davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX XXXX XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : o TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : o TransUnion : {$6900.00} XXXX XXXX : {$6900.00} XXXX XXXX XXXX XXXX XXXX. High Credit / Credit Limit : o TransUnion : High Credit : {$6700.00} ; Credit Limit : {$5700.00} XXXX XXXX : High Credit : {$6700.00} ; Credit Limit : {$5700.00} XXXX XXXX  : XXXX XXXX Past Due : o TransUnion : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Payment Status : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : o TransUnion : XX/XX/XXXX o XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Comments : o TransUnion : Charged off as bad debt. Dispute resolved ; reported by grantor XXXX XXXX XXXX  Account was in dispute- now resolved - reported by subscriber. 
XXXX XXXX XXXX Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : o TransUnion : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX  Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (WI)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. 

INQUIRIES : XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-11
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. (NY)

Recently XXXX approved me a XXXX XXXX and a few weeks ago I registered with XXXX and now I was exploring the XXXX app and I saw that I have 2 hard inquiries that I do not recognize and they were not authorized by me XXXX XXXX XXXX XXXX XXXXXXXX XXXX These hard queries do not belong to me, have not been authorized by me, and should be removed.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This account has persistently marred my credit history despite my repeated efforts to have it rectified. This letter serves as a formal dispute and a demand for the immediate removal of this erroneous entry. 
Account Information : XXXX XXXX XXXX XXXX I have previously submitted extensive documentation and proof that unequivocally established this account as the result of identity theft and fraud. Despite my diligent efforts to rectify this matter, the account continues to plague my credit report, causing immeasurable harm to my financial well-being. 
The Fair Credit Reporting Act ( FCRA ) mandates a prompt and fair resolution of credit disputes. It is essential to note that your continued inclusion of this fraudulent account on my credit report is not only unlawful but also damaging to my creditworthiness and reputation.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.
Consumer complaint received 2023-10-09
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. (WI)

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.

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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is really exhausting, I've been attempting to contact the appropriate channels about the errors on my credit report for so long now, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2023-07-04
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. (AR)

Despite of my previous request, the 3 credit bureaus still failed to fixed this issue. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and help me delete it all right away : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX : {$900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-01-18
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)

In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

EXPERIAN is violating my consumer rights set forth by the FCRA. I have notified EXPERIAN by phone and letter that my consumer report contains inaccurate, fraudulent and unverifiable data. On XX/XX/XXXX at XXXX, I was told " the security and privacy of your information is important to us. '' EXPERIAN rep XXXX XXXX stated she would transfer me to disputes who can remove ANY personal information or account. '' However, XXXX in the EXPERIAN disputes department, harassed me as I filed my dispute. He said EXPERIAN is NOT responsible for verifying information accuracy. The " Understanding the Fair Credit Reporting Act '' article on EXPERIAN 's website says otherwise. It reads, " consumer reporting agencies MUST correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information MUST be REMOVED or corrected usually within 30 days. I mailed letters addressing the inaccurate, incomplete, and unverifiable information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. EXPERIAN provided a response to each of these requests stating the inaccurate, incomplete, and XXXX XXXX for XXXX Bank XXXX XXXX XXXX payments ), WF/Dillard ( XXXX XXXX XXXX, XXXX Funding ( XXXX fraudulent collection accounts ), Webbank/Fingerhut ( charge-off ), Premier XXXX XXXX XXXX charge-off ) and CB Indigo ( charge-off ) ALL came back verified and/or complied with FCRA. They repeatedly failed to provide verification proof as requested. Per XXXX XXXX XXXX - consumer reporting agency XXXX only report convictions of crimes over XXXX XXXX XXXX. This doesn't include late payments or charge-offs. So, ALL late payments MUST be deleted. Charge-offs are INCOME filed on form XXXX or XXXX, per IRS guidelines. They should NEVER be reported on a consumer report which only shows DEBT. The MUST be deleted. XXXX XXXX XXXX says accounts reported as ID theft MUST be removed w/in XXXX business days of being identified as such by the consumer. XXXX accounts are ID theft. XXXX CFR XXXX defines ID theft as use of information identifying me without my authority. I never contracted with any collection agency, and I did NOT give them permission to report or use my identifying information. These MUST be deleted as well. 

I also asked for EXPERIAN to correct my personal information. The ONLY name that should be on the report is XXXX XXXX. The address should be XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The ONLY phone number should be XXXX. XXXX XXXX XXXX says EXPERIAN needs my written permission to report any information within my report. I have not provided written consent to any personal information, thus anything else outside of the aforementioned personal information MUST be removed.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged 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 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

Charged on XXXX XX/XX/2023 for the amount of XXXX. Contacted Wells Fargo credit card fraud department and was assisted in resolving the issue. Questions were asked regarding recent activity and the transaction was removed. Two weeks later I receive a letter saying the " charge was authorized due to the card being in my possession at the time of purchase ''. I contact the fraud department again today, the XXXX, and am told that they reached out to me on the XXXX of XXXX and the XXXX of XXXX to validate additional claim information. The number used to contact me was connected to a phone I had broken in the midst of things, but I have since replaced and recovered said number. After two failed attempts to reach me regarding additional information, it was decided that that was enough to have the charge placed back onto my account at a new amount of XXXX. Last thing I heard from the fraud department was that I would receive a determination via mail in 15-25 days. 

I have three issues with the way this was handled. 
Firstly, the letter saying I had the card so therefore I made the purchase is lazy and naive. There are a number of ways to have card info stolen. 
Secondly, the information I was told on the phone today by the fraud department is inconsistent with the letter I was sent. 
Finally, the amount recharged to my account is greater than the amount of the original transaction.
Consumer complaint received 2024-10-11
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. (GA)

I am Writing to request Formally the removal of a Bankruptcy entry on my credit report I understand the Bankruptcy does not Report Directly to the credit agencies given that the reported information may not be accurate or complete, I Respectfully ask that you investigate and remove the Bankruptcy entry from My Credit Report.

I appreciate your Attention to this Matter
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

It all started on XX/XX/XXXX and XX/XX/XXXX. My account was hacked via XXXX from the following people : XX/XX/XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} I did not know until XX/XX/XXXX when Bank Of America texted me beginning at XXXXam until XXXX am when I woke up and saw the message. I immediately responded no that I did not authorize the transactions. 

A few days later Bank Of America sent me a letter stating that I had withdrew too many times as my savings account allows 6 times, but they approved the XXXX transaction. I immediately called the fraud department and filed a claim. 

About XXXX weeks later I received a letter from the fraud department stating that it was denied because I apparently made those charges. I then went to my bank and they asked for my claim to be re-opened as I do not have a XXXX account. 

XX/XX/XXXX, Bank of America XXXX department sent me another letter stating they would not credit my account because the devise used was consistent with previous valid account activity. 

I went to the bank yesterday, XX/XX/XXXX to close my accounts and I was able to close my checking account, but could not close my savings account until I called the XXXX department and asked them to release my money. After being on hold for XXXX hours, I was able to close my account and today. 


Prior to this fraud I had never used XXXX. In fact I had never heard of XXXX and never authorized Bank of America to add this service to my account. I did not authorize these XXXX transactions if it was done through an associated IP address then that devise was hacked because it was not me. Bank of America obviously felt like this was fraud or they would not have sent out the fraud texts but yet they still allowed the money to leave the account.
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation (WA)

A person attempted to legally serve documents. Upon asking who they were they said they represented XXXX XXXX. The person left a stack of papers at the door and left. The papers left behind appeared to claim a legal action had been initiated. No legal action had been initiated when investigated on XX/XX/year>.