davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Bank statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX  XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.
Consumer complaint received 2023-06-28
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. (TX)

I paid off my XXXX loan in XX/XX/XXXX. XXXX XXXX XXXX said that I owed {$500.00} dollars for fees and charges. Not car payments. I referred them to XXXX and XXXX of XXXX when I paid those charges. They have reported late payments to all 3 bureaus. ( XXXX, Equifax, and XXXX ) I told XXXX that I was going to take legal action, and they sent my account in as a Charge off / Collection without the account ever being late. Even in their fraudulent reporting, they have me 60 days late in XXXX Then XXXX. no XXXX, XXXX, XXXX, or 180 days late. Then the charge-off. ALL TOTALLY WRONG. 
I have proof. XXXX sent me the letter of " PAID IN FULL '', and the Cars title, with the lien released. I sent letters to all three bureaus in XXXX and XXXX with copies of the account payoff letter and the car 's title. With a demand to delete this account if full, because it is wrong all 6 of the months at the end of the loan. I can supply the paid in full letter. And a copy of the title that XXXX sent me on XX/XX/XXXX. I wrote all three bureaus ' letters to delete. They are in the ATTACHMENTS.
Consumer complaint received 2024-09-17
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. (IL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Bank statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX and XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.
Consumer complaint received 2024-09-17
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. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible : Account Name : XXXXXXXX XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount NumberXXXX Account Name : XXXX XXXX XXXX XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I being trying to fix my credit score with Equifax they are saying that I have a delinquent account with XXXX XXXX XXXX  but they are the only ones putting this in my credit score XXXX have this account close I pay this loan on XX/XX/XXXX I strat a complaint with them on XX/XX/XXXX and they lower my credit score even when I send them the proof that the loans was paid of I did a second complaint with the same result. I need help this is affecting my family cause we are trying to buy a house
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) as violated my rights. XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX 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
Consumer complaint received 2024-10-10
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. (AL)

RE : RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX XXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

For a few YEARS now, annualcreditreport.com has " locked me out '' for one reason or another so that I have not been able to print out my 3 reports ( stating that " I already got my 3 reports '' when I had NOT ). I HAVE been notified by a couple companies this year that my " personal data has been breached, including SS # and birthdate '' ( which supposedly entitles me to a free credit report ). I tried submitting a WRITTEN request for my personal credit report and I waited a couple weeks for my reports to be sent to me and STILL THEY WON'T SEND MY REPORTS TO ME. Today I submitted a request for help with this with my senator, and I also tried to submit a phone request with annualcreditreport.com. I have literally tried FOR YEARS to get a copy of my personal credit records and have been unable to ever get my information through their website nor through a written request. Maybe CFPB can knock on their door and have them actually respond to my requests in writing and phone since their website has been an unusable method for several years for me to access my reports and because WRITING to them also failed to get a reply. Please help me to finally just get my credit reports. Pretty please?
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Companies have violated the fair credit reporting act & fair debt collection practices act, violated can spam & failed for 2 years to produce accurate scores, attempting to deny previous history from XXXX
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Deinde Online Services, LLC (KY)

I am using XXXX  so some of the words XXXX be interchangeable anyway in XX/XX/year> Integra credit claimed I made for was given a loan. In XXXX oh no it was in XXXX of 2023 they were trying to take money from my account at XXXX which I denied or refuse the charges. So in XXXX they wrote me again about a loan that I did not receive. I XXXX have failed out long papers because I was trying to argument my account or put money in my account but I have money coming. I did not take the loan I did not receive the money and they have continuously harass me about funds that I did not receive. See you attachment. In XXXX I called the bank and did a conference call with their people and the bank and the bank told them that there was no loan applied to my account. They are calling me XXXX times a day or more and leaving messages or burning up my phone.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Purchased hand made pottery in XXXX on XX/XX/2022 and paid {$910.00} including shipping and insurance. The package was not delivered until XX/XX/XXXX when we were leaving on another trip. Since there was no external damage visible, we signed for the package and put it in the house. When we returned from our trip on XX/XX/XXXX, we unpacked the box and one item, a platter was broken. All other pieces were fine. We contacted the merchant in XXXX and sent pictures of the broken platter. They told us to take it to the US Postal Service and we did on XX/XX/XXXX. The US Postal Service reported the damage to the XXXX Postal Service. We received a letter from the US Postal Service requesting information to report back to the Italian Postal Service dated XX/XX/XXXX and we returned it promptly. We received a phone call from the XXXX Postal Service to say the damage was being reported to XXXX and on XX/XX/XXXX we received a document from the US Postal Service saying everything was processed and the refund would come from the merchant in XXXX. On XX/XX/XXXX we again contacted the merchant asking about our refund and they said that as of XX/XX/XXXX, the XXXX Postal Service had not been notified of a problem. I sent the merchant the paperwork from the US Postal Service and again requested a refund. When no refund was process, I disputed the portion of the charge for the broken platter- {$240.00}. Capital One accepted the dispute and after a few weeks said the dispute was resolved in favor of the merchant because we did not provide the requested information. I had sent a letter, an invoice, photos and all of the US Postal Service paperwork. I again submitted a dispute and sent even more detail and even though the US Postal Service still has the broken item, Capital One says the merchant is right and no further dispute may be processed. What good is a credit card company if they can not handle something as straight forward as a clearly documented broken item and a merchant stonewalling.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing regarding fraudulent personal information associated with my identity. Accounts and transactions have been falsely attributed to me without my consent, causing significant distress. As a victim of identity theft, I've already reported this incident. 

I request your immediate action : 1. Remove all fraudulent information from my credit report.

2. Conduct a thorough investigation into this matter.
Consumer complaint received 2024-10-09
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 sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-04-04
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: BARCLAYS BANK DELAWARE (CT)

In accordance with the fair credit reporting creditors have violated my rights.

15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 second 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed an account that was reported inaccurately. I see one collection that have nothing to do with me, but everything to do with the owner of the property, that had repair on the water consumption problem. The consumer reporting agency needs to report all information with complete accuracy, this account has not been late on payments Ive attached a copy of my complaints on ( XXXX, XXXX ) Im now requesting you to investigate this account and update these payments as paid on time asap.