davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
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)

Heres the revised letter addressed to TransUnion : -- - **TransUnion** XXXX XXXX XXXX XXXX, PA XXXX Subject : Immediate Removal of Fraudulent Collection Account from Credit Report To Whom It May Concern, I am writing to dispute the results of your recent investigation regarding a fraudulent collection account on my credit report. The account in question, reported by XXXXXXXX XXXX XXXX, is not mine and the conclusion that it is accurate is **false**. I am a victim of identity theft and demand that this fraudulent account be removed from my credit report **as soon as possible**. 

I have never conducted any business with XXXX XXXX XXXX or the original creditor associated with this account. Additionally, I have filed a police report with the XXXX XXXX XXXX XXXX to document the identity theft : - **Police Report Number** : XXXX - **Officer in Charge** : XXXX. XXXX ( # XXXX ) This fraudulent account was placed on my credit report without any prior communication from the original creditor. Moreover, I was contacted by XXXX XXXX  XXXX representatives, who unlawfully threatened legal action if I did not pay this debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d.

As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand the **immediate removal** of this account from my credit report. You are required to ensure that only accurate and verifiable information appears on my credit report, and this account is clearly fraudulent. I expect written confirmation of its deletion within 30 days of receiving this letter. 

If this matter is not resolved promptly, I will have no choice but to escalate the issue, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking all available legal remedies. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-07
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. (NM)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} 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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have tried numerous times to solve this issue with experian and XXXX and they continue to willfuly ignore what I am telling them to do. I have asked them to remove the following addresses from my consumer report XXXX XXXX XXXX, mi XXXX I have never lived there and also XXXX XXXX XXXX XXXX tx i also do not live there the only address that should appear on my report is the address in this complaint. Also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is any other promotional inquiry that is not suppose to be there because I did not put it there. XXXX is also reporting negative remarks on my consumer report when the account states that it has been discharged, and XXXX XXXXXXXX sent me copy b of a 1099 c they have done which states they have discharged the debt I also opt out of any promotions due t the privacy act of 1974. Experian and XXXX continues to do what they want to do with my consumer report and they are not complying to federal laws. Also the following companies are reporting that they continue to have deleted from my consumer report XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They have not sent me a free report due to identity theft they continue to want me to pay them and all the promotional inquires lets me know that they continues to sale my identity to companies which is against the law when i have already opted out of them doing so years ago.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I am writing to formally file a complaint against XXXX XXXX  regarding inaccurate late payment reporting to the credit bureaus. 

Timeline of Events : Account Details : I have a credit card account with XXXX XXXX  ( Account Number : [ redacted ] ). 

Payment History : I made a payment of {$150.00} on ( XX/XX/year> ) ( XX/XX/year> ) & ( XX/XX/year> ), which I believed to be on time and within the grace period as outlined in my account terms. 

Discrepancy : On XX/XX/year>, XX/XX/year> & XX/XX/year>, I received a notification from my credit monitoring service indicating that XXXX XXXX  reported a late payment for the billing cycle ending at the end of each month payment was issued. This was surprising as I had made the payment on time. 

Actions Taken : I contacted XXXX XXXX  customer service on [ insert date ] to dispute the late payment. During this call, I was informed that my payment was processed late due to a delay in processing, which I was not made aware of at the time of payment. 
I followed up with written correspondence via email to XXXX XXXX  on XX/XX/year>, reiterating my dispute and providing evidence of my timely payment, including transaction confirmation. 
Despite these efforts, my credit report still reflects the late payment as of [ insert date ]. 
Impact : The inaccurate reporting has negatively affected my credit score and my ability to secure favorable loan terms. I believe that I fulfilled my payment obligations and that XXXX XXXX  failed to process my payment accurately.

Resolution Requested : I request that XXXX XXXX  correct the reporting to the credit bureaus to reflect my timely payment and remove any negative impact from my credit report. 

Thank you for your attention to this matter. I hope for a prompt resolution. 

Sincerely,
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX  I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

I am responsible for the account, this is a stollen identity, but all attempt to resolve it proved abortive. 
The account was opened fraudulently on Amazon online account and not JB Morgan chase as claimed. My identity was stollen and used for this account. 
Chase must remove it from my account.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX  credit report. Once inside his credit history he noticed multiple items dating back to 2015 which he says do not him. XXXX provided the following information : XXXX XXXX XXXX Paid Never late Navy Federal Credit Union status account charged off Navy Federal status paid close never late XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (LA)

On Friday XXXX XXXX XXXX I did not make this change my passcode XXXX was sent to choice financial group which I have no dealings with or have I ever heard of so I got in contact with choice financial group and they told me to get a letter of indemnity from cash app which I tried to get so I haven't got my money back. Transaction I'd is XXXX. XXXX. XXXX
Consumer complaint received 2024-09-07
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. (IA)

I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX XXXX XXXX XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.
Consumer complaint received 2024-09-07
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)

XXXX XXXX XXXX ATTN CREDIT DISPUTES XXXX XXXX XXXX XXXX, UT XXXX Re : XXXX XXXX. 

Account # : XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication.In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07
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. (NY)

I realized this is on my credit report and this is not mine, never had this card before please help deleting XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting 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. (GA)

I am writing to dispute unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and may involve the fraudulent use of my personal information, a violation of **18 USC 1028**, which addresses fraud related to identification documents, authentication features, and personal identity information.

The details of the unauthorized inquiries are as follows : I did not authorize these inquiries and have not applied for any credit or services from these companies. Given the serious nature of identity fraud under **18 USC 1028**, I request that you take immediate action to : 1. **Remove these unauthorized hard inquiries** from my credit report.

2. Conduct an investigation into the inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), and provide me with a written statement of the findings.

3. Provide any documentation or evidence that these inquiries were authorized by me, if such records exist.

Enclosed are copies of my identification, a copy of the relevant pages of my credit report showing the inquiries, and any additional supporting documents.

Failure to act on this matter may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other legal avenues to protect my rights under federal law. 

Thank you for your prompt attention to this serious issue. I look forward to receiving confirmation that these inquiries have been removed from my credit report.
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (MD)

This letter is to disputes few discrepancies Ive noticed on my credit report, including accounts and personal information which I believe is inaccurate. I am asking for your assistance in investigating and correcting this information. 

Below is the information listed on my credit report that needs to be reviewed and potentially removed from my credit report. 

Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report.

Enclosed with this letter are copies of documents that verify my identification and my correct personal information, including a passport, my social security card, and other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX reported to my credit bureaus a late-payment during the Presidents " On-Ramp '' program timetable. I have paid off the loan in full once they did that, but the reporting of missed payments has significantly impacted my credits. I filed disputes with the credit bureaus, but that did nothing.
Consumer complaint received 2024-09-07
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)

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 {$8000.00} XX/XX/scrub>XXXX XXXX XXXX XXXX