davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On Friday, XX/XX/XXXX I wrote a letter to XXXX, XXXX, and TransUnion ( three Credit Bureaus ) information in my file. One of the issues was stating that I was " SERIOUSLY DELINQUENT '' with my car loan ( joint ) payment to XXXX XXXX XXXX XXXX, which is not true. My daughter purchased a XXXX XXXX XXXX on XX/XX/XXXX and I cosigned the loan. Well, on XX/XX/XXXX, the vehicle was totaled by another driver. Though according to XXXX XXXX the car was valued at {$39000.00}, as a result upon inspection XXXX XXXX Insurance paid off the vehicle but at a lower rate based on the cars ' pre-accident value of {$25000.00} ; this amount was sent to XXXX XXXX and accepted for the total loss. The next thing we know a couple months later after receiving payment from XXXX XXXX we were sent a bill from XXXX XXXX stating we needed to pay them {$2100.00}. We could not understand this because they were paid for the loss of the vehicle and if it was not enough money they had the opportunity to go back to XXXX XXXX to request the additional amount. They also had the opportunity to seek the {$2100.00} via GAP Insurance but chose not to do so. 

Though XXXX XXXX was paid for the vehicle in a lump sum due to the accident and received car note payments from my daughter up until the time of the accident they have failed to properly report this information onto the Credit Bureau reports to the three agencies as such. I have been making every effort to resolve this matter with XXXX XXXX but they have failed to properly and accurately report the information to the three Credit Bureaus. 

Secondly, on Monday, XX/XX/XXXX, I sent another to the three Credit Bureaus asking for REMARKS to be removed from my XXXX XXXX XXXX XXXX Credit Card, XXXX XXXX  XXXX Credit Card XXXX and to update my file with XXXX XXXX XXXX XXXX with the enclosed letter stating the vehicle was a TOTAL LOSS and paid at the amount of {$25000.00}. 

I received copies of my Credit Reports at the beginning of XX/XX/XXXX from the three Credit Bureaus. According to the reports XXXX and XXXX REMOVED THE REMARKS as requested but TransUnion has REFUSED TO DO SO. 

This information is affecting my CREDIT SCORE and possibly of qualifying for a Home Mortgage.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AL)

On XX/XX/2022, i received an email from a company called TrueAccord located in XXXX KS stating that i owed {$1000.00} to a company called XXXX XXXX XXXX who is the current creditor to XXXX XXXXXXXX XXXX who originally owned this debt. i responded that i had no idea who TrueAccord was, who XXXX XXXX XXXX is or who XXXX XXXXXXXX XXXX is. I also let them know that I have never had an account with XXXX XXXXXXXX XXXX. I asked for proof of the debt and received a message that TrueAccord was suspending collection efforts and also asked several personal questions which i did not answer. I begin to receive collection efforts via email again on XX/XX/2022 via email. All communication has been to my work email not my personal email. I would like for these communications to cease unless someone can show me proof that this debt even exists. 

Regards, XXXX XXXX
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PR)

I sent a certificate letter to Equifax on XX/XX/XXXX ( XXXX ) asking to validate XXXX XXXX  XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW In XX/XX/XXXX Equifax answered my letter with report number ( XXXX ) indicating that they have verified that this public record item is reporting correctly with third party vendor XXXX How it is possible that Equifax verified in XX/XX/XXXX the accuracy of the information by XXXX XXXX, if in XX/XX/XXXX XXXX sent me a letter ( attached copy of the letter ) saying that was unable to verify the accuracy of bankruptcy case number XXXX and subsequently they had removed from their records. It is clear that Equifax used false information to verify the accuracy of the XXXX XXXX XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED THAT ACCOUNT FROM MY EXPERIAN CREDIT REPORT.
Consumer complaint received 2022-09-14
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-14
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. (IL)

I received a copy of my credit report, and found that your are reporting false information on my credit report. This is causing me extreme distress, and I am doing everything I can to build my credit profile responsibly. Seeing that I am looking to purchase a new vehicle thru finance, and this could cause problems doing so. The law says thay everything on my credit report must be accurate! 

I do not recognize these addresses XXXX. XXXX XXXX XXXX XXXX XXXX, IL XXXX Please Delete This Address From My Report I do not recognize these accounts XXXX. XXXX XXXX XXXX Please Delete This Account From My Report XXXX XXXX XXXX XXXXXXXX Please Delete This Account From My Report XXXX. XXXX XXXX Please Delete This Account From My Report XXXX. XXXX XXXX XXXX XXXXXXXX Please Delete This Account From My Report XXXX. XXXX XXXX XXXX XXXX Please Delete This Account From My Report I am also requesting the description of the procedure used to determine the accuracy, and completeness of the information. I have read that this must be provided within 15 days of completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

By the provisions of the consumer protection laws, I demand that these items be investigated, and removed from my credit report. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information.
Consumer complaint received 2022-09-14
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. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX, XXXX XXXX XXXX and Bankruptcy. 
This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

In XX/XX/2023, I applied for a Discover credit card. Discover verified all my personal Information which was confirmed by my credit reports and Discover approved me for a {$2000.00} line of credit. Here is were it gets very interesting : Less than 2 months later, on XX/XX/2023 Discover closed my account, I received a letter which is attached to this complaint stating : " As a result of a recent review we have closed the account above : '' We have taken this action because we were unable to verify personal information on your account ... '' If Discover verified my personal information previously what other information could they possibly be referring to? This seems to be a security issue for me which is impossible to address unless Discover provides the specific " PERSONAL INFORMATION '' they were unable to verify months after they seemed to have verified it. I am requesting the Exact/specific Personal Information Discover claims they could NOT verify so that I may take the proper steps to protect myself. If Discover can not provide that information it is clear they closed my account for other reasons that very well may be discriminating. At which time I will file a civil suit and we can go through the discover process. Further, by closing my account and reporting this account as " Closed by credit grantor '' has a NEGATIVE impact on my credit report causing me harm for the next 7 years.
Consumer complaint received 2022-09-05
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. (LA)

I am a Natural Person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. 
Time after time violating me. I Ask and demand the following accounts listed below to be remove because according to 15 USc 1681. I have right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX
Consumer complaint received 2022-09-05
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. (FL)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports  : XXXX XXXX : {$4100.00} XXXX  XXXX : {$3400.00}
Consumer complaint received 2022-09-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (FL)

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit reporting agencies have violated the FCRA section 605b which states that the Credit Bureaus are required to remove any accounts and information resulting from the Identity Theft. By submitting this CFPB Complaint, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8300.00} XXXX XXXX - XXXX XXXX Opened XXXX XXXX, XXXX Balance {$750.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Consumer complaint received 2022-09-05
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)

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update or corrected immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX XXXXXXXX Balance : -
Consumer complaint received 2022-09-05
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am submitting this complaint again because I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly verify this reporting information on my report and because of this I am now asking you for more information regarding this particular account in question. If possible provide facts that this supposed account was in fact delayed and that you have got the needed techniques to make sure you correctly analyze your claims. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Consumer complaint received 2018-04-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO (PA)

First Bank is unwilling to permit a rollover to a XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( Branch Manager, or the main office ), have continue to misinformed of me of the options to withdraw the two Educational IRA that matured on XX/XX/2018 ( Sunday! ). I called on XX/XX/2018, and thereafter, faxed my request, my Bank faxed the rollover request, and last I sent priority mail, with certified signature as well ( within the ten days of making a decision of renewing or withdrawing ) to First Bank. Every step, is a barrier and now First Bank which is an FDIC secured bank, under the Federal Banking laws, and the IRA which are under the IRS laws and regulation, refuses to complied with liquidating and rolling over the two IRAs that are needed for my son going to college, and my XXXX son to prepare for college. I have it in writing that First Bank have stated that they will not transfer or rollover money outside to the USA.
Consumer complaint received 2022-09-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-05
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)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  Inquiry Date XX/XX/2021
Consumer complaint received 2022-09-05
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. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.