davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (AL)

A XXXX account was opened in my name in XX/XX/XXXX. I closed my previous account with XXXX XX/XX/XXXX with a XXXX balance. I was contacted by CBE Group in XX/XX/XXXX in an attempt to collect {$200.00}. After disputing the claim by sending in the required documentation, I was told this was an error on the biller 's part and it would be resolved. After experiencing several months of XXXX XXXX score exceeding XXXX ; it dropped to XXXX in XX/XX/XXXX. Upon investigation, I learn that this debt collection had been reported to the credit bureaus by XXXX. The current debt is {$210.00}. I am currently seeking relief.
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A. (NJ)

Credit inquiry from XXXX XXXX XX/XX/23 isn't mine Credit inquiry from XXXX XXXX on XX/XX/23 isn't mine Credit inquiry from PNC on XX/XX/23 isn't mine Credit inquiry from XXXX on XX/XX/23 isn't mine
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

I have made several attempts with TransUnion to investigate these accounts the following accounts. ( XXXX - XXXX, XXXX XXXX XXXX, and XXXX XXXX ). However, they stated everything was complete and accurate. This is erroneous, because the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 

XXXX XXXX XXXX Shows the account was open XX/XX/XXXX, but TransUnion showXXXX. Also XXXX Shows date of last activity XX/XX/XXXX, but TransUnion shows XX/XX/XXXX XXXX XXXX - XXXX shows open date XX/XX/XXXX, but Transunion shows XX/XX/XXXX. Also Transunion shows last payment XX/XX/XXXX, but XXXX shows last payment made XX/XX/XXXX. 

XXXX XXXX shows the account was open XX/XX/XXXX, however Transunion reports the account was open XX/XX/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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. Please review attached evidence to prove my case.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX XXXX balance XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : -30 Day late payment XX/XX/XXXX -30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX informing them of the inaccuracies reported in my credit.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute an unresolved issue regarding the investigation of a late payment dispute on my credit report. It has come to my attention that TransUnion has violated my rights by failing to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I submitted a dispute regarding a late payment entry on my credit report. As a responsible consumer, it is my right to ensure the accuracy and fairness of the information reflected in my credit history. I provided all the necessary supporting documents and requested a thorough investigation into the matter. 
Despite my efforts and your obligation under the FCRA, I have not received a satisfactory response to my dispute. The lack of a comprehensive investigation is not only a violation of my rights but also undermines the integrity of the credit reporting system. 
I kindly request that you rectify this situation immediately by conducting a diligent and unbiased investigation into the disputed late payment entry. I expect a prompt response detailing the actions taken and the outcome of the investigation. Additionally, I request the removal of any inaccurate or unverified information from my credit report, as per my rights granted by the FCRA. 
Please be aware that, as a consumer, I am well aware of my rights under federal law. If my concerns are not addressed adequately within [ 30 days from the date of this letter ], I will be left with no choice but to escalate this matter further, which may involve filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies available to me. 
I trust that TransUnion will take this matter seriously and handle it with the utmost urgency. Your cooperation in resolving this dispute promptly will be greatly appreciated. 
Thank you for your immediate attention to this matter.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLIANT CREDIT UNION (MI)

On Friday XX/XX/XXXX, I mailed a check for {$500.00} to the State of Michigan for the purpose of playing for state taxes. It appears that this check was stolen out of the mail, and the contents were written over with a new amount of {$5100.00} and written out to someone named XXXX XXXX. I have no idea who this person is nor have I ever made out a check for that large amount and never to an individual. Alliant Credit Union did not flag this transaction and I did not have a notice for this until the transaction was completed on XX/XX/XXXX. I contacted Alliant where the representative stated this will entail a 30-90 day transaction and the bank will consider crediting me this account in 10 business days. This amount stolen from me is so large it is financially crippling to me and I can not wait that long. Alliant Credit Union had an image of this check on the list of transactions for my checking account which I would have attached to this complaint, however this has since been deleted by the credit union.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

XXXX XXXX purchased my account from XXXX on XXXX XXXX 2017 and did n't contact me once and then XXXX XXXX 2017 I received a notification from my credit report that my score had fallen due to a debt collector. I had never heard from them nor received any warnings. 

XXXX XXXX XXXX showed up on my credit report one day without any notification. I called in to see what the problem was and was told that they had not attempted to contact me due to an address error? So instead of looking into this, they notified the credit bureaus with a negative file. 

I attempted to contact them multiple times and without fail the women on the phone told me there was nothing I could do and that even if the amount was disputed, they still would n't contact the credit bureau to notify them of wrongdoing on their part. I 'm aware that there needs to be a notification of at least 30 days before this happens, which I never received a single one. The folks on the phone were incredibly rude and refused to help me with the incorrect negative marks on my credit file. 

I have also read that they practice debt collection in states that they are not licensed in.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2023, I contact XXXX XXXX XXXX informing them that the 30 Day Late mortgage payment XX/XX/2023 reported on my credit is incorrect. The agent acknowledged that the reason for the late payment was because the missed a digit in my bank account number. I requested that they conduct a reasonable investigation into the accuracy of the disputed information and provide me a feedback which I'm yet to receive. 

On XX/XX/2023, I wrote XXXX XXXX XXXX ( certified letter ) formally disputing the accuracy of 30 Day Late mortgage payment dated XX/XX/2023 reported on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically under Code 15 USC 1681i ( b ). Additionally, I would like to bring to your attention a violation of the Fair Credit Billing Act ( FCBA ) under Code 15 USC 1666 ( b ).
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my XXXX account reported by XXXX to XXXX and Transunion and XXXX requesting that the incomplete reporting of my XXXX  account information be changed to reflect the correct XXXX reporting of my XXXX account.

I have not heard back from XXXX XXXX XXXX. Transunion and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with XXXX  and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by Transunion and XXXX, but are being reported correctly on my XXXX credit report.

My request is that XXXX reports the same information to Transunion and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments.

Thank you.

Concerned Consumer
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've sent letter disputes to the credit bureaus in XXXX and early XXXX regarding illegitimate inquires on my credit files and haven't heard back. The following inquiries are damaging my credit rating and the permissible purpose provisions of the Fair Credit Reporting Act weren't enforced : *see attached word document for listing of inquiries in question*
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXXXXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX  account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX  account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX  account and a written response outlining the actions taken to resolve this issue.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE Inquiry from XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE Inquiry from XXXX  XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE Inquiry from XXXX  XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  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 a account without my written instructions
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (FL)

In Accordance with Fair Credit Reporting Act 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
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was a victim of Fraud/ Identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Delete for Violation The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, A The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX  2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan.

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX