davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by Portfolio Recovery. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX Texas to inquiry about the pending active suit against me filed by Portfolio Recovery several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that Portfolio Recovery sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to DELETE from my credit file. UPDATE SEE ATTACHMENTS : Attached proof of documentation from court concerning Portfolio Recovery and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  For Portfolio. Recovery has sent Court order TO DISMISS THE CASE AGAINST ME AND ORDER has been SIGNED BY JUDGE in the jurisdiction, where the initial petition have been filed! Portfolio dismissed my CFPB case I sent on last week and that was close so Im re-opening this because the proof is there in the form of legal document, signed by their hired attorneys from XXXX XXXX and signed by the Jurisdictional Judge in my city. THIS THE SECOND TIME IN ONE WEEK OF MY SENDING THIS INFORMATION TO PORTFOLIO RECOVERY XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against TRANSUNION for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : TRANSUNION has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions. 

2. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, TRANSUNION is in blatant breach of this statutory protection. 

3. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement. 

4. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, TRANSUNION has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates. 

The inaccurate and unfounded reporting of bankruptcy by TRANSUNION is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

SINCERELY, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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. (ID)

I am writing to formally dispute the fraudulent account that has been inaccurately reported on my credit report. I have thoroughly reviewed my credit report and found an account that I did not open and have no knowledge of. This account is negatively affecting my credit score and does not belong to me.

I am a victim of identity theft, and this fraudulent account was opened without my knowledge or consent. In support of my dispute, I am enclosing the copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ).
Consumer complaint received 2023-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I had unauthized money transfers through my PayPal account linked to my credit card. PayPal refused to reverse them. I was able to solve the issue with my credit card company. Now I am trying to close my Pay Pal account. Pay Pal is refusing to close my account. I have called twice and follwed the timeline instructions provided by Pay Pal. They refused to close my Pay Pal account. I need to close my Pay Pal account.
Consumer complaint received 2024-07-12
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. (NJ)

Upon checking my credit file on TransUnion, I found following account has been opened fraudulently and without my authorization on XX/XX/XXXX. Theaccount is with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. This is a case of IdentityTheft. Please remove this account from my credit file.According to an letter from XXXX XXXX  at my residential address dated XX/XX/XXXX, The bank claims the whole account has been paid and XXXX has a XXXX balance ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... When I call bank they say XXXXall bureau ... ... Bureau people say call bank ... ..... Please remove this fraudulent account from my TransUnion Credit file. I also request a credit report from TransUnion credit Bureau send at my residence XXXX XXXX XXXX, XXXX, NJ XXXX... ..... I have also attached FTC report for this.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. These information are inaccurate and do NOT belong to me. Account : XXXX XXXX  Number : XXXX
Consumer complaint received 2024-07-12
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)

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.

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 2024-07-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX, I have checked my credit report on XXXX. And there was some accounts and inquiries that DO NOT BELONG TO ME. and currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit 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
Consumer complaint received 2024-07-12
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. (NC)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2024-07-12
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. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. XXXX  times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my XXXX  well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-12
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!
Consumer complaint received 2022-05-04
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. (FL)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX {$1000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX IN Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-07-12
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. (IN)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2024-07-12
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)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-12
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)

XXXX  XXXX late payments marked in my credit report. I WAS NEVER LATE ON THIS ACCOUNT Marked for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> 2023
Consumer complaint received 2022-05-04
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. (IN)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnion was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Consumer complaint received 2024-07-12
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)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I wrote a formal dispute letter multitude of time came back verified, I have faxed ID LETTERS EMAILS, Equifax wont complywith deletion of said accounts.. they have made my life a homeless one, EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under 15 U.S.C. 1692 ( c ) Incorrect Reporting of Accounts Dear XXXX, I am writing to formally dispute the inaccurate information listed on my XXXX credit report under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( c ). The following accounts on my credit report are either inaccurately reported or do not belong to me : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX mn XXXX XXXX #. XXXX XXXX support enforcement XXXX XXXX XXXX XXXX. 
XXXX Fl XXXX XXXX # XXXX XXXX XXXX / First Premier XXXX XXXX XXXX XXXX. 
XXXX XXXX, SD XXXX XXXX ) XXXX # XXXX. 
XXXX ) XXXX # XXXX LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX #. XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX # XXXX As per the FDCPA, I am requesting that you verify the accuracy of these accounts immediately. If any of these accounts can not be verified, I request that they be promptly removed from my credit report. 

Please send me a written statement confirming that these disputed accounts have been removed or corrected on my credit report. I also request that you provide me with a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period as required by law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Applied for a mortgage thru XXXX. We understood they offered mortgage programs for XXXX XXXXXXXX, Indigenous applicants. Upon review of my application, XXXX, at XXXX pre-purchase counseling, had said : " XXXX XXXX XXXX ( 52 minutes ago ) to XXXX XXXX me Hello XXXX XXXX Looking at the information you provided I can see that our program for lending is not aligned with what you are looking for. I added a resource link below it provides information on other programs that you might qualify for. 
https : XXXX Best wishes, XXXX XXXX '' To which I responded : " XXXX, please provide the criteria for which you made this determination. If you do not, i will forward this entire conversation to the FTC. 
Thank you. '' Please explain to the CFPB the details of this decision, and why the link to XXXX? What is the specific " help '' suggested by providing a link to XXXX?
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :