davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
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. (MS)

Recently, I requested that this account be removed immediately for incomplete and inaccurate information reporting to my consumer report. XXXX and XXXX have removed it please remove it immediately!
Consumer complaint received 2024-08-12
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. (GA)

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. 

ACCOUNTS XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX  : XXXXXXXX XXXX XXXX XXXXXXXX BUILD : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX 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 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 2024-08-10
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)

Based on, 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.. This section requires that if an item is disputed, the credit reporting agency must promptly update the item in accordance with the results of its investigation. I request that you conduct a thorough investigation and update or remove the disputed items as necessary.

15 U.S.C. 1681e ( b ) : This section mandates that a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in the consumers credit report. The information currently reported is inaccurate and, therefore, does not comply with this requirement.

Pursuant 15 USC 1681 section 602 A states I have the right to privacy.15 U.S.C . 602 ( a ) : This section obligates credit reporting agencies to use their services for the purpose of credit reporting and to maintain reasonable procedures to ensure that their reports are accurate. The inaccurate entries on my credit report indicate a failure to comply with these procedures.

Pursuant 15 USC 1681 section 604A section 2 : It also states a consumer agency can not furnish accounts without my written instructions I am requesting the original copy of agreement, terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the listed items on the attached document. You are required to do what I am asking and black these transactions from my consumer report within 4 days.
Consumer complaint received 2024-08-11
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. (PA)

I am writing to delete the following 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. 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 Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.
Consumer complaint received 2024-08-10
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. (HI)

I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late.

Detailed payment history of my account, including the dates and times when payments were posted to my account.

Evidence of notification sent to me regarding the alleged late payment.

Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information.

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing.

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

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-08-12
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. (MO)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I am writing to dispute and remove the following items from my credit report. The item that I XXXX XXXX XXXX is listed below. I am the victim of identity theft and did not create this account. I request that the item be removed so that my credit report can be corrected. I have reported the theft of my identity several times. 


I am the victim of identity theft and did not open the accounts on the attached FTC XXXX. I request that these items be removed to correct my credit report. I reported the theft of my identity several times without fail and I have provided numerous details with hardship information. In addition, I do not remember being late on any payments either and I am asking those to be updated to current. These creditors DID NOT follow their own guidelines and procedures if they did it was not made in a timely manner. I have also sent multiple letters. I am unable to focus on every day activities and this issue is preventing me from employment, a car and a home along with furthering my education. Please fix this ASAP!!
Consumer complaint received 2024-08-11
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2024-08-11
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. (CA)

There is a XXXX XXXX  XXXX credit inquiry from XXXX on my credit report on Transunion. I called XXXX  XXXX XXXX about this and the only information they gave me was that I needed to file a dispute on my credit report for this because of fraud. I filed a dispute with Transunion but they wont remove it for some reason. Please help me to remove this information on my credit report that was due to fraud and identity theft. There has been a lot of fraud and identity theft with my information and Ive been trying to deal with it. XXXX  XXXX XXXX has been responsible for allowing much of it and letting them walk through and steal everything out of my bank account and have unauthorized access to my online account. I spent weeks working to resolve it the best I could. This inquiry remains on my credit report. They wouldnt give me information on what is was for, only that I had to file a dispute with the credit bureau. I did but it still remains.
Consumer complaint received 2024-10-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XX/XX/year> I went to XXXX XXXX XXXX to use the ATM to take out money since the money network card only allows you to take out from specific ATMs. When I went to take out the {$300.00} it said it was processing and to take my money but nothing came out. I had spoken to a manager who stated XXXX XXXX XXXX had nothing to do with the ATM but their cameras were working in case they were ever needed! I didnt call the police as I assumed the ATM company would resolve this matter without it turning into this! 
They went ahead and gave me my money while they continued their investigation. Once they finished they said they concluded that the ATM was working properly that day and they retuned the money which left me at a negative! I went ahead and disputed that on XX/XX/year>! I told them they needed to better investigate, ask to view cameras or what not. That money is rightfully owed to me and I never received it! 
It took up to now to receive an answer from my apeal only to get the answer that it was also denied due to the ATM working properly or being properly funded that day! At this point I feel they are the ones stealing from me because I know I NEVER received my money! 

My case number for money network is XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

15 usc 1666b timing of payment should be not reported publicly law that get broken via debt reporting A creditor may not treat a payment on a open end consumer credit plan as late for any purpose As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated it is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-09-19
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. (PA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and an Sales contract loan account opened at XXXX on XX/XX/XXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (IL)

I took out a medical cc from Wells Fargo that had a 20 month interest free promotion. I had three XXXX resulting in 2 promotion periods. I had been making more than the required minimum payments, expecting that the first promotion would be paid down first. The bank allocated part of my payments to the second promotion. Now at the end of the first promotion period I am required to pay 75 % of my outstanding balance. Which negates any benefits that I would have received from my second promotion balance. I have talked to Wells Fargo many times and escalated it to senior management, but their response is that is what the system does and they cant do anything about it. I feel the promotion was fraudulently presented in that the allocation of minimum payments was not adequately disclosed. 

I had to call Wells Fargo to get the amount due to avoid a penalty because it is not obvious on the statement.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX TRIED TO SPEAK WITH ACCURACY AND NOT BE NEGATIVE BUT XXXX XXXX XXXX XXXX KEPT PUSHING AND THREATENING WHEN I ASKED COULD SHE VERIFY THE DEBT. I ASKED QUESTIONS ON RECOREDED LINE AND SHE REFUSED TO ANSWER AND DID SAID PUT HER ON HOLD TO CALL ORIGINAL DEBTOR. SHE ALSO SAID SHE SENT A CERTIFIED LETTER NOTHING ON THERE WEBSITE IN MY FILE SAYS THIS INFO.
Consumer complaint received 2024-10-23
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. (GA)

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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account XXXX : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXount Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/year> I mailed certified letters to XXXX XXXX and TransUnion proving I was not the account owner nor joint account owner via an affidavit from my father who is the actual account owner along with XXXX XXXX XXXX XXXX. I also demanded XXXX to send me the joint application form to which they returned a form asking me for all my information! Total XXXX if they thought I was sending them that information. In addition I have requested disputes with the credit reporting agencies and sent them all required documentation and they said XXXXXXXX XXXX said it was a joint account. So yes, XXXX and XXXX XXXX XXXX XXXX is a joint account NOT with my name XXXX XXXX XXXX. 
I have not missed a payment on my accounts in XXXX plus years and the reason I caught this was because my father quit paying and it pinged my XXXX XXXX. 
Kindly remove this from my credit report and remove the XXXX XXXX plus liability because it has greatly reduced and harmed my personal credit! Please see attached records.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This letter serves as a formal complaint regarding the reporting of inaccurate and incomplete credit information. 

I am troubled by the inclusion of the following information in my credit profile, as well as the lack of reasonable procedures in place to ensure the utmost accuracy in the credit reports you publish. Credit reporting laws mandate that bureaus only report completely accurate credit information. Therefore, it is crucial to thoroughly investigate the following information : BankruptcyXXXX  Please remove it from my credit report. 

XXXX. Validate Account BankruptcyXXXX Please remove it from my credit report. 

XXXX. Validate Account BankruptcyXXXX Please remove it from my credit report. 



XXXX. Validate Account XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX, XXXX. 

Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 


I kindly request to be provided with evidence of this alleged item, specifically the contract, note, or other document bearing my signature. 

If unable to provide such proof, I insist that the item be promptly removed from the report. The listed item is entirely inaccurate and incomplete, which constitutes a significant error in your reporting. Please delete this misleading information and provide corrected credit profiles to all creditors who have received copies within the last six months, or the last two years for employment purposes. 

Additionally, please furnish the name, address, and phone number of each credit grantor or other subscriber. 

According to federal law, you have a period of thirty ( 30 ) days to complete the re-investigation. Please note that I also request a description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days following the conclusion of the re-investigation.