davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (MN)

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK (TX)

On XX/XX/XXXX, we were given ACH instruction from our vendor, XXXX XXXX XXXX We made an ACH payment of {>= $1,000,000} to the account number on First Horizon Bank in Tennessee on the bank letter on XX/XX/XXXX. First Horizon Bank contacted our banker, XXXX XXXX, on XX/XX/XXXX that the account that we made payment to has high amount activities that is suspicious. After investigation, we contacted First Horizon Bank regarding the account but they refused to give any information of the account.
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This collection was removed from my credit report and has now reappeared with no knowledge as to why. Also I have not received the response from my previous complaint or the purchase agreement that was requested on their right to collect the debt. A list of charges does not verify debt is mine and that I owe this company that is not the original creditor. 

15 USC 1681b
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-28
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to XXXX XXXX XXXX ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating XXXX XXXX XXXX ( b ). This account is closed on XXXX XXXX but they also show being reopened the same date of XXXX XXXX. This is fraudulent and I would like to have it investigated and removed completely from all three credit agencies.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They have refused to remove inaccurate personal information from my credit report. I sent letters to the credit bureaus via XXXX XXXX Mail with the following details : XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX  The letter concerned a XXXX address that I have never lived at or been to before. This is not my current or previous address. 

TransUnion : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX The letter addressed a XXXX address ( which I have never lived at or been to before ) and a XXXX address, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, which is not my current or previous address. 

XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX. The letter concerned an XXXX  address that I have never lived at or been to before. This is not my current or previous address.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OH)

I thought my credit card number was stolen, so I called Wells Fargo to let them know. They said they'd cancel it and send new ones. When I received the replacement card, I called to activate it. One of the things that their representative volunteered was if I had recurring charges, I'd have to set them up myself. 
I saw one of the recurring charges that I intentionally did not set up included on my billing statement. 
I called Wells Fargo to discuss this. It took me three people to get this answer, and it doesn't seem like it's legal. 
I was told that Visa provides a service to businesses that reestablishes the recurring charges without your knowledge, or consent. 
My major concern is what if I cancelled that credit card due to issues with a vendor, and that vendor is just able to ask visa to start charging again.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TransUnion, and XXXX are reporting a credit account from XXXX XXXX  that does not belong to me. This account and balance do not belong to me, and I have sent documentation multiple times. It is fraud and identity theft, and they have not resolved this matter within the allowable 30 days. I have also sent all identity theft and fraud reports, along with a letter from XXXX XXXX  advising them to remove this account.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion 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  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX XXXX. 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 : Reason for Dispute : I made the payment on time, but it was incorrectly reported as late due to a processing delay by the credit union. I have attached my bank statement showing the transaction date, which clearly indicates the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 2024-08-23
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. (FL)

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-16
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. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-14
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. (LA)

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

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX - XXXX {$2500.00} Account Name : XXXX # XXXX - XXXX XXXX$2500.00} Account Name : XXXX # XXXX - XXXX {$600.00} Account Name : XXXX  # XXXX - XXXX  {$1900.00} Account Name : XXXX XXXX # XXXX - XXXX  {$120.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Account Name XXXX XXXX  # XXXX - XXXX  {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  {$1900.00} Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX {$610.00} Account Name : XXXX # XXXX - XXXX {$1500.00} Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-14
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. (MS)

On XX/XX/XXXX I demanded deletion of the Public Record XXXX and all accounts that has XXXX listed with it deleted off my credit report if no physical verification is able to be provided. I received a notification via email from Transunion and XXXX saying my Public Record was updated after both credit bureaus were reporting inaccurate information. If I read the law correctly under FCRA it stated that inaccurate information should be removed deleted. I received a letter from the Court stating they do not provide XXXX information to the credit bureaus.
Consumer complaint received 2024-09-14
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-14
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)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX - XXXX 2. XXXX OF XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX - XXXX 6. XXXX  - XXXX 1. XXXX  - XX/XX/XXXX 2. XXXX  XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-14
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. (TX)

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

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00}
Consumer complaint received 2024-09-14
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-09-05
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. (WI)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (TN)

On XX/XX/year>, I mailed a letter to Experian, XXXX, and XXXX requesting them to remove inaccurate information from my credit report. They did not respond, so an additional letter was mailed out on XX/XX/year>, to Experian, XXXX, and XXXX requesting that the debt be validated and to send me a copy of all original contracts validating the debt. All but one responded ; however, they did not validate the debt, and the inaccurate information remains on my credit file. Experian and XXXX responded
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TO WHOM IT MAY CONCERN, 15 USC 1681s-2 STATES THAT A CONSUMER REPORTING AGENCY SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER IF THE CONSUMER KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. I HAVE MULTIPLE ACCOUNTS THAT ARE INACCURATE ACCORDING TO TAX LAW 26 USC 61 SECTION 11 STATES THAT DISCHARGE OF INDEBTEDNESS IS CONSIDERED TAXABLE GROSS INCOME PER THE IRS CLEARLY DEFINES A CHARGE- OFF AS GROSS OR ORDINARY INCOME AND INCOME DOES NOT GET REPORTED TO A CONSUMERS CREDIT REPORT, WHICH MAKES THIS INFORMATION INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR ALL NEGATIVE ACCOUNTS. ALSO, I HAVE NO KNOWLEDGE OF ANY OF THE INQUIRIES AND COLLECTION ACCOUNTS WHICH MAKED THIS INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR THOSE ACCOUNTS AS WELL!
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I mailed a dispute letter to Transunion via USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. To facilitate Transunion 's verification of my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address.

However, I received a response from Transunion dated XX/XX/XXXX, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request.

According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item of information in their file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Transunion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA.
Consumer complaint received 2024-09-14
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. (NY)

I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.