. At this point they also told me that I had requested to opt out of their promotional list which I had not requested. 

On XX/XX/2019 I submitted a third written request. I sent this letter certified return receipt. It was delivered on XX/XX/2019. I received a response back from TransUnion telling me they were unable to determine the nature of your request or your request was illegible. Therefore stalling an additional month before I could again ask them to abide by the law and provide physical proof that they have in their files that this item does in fact belong to me with my signature on it. 

On the last and final letter dated XX/XX/2019 I submitted a fourth letter. In this letter I have asked that all unverified information be deleted as required by law per the FCRA Section 609 ( a ) ( 1 ) ( A ).  I sent this letter certified return receipt which was delivered and signed for on XX/XX/2019. On XX/XX/2019 I received a letter back from TransUnion telling me that the investigation results had INFORMATION UPDATED. However they did not list what was updated, or provide me that much needed key lawful piece of physical documentation. allowing them to report the item in the first place.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. Additionally, I sent a letter to dispute with " XXXX XXXX XXXX XXXX  and the dispute address was invalid as the mail was returned to sender ( Picture attached ) Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Therefore the " XXXX XXXX XXXX XXXX  needs to be deleted because the information is inaccurate.

According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete accounts if it isn't reporting accurately.

Also. 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.

Lastly, these accounts arent in compliance with metro 2 credit reporting. I have evidence to prove my case.

If your company doesnt honor my request to remove the above-mentioned alleged accounts, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-28
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-28
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. (FL)

I want this deleted off my report because I have not gave right to disclose non personal information to non affiliated third parties GRAMM-LEACH-BLILEY ACT , 15 U.S.C. SEC. 1602 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have not supplied institution to disclose non public information under doctrine GRAMM-LEACH-BLILEY ACT , 15 U.S.C. SEC. 1602 therefore I request deletion of this account off my report
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

Please help! I was alerted Discover Card reported my account 30 days past due. However, my account is close but for the last 36 months I have been making payments by auto draft to payoff the balance as with agreement with Discover. When I called I was told that they sent notification via email tht one last payment was due. However, when I asked speak with a supervisor ( XXXX ), I was told not email was sent to notify me my last payment was due. All is this is concerning because I never received a statement to say {$21.00} and some change was due, they never called me to say the payment was due nor did they ever email me to say the amount was due. Discover has all the correct contact information as it was verified today XXXX. Lastly, they could have easily taken the final payment out of my checking account as they have been for the last 36 months. Reporting my account as 30 days past due was done with malice. 

Discover Card has validated the Fair Debt Collection Act. and my rights as a consumer.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

Hello my name is XXXX XXXX, Okay so I opened up my very first account with XXXX XXXX, I applied for the secured credit card with the minimum XXXX $ deposit I deposited XXXX $ & the 3 months later I was able to get another secured card from XXXX  XXXX & I deposited XXXX $ for that one. In just a about a year my credit was great & was building up also because I got my first car which was financed it was a XXXX XXXX XXXX XXXX $ which I never made any late payments on neither did I ever make any late payments on my credit cards either. Then right before I was booking a trip to the XXXX XXXX since i had not seen my family in about 7 years i spontaneously got both my cards canceled & when I called the bank to ask why they canceled my accounts they didnt give me a reason & told me I still had to pay my remaining balances which were only 30-40 % out of my limit but I even asked if I payed it off which in total was like 7 or 800 $ if they would reopen my accounts & they told me no & that I am welcome to re apply for another card.. so honestly being that I was leaving in a week to see my family I didnt even want to care about that anymore & I thought I would be able to handle it when I got back but I ended up staying there for about 6months & that ruined my credit which I why I am in the situation that I am in now & id really love a miracle.