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

Subject : Dispute of Fraudulent XXXX XXXX Account Reporting on My Credit Report Dear TransUnion, I am writing to formally dispute the inaccurate and fraudulent XXXX XXXX account currently reporting on my credit report. This account does not belong to me, and I believe it is the result of identity theft. As such, it is imperative that this account be removed immediately from my credit report to prevent further damage to my creditworthiness. 

Details of the Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Dispute : Fraudulent Account : The XXXX XXXX account listed on my credit report is fraudulent and was not opened or authorized by me. I have never had any dealings or accounts with XXXX XXXX. 
Identity Theft : I believe this fraudulent account is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and verifiable. 
FCRA Section 605B : Pursuant to Section 605B of the FCRA, I request the immediate blocking of this fraudulent account from my credit report. This provision allows for the removal of information resulting from identity theft, provided that a police report or other valid proof of identity theft is submitted. 

I request that you take the following actions immediately : Investigate the Dispute : Conduct a thorough investigation of this dispute under the FCRA and notify XXXX XXXX of this fraudulent account. 
Remove the Account : Permanently remove the fraudulent XXXX XXXX account from my credit report. 
Provide a Response : Provide me with written confirmation that this account has been removed and any related negative entries have been deleted from my credit report. 
If you require any additional information from me to assist in this investigation, please contact me immediately at the phone number or email address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to receiving your confirmation of the removal of this fraudulent account. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
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)

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 2023-11-11
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: Experian Information Solutions Inc. (SC)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$4000.00}.
Consumer complaint received 2024-08-08
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-19
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. (TX)

An account was opened on or about XX/XX/2017 with XXXX XXXX XXXX CT. A balance of {$5100.00} is being reported to Experian as a Collection/Chargeoff. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXX CT and Experian never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Experian is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXX CT nor Experian have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

he credit bureau posted unauthorized credit inquiries on my credit profile. I have requested a full investigation to verify these and the credit bureau has not provided their verification sources they sent me a letter saying that they have verified these inquiries. 

I want to reference several sections of the Fair Credit Reporting Act ( FCRA ) to support my dispute. Section 605B - This section of the FCRA requires consumer reporting agencies to block the reporting of fraudulent information on a consumer 's credit report, including fraudulent inquiries. If I believe that a hard inquiry on your credit report resulted from fraud, I can request that the credit reporting agency block the inquiry from my credit report.

Section 611 - This section of the FCRA outlines my rights to dispute inaccurate information on my credit report. If you believe that a hard inquiry on my credit report resulted from fraud, I can dispute the inquiry with the credit reporting agency and provide evidence of the fraud, such as a police report or affidavit.

Section 623 ( a ) ( 2 ) - This section of the FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on a consumer 's credit report. If I dispute a hard inquiry on my credit report that I believe was the result of fraud, the credit reporting agency must investigate my dispute and either remove the inquiry from my credit report or provide me with evidence to support its inclusion.
Consumer complaint received 2023-10-19
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. (OH)

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. 

Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-19
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)

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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX, XXXX bank reporting inaccurate name, XXXX and late payment. 

This is considered fraudulent reporting and identity theft. 

Requested to be removed. 

Reported to best buy/XXXX XXXXXX/XX/2024 XXXX have account removed from all credit bureaus.. 
CASE NUMBER PROVIDED : XXXX Wrong name on account Wrong SSN on account Late payment on account is inaccurate Statement with amount due not received by law 21 days prior to due date. 
CASE NUMBER provided by XXXX XXXX XXXX  XXXX have account removed due to inaccurate reporting of above information.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, After finding out that our bills were perpaid and reading about consumer law. I decided to apply what I learned and sent it over by certified mail to Capital One Auto finance. The UNITED STATES has been in bankruptcy since XXXX and as part of the XXXX XXXX. There isnt any money in circulation. Once the gold / silver was taken out of circulation. Theres only XXXX currency. You cant pay debt with a debt instrument. The bank never put up anything of equal value. I own the promissory note.. I asked for the company to send me a wet copy of the contract signed between both parties. The company has issued an illegal repossession of my personal property ( my XXXX XXXX XXXX ). I explained to the company it would be illegal for them to send a third party out to steal my personal property. I provided them with this code. 15 US code s-1692f ( unfair practice ) for giving my personal information information to a third party without my consent. The remedy for this issue is simple. Since theres no money in circulation, all bills are prepaid and theyve already been paid 9 x over from my promissory note that has been on the stock market. This contact is null and void and to send me the title of ownership for my vehicle.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute several inquiries on my credit report that I do not recall authorizing. I demand that these inquiries be removed from my credit report immediately. 

The following are the inquiries I am disputing : XXXX, Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, Date of XXXX XXXX XX/XX/XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX Furthermore, in some cases, the data furnisher has violated Metro2 reporting compliance by not reporting their contact information. I request that these unauthorized inquiries be removed from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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. 

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!
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-11-11
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. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (NY)

I would like to address the challenging situation I faced during the COVID-19 pandemic. All of my family members lost their jobs and were fearful about the future. The responsibility to support my family fell on my shoulders, as I was the sole member working from home remotely.

Suddenly, I found myself dealing with financial difficulties in managing all our financial responsibilities. This led to some missed credit card payments. Prior to the pandemic, I had also gotten married abroad, and I needed to support my wife as well. Due to these circumstances, I struggled to make my credit card payments during the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I had contacted my credit card company, TD Bank, to request the removal of these missed payments, but unfortunately, no action was taken. Despite the challenges posed by the pandemic, I eventually managed to make payments with the assistance of a credit counseling company and successfully cleared all my outstanding balances. However, those missed payments continue to negatively impact my credit report. 

Therefore, I kindly request that you consider removing these missed payments from my credit card history. I understand the importance of maintaining a good credit record and hope for your understanding and assistance in resolving this matter.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AZ)

I ordered a replacement Cash Card from Cash App due to my current Cash Card being damaged. When I received my new Cash Card, I activated it and was able to add it to XXXX XXXX, but every attempted transaction I made with XXXX XXXX was declined. I contacted Cash App about this and they said to contact XXXX, who said that the Cash Card was not working due to Cash App not having activated the replacement Cash Card. I had activated the replacement XXXX XXXX when I received it, but apparently it was not showing as activated on Cash Apps end. So I contacted Cash App once again so that they could activate my Cash Card correctly, and they declined to do so and said that they were unable to allow my Cash Card to be used with XXXX XXXX  for security reasons. So I ordered a new replacement Cash Card hoping that this would resolve the issue, but now I can not use my Cash Card at all due to the new replacement Cash Card also being declined at every instance. My Cash Card is my only method of payment, meaning that I am unable to pay for any basic necessities because of an error by Cash App.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with TransUnion was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

TransUnion 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