davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (TX)

Dear Lightstream, I am writing to formally request a reversal of the decision regarding my recent auto loan application, which was denied. The specific reason stated for the denial contradicts my understanding of my financial situation and the commitments made during the application process, see attached. 

It is important to highlight that this auto loan was presented to me as a promise based on a future return. I find it confusing and concerning that a decision has been made to deny an application that was previously positioned as a viable option. I believe that I have not been treated fairly or equitably in this matter. 

As the beneficiary of this extension of credit, I respectfully request that you review my application again. I hope we can reach an agreement that benefits both parties, rather than favoring only one. 

For the sake of transparency and to ensure fair treatment under the Equal Credit Opportunity Act, I have ccd the Consumer Financial Protection Bureau as a witness to this correspondence. 

Thank you for your prompt attention to this matter. I look forward to your positive response
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (NY)

I was a custoter of XXXX ( an XXXX XXXX ) for many years. I was a heavy user of a feature which, by providing XXXX with my login information for all of my external checking, savings, and investment accounts, mint.com would dispay allof these accounts and their current balances on a central " net worth '' dashboard. 

I relied on this dashboard as my " system of record '' for all the the accounts that I owned ( checking, savings, 401k/IRA... ). 

The service was recently taken over by Credit Karma, but Credit Karma does not seem to provide this same feature, and so I've lost access to this central record of all of my owned accounts. I raised my concern about this loss of my financial information with Credit Karma, but their response has been horrendous. The responses don't even correspond to the problem I've been reporting, and after several changes to resolve the issue, I told them I would report this case you the CFPB. 

See the attached email thread with their support team for details on just how unacceptable their response has been
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-07-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

We moved out the XXXX XXXX XXXX XXXX ' apartment on XX/XX/XXXX. We even confirm the moving and provided our new address with the management team ( Please see email attached. ). We never received any communication about any balance since. But on XX/XX/XXXX, over a year later, we started receiving calls and mails from " National Credit Systems '' trying to collect a {$50.00} debt from the XXXX XXXX XXXX APTS ( see history below ). We were never told why we owe this amount. I called the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( please see screenshot ). They confirmed that I did not owe anything when moving out. I then tried to have the collector remove this from my account. To which they refused.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  - XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : MO XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company by the name of XXXX XXXX XXXX appeared on my TransUnion Credit Report approximately around XX/XX/year>. First, I called the company requesting information about the alleged debt. The representative would not provide any information but wanted me to give personal information. And, stated, if I couldn't prove what was needed, that I would need to write a letter. Immediately, I sent a certified letter XX/XX/year> ( please see attached copy of certified receipt ) requesting validation of the debt, the original creditor, an account number, and proof that the alleged debt belonged to me, including any signed agreements or contracts. I did my due diligence and made sure the address that was listed on my credit report was the exact address to send to the company XXXX XXXX XXXX XXXX XXXX. To my surprise, the company returned my letter " return to sender no such number unable to forward. '' The company does not want to be reached neither validate this alleged debt. I have taken the liberty of attaching a transunion credit report that confirms the company 's address that matches the address on my letter and certified receipt that was addressed to the company
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (PA)

IN XXXX OF XXXX XXXX XXXX TOOK POSSESION OF MY MORTGAGE FROM XXXX XXXX. I REQUESTED FOR MY ACOUNT IN XX/XX/year> TO BE PUIT IN AUTO PAY IN WHICH XXXX CONFIRMED TO TAKE EFFECT IN XX/XX/year>. NO PAYMENT WAS TAKING OUT AS PROMISED. ONCE NOTIFIED THAT MY PAYENT WAS LATE I MADE PAYMENT. ROUNDPOINT THEN REPORTED ME AS 30 DAYS LATE HAVEING A NEGATIVE EFFORT ON MY CREDIT. IM CURRENTLY PURCHASING A HOME AND CHARGED MORE INTREST AAND LARGER DOWN PAYMNET.
Consumer complaint received 2024-09-16
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. (LA)

I am a consumer as defined under the Fair Credit Reporting Act ( " FCRA '' ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). 
The companies violated my rights. 
XXXXXXXX XXXX - XXXX # XXXX XXXX XXXX -ACC # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

I discovered that TransUnion, XXXX, XXXX, and XXXX has reported an account in collections on my consumer credit report. This account is inaccurately reflected and constitutes a violation of my rights under federal law. 

Violations of Federal Law : TransUnion is in violation of 15 U.S. Code 1681c ( a ) ( 2 ) ( A ), which states that the inclusion of adverse items of information more than seven years old in a consumer report is prohibited. The collection in question has exceeded this statutory limit.

Additionally, under 15 U.S. Code 1666 ( b ) ( a ), which governs billing errors, it is required that creditors and their reporting agents, such as credit bureaus, properly handle disputes regarding erroneous charges and ensure accurate reflection of account statuses. TransUnion, XXXX, and XXXX, failed to comply with this requirement. 
Furthermore, 15 U.S. Code 1692c ( c ) prohibits continued reporting or communication regarding a disputed debt without proper verification. The collection account was reported without proper validation of the debt. 

I hereby demand that TransUnion, XXXX, and XXXX immediately remove the illegal collection accounts from my consumer credit report in full compliance with the aforementioned legal statutes. 
I further request a written statement confirming the removal of this erroneous collection from my credit report and an updated credit report reflecting the corrected information. 
Failure to remove this account will result in further legal action to protect my rights under the FCRA and FDCPA.
Consumer complaint received 2024-09-16
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)

fter reviewing my report, I noticed the following unauthorized inquiries, which I believe were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are not related to any applications for credit or services that I initiated, and I am concerned they may be the result of identity theft. I kindly request that TransUnion investigate these inquiries, remove them from my credit report, and take any necessary steps to prevent further unauthorized activity.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, EQUIFAX and XXXX. Please delete the following accounts : XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$4000.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$6400.00}
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (FL)

I am writing to request an investigation of the following information that appears on my Credit Reports. I have NEVER opened or used the following account name : XXXX XXXX XXXX Account number : XXXX Account open : XX/XX/year>. I dont recognize the following accounts in question. Im a victim of identity theft and I dont know this account on my report. Im requesting the following information be deleted from my Credit reports immediately.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX 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
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Online information XXXX XXXX XXXX date XX/XX/2019 {$350.00} I did not open this account, and I have never authorized any transactions or credit associated with it. This account was opened fraudulently without my knowledge or consent. 
I kindly request that you investigate this matter, remove the fraudulent account from my credit report, and take any necessary steps to prevent further damage to my credit.
Consumer complaint received 2024-09-16
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. (MD)

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 XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 



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 2024-09-15
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: EQUIFAX, INC. (NC)

I didn't give these companies approval to run a credit check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXIn accordance with the Fair Credit Reporting act Convergent accounts has violated my rights.

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 an account without my written instru
ctions.
Consumer complaint received 2024-09-16
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. (NC)

I am reaching out to address serious concerns regarding multiple issues with my credit report. Upon review, I identified several inaccuracies, including incorrect account listings, inconsistent billing information, and accounts that are not mine. These discrepancies pose a significant risk to my financial well-being, and I urgently request your help in resolving them.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This account was charged off on the following date ( XX/XX/year> ) 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 demanding a deletion of the following XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( 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 ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!