davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear TransUnion, I am writing to formally dispute the collection account XXXX account that was recently verified as accurate on my credit report. This letter serves as notice that I consider this account to be erroneous and misleading under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that consumer reporting agencies must conduct a reasonable investigation into disputes. Your verification of this collection account is unacceptable as I have not received valid evidence supporting its legitimacy. The original creditor has failed to provide documentation proving that this debt is mine, which constitutes a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Furthermore, I would like to remind you that failure to comply with these laws may result in legal action against TransUnion. Under 15 U.S.C. 1681n, I may seek damages for any willful noncompliance, and under 15 U.S.C. 1681o, I may pursue damages for negligent noncompliance.

I demand that you perform a thorough re-investigation of this account. If you can not provide sufficient evidence to validate this debt, I require that it be removed from my credit report immediately. I also expect a written response detailing the outcome of your investigation within 30 days of receipt of this letter. Please be advised that I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) for additional complaint and the Federal Trade Commission ( FTC ) if necessary. I will not hesitate to pursue all available legal remedies to protect my rights.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX social Security XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 2024-10-16
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. (AL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-16
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. (FL)

My credit report contains inaccuracies related to 15 USC 16c-2. The listed inquiries were not authorized by me and are negatively impacting my credit. Kindly remove all unauthorized hard inquiries. Thank you.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My accounts 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/updated. 

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.

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!
Consumer complaint received 2024-10-16
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-10-16
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. (NY)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/2024 Account Name : XXXX XX/XX/2024 Account Name : XXXX XX/XX/2024
Consumer complaint received 2022-08-31
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. (CA)

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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and delete my records. Please delete the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXX XXXXXXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXX XXXX AXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (OK)

The week of XX/XX/XXXX, I received an alert from XXXX stating : Between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an inquiry made by XXXX XXXX was added to your credit report. However, I have not applied for a new line of credit, nor did I give any company consent to run my credit neither has my spouse.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately
Consumer complaint received 2024-10-16
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. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2019-03-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SD)

To Whom It May Concern : I have tried calling into Navient multiple times and dealt with excessive hold times for over an hour. Every time a representative would pickup they would say, I wasnt in the correct department for student loans and wouldnt be able to assist with my concern. They would put in a long hold with no assistance what-so-ever. Finally, I got so sick and tired of waiting on hold, I had sent an email with written instructions on XX/XX/XXXX requesting to have the funds that were deposited on XX/XX/XXXX for {$6000.00} be refunded back to myself. On XX/XX/XXXX, I finally got through to Navient and I directly spoke to a representative in the private loan department. I explained my situation to her and was told that she would get this over to the payment department and they would then reissue a refund back to myself. I should be getting a refund check within ten days. I waited over that period and still  havent gotten my refund. This situation has become an ongoing problem with them. I keep on getting the runaround without any assistance. They responded back to my email on XX/XX/XXXX telling me that my concern was already addressed on the phone conversation on XX/XX/XXXX and nothing else was needed. Basically, all that Im requesting is that Navient due its due diligence and issue myself a refund check for the amount that I am requesting.
Consumer complaint received 2024-10-16
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-28
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. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX Phone : XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Goodwill Request for Late Payment Removal Account Number : XXXX Dear XXXX XXXX Support Team, I hope this letter finds you well. I am writing regarding my account number XXXX, which I have maintained with XXXX XXXX since XX/XX/XXXX. Upon reviewing my credit report, I noticed a late payment recorded in XX/XX/XXXX. 

I take full responsibility for the missed payment, which was due to [ briefly explain the circumstances, e.g., an unexpected financial hardship or a temporary oversight ]. Since then, I have ensured that my account remains in good standing and have consistently made timely payments. 

Given my history with XXXX XXXX and the isolated nature of this incident, I respectfully request that you consider removing the late payment from my credit report as a goodwill gesture. This would be extremely helpful to me as I work to improve my credit profile and achieve my financial goals. 

Thank you for considering this request. I truly value my relationship with XXXX XXXX and look forward to continuing as a responsible customer. Please feel free to contact me at XXXX or via email at XXXX if you need further information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$1000.00} XXXX XXXX Account number : XXXX Balance : {$3000.00} XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Urgent Dispute Removal of XXXX XXXX XXXX and Rent-to-Income Inaccuracies To Whom It May Concern, This letter serves as an immediate dispute regarding inaccurate information currently being reported by XXXX and XXXX on my consumer file. I am requesting that you correct and remove the following errors within 48 hours of receipt of this letter : 1. XXXX XXXX Balance : Your records inaccurately list a balance from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX. I do not owe any balance to XXXX XXXX, and this incorrect information is negatively impacting my ability to secure housing. I demand the immediate removal of this erroneous balance. 
2. Rent-to-Income Data : Your report contains an inaccurate rent-to-income ratio. This data is not a true reflection of my income, and it is absolutely unacceptable that you are misrepresenting my financial situation. How can you determine my income better than I can? This false information is preventing me from getting approved for housing, and I demand it be removed or corrected immediately. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally required to report accurate and fair information. Specifically, Section 611 of the FCRA mandates that consumers have the right to dispute any inaccurate information, and your organization must investigate and resolve such disputes within 30 days. However, due to the serious nature of these errors and their impact on my housing applications, I am demanding these inaccuracies be corrected within 48 hours.

Additionally, Section 605 of the FCRA ( 15 U.S.C. 1681c ) prohibits the continued reporting of incomplete or inaccurate information, especially when it affects a consumers ability to obtain housing or credit.

Immediate Action Requested : Remove the inaccurate XXXX XXXX balance from my records. 
Remove or correct the false rent-to-income ratio from my file. 
Provide written confirmation that these corrections have been made and supply me with an updated copy of my report once the errors are removed. 

If this issue is not resolved within 48 hours, I will have no choice but to pursue further legal action to enforce my rights under federal law, including seeking damages for the financial and emotional harm caused by these inaccuracies. 

Please confirm receipt of this dispute and update me on the status of the resolution as soon as possible. I expect to receive an updated and corrected report promptly once these issues are addressed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (IN)

The following unauthorized credit inquires have been made to my credit report across the three major credit bureaus as follows. XXXX is reporting three hard inquires from XXXX XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Equifax is reporting two unauthorized hard inquires which are being reported as XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

XXXX is reporting two unauthorized hard inquires which include XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (MD)

I would like to dispute the following accounts on my credit report. 

Equifax : 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