davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I filed a deputy on XX/XX/2024 and the file number is XXXX regarding credit card that does not belong to me or have I authorized anyone to put me on their credit card. 

I received a letter from this company who is supposed to be XXXX XXXX. In their letter they didn't provide any proof the account belongs to me just saying they want to remove from the account. I called Equifax on XX/XX/2024 @ XXXX and talked with XXXX XXXX XXXX XXXX telling him about the letter and asked did I need to send the letter to them and all he said was it was under investigation. I explain to XXXX that my credit reporting is has account number on it XXXX. But the letter does not reference that account number at all. 

Equifax is not handling my account properly or trying to collect any information from that I can show that this account does not belong to me.
Consumer complaint received 2024-08-05
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. (FL)

" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-22
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. (AZ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Case number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Non-Compliance with Section 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally address Equifax 's failure to comply with Sections 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act ( FCRA ), following the submission of my signed, dated, and stamped self-attestation form from a recognized XXXX. While both XXXX and XXXX have honored my request and successfully blocked the identified adverse items of information from my credit report, Equifax has failed to take similar action, resulting in discrepancies on my credit report.

Section 605 ( b ) of the FCRA clearly outlines the prohibition against the continued reporting of adverse information when certain conditions, such as the provision of a self-attestation, have been met. Despite my compliance and the submission of all necessary documentation, Equifax has not fulfilled its legal obligations to investigate and block the inaccurate information in question.

I demand that Equifax immediately correct this oversight by removing the identified adverse items from my credit report. Failure to comply with the legal requirements under Sections 605 ( b ) and 605 ( b ) ( c ) places Equifax in violation of the FCRA, and I reserve the right to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary.

I expect written confirmation that the discrepancies have been resolved, as well as an updated copy of my credit report, within 4 days of receiving this letter persuant to section 605b and 605 ( b ) ( c ) of the fair credit reporting act Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CARRINGTON MORTGAGE SERVICES, LLC (SD)

In       XXXX   XXXX   2016  we found out we had a delinquent  XX/XX/XXXX  mortgage payment to Carrington M ortgage Services when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recie ved   XX/XX/XXXX  payment. T he  XX/XX/XXXX  p  ayment made th e  XX/XX/XXXX   payment and now I was  XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to Carrington. I called Carrington several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XX/XX/XXXX  I ch ecked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted Carrington Mortgage and told them what I had found out. I mad e 2 pa yments to Carrinton at this time . One ch eck for   XX/XX/XXXX  a nd the other for the missed payment. At this time I asked them if they could please contact the  major Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX    XXXX   stating the payment was sent on   X/X/16  m aking   XX/XX/XXXX   payment. The letter I recieve from Carrington stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with  Credit Reporting Companies.
Consumer complaint received 2024-08-20
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (AR)

XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Arkansas  XXXX  Update on  Huntington   XXXX   Huntington National B ank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  Attn : Consumer protection compliant dept.      To w hom it may concern : Huntington b ank registered out Ohio has used an intimidation tactic by unlawfully and erroneously reporting a false statement to the bureaus that made my credit drop by  XXXX  points. I filed a  UCC1  document and submitted it to huntington which they did not want to honor my status fili ng. Huntington b ank then closed my account without proper reason. The only reason they closed it was because I submitted m y UCC1. I have never missed a payment, even after I submitted my UCC1 I was still making payments and waiting for Huntington  to accept my filing document. They then closed my account without a noticed nor a reasoning other than they claimed I told them I would not pay, which my no sense because my bank acct spoke for itself that I was still paying even after I submitted  my UCC1 ba ck in  XXXX . When the bank illegally reported my acct to be delinquent in  XXXX  I called the bank and they said that was a mistake and was going to correct it but never did. They have been harassing me about paying for a closed account. They are trying to get me to pay for a closed account that never should have been closed. I was making payments every month on time until they lied to the credit companies that I wasnt putting in a negative  credit score.   Additionally to having a credit card with  Huntington bank I also had a saving acct that I was paying Huntington from. I never got a chance to pay with any other negotiable instrument since Huntington never ac cepted m  A4V in the  mail. I can proved that I was paying after I submitted my  UCC1 so they claim that I told them I wouldnt pay is a lied on their end. they can see that on their end that I was paying and yet they still closed my account because they did not want to honor my UCC1. I could have stopped paying after I submitted my UCC1 b ack in  XXXX  but I paid  XXXX  and  XXXX . I only stopped paying after they illegally and falsely reported acct to be delinquent making my score drop  XXXX  points. Just ask them for my bank statement from the time I submitted m y UCC1 b ack in  XXXX  of this year.      Sincerely   XXXX   XXXX
Consumer complaint received 2024-08-22
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. (FL)

I was stunned this morning to discover that there are inaccurate accounts on my credit report, and I have no idea how they got there. I regularly monitor my credit report, but this time, these errors just showed up out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the inaccuracies persisted. This has me really XXXX, so Im asking that the documents I provided be thoroughly reviewed to prevent this from happening again.
Consumer complaint received 2024-08-20
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNt : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-15
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: Experian Information Solutions Inc. (MD)

I filed a dispute with Experian,  XXXX , and   XXXX   in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US ba nkruptcy court. I sent a letter to  the US Bankruptcy court on    XXXX   XXXX ,    2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work  with the bureaus directly. I Then sent a letter to Experian  XXXX , and  XXXX  on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided Experian,  XXXX , and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and they told m e the same thing.
Consumer complaint received 2024-08-22
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. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX
Consumer complaint received 2024-11-01
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. (PA)

I am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove the following accounts and inquiry from my report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a bankruptcy reported on my credit report that is incorrect. I have disputed it and the CRA has maintained that the court has verified it. This is a lie, the court verifies no such information. I have included the transcript of the voicemail left by th e Clerk of Court. She has provided her number if they need to call for follow up. I 'm  not sure where they are getting the information but it is not from the court as they have said. Additionally they verified the bankruptcy as a reported "  XXXX  '' balance case. I 'd like to know who files bankruptcy on for a  XXXX  balance? The clerk has also verified they do not provide social security numbers or birth dates to PACER or the likes. The reporting of this information is a clear violation of the FCRA.
Consumer complaint received 2024-08-27
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. (HI)

XXXX XXXXXXXX XXXX  Last Payment XX/XX/year> Old debts should be discharged from my credit report after theyve reached their legal expiration, in the state of Hawaii the statute of limitations is 6 years.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-08-27
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. (HI)

XXXX XXXXXXXX XXXX Last Payment XX/XX/year> Old debts should be XXXX from my credit report after theyve reached their legal expiration, in the state of Hawaii the statute of limitations is 6 years.