davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Inconsistent Payment History Reporting : The payment history for this account is reported inconsistently across the three major credit bureaus. For instance, XXXX, XXXX and Experian show 30 and 60-day late payments for the same time period. 

On-Time Payments : I have attached bank statements and payment confirmations showing that all payments were made on time. The evidence provided contradicts the late payment information currently reported by the credit bureaus. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (OK)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX : {$47.00}
Consumer complaint received 2024-09-23
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. (OK)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00}
Consumer complaint received 2024-09-23
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-14
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)

I am writing to emphasize the vital rights that consumers like me have within the Fair Credit Reporting Act, which assures equity, privacy protection, and reliability in credit information. Nevertheless, I failed to supply XXXX, Transunion, and XXXX with my explicit authorization to share my personal information as required by the FCRA. 

Furthermore, 15 USC 6802 ( b ) ( c ) demands that financial institutions caution clients of their right to voice objections to the sharing of certain information. a notification from those companies furnishing credit reporting agencies with my private data, that I had never received. In violation of 15 USC 1681C ( a ) ( 5 ), XXXX, Transunion, and XXXX published negative information without my permission. Furthermore, disseminating known false information is forbidden by 15 U.S. Code 1681s-2 ( A ) ( 1 ), which seems to have happened in this instance. However, it appears that XXXX, Transunion, and XXXX
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per XXXX XXXX effective immediately and indefinitely. 

BK OF AMER XXXX
Consumer complaint received 2024-10-14
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. (MD)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-14
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)

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


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  TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX CRE XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-10-14
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. (MS)

On XX/XX/year>, I received alerts from XXXX XXXX that XXXX hard inquiries occurred on my credit around the same time. One was from " XXXX '' through TransUnion. The second was from " XXXXXXXX XXXX XXXX  '' through XXXX XXXX I did not apply for credit accounts through either one of these. Apparently, someone has tried to open what looks like XXXX credit card accounts using my social security number with these two retailers : XXXX and XXXX XXXX. I have already contacted XXXX to cancel the card, but I am currently trying to notify XXXX XXXX. I have not been able to contact the right people about the matter.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX refuses to comply with XXXX  XXXX discharge. Petal card sent update to TransUnion showing account charge off on XX/XX/year> and account as of XX/XX/year> is still showing charge off even though bankruptcy discharge notification was sent and received by them on XX/XX/year>. I have filed disputes on XX/XX/year> thru TransUnion directly and on XX/XX/year> thru XXXX XXXX And both disputes XXXX XXXX has not come into compliance with XXXX  XXXX discharge. I have also contacted them directly on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have also emailed them on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each contact attempt I have been given the round around and XXXX XXXX XXXX pointing blame on TransUnion or on me for disputing. This issue has been ongoing for XXXX and not once has XXXX XXXX XXXX has complied.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Alorica Inc. (NJ)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (GA)

Dear Consumer Financial Protection Bureau/Federal Trade Commission , I am writing to formally file a complaint against Navy Federal Credit Union regarding their failure to provide me with signed copies of the auto loan promissory note, security agreement, and disclosure agreements for my vehicle loan, and their subsequent refusal to release the title of my vehicle. 

Background : Loan Details : Auto Loan Lender : Navy Federal Credit Union Loan Account Number : XXXX Vehicle Details : XXXX XXXX XXXX XXXX Purchase Date : XX/XX/XXXX Loan Amount : {$60000.00} Issues : XXXX. Lack of Signed Documents : Navy Federal has acknowledged in writing that they do not have signed copies of the promissory note, security agreement, and disclosure agreements. This omission violates both Georgia state law and federal lending regulations, which require lenders to maintain and provide these documents to borrowers. 
XXXX. Proposed Loan Transfer : In written communication dated XX/XX/XXXX, Navy Federal informed me that due to the absence of signatures on file, the auto loan would be transferred to a consumer loan. This action further underscores the fact that the original loan agreement was not validly executed, raising significant concerns regarding the legality of their claim to the vehicle and the title. 
XXXX. Title Withholding : Despite the lack of a legally enforceable agreement, Navy Federal continues to hold the title of my vehicle, thereby restricting my rights as the vehicle owner. This action is in direct violation of Georgias Uniform Commercial Code, which necessitates a perfected security interest through a signed agreement. 
XXXX. Failure to Meet Disclosure Requirements : Navy Federal has failed to comply with required disclosure obligations under federal law, further invalidating the loan agreement and hindering my ability to make informed decisions regarding my financial obligations. 

Legal Grounds : Under Georgia state law and the Uniform Commercial Code ( UCC ), Navy Federals lack of signed documentation results in an unperfected security interest. This absence of a binding agreement should nullify their claim to the vehicle title.
Consumer complaint received 2024-10-14
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. (AL)

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 2024-10-14
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XX/XX/XXXX
Consumer complaint received 2024-10-14
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. (CA)

Consumer Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Blocking Fraudulent Information under FCRA 605B I am writing to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block the information on my credit report that has resulted from identity theft and fraud. This request is made within 4 business days of receiving this complaint.

The fraudulent information includes the following accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$410.00} XXXX Opened : XX/XX/XXXX Balance : {$88.00} XXXX Opened : XX/XX/XXXX Balance : {$380.00} These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report that shows these fraudulent entries.

I do not recognize any of the accounts, collections, or hard inquiries listed above. They were neither opened nor authorized by me and are a direct result of identity theft and fraud. 

For your reference, I have also included a copy of FTC Identity Theft Criminal Complaint # XXXX, which serves as proof that these accounts, collections, and inquiries are due to identity theft. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-14
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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-14
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. (VA)

I am writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated. 

The account in question is as follows : XXXX XXXX XXXX : Unknown Creditor Name : XXXX University As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report. 

Please provide me with the following information to verify the debt : 1. The original creditors name and address. 
2. A detailed explanation of the debt, including proof of its validity. 
3. Documentation that the debt is mine and that it is reported accurately.
Consumer complaint received 2024-10-14
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. (CO)

This letter serves as a final demand for the immediate resolution of my dispute, previously submitted on XX/XX/year>. Despite compliance with the Fair Credit Reporting Act ( FCRA ) and my clear communication regarding the inaccurate and unverified information on my credit report, the disputed items remain unresolved. This ongoing negligence is a clear violation of federal regulations and has caused harm to my credit profile.
Consumer complaint received 2024-10-14
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. (AL)

To whom it may concern, I am writing to report a serious issue with my credit report. An account that was previously opened using identity theft and subsequently deleted has reappeared on my credit report as of today, XX/XX/year>. 

This fraudulent account was not opened by me and is the result of identity theft. I had previously reported this to the credit bureaus and the account was removed. However, it has now been incorrectly added back to my credit report. 

The reappearance of this fraudulent account is causing significant damage to my credit score and financial standing. It is negatively impacting my ability to obtain credit, secure favorable interest rates, and may affect my employment prospects. 
I have already reported this identity theft to the police and have attached a copy of the police report to this complaint for your reference. 

I request immediate action to remove this fraudulent account from my credit report and to investigate why it was re-added after being deleted. Additionally, I seek assurance that this will not happen again in the future. 

Thank you for your prompt attention to this matter.