davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (TX)

You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be verified or removed immediately. The following laws also applies to these accounts : 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE, 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Therefore, the following accounts are disputed as invalid : XXXX - Name : XXXX ( 3 accounts with same account numbers ), Account Number : XXXX ; XXXX - Name : XXXX XXXX, Account Number : XXXX
Consumer complaint received 2024-07-25
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. (AZ)

After carefully reviewing my credit report I noticed that the following accounts listed below are inaccurate and do not belong to me. I did not authorize anyone to furnish these accounts. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I requested a detailed summary of the investigation that was conducted and never received anything. I have attached my credit report and as you can see nothing has been updated or deleted the accounts are still inaccurate. I have also attached an identity theft report from the FTC. I want these fraudulent accounts deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (CA)

I havent gave XXXX, Equifax or XXXX the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX Equifax and XXXX are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

There were 2 occurrences I was already a member of fifth third bank for a while having a checking/savings account so I got a credit card with them XXXX of XXXX. In XX/XX/XXXX I accidentally missed a payment it was reported late on my credit. Meanwhile for no apparent reason I was kicked out of the bank they closed my checking/savings account but allowed me to keep my credit card. I went to XXXX and opened 1. In feburary XXXX I called to make a payment to fifth third for the credit card I still had with them with my checking account that I had opened with XXXX but gave them my saving accont number by mistake the payment was returned but I was never contacted by 5th third alerting me about the situation. I only used my card for emergencies anyway. 1 day I went to use it and it didnt work I contacted 5th third they informed me that my credit card account had been closed due to non payment for 30 days I still payed it off but they said they can't reopen my account or remove the late payment.
Consumer complaint received 2024-07-31
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-31
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. (IL)

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-07-25
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 ' business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because this account shows different dates conflicting on any truth to understand the exact date under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX  on XX/XX/XXXX or XXXX XXXX or whichever date because the data furnished for this fraud account has different information being publicly furnished under the account number ( XXXX ) and furthermore examined another XXXX XXXX  account opened at XXXX XXXX on XX/XX/XXXX or XXXX XX/XX/XXXX or whichever date as multiple dates are XXXX publicly furnished under multiple agencies under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've have not attached a list of the hand inquiries in questions a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. this has been Reported with the XXXX XXXX XXXX XXXX Police station in the United States Of America California Republic
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (TX)

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
Consumer complaint received 2024-07-22
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)

I am certain you are aware that threatening legal action without the intention to follow through is illegal. Thus, be informed that I am resolutely serious about pursuing legal action against your company. I have sent numerous letters requesting that you investigate and remove all inaccurate information reported on my credit profile, yet you persistently fail to comply. It is my understanding of the law that you are obligated to honor each request to investigate incorrect information, which you have evidently ignored. This blatant disregard is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides individuals the right to take legal action against consumer reporting agencies and furnishers of information for non-compliance, including penalties and liabilities. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (AL)

This is the XXXX complaint I've made in regards to this issue. I was reviewing my consumer report and was challenging a " Charged-Off '' account for XXXX XXXX XXXX XXXX XXXX was paid in full in a timely manner. The original creditor ( XXXX XXXX XXXX ) decided to alter their information after I made an initial complaint with you guys. I've shown proof they were incorrect and had been paid. I am now seeking the credit agencies ( EQUIFAX, XXXX and XXXX ) correct the improper reporting record on my report. I should have never had a charge off placed on my consumer report and it has been hazardous to my credit score. It has been affecting me in a negative manner by preventing me to receive credit. I am providing the information dated XX/XX/XXXX that shows my insurance paid ( {$11000.00} ) on an owed amount of ( {$13000.00} ) which left a reamining balance of ( {$2200.00} ). I will also provide the GAP Insurance check in the amount of ( {$3600.00} ) which covered the remaining balance with an overpayment of ( {$1400.00} ). Then I've place the warranty cancellation check that was supposed to have been credited to the account in the amount of ( {$920.00} ). My insurance overpaid ( {$230000.00} ) and I have never received my money from the company. Not only have they not paid me, they've caused me financial damages in the aspect of being denied credit. I am currently seeking to go to arbitration so that I can sue in the amount of {$10000.00} ( I will upload paperwork ). The last car I purchased came with a higher interest rate and higher car payment due to the unsatisfactory business provided by XXXX XXXX XXXX. There are various inaccuracies that have been shared amoungst the XXXX credit agencies and thats why this report needs to be CORRECTED on my consumer report. FIRST OFF they were paid so a charge off should never have been on the account. Also there is a different " Last reported day '', " Date last active '' and " Date of last payment '' accross the board for all 3 agencies. Furthermore they have illegally reaged the account by continuing to report the charge off every month. These inaccuracies can easily be confirmed to not be true based on the information they've provided vs the proof of the documentation that I have uploaded. There's been a violation of 15 USC 6801 from the beginning by even reporting my transaction history. Thats a strict violation of the Privacy Act of 1974 which can be found at ( 5 USC 552 ( a ) ). Please enforce the 3 agencies to do the right thing for my accounts to prevent this negative damage from lasting any longer.
Consumer complaint received 2024-07-30
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: Porsche Financial Services, Inc. (MD)

Porsche Financial Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter. 
XXXX. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments.

Documentation verifying that you have the legal right to collect this debt.

Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports.

2. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports. 
3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated 10 hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (NY)

Account XXXX Synchronicity Bank This debt was paid in in full by check on XX/XX/year>. The final payment/settlement check was accepted and deposited by Synchronicity Bank . They are still unlawfully seeking to collect on this debt even though the matter was settled. 

This was a loan payable in auto payments for a XXXX XXXX The auto pay was taken out every month, payable with a XXXX percent interest rate. There was a misunderstanding regarding the teaser rate, and the Bank then sought to claim all of the back interest. I spoke to a supervisor on the phone, and offered a settlement of only the outstanding balance. I sent a check marked FULL AND FINAL PAYMENT with an offer letter. The bank accepted my offer and deposited my check. 

This matter is resolved and settled. They are unlawfully still trying to collect and have notified credit agencies.
Consumer complaint received 2024-07-30
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 ) -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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-22
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. (MO)

I am writing to file a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report. I believe these inquiries were made without my permission, and I am requesting that they be investigated and removed from my credit file. Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are negatively impacting my credit score and have caused me considerable distress. I did not authorize any of these entities to conduct credit inquiries, and I am concerned about the potential misuse of my personal information. 

I request that the CFPB investigate these inquiries and take appropriate action to have them removed from my credit report. Additionally, I would like to be informed about the steps taken to address this issue.