davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS. 
XXXX XXXX XXXX Account # XXXX Delete this account. 


there is some inaccurate information reporting XXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. CODE 1692e - False or misleading representations XXXX XXXX A Account # XXXX Delete from my credit report.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
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. (GA)

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by [ Transunion ]. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/2024 ], I submitted a dispute to [ Transunion ] regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2024-08-14
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-13
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. (MN)

On XX/XX/XXXX my identity was stolen to opened up a credit card account with XXXX XXXX XXXX. At the time of this opening I was XXXX  and was not relieved until XX/XX/XXXX which makes it impossible for the account to belong to me. Please remove account from my credit report thank you.
Consumer complaint received 2024-08-13
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. (FL)

To who this may concern, Hello I am filing this FTC Identity Theft Affidavit to report 17 separate fraudulent accounts along with 15 seperate INQUIRES appearing on my consumer FICO credit report which I do not recognize as reported and I did in any which way authorize opening these accounts nor give permission for credit checks, This is the result of identity theft and fraud. These fraudulent ACCOUNTS, consist of a personal credit, hospital bills, personal info. Starting with account at XXXX XXXX XXXX XXXXXX/XX/year>, under the account number XXXX XXXX XXXX an auto loan accounts opened at XXXX XXXX XXXX XXXX XXXX  under the account number XXXX XXXX XXXX, and a company called XXXX open on XXXX XXXX account number XXXX XXXX XXXX. The XXXX are the two different dates stated opened on my report, XXXX account number ( XXXX XXXX  opened on XXXX. XXXX are the dats stated opened on my report. XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is on my report twice under different company names, and finger-hut wrote me stating that the account is in my name and sold the account to another company so they don't own it and it is not mine, also the company they claim they sold it too, does not show up anywhere on any of my reports This other company this account is under is XXXX XXXX account number XXXX XXXX XXXX opened on XXXX. XXXX XXXX account number XXXX XXXX XXXX  opened on XXXX. XXXX XXXX account number XXXX XXXX XXXX  opened on XXXX. XXXX opened on XXXX. XXXX XXXX account number XXXX XXXX XXXX opened on XXXX. This account is duplicate on my report as well under XXXX  account number XXXX XXXX XXXX These XXXX accounts are under different names that are similar and different account number but same owed amounts. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is on my report twice under the same name and different account numbers opened on XXXX & XXXX. 

INQUIRES listed below : 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 XXXXOther than this name and address, and phone number I stated in my disputes are invalid, inaccurate and not mine. Remove. The only name address and number I use is stated in my disputes and in my report filling with CFPB. Remove all that is not that stated in the next section and in attached documents.
Consumer complaint received 2024-08-13
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. (OH)

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$15000.00} **Inquiries** I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible 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
Consumer complaint received 2024-08-14
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balanced {$15000.00}
Consumer complaint received 2024-08-13
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)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-08-11
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: EQUIFAX, INC. (CA)

This has been an ongoing issue that needs to come to an end. XXXX XXXX has single handedly ruined my credit. My FICO went from over XXXX to XXXX overnight. I have been dealing with this for XXXX years and now its XXXX that the credit reporting agencies help get these wrong accounts off my credit report. Equifax XXXX : XXXX XXXX XXXX XX/XX/XXXX The XXXX XXXX  Card listed here is not my credit card number. I have asked for proof of card and debt for over a year. This account and XXXX other XXXX XXXX accounts continue to be sold to the next collection agency and my name and info go right along with an account number that has never been mine never activated or used by me. I feel that XXXX years trying to have this removed from my record and my credit FICO score repaired by the false reporting is long enough. I went from from XXXX FICO to a XXXX overnight when XXXX XXXX Closed my XXXX XXXX and my XXXX personal credit cards which had XXXX balance at the time of closure. XXXX XXXX has never done what they have promised to do and that is repair my credit that they ruined!. 

I now ask that the XXXX credit bureaus step in and get this rectified. 

I have attached my XXXX XXXX XXXX XXXX XXXX I have attached the XXXX XXXX XXXXXXXX payments made to those cards in XX/XX/XXXX I was wrongly reported. And this now needs to be fixed. XXXX XXXX  has been unable to produce my signature for the card numbers sent to collection and and they sent me to collections on something I have never opened owned activated or used. 

I would like XXXX of the XXXX XXXX accounts removed from Collections and false reporting cleaned up with each credit bureau! 

My three credit cards were paid in full they have a XXXX balance. 

This is the only XXXX XXXX credit I have owned, activated used and paid off in full. XXXX. XXXXl XXXX  personal account is XXXX XX/XX/XXXX exp And personal card number XXXX exp XX/XX/XXXX These are my XXXX personal XXXX  XXXX cards and once again the card numbers I owned activated and used are below The ones that were sent to collections and reported her are not accurate they are not my account numbers I have never owned activated or used them I ask that they be removed from the XXXX credit reporting bureaus. 

When XXXX XXXX  reported me they started a snowball effect my XXXX card limit moved down to XXXX XXXX XXXX refused my payment closing the account down. I expect my credit to be repaired this is not right this is not fair.
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: NAVY FEDERAL CREDIT UNION (GA)

First off I was never notified properly by Nave Federal Credit Union of the XXXX debt that violates the FCRA lawsot has come to my knowledge that charge off Is a income and should nit be reporting on my credit even according to the CFPB AND THE IRS INDEBTNESS even the CFPB incorporated what the IRS stated and Nave Federal has reported the charge off that is not suppose to be and I would like to have it removed as inaccurate information off my credit immediately as it is a certificate of indebtness and thus causing and Violating FCRA AND FAIR DEBT 9RACTICE ACT and therefore ELIGIBLE FOR REMOVAL and theFCRA Act that all reporting must be accurate and this is inaccurate reporting violating my Rights to Privacy the 1974 act.The IRS defines charge off as XXXX XXXX XXXX Charge off and canceled debts are considered income and it is not to be reported as such and can not be reported like as too what Nave Federal has done to me I cancel any written, verbal or nonverbal agreements now instantaneously I made with you all And this is inaccurate reporting this shall be removed from the CRAS IMMRDULIATELY UPON RECIEVING THIS NOTICE AND REQUEST
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Pa, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Co ( 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- ( A ) 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 above 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 | will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-08-10
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)

XXXX XXXX XXXX Account # XXXX is fraudulent attached is a ftc report. 

XXXX XXXXXXXX XXXX is listed as me being an authorized user I'm not I've never been.
Consumer complaint received 2024-08-13
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. (FL)

apon looking at my credit profile I notice several fruadulent account as I am a victim of identity theft and these accounts doesn't relate to any transaction that I have made XXXX XXXXXXXX account # XXXX, XXXXXXXX  account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX please Block this information from my credit report, pursuant to section 605B of the fair credit reporting act and send required notifications to all furnishers of this information. Please note no one I file this on my own behalf and according to what I read from your site and CFPB.these fraudulent account is damaging my reputation and my credibility causing me and my family to suffer as a result. enclose are copy of my credit report, my identity theft report and proof of my identity. as well as section 605B of the fair reporting act, which requires you to BLOCK the fraudulent information on my credit report identity theft within ( 4 ) business days and to promptly notify the furnisher ( s ) .please do not try to delay nor reply proclaiming my request doesn't met requirements nor is it a misrepresentation!!!
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I was just looking over my credit report on XX/XX/year> and I found some addresses that appear to be incorrect. 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 reports relates. 

Experian continues to report my address incorrect on my credit report Incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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