davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello i initially sent a dispute out to XXXX about this account with XXXX on XX/XX/year> there was also a cfpb complaint sent with the complaint id XXXX. MY dispute results came back saying it was verified but yet after pulling my credit report there are still errors and violations. How is the account verified as accurate when XXXX did an investigation and said the same thing but the facts on the accounts are not matching on XXXX  profiles. According to the law consumer report have to be reports with maximum possible accuracy that is 100 %. XXXX pointing out again you are in violation. Furthermore transunoin failed to notate this account was in dispute and it has been way over XXXX  days from the time I sent the dispute, 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 3 ) -Duty to provide notice of dispute. Delete this account from my report please immediately. This is a also a violation of 15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors and ( B ) Reporting information after notice and confirmation of errors. I'm attaching the previous dispute i sent as well as the screen shot and the markups of the violations.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (CA)

I used XXXX to pay for a service from my USBANK ACCOUNT. 
XX/XX/XXXX  I sent {$120.00} XX/XX/XXXX  I sent {$350.00} XX/XX/XXXX  I sent {$200.00} When I viewed my USbank account Statement instead of the above listed amounts the USbank account listed the following payments which I didn't authorize. 
XX/XX/ I sent {$1200.00} XX/XX/ I sent {$3500.00} XX/XX/ I sent {$2000.00} I filed a dispute with USBANK and they never responded and never returned my funds.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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 XXXX  days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-25
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)

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In XXXX XXXX XXXX and XX/XX/year> I have written Equifax, XXXX and XXXX about late payments they are reporting on XXXX  XXXX account. I believe it is in violation of FCRA 15 USC 1666b.
Consumer complaint received 2024-06-25
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. (CA)

The credit bureaus are violating my rights by reporting inaccurate information on my credit report and I beleive that is a violation of the FCRA and FDCPA. I'm about to speak ti a FCRA attorney about this.
Consumer complaint received 2024-06-25
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)

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
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 2024-09-24
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services (CA)

There is XXXX hard inquiries on my credit report for XXXX. Its only supposed to be XXXX to others that is fraudulent and I would like them removed so Im making a statement so I can give it to XXXX in order for them to remove it.
Consumer complaint received 2024-08-07
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. (GA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-26
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. (NJ)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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. (NV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-22
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: EQUIFAX, INC. (CA)

Equifax credit bureau : I wanted to submit a complaint about hard inquiries that have been made to my account without my knowledge. I had no knowledge about these hard inquiries and they are a result of identity theft and I am requesting for them to removed no later than XXXX business days per 15 U.S. Code 1681c2. I will attach a list of the hard inquiries needed to be removed as some are linked to open accounts not all are meant to be removed. The list of the hard inquiries needed to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX credit bureau : I wanted to submit a complaint about hard inquiries that have been made to my account without my knowledge. I had no knowledge about these hard inquiries and they are a result of identity theft and I am requesting for them to removed no later than XXXX business days per 15 U.S. Code 1681c2. I will attach a list of the hard inquiries needed to be removed as some are linked to open accounts not all are meant to be removed. The list of the hard inquiries needed to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have been a victim of identity theft. I have reported these to the bureaus but they dismissed my claims and told me to resend my documents. I've gone back and forth with them since XXXX but no results. I generated new FTC reports and I will attach them to this case. Please delete the fraudulent accounts from my credit reports asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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
Consumer complaint received 2024-06-20
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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. XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-06-25
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)

trans union has record that I did not pay XXXX XXXX {$7500.00} this info was reported from a credit agency, debt buyer on XX/XX/year>. I never did business with this company.T/U file # on this is XXXX. I disputed this with T/U and was told all their docs are correct. This might be ID theft or mistaken ID. this info was reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. phone # XXXXi called XXXX and was told they could not find any details on me or claim. I called XXXX again, used their automated system, and was told by computer voice my balance was {$450.00}. I tried to contact XXXX and could never get a human voice and was disconnected with their auto phone process,
Consumer complaint received 2024-06-25
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. (FL)

The account was opened on XX/XX/XXXX, by XXXX XXXX and XXXX XXXX with XXXX XXXX as a student loan for {$25000.00}. My social security number was used as a co-signer without my knowledge. The account was opened online, with no signature required. I discovered this fraudulent account in XXXX when XXXX XXXX started falling behind on payments. I confronted him via XXXX, but he blocked me. I then confronted XXXX XXXX, who refused to pay. Subsequently, XXXX XXXX passed away due to XXXX. XXXX XXXX, now an adult, left the United States for XXXX XXXX, beyond the reach of U.S. law. As a last resort, I reported the forgery and fraud to the police. I also submitted evidence to XXXX XXXX, but they claim they can not find evidence of fraud or identity theft. The amount has increased to {$36000.00}
Consumer complaint received 2024-06-25
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LDF Holdings, LLC (IN)

I got an email today, XXXX XXXX, stating that I had allegedly applied for a loan from some company called Lendumo, but had been denied. The application was submitted sometime on or around XXXX XXXX. I never submitted any loan application at that time. I don't know how, but someone keeps getting my information and using it to apply for loans. I am past sick and tired of it.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM WRITING TO REQUEST AN ACCURATE AND CORRECTED REMOVAL TO THE FALSIFIED/INACCURATE DEBT FROM MY CREDIT REPORT REMOVED IMMEDIATELY! 

I HAVE ALREADY DISPUTED THIS ISSUE THROUGH XXXX AND IT WAS ACCURATELY CORRECTED AND REMOVED. HOWEVER, IT STILL STANDS INACCURATE AND INCORRECT ON MY CREDIT REPORT FOR EQUIFAX AS WELL AS XXXX. 

I HAVE HAD MULTIPLE IDENTITY THEFT ISSUES AND THIS WAS BY FAR THE WORST, HAVING SOMEONE ILLEGALLY OBTAIN MY PERSONAL INFORMATION AND USE IT FOR A CAR LOAN DURING THE TIME OF THE COVID OUTBREAK. 

IN ACCORDANCE WITH FRCA, SECTION 611, I AM REQUESTING ONCE MORE FOR THIS INFORMATION TO BE REVIEWED, CORRECTED AND REMOVED! IN LIEU OF SENDING THIS INFORMATION, YOU CAN REOPEN THE DISPUTE AND ENSURE A PROPER INVESTIGATION IS PERFORMED.
Consumer complaint received 2024-06-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (FL)

NTL Recovery Agency is insisting aggressively and have damaged my credit score on purpose from a false representation of a fallacy that is far from the truth. This unknown predatory debt collector is trying to collect the wrong amount of debt. The bad debt that NTL is falsely trying to collect is {$1700.00}. I am requesting again from NTL Recovery Agency for an itemize bill. I am legally entitled to it. I have been overcharged due to my lack of ignorance. Now that I know, I could question and dispute any inaccuracies, false statements and/or representations. 

All charges could be lower by visiting this website : XXXX 
As a consumer, I have rights and will like to exercise them in a new and meaningful way. I can contact the original creditor billing department and dispute my charges and leaving the middle man out of it.
Consumer complaint received 2021-02-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

CFPB, This is my fourth dispute over the past couple of months I have file in regards to XXXX, TransUnion and XXXX  violations and none compliance of the Fair Credit Reporting Act. XXXX, TransUnion and XXXX  continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. XXXX  continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to XXXX  most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX XXXX form showing my name, home address and SSN to XXXX. 

CFPB, XXXX  in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to XXXX, TransUnion and XXXX  through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with XXXX and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. XXXX  knows my identity this is willful stall tactic to not delete this inaccurate information from my credit report.
Consumer complaint received 2024-06-25
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.