davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-23
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. (GA)

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 XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with 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 in 60 days 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. 


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 XXXX
Consumer complaint received 2024-08-23
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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Here I attach, along with the dispute, my fraud report that I just sent to transunion XXXX XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-08-23
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)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 

ACCOUNTS : XXXX XXXX  Accounts : XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NJ)

I am filing this complaint regarding an unresolved debt collection issue with **Credit Collection Services** . On XXXX XXXX, XXXX, I received a collection letter from this company, which I believe is inaccurate and invalid. 
In response, I sent a debt validation letter via certified mail on XXXX XXXX, XXXX, requesting that they validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite the certified mail being delivered, Credit Collection Services has failed to provide me with any validation of the debt, as required by law. 

This failure to respond means that the debt is invalid, and they are in violation of my rights under the FDCPA. I am concerned that this collection account remains on my credit report without proper validation, and it is impacting my credit score unfairly. 

I demand the following resolution : 1. Immediate removal of this unverified debt from my credit report.

2. Confirmation that Credit Collection Services will cease all collection activities related to this account.

3. An official response to this complaint explaining why they did not provide validation in the legally required timeframe. 

I have attached supporting documentation, including : - The collection letter from Credit Collection Services dated XXXX XXXX, XXXX. 
- A copy of my debt validation letter, sent on XXXX XXXX, XXXX. 
- Proof of certified mail delivery. 

I would appreciate the CFPB 's intervention in resolving this matter and ensuring compliance with the law. Thank you for your attention to this complaint.
Consumer complaint received 2024-08-23
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 complaint is not a mistake and was not sent in error. I have continuously sent disputes for the companies to be able to handle this inaccuracy on my report and it has come to my attention that the accounts are still inaccurately reporting on my credit. Please re-investigate.
Consumer complaint received 2024-08-23
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)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( XXXX XXXX XXXXXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX  credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 


ACCOUNTS : XXXX NUMBER XXXX XXXX XXXX XXXX XXXX, NUMBER Account : XXXX XXXX XXXX  : NUMBER Account : XXXX XXXX XXXX  : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/24 I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (MD)

I opened a new Axos Bank checking account using a promotion they offered, " XXXX '' that would credit my account up to {$500.00} after meeting the bonus criteria, {$100.00} for each month within the first 6 statement cycles, up to a maximum of {$500.00}. 

On XX/XX/XXXX I applied using the promotion code XXXX ( form # XXXX ) and received approval for a new checking account with Axos Bank. However I never received expected follow up email to finish setting up the new account and could not progress when signing in to the Axos Bank website. On XX/XX/XXXX I called the bank 's support line and the representative told me they were fixing my application as there was a problem processing that she did not provide additional details about. I was assured my application would be resubmitted exactly as I had applied on XX/XX/XXXX. At the end of that call the rep said everything was sorted and I could proceed with the rest of my account setup. After meeting the bonus criteria for XXXX, I should have received the first {$100.00} bonus payment by XX/XX/XXXX. When I still didn't receive this by XX/XX/XXXX I called the bank again and was told that the representative who helped me previously made an error and cancelled my original application as well as forgot to add the XXXX promo code to a replacement application. The rep confirmed the XXXX promotion was attached to my application from XX/XX/XXXX, form # XXXX. 
I was told there was nothing they could do to help over the phone and that I needed to secure message the bank from my online banking account to resolve this. I did exactly this after ending the call on XX/XX/XXXX and explained the issue. On XX/XX/XXXX the secure message response said they were " unable to find the promo details added on the application, we do not have the option to add the promo code once account is approved. '' The bank is refusing to acknowledge the error of their representative on XX/XX/XXXX and they are refusing to correct this mistake,. Even with the details provided to them and confirmed by phone rep XXXX on XX/XX/XXXX, they are refusing to accept responsibility and provide a resolution. I did everything correctly from my end and followed all terms of the promotion, but they won't correct the mistake from their end. Does this now make it fraud as they had a chance to fix it but refused to do so? 

They mention they are unable to add the promo code after account approval. If that is the case then they need to escalate this to someone who can manually add the missing bonus funds to my account.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-10-02
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains 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 verifiedthat this item is being reported correctly? Who verified this item? 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 items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.
Consumer complaint received 2024-11-20
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-20
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)

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX - XX/XX/XXXX - {$520.00}
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-23
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries on Credit Report Dear TransUnion Consumer Solutions , I am writing to formally dispute unauthorized credit inquiries listed on my credit report. On XX/XX/XXXX, two inquiries were made by XXXX XXXX XXXX and XXXX XXXX XXXX that I did not authorize. 

Federal Laws and Codes Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate information on my credit report, and you, as a consumer reporting agency, are required to verify the legitimacy of any disputed information. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a consumer report may be accessed. Since I did not authorize these inquiries, they are a violation of this section. Furthermore, under 15 U.S.C. 1681i, TransUnion must conduct a reasonable investigation to determine whether the disputed information is accurate and, if not, promptly delete it. 


Request for Immediate Action In accordance with these federal and state laws, I am requesting that these inquiries be removed from my credit report immediately. I have attached Federal Trade Commission ( FTC ) reports for both inquiries, which clearly state that I did not authorize these companies to access my credit information. I have also included a copy of my ID for verification purposes. 

As per the FCRA and applicable state laws, TransUnion is required to verify that these inquiries were authorized by me. If you can not provide plausible proof that I authorized these inquiries, they must be removed from my credit report without delay. Failure to comply with these laws may result in further action being taken, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state authorities. 

I trust that this matter will be resolved promptly. Please confirm receipt of this dispute and keep me informed of the actions taken. I expect a resolution within 30 days as required by 15 U.S.C. 1681i. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Attachments : - FTC Report for XXXX XXXX XXXX Inquiry - FTC Report for XXXX XXXX XXXX Inquiry - Copy of ID
Consumer complaint received 2024-08-23
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX