davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I initially started disputing information on my credit report with all 3 of the major credit bureaus : TransUnion, XXXX and XXXX on XX/XX/year>. I requested an investigation for multiple accounts, and after disagreeing with the results, I requested a reinvestigation. I also requested details in regard to the process that was used to 'verify ' these accounts in writing e.g. Names of whom they spoke to, phone number to the creditors, addresses, supporting documents, etc. To present day, XX/XX/year>, I still have not been provided with such information. There are inconsistencies with multiple accounts across all XXXX credit bureaus, which is why I find it hard to believe that anything was verified.
Consumer complaint received 2024-08-29
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. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-13
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. (MI)

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 : STATE OF MI OFFICE CHI : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1900.00} 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 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

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 2024-08-13
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-13
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. (OH)

TRANSUNION I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} **Inquiries** XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2023
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2023-06-07
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: Consumer Collection Management. Inc (MO)

XX/XX/2023 Subject : Request for Deletion of Collection with Forward Follow Agreement Consumer collection management I hope this letter finds you well. I am writing to formally request the deletion of my collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between waterfront and Consumer collection management As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with XXXX XXXX XXXX the account number XXXX. 

The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ]. According to my records, the accurate date of last payment is [ Correct Date ]. 
6. Payment History : The payment history across all three major credit bureaus is incorrect. 
7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681c ( a ) ( 4 ), charge-offs must be reported accurately and should not appear on my credit report beyond seven years from the date of the charge-off. Moreover, listing multiple charge-offs on my credit report can improperly extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft.

I request that you conduct a thorough review of the disputed information and delete these inaccuracies. Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly.

Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-13
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. (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 XXXX  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. these are the accounts : XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-07-22
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. (CA)

I have contacted XXXX several times along with written letters as well as online disputes. I have informed them that I have been a victim of identity theft. They have refused to send me evidence of information being verified. Along with I have also told them that creditors such as XXXXXXXX XXXX XXXX claims they do not report to the credit bureaus, which is a lie because they are clearly reporting on my credit report also the fact that I told them that it isn't my account and needs to be removed immediately. Also I have called and disputed the ridiculous amount of XXXX inquiries. I have sent them a letter telling them that according to 15 U.S code 1681 I didnt give permissible purpose for the following items to be reported on my credit report let alone I was a victim of identity theft. 
So these items need to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX : # I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

Resources ====================================== Grab Your Credit Report With For {$1.00} For 7 Day Free Trial XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  Date Opened XXXX, XXXX XXXX {$450.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$26000.00} Inquiries XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 2023
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me XXXX days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report.

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX  XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n XXXX XXXX because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Consumer complaint received 2024-08-13
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I had a XXXX XXXXXXXX XXXX XXXXXXXX that I paid religiously every month. I was never late on any payments, in fact, I always paid my card in full almost every month. I made XXXX payments that were XXXX payments. I had forgotten that I had put a XXXX block on my bank account due to the fact that I was a victim of identity theft. XXXX XXXX stated that even though I was never late, and in fact overpayed, that due to the XXXX payments being returned that they were closing my account. I tried to reinstate it, but was told that I they were not going to reinstate it. They also informed me on the phone that it would report on my credit as closed by consumer. XXXX is reporting it as a paid loan, however, Equifax has decided to take it upon themselves to illegally report it as closed by the grantor with a XXXX balance, thus dropping my credit score by XXXX points. Equifax REFUSES to assists with fixing anything on credit reports, unless they are compelled to do so. Equifax also falsely reported on my credit that I have no revolving accounts, when in fact, I was approved for a credit card through XXXX  XXXX XXXX, and I do have an account with them. XXXX XXXX also offered me to reapply with them to get a new card, but I declined and opted to go with XXXX XXXX instead. I actually was offered a credit line increase by XXXX XXXX XXXX  prior to their closing of my account, since I was such a loyal customer. I didnt want a credit line increase as I was trying to be responsible with my credit. XXXX XXXX offered me better terms and rates, whereas XXXX  XXXX is for somone who is attemting to repair their credit. Its also worth noting that XXXX XXXX had just sent me a {$200.00} check in the mail prior to this. My credit score has suffered due to Equifax falsely reporting, even though I was a loyal customer to XXXX XXXX and was NEVER late on my payments. When they informed me that they were closing my card, I paid it in full immediately. I understand that XXXX XXXX 's were declined by my bank, that stil never resulted in my being late on my payments, and would not have happened had I not had been a victim of identity theft and was forced to block my XXXX 's as a result. I do have a police report as well. The business practices that Equifax is implementing are uscrupulous and unlawful! I did recieve an email from XXXX XXXX stating that they were going to report on my credit as closed by Grantor, but again, I was promised on the phone that they would report as closed by customer. This should not consitute such a large hit to my credit report. I want XXXX XXXX XXXX  to honor what they promised, but I am thinkning that they did because XXXX has it reported as a loan that was paid in full. Since XXXX reported it as a paid loan, I believe this proves that Equifax intentionally reported this as a negative entry on my report.