davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-10-27
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: EQUIFAX, INC. (NC)

Subject : Repeated Reinsertion and Failure to Investigate Unauthorized Account on Credit Report To Whom It May Concern : I am submitting this letter to formally request assistance with an ongoing issue regarding an unauthorized XXXX XXXX account ( account number XXXX ) that repeatedly appears on my Equifax credit report. I have disputed this account on XXXX separate occasions, and each time Equifax initially removed it from my report. However, XXXX XXXX continually reinserts the account without providing me with a required reinsertion notice, and Equifax has not conducted an investigation, as mandated by law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax is required to notify me within five business days of reinserting any disputed account. Equifax has not provided such notification, leaving me unaware of the repeated reinsertions until I review my credit report independently. This lack of notice is a direct violation of my rights under the FCRA.

Furthermore, Equifax has not conducted any investigation of the reinsertion as required by 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable investigation when a consumer disputes an account. Equifax 's failure to perform this basic duty has deprived me of the opportunity to verify the legitimacy of this disputed account, which I maintain is fraudulent. 

Additionally, as this XXXX XXXX account is the result of identity theft, Equifax is obligated to block this account from appearing on my credit report once I have provided sufficient documentation. According to 15 U.S.C. 1681c-2, a consumer reporting agency must permanently block information stemming from identity theft upon receiving a police report or affidavit. I have submitted this required documentation, yet Equifax continues to allow the account to reappear.

Given these serious violations of the Fair Credit Reporting Act, I am requesting that the CFPB enforce Equifax 's compliance with the following : Proper notification of reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

A thorough investigation of the disputed account in accordance with 15 U.S.C. 1681i ( a ).

Immediate and permanent blocking of the account per 15 U.S.C. 1681c-2 due to identity theft. 

Thank you for your attention to this matter. I appreciate your assistance in holding Equifax accountable to protect my credit and prevent further harm from this identity theft..
Consumer complaint received 2024-10-30
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. (IA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These Remark have been detrimental to my life and credit health.
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (OH)

I tried to make a credit card payment {$89.00}. The credit card company tried to take {$2600.00} out of my checking account 3 times so far. 

I talked to the bank. I resendit my authorization for them to pull money out of my account. 

I had my bank put a stop payment on the transaction. 

Stop Pymt Reviewed- Item Paid CITI CARD ONLINE RETRY PYMT XXXX WEB ID : CITICTP - {$2600.00}
Consumer complaint received 2024-10-29
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Laws to Use to Remove Collections : Collection Agency has not provided validation Information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on your consumer report You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2024-10-30
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. (CA)

1. Credit Report Dispute : Consumers have the right to dispute any inaccurate information on their credit report. The credit reporting agencies must investigate the dispute and correct any errors within 30 days. 

2. Inaccurate Account : If a consumer finds an inaccurate account on their credit report, they have the right to dispute it with the credit reporting agency. The agency must investigate the claim and remove any inaccurate information. 

3. Fraud : If a consumer suspects fraudulent activity on their credit report, they should report it to the credit reporting agency and the creditor immediately. The FCRA provides protections for victims of fraud, including the right to place a fraud alert on their credit report. 

4. Identity Theft : If a consumer is a victim of identity theft, they have the right to request a free copy of their credit report and place a fraud alert on their account. The FCRA also allows consumers to place a security freeze on their credit report to prevent unauthorized access. 

Overall, the Fair Credit Reporting Act is designed to protect consumers from inaccurate information, fraud, and identity theft in their credit reports. It is important for consumers to regularly review their credit reports and take action to correct any errors or fraudulent activity.
Consumer complaint received 2024-10-30
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. (MI)

XXXX account was flagged for fraud and removed from XXXX. Failure to remove from other reporting agencies. 
Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
XXXX finalized the investigation and deleted the file while Transunion never investigated the issue As well as signer of card day it was opened
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I know 15 USC 1611 XXXX Trans Union and XXXX is criminal obligated. They are officially obligated by the XXXX management of money changes as per 15 USC 16 1640 for more. They are in risk of each other about FDCPA in XXXX XXXX XXXX. I requested that they eliminate XXXX 15USC 1692 It is likewise publicizing to certain installments which is not allowed. I am requesting that you remove these transactions immediately because it is infringement of my ability t S a government product purchase protected purchases under the title 15 USC 41 concerning record recorded on underneath a customer. I am requesting cancellation of these records under the consumer protection bureau, state attorney, Federal trade commission State Attorney General Us Senate federal deposit insurance corporation reserve system insurance Federal Trade Commission state attorney generall XXXX
Consumer complaint received 2024-10-30
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. (MI)

Transunion was told XXXX  months ago to investigate XXXX for fraud Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
XXXX finalized the investigation and deleted the file while Transunion never investigated the issue
Consumer complaint received 2024-11-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I contacted Harbor freight credit card customer service on XX/XX/year> because I received a email saying that my payment did not process. I spoke to XXXX a supervisor at Harbor freight credit card customer service who said she corrected the issue and processed the payment to the correct bank account on on my account and that she removed the late fee and she gave me a confirmation number and she said that it would be updated within 24 hours. Now today is XX/XX/year> and my account is still showing that theres a balance when it was supposed to be corrected to a XXXX balance after my final payment was made.
Consumer complaint received 2024-10-30
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. (CT)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-30
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/year>XXXX  SS # : XXXX date:XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to file a complaint about an account that does not belong to me and is inaccurately reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is with [ name of the financial institution or bank listed on the report ] and has been incorrectly associated with my name. This error has negatively impacted my credit score and my ability to access credit and other financial services. According to the FCRA, specifically Sections 611 and 623, I am entitled to accurate information in my credit report. 

Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX Current Reported Balance : {$9900.00} I have attempted to resolve this inaccuracy directly with the financial institution and the credit reporting agencies, but I have not received a satisfactory resolution. Under Section 611 of the FCRA, I have the right to have this incorrect information investigated and corrected in a reasonable timeframe. Furthermore, Section 623 of the FCRA requires that data furnishers report only accurate and verified information in consumers credit histories. 

Enclosed with this letter are copies of my identification and other relevant documents that may assist in verifying my identity and supporting my claim. I appreciate your assistance in rectifying this error and ensuring compliance with the FCRAs accuracy and precision requirements. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (NC)

Subject : Request for Documentation of Investigation Procedures and Results - Complaint # XXXX To Whom It May Concern : I am reaching out regarding my complaint ( # XXXX ) to formally request detailed information on the investigation conducted by Equifax concerning the disputed XXXX XXXX account ( account number : XXXX ). As this account is unauthorized and a result of identity theft, I am seeking clarity and transparency on the steps taken by Equifax in handling this dispute. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to certain documentation and information related to this investigation. Specifically, I am requesting : Results of the Investigation : As mandated by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ), I request a summary of the investigation results, including any reasons for maintaining or modifying the disputed information on my credit report.

Sources of Information : In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), please provide the names and contact details of the original creditor or any third-party data furnishers involved in XXXX investigation of this account.

Verification Documentation : I am requesting any records or documentation Equifax reviewed to verify the disputed account. While the FCRA requires credit bureaus to obtain information from data furnishers during investigations, having access to these records would clarify the investigative steps taken.

Procedures Followed : Under 15 U.S.C. 1681i ( a ) ( 7 ), I request a description of the procedures followed by Equifax in their investigation, including the specific steps taken to verify the accuracy of this information.

Notice of Reinsertion ( if Applicable ) : Since this account has been repeatedly reinserted after prior removals, I am requesting documentation on any notifications provided by Equifax as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). This should include the dates of reinsertion and the basis for each reinsertion.

I am seeking this information to ensure compliance with my rights under the FCRA and to support the resolution of this ongoing issue. I appreciate your assistance in obtaining these details to clarify the investigative process and ensure that Equifax has fulfilled its obligations under federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I had a lapse of insurance from XXXX - XX/XX/XXXX for about XXXX weeks. The bank added an insurance policy in XXXX and adjusted the monthly payment. I added my own proof of insurance and the monthly payment was adjusted again and lowered to account for the credit. The issue I have is the payment change and interest charged. In the bank statement it shows {$8300.00} total owed before the XXXX  ( insurance ) added. Then {$9400.00} with XXXX, then adjusted with a credit to {$7900.00}. The insurance lapse is only {$120.00}. My payment went from approximately {$530.00} to {$670.00} for the remaining months on the loan, due to mature XX/XX/XXXX. This accounts for {$7900.00} due in XXXX but only paid for from XXXX XXXX XXXX causing the dramatic increase. it's not fair to be charged an extra {$140.00} per month for a one-time {$120.00} fee.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

On XX/XX/year>, I contacted AmSher Collections by phone to request verification of a debt they are reporting on my credit report. During the call, I requested proof of the debt, including any signed contract or agreement proving that I owe this amount. Instead of receiving assistance, I was hung up on during one call and treated unprofessionally on another.

On the same day, I also mailed AmSher a certified debt validation letter requesting proper documentation and proof of the debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts, I have not received any verification of the debt, nor have they provided documentation to substantiate the legitimacy of their claim.

This account continues to harm my credit, even though AmSher has failed to provide proof that it is valid. I am requesting that the CFPB intervene to ensure AmSher complies with the FDCPA and removes this unverified account from my credit report. 

Please remove this account from my credit profile with all three credit bureaus immediately, as this is not my account. Despite my disputes, this company continues to place this inaccurate information on my profile. 

I urge you to review their XXXX reviewsmany consumers have reported similar issues. Yet, this company is still allowed to report on behalf of consumers. Their actions are fraudulent, and if this pattern continues, it is only a matter of time before a class-action lawsuit is filed against them for exploiting and misusing credit reports. 

- XXXX XXXX XXXX