davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (MD)

This letter is to disputes few discrepancies Ive noticed on my credit report, including accounts and personal information which I believe is inaccurate. I am asking for your assistance in investigating and correcting this information. 

Below is the information listed on my credit report that needs to be reviewed and potentially removed from my credit report. 

Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX Accounts XXXX XXXX  ACCOUNT # XXXX Date opened XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/XXXX Balance {$5100.00} XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX  Date open XX/XX/XXXX Balance {$20.00} XXXXXXXX XXXX  Account number XXXX Date open XX/XX/XXXX Balance {$6900.00} XXXXXXXX XXXX  Account number XXXX Date open XX/XX/XXXX Balance {$19000.00} Inquiries 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  I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 

Enclosed with this letter are copies of documents that verify my identification and my correct personal information, including a passport, my social security card, and other supporting documents. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-08-18
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)

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

TransUnion : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

I noticed the debt on my credit report a couple months ago, I attempted to call the debt collector directly on numerous occasions and was never able to speak to a real person, I have sent letters directly to the debt collectors address on my credit report and have received nothing back from them. I have disputed the debt twice because I have not received ANY communication from this debt collector and have not received the requested debt validation letter.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (IL)

On XXXX Chase Bank gave out my credit information without my authorization to the SBA for a fraud loan in the amount of XXXX PPE loan according to SBA fraud department. The SBA told me I was a victim of ID theft. As a result, this dropped my credit score by XXXX points, and locked my credit report, checking account, and anything associated with my name. I have evidence to back all this. I had XXXX XXXX and they did not stand behind their product and put the freeze on. Today, I can not get open my credit to buy a car or anything. I filed a complaint against XXXX to no aval. XXXX will be next. At this time Chase is fully to blame.
Consumer complaint received 2024-08-18
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. (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. XXXX XXXX XXXX, XX/XX/2020 ) .I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these 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 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part 6 unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely
Consumer complaint received 2024-08-19
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)

AS per guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me XXXX XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  debt according to XXXX  under final rule 1002.142 ( b ) ( 4 ) -5 -- block XXXX information from my credit report within fours business days pursuant to section 605c of the fair credit reporting act.i an victim of XXXX XXXX of debt bondage won would like for all listed accounts blocked and delete the following accountsXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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. (VA)

I am writing to dispute the accuracy of a bankruptcy entry on my credit report. The details of this listing are questionable, and I believe further investigation is necessary to verify its accuracy. 

Disputed Item : Bankruptcy Case Number : [ Case Number, if available ] Filing Date : [ Filing Date ] Issue : I have concerns about the accuracy of this bankruptcy entry and request that you verify its legitimacy. 
Please investigate this matter thoroughly and provide me with the results of your investigation. If the bankruptcy is found to be inaccurate or unverifiable, I request its removal from my credit report in accordance with 15 U.S.C. 1681e ( b ).
Consumer complaint received 2024-07-25
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. (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-18
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. (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these 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 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.15 USC 1681s-2 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. 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. Sincerely
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Portfolio Recovery, a third-party debt collector that is currently reporting a debt on my credit report. Despite my request for a validation letter to confirm the legitimacy of this debt, they have failed to provide the necessary information. 

I am particularly concerned about the following issues : Lack of Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, including the name of the original creditor and proof of their legal authority to collect on this debt. Portfolio Recovery has not complied with my request, leaving me with no clarity regarding the validity of this debt. 

Unknown Origin of Debt : I do not have any information about the original debtor, which raises questions about the legitimacy of the claim against me. The inability to identify the source of this debt further complicates my ability to respond appropriately.

Impact on Credit Report : The presence of this unresolved debt on my credit report is negatively impacting my credit score and overall financial standing. Without the proper documentation to validate this debt, I believe it is unjust to have it reflected on my report. 

Given these circumstances, I kindly request that the CFPB take immediate action to investigate Portfolio Recoverys practices regarding this debt. I am requesting that they be compelled to provide the validation letter I requested, or alternatively, that this debt be removed from my credit report due to their failure to comply with my request. 

I appreciate your attention to this serious matter and look forward to your prompt response.
Consumer complaint received 2024-08-19
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. (IN)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days. 

This is my fifth attempt to resolve this issue, and I have received no response from XXXX, XXXX and Transunion. I am filing this complaint as a last resort and request your prompt assistance in resolving this matter.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (FL)

On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : factual data, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advantage Collection Professionals, Inc. (MN)

There have been many damages done from these companies to my consumer report and in pursuant to 15 USC 1692k Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector. Some of these collection accounts are medical bills and in pursuant to 15 USC 1681 ( a ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In Accordance to 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 inc # XXXX. XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX  # XXXX. XXXX  # XXXX. XXXX XXXX # XXXX I looked at my XXXX, XXXX and transunion report on XX/XX/2024 and notice something are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. XXXX
Consumer complaint received 2024-08-30
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. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021
Consumer complaint received 2024-08-18
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. (GA)

This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am deranding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( TransUnion ) Accounts Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX ( XXXX )
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent XXXX, XXXX, and experian a debt validation letter XX/XX/year> for all closed accounts, collection, late payments and charge offs. It's been 30 days and i didnt receive a response.