davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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: Experian Information Solutions Inc. (TX)

I am saddened with the result that I got when I saw my credit report. I send many dispute and still you cant remove the inaccurate information. The furnisher failed to send me a proof to support their claim on status of these accounts and yet you guys are able to verify your account? How can you verify these accounts? How can you verify these when the furnisher cant? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 to be removed/updated. 

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 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 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!
Consumer complaint received 2024-10-07
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. (GA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-08
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. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-08
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. (AL)

Sent past disputes in over 60 days ago and nothing was changed. The accounts are not accurate and not verified and must be deleted immediately from my consumer report. The consumer reporting agency did not do a proper investigation on these accounts. They did not provide me what i asked for or required in the disputes and are still reporting these accounts. I DEMAND UNDER THE FCRA THAT THESE ACCOUNTS LISTED IN THE RESOLUTION BOX, BE BLOCKED AND DELETED IMMEDIATELY.
Consumer complaint received 2024-10-08
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. (IL)

Upon checking my credit report, I have discovered a few fraudulent hard inquiries, these hard inquiries are XXXX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX, these inquiries are fraudulent and I request them to be deleted from my credit report, as soon as possible.
Consumer complaint received 2024-10-08
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. (TN)

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 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-08
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. (FL)

On XX/XX/year>, I sent a formal letter to XXXXXXXX XXXX XXXX  requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXXXXXX XXXX XXXX 
This failure to provide debt validation within the required 30-day period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to XXXX different XXXX XXXX XXXX Addresses ). 
Given that XXXX XXXXXXXX XXXX  did not validate this debt within the legally required timeframe, I hereby demand that Transunion immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Reported Balance : {$11000.00} Balance
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Over the past few weeks, I have encountered a series of unauthorized transactions totaling over {$7000.00} from multiple merchants. 

Initially, I filed a dispute with XXXX, the payment platform through which these transactions occurred. However, XXXX denied my claim, citing that the seller provided information indicating I had authorized these transactions. They mentioned that the seller referenced IP matching as evidence of my authorization, despite the fact that I did not receive any goods or services from them. 

In light of XXXXXXXX XXXX denial, I escalated the issue by filing a dispute with Chase Bank, my credit card issuer. To my surprise, Chase also denied my claim, explaining that XXXX, the card network, had conducted an investigation and concluded that I had indeed authorized these transactions. This decision was perplexing, given the numerous unauthorized charges involved. 

The situation has now become extremely frustrating and financially burdensome, as I am left with over XXXX transactions, each ranging from {$1.00} to {$99.00}, that I neither authorized nor received any benefits from. What compounds my concern is the apparent circular referral process, with XXXX pointing to the bank, the bank to XXXX, and XXXX directing me back to the bank. I find myself stuck in a disheartening loop of unresolved issues. 

I am reaching out to you in the hope of finding a resolution to this matter. These unauthorized charges have not only affected my financial well-being but have also eroded my trust in the security of online transactions. 

I kindly request your assistance in investigating and rectifying these unauthorized charges. Any guidance or support you can provide to help resolve this situation would be greatly appreciated. 

Please let me know the steps we can take to address this issue promptly. I can provide any necessary documentation or information required to assist with the investigation.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION (NY)

I made a payment thru a debit from my checking acct on XX/XX/XXXX, it was acknowledged by Oportun on XX/XX/XXXX and debited by XX/XX/XXXX. I called on XXXX to check on if it was applied to my account ( it was about the normal time it takes -- although to push on your an " instant '' payment, which they want you to pay for. I find it ironic that anyone would pay to make a payment ). I was told by the XXXX XXXX who could barely speak XXXX that it would credit on XXXX. I did not check the account again until XX/XX/XXXX and it still did not credit. I called on XX/XX/XXXX and was told it was an error on their part and they would " expedite it '' and it would happen in a a few hours or at worst overnight. I checked again a few hours later and was told that the " expedite '' information was false and now it would not credit until XX/XX/XXXX ( which is unacceptable ). They also asked me five times to update my monthly income, which I refused. I spoke to a Supv ( no help and was told " you'll just have to wait '' ) and ultimately a " Manager '', who said the same thing, but he would " file a report '' and I had to wait until XX/XX/XXXX or when I hear from them. All unacceptable answers. I don't know what happened to Oportun-XXXX, maybe they were sold, but their rules and XXXX has vanished and it is the XXXX XXXX. The customer never gets service and is NEVER right. I want this closed and reported to the credit agencies as closed because of their failure to provide service. I did nothing wrong. I feel like Oportun credit cards are a scam. I will also reverse/dispute the charge to my checking account ( now they can wait ).
Consumer complaint received 2024-10-08
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. (OH)

I applied for credit and was denied primarily because of my XXXX loans being reported on my Consumer Reports. I did not give " XXXX '' written permission to Furnish my personal or private information to any Consumer Crediting Agency. According to 20 USC 1232g and 34 CFR part 99 my information should not ever have been released without my specific written consent. 15 USC 1681b. Therefore, because of this flagrant unlaw act I have been denied substantial financial benefits.
Consumer complaint received 2023-10-30
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 writing to formally inform you of my intent to take legal action against Experian, XXXX, and XXXX due to the reporting of fraudulent accounts in my credit report, which has resulted in severe financial and reputational harm. I have previously submitted an identity theft affidavit to your organization as evidence of the fraudulent nature of these accounts. Despite my efforts to rectify this situation, the damaging information continues to negatively impact my life. 
The law is clear that credit bureaus are required to report all accounts accurately. The alleged accounts in question were not opened by me ; my identity was stolen, which is the sole reason these fraudulent accounts exist in my credit report. To resolve this matter and avoid legal action, I demand the following information and actions : 1. Provide a complete log of all dates and times you attempted to contact me regarding these alleged accounts. If these accounts were established by another party, you must specify your relationship with them, whether you are reporting this information as an " assignment '' or if you have purchased the alleged accounts outright. Additionally, provide all account details for at least a year leading up to this action, including any collection fees or interest incurred. If you are a third-party collector, please furnish proof of your license or bond to collect in my state, allowing me to confirm your identity.

2. Present evidence of my wet signature on any relevant documents associated with these
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Spring Oaks Capital, LLC (LA)

I am writing in response to your recent email offer and would like to request validation of the debt referenced in your recent correspondence, which I received on XXXX XXXX XXXX via email. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification of the debt you are attempting to collect. Also attached is the email that was sent to my wife email on last night.
Consumer complaint received 2024-09-16
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-08
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. (DC)

In accordance of 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. 

Acct Name : XXXX XXXX Acct Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Has violated my rights 15 U.S.C 1681 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 consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"