davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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. (NY)

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted.

Attached are the following supporting documents : My government-issued ID The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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)

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 the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear to whom may this concern : I am not liable for this debt of {$320.00}. I do not have a contract with XXXX XXXX XXXX. 

XXXX XXXX XXXX has concluded that I do not owe this debt and this debt is not mine. 

Under 15 USC 1692c- XXXX XXXX XXXX XXXX XXXX the consumer can refuse to pay a debt collection. 

Please DELETE this from my Transunion credit reporting profile. Your company is furnishing inaccurate information to consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Your company 's inaccuracy has damaged my livelihood. DELETE this inaccurate information from my consumer reporting profile in the next 30 days.
Consumer complaint received 2024-09-18
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. (TN)

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 2024-09-19
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. (TX)

Subject : Request for Assistance in Removing Inaccurate Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance regarding several inaccurate inquiries on my credit report that I have disputed with TransUnion. These inquiries are associated with ciber attacks from XXXX and XXXX, which I believe were the result of identity theft or misunderstanding. Despite my efforts to resolve this issue directly with TransUnion, the inaccuracies remain on my report, negatively affecting my credit profile. By law with the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681s-2 ( a ) I kindly request your help in erasing these fraudulent inquiries to ensure my credit report reflects accurate and fair information. Thank you for your attention to this matter and for your support in protecting consumers like myself. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX, has violated my rights In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with 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 in 60 days 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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XX/XX/year> my Bank of America XXXX credit card information was used to purchase 3 theme park tickets to XXXX XXXX XXXX for {$530.00}. 
-When I noticed the transaction on my statement sometime in the first couple weeks of XXXX, I immediately called the bank to dispute the charge and file a claim. They credited my account the {$530.00} and I waited to hear the resolution. 
-I also reached out to XXXX myself to see what they could gather on their end. They could see the transaction, but believed that it was not me that made the purchase. I have a history with XXXX and my own account with them. This transaction was not linked to my XXXX account. However, the purchaser did use my name and my credit card details to make the purchase. 
-On XX/XX/year> Bank of AmeriXXXXa responded with the information that they did not approve my claim because " The merchant provided documentation confirming you received the merchandise or service. '' -Of course I called and filed another dispute claim with them. Again, I called XXXX and was told they have seen this kind of activity before. The really " smart '' ones purchase tickets outside the gate and use them right away. This was our case. Unfortunately, when the BOA fraud team contacts XXXX, they only see that goods were rendered. 
XXXX sent me the requested documents so I could see what they used to make their decision. The copies are poor quality, but I can make out my information as the purchaser. I can also see the names that are associated with each of XXXX tickets. The first names I do not recognize and the last name used was mine. 
XXXX XXXX BOA once XXXX did not approve my claim and gave the same reason. 
XXXX filed right away for the third time and once again was given the same response on XX/XX/year>. 
- BOA once again has opened the dispute for the XXXX time. They said I should call and see if XXXX can provide me any proof to support my claim, I have done so and am waiting to hear back. This is what BOA should be looking deep into given the information I have already passed on to them. 
-I am filing a police report with XXXX XXXX Florida and filing with CFPB. 

**Note that i have NOT responded to the Dispute Response with anything other than filing a new dispute. I have not agreed to take any responsibility for the charge. 
**Also Note that the document images i am sending are what I was sent by BOA XXXX support their decision about my claim. It is practically unreadable. Also, I only have the copies of XXXX letters disapproving my claim. The last one has not yet arrived.
Consumer complaint received 2024-09-04
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)

I am writing to assert my rights under several provisions of U.S. law regarding the handling of my personal information. According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to manage their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I am entitled to ensure that my private information is not disclosed without my explicit consent.

Furthermore, Section 6801 of the Fair Credit Reporting Act ( 15 U.S.C. 6801 ) mandates that financial institutions must protect the privacy and confidentiality of their customers ' nonpublic personal information. XXXX XXXX XXXX, as a financial institution, is bound by this obligation. 

Under Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. Neither XXXX XXXX XXXX, XXXX, nor Experian has my written consent to disclose my information. Thus, I revoke any and all forms of consent previously given, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, Section 6802 ( b ) ( c ) of the Fair Credit Reporting Act ( 15 U.S.C. 6802 ) prohibits a financial institution from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to opt out. XXXX XXXX XXXX  has not provided me with this necessary information. 

Moreover, Section 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) prohibits the inclusion of adverse items of information that predate the report by more than seven years. The adverse account in question is being reported in violation of this provision.

Section 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires that a person furnishing information to a consumer reporting agency must ensure its accuracy. Section 1681e mandates that consumer reporting agencies maintain procedures to avoid violations and restrict the furnishing of reports to permissible purposes. XXXX and Experian are not adhering to these requirements. 

Furthermore, 12 CFR 1016.7 allows consumers to exercise the right to opt out at any time. I am formally opting out of your reporting services. 

Please take immediate and indefinite action to address these concerns and ensure compliance with all applicable regulations.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

**PLEASE READ TO THE END** This is not an online acct issue, this is a consumer practices issue. Experian has made it impossible to speak to a human. 

I tried to create an Experian online acct via XXXX XXXX XXXX. However, the process froze during the creation of the acct, presumably because their network was overloaded due to everyone trying to freeze their credit at the same time because of the SSN breach.

I can not create an acct now because its says I already have one. The password I created doesn't work. Password reset doesn't work because I was never able to add my phone because acct creation crashed.

I called their support # but I am stuck in a menu loop. I have spent hours ( this is not hyperbole ) selecting every possible menu option. I only get pre-recorded messages explaining how to reset my account via their website, which I can not do.

My financial security relies on 3 private credit companies. Experian, being one of those, has made it impossible for me to protect myself. This is absolutely unacceptable and must be a violation of FTC or other laws and policies. Given the power they hold millions of people 's finances, this beyond unacceptable.
Consumer complaint received 2024-08-26
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. (TX)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-09-04
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. (NJ)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-26
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. (NY)

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  XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-25
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. (TX)

I have identified significant inaccuracies on my credit report, which TransUnion, XXXX, and XXXX continue to verify as correct, despite clear evidence to the contrary. The continued reporting of this incorrect information is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 and Section 611, which require accurate reporting and thorough investigations of disputes. 

I have included proof that demonstrates the inaccuracies, yet the credit bureaus have failed to make the necessary corrections. This negligence in correcting the false information after being provided with clear evidence is unacceptable. I demand that this incorrect information be removed from my credit report immediately to prevent further damage to my credit standing. 

Please take immediate action to rectify this matter and ensure full compliance with federal regulations.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX and XXXX