davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (UT)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-08-27
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: ENCORE CAPITAL GROUP INC. (KY)

Midland credit management refusing to remove debt I am writing to formally file a complaint against Midland Credit Management , Inc. regarding their debt collection practices. Midland Credit Management is attempting to collect a debt from me in the amount of over {$2000.00}, which I believe is inaccurate and not owed. 

Despite my repeated requests for validation and clarification of the debt, Midland Credit Management has failed to provide adequate documentation or proof of the debts validity. Additionally, their aggressive and harassing tactics have caused significant stress and XXXX, impacting my overall well-being. 

I have made efforts to resolve this matter directly with Midland Credit Management, but they have been uncooperative and unwilling to provide the necessary information to substantiate their claims. Their actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), and I believe they are engaging in unfair and deceptive practices. 

I am requesting that the Consumer Financial Protection Bureau investigate Midland Credit Managements actions and take appropriate measures to ensure that they comply with federal regulations. I would also appreciate it if you could assist in having this debt removed from my record, as I believe it is unjust and unsubstantiated. 

Midland Credit Management , Inc . 
Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX Direct dates XX/XX/XXXX Sever dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-08-27
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. (IL)

I submitted a complaint on XXXX XXXX XXXX, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within XXXX business days. 

I have identified the following fraudulent accounts on my Experian report, and they were not promptly removed : XXXX Account # : XXXX - Original Balance : {$1300.00}, Balance : {$2700.00} XXXX Account # : XXXX - Balance : {$2000.00} XXXX Account # : XXXX - Balance : {$5500.00} XXXX Account # : XXXX - Balance : {$2700.00} XXXX Account # : XXXX - Balance : {$3100.00} XXXX Account # : XXXX - Original Balance : {$1300.00}, Balance : {$2700.00} XXXX Account # : XXXX - Original Balance : {$5000.00}, Balance : {$13000.00} XXXX Account # : XXXX - Original Balance : {$1500.00}, Balance : {$3100.00} XXXX Account # : XXXX - Original Balance : {$3800.00}, Balance : {$7900.00} XXXX Account # : XXXX - Original Balance : {$1300.00}, Balance : {$2700.00} XXXX  Account # : XXXX - Original Balance : {$2600.00}, Balance : {$5500.00} XXXX  Account # : XXXX - Original Balance : {$2300.00} XXXX Account # : XXXX - Balance : {$1100.00} XXXX Account # : XXXX - Original Balance : {$870.00} XXXX Account # : XXXX - Original Balance : {$2600.00} XXXX Account # : XXXX - Original Balance : {$870.00} XXXX  Account # : XXXX - Original Balance : {$2600.00} XXXX Account # : XXXX - Original Balance : {$5500.00} XXXX Account # : XXXX - Original Balance : {$870.00} I spoke with a representative from Experian who informed me that these accounts would be blocked and removed. However, they have not been removed, which is a clear violation of 15 U.S.C. 1681c-2. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reviewed my consumer reports and notice that I had a 30-day late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payment for the account XXXX with account number : XXXX. Please investigate and provide proofs with statements showing that the payment was late. If a proof can not be provided, I demand these 30 days late payment be updated to ON TIME as it should be because I never been late. Thanks
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This Vehicle was involved in a car accident not at my own fault XXXX XXXX. As a result the car was towed and later totaled by insurance. In the months of XXXX, XXXX AND XX/XX/year> Payments were still made on this loan in full by bank auto draft even without the car being in my possession due to the major accident.XXXX  XXXX also notified me when contacted by me that my car had been repossessed the day after payment due date even after a payment was made. As proof on my payment history I have always paid XXXX  XXXX and one time every time. Even without the car in my possission due to auto accident.As a result I was reported to credit bureau for negative response.
Consumer complaint received 2024-08-27
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. (DE)

I have a late payment on my credit report. The late payment is on an old car loan for XXXX XXXX XXXX account number XXXX. The late payment was for XX/XX/year>. I was never late for any payments regarding this account which I also have a letter sent directly to me from XXXX XXXX XXXX ( Creditor ), also confirming that I've never missed a payment which I will include in the complaint. I've also sent the letter that was sent to me from XXXX XXXX to the credit bureaus who still refuse to correct late payment. The letter was sent to me so that I can get late payment corrected by credit bureaus.
Consumer complaint received 2024-10-23
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. (FL)

Personal Statement Regarding Identity Theft I am writing to report that the following accounts were fraudulently opened in my name without my knowledge or authorization. Upon reviewing my credit reports, I discovered these unauthorized accounts, which I believe are the result of identity theft : XXXX XXXX, Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX, Account : XXXX XXXX  XXXX, Account : XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX  XXXX, Account : XXXXXXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX, Account : XXXXXXXX XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX, Account : XXXX XXXXXXXX XXXX XXXX, Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX, Account : XXXX / XXXXXXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX I did not authorize any of these accounts, and I am not responsible for them. I am a victim of identity theft and request that these accounts be thoroughly investigated and removed from my credit report as they are fraudulent. 

Additionally, these fraudulent accounts have led to several unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the specific hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you that displays these fraudulent items. I do not recognize the listed accounts, collections, or hard inquiries, and I affirm that none of them were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

As further evidence, I have attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) to confirm that the fraudulent accounts, collections, and hard inquiries were filed with the U.S. Federal Trade Commission as identity theft-related.

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

Please advise me on the necessary steps to resolve this issue and correct my credit report accordingly. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
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. (AZ)

On XX/XX/year> I sent XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/year> I sent XXXX, Experian, XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-10-21
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-21
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. (MI)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-08-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

XXXX is reporting that on the months XXXX, XXXX, & XXXX I have 3 missed payments which is untrue I have never missed a student loan payment and this is hurting my credit score tremendously. Please remove these late payments because they are inaccurate
Consumer complaint received 2024-10-21
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.
Consumer complaint received 2024-10-22
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. (GA)

I'm not sure when these accounts were added to my credit reports but I noticed a couple weeks ago its been years since Ive applied for any credit. I've faced a few financial difficulties over the last few years and I reached my limit with savings. I have to get a line of credit or a loan of some kind to help me through this post Pandemic and high inflation time I'm in. I always check my reports before applying for any kind of credit or loans because Ive been surprised in the past with what was reporting on my credit reports. Here we are again with sooo many accounts not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reach out to Transunion, XXXX and XXXX on my behalf because all of these accounts show on what they're reporting in some way.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-21
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-22
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. (WV)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ] Creditor Name ( XXXXXXXX XXXX  ) Account Number ( XXXX ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-21
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.