davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TN)

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

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 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 2024-09-19
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. (AL)

" 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 2024-09-14
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. (NY)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX United States I hope this letter finds you well. I am writing to formally dispute the accuracy and completeness of certain charge-off accounts appearing on my credit report, as allowed under 15 U.S.C. 1681e ( j ) of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to highlight the following federal violations that I believe TransUnion is responsible for in relation to my case : 1. Failure to Mark Accounts as Disputed : Under 15 U.S.C. 1681i ( c ), TransUnion is required to mark accounts as disputed once Ive filed a formal dispute. These accounts have not been updated, which violates this section of the FCRA.

2. Failure to Conduct a Reasonable Investigation : According to 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion must conduct a reasonable investigation of any disputed information. So far, Ive seen no evidence that this has been done.

3. Failure to Provide Accurate Information : Under 15 U.S.C. 1681e ( b ), credit bureaus must ensure that the information they report is as accurate as possible. By keeping inaccurate or unverifiable accounts on my report, TransUnion is not complying with this requirement.

4. Failure to Remove Unverified Information : Per 15 U.S.C. 1681i ( a ) ( 5 ), if TransUnion can not verify the disputed information within 30 days, it must be removed. This hasnt been done in my case, and its a clear violation of the FCRA.

5. Failure to Reinvestigate Disputed Information : As outlined in 15 U.S.C. 1681s-2 ( b ), once a dispute is filed, TransUnion must notify the creditor ( the furnisher of the information ) so they can reinvestigate. If that process hasnt taken place, this is another serious violation. 

Accounts to be Verified or Removed : XXXX XXXX Account number : XX/XX/XXXXAccount number : XXXX XXXX XX/XX/XXXXXXXX Account number : XXXX XXXX XXXX Account number : XXXXXX/XX/XXXXXXXX Account number : XXXX Additionally, Im requesting the removal of non-account-holding inquiries over 30 days old : XX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXX Finally, please add a promotional suppression to my credit file to prevent my information from being used for promotional purposes by creditors and insurers. 

I expect that these issues will be resolved promptly and that my rights under the FCRA will be respected. Please respond within the legally mandated timeframe. 

Thank you for your attention to this matter. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (WA)

A fraudster who I believe is posing as MRS BPO , LLC, a debt collector company, has texted me XXXX different times from dates XX/XX/year> to XX/XX/year> to collect debt that I owed through XXXX XXXX. They called me on XX/XX/year> to attempt to collect a total debt of {$200.00}. I paid this debt in full over the phone and they verbally confirmed that my debt was resolved. 

On XX/XX/year>, a debt collector company called XXXX. XXXX, XXXX contacted me requesting a debt in a different amount ( I dont remember the amount but it was a little less that what I paid with the other company ). In confusion, I let them know that I had already paid off my debt with XXXX XXXX and questioned why I still owed. They were not aware of any other debt payments made before this call. 

So far I found out that the fraudster posing as MRS BPO , LLC called me from a number that does not match the real company phone number. The fraudster called me from ( XXXX ) XXXX. The official phone number for XXXX XXXX XXXX, XXXX is ( XXXX ) XXXX. The receipt that the fraudster emailed me does not show any amount that I paid but shows the account is resolved. XXXX XXXX told me that I had to accounts with XXXX XXXX and I have no idea why that is.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southern Auto Finance Co (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Southern Auto Financ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ Southern Auto Financ ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ Southern Auto Financ ] XXXX of XXXX : [ XXXX. XXXX, XXXX  ] XXXX XXXX XXXX XXXX [ XXXX XXXX Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
2. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report.

3. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
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. (GA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Consumer complaint received 2024-09-26
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. (IL)

I am seeking your assistance with this misleading account listed on my credit report. I am bringing this to your attention because it has harmed my reputation, and I need your help. Due to your mishandling of my credit report, my reputation has suffered significantly, and I feel desperate. Please ensure that this incorrect information is removed from my credit report.
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (TX)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiries not tied-up to open accounts : 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 2024-09-05
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. (TN)

I am writing to formally dispute inaccurate late payment reports on my credit file related to the following accounts : 1. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 
2. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 

Under federal law, creditors and credit reporting agencies are obligated to ensure the accuracy of the information they report. The inaccurate reporting of late payments violates my rights as a consumer under the following statutes : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i Reinvestigation of disputed information : Under this section, when a consumer disputes an account, credit reporting agencies must investigate the dispute within 30 days and remove or correct any inaccurate information if it can not be verified.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information : This section requires that companies furnishing information to credit reporting agencies provide accurate information. If a consumer disputes the information, the company must investigate and report accurate results. Any false or unverifiable information must be removed.

15 U.S. Code 1681e ( b ) Accuracy of the credit report : Credit reporting agencies must follow reasonable procedures to ensure that credit reports are accurate. Failure to do so is a violation of the law.

2. Fair Credit Billing Act ( FCBA ) : 15 U.S. Code 1666 Billing error resolution : This law provides protections in the case of billing errors, including incorrect late payment assessments. It gives consumers the right to dispute these errors in writing within 60 days, and creditors must investigate.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1601 et seq. Fair lending and accurate disclosures : TILA requires lenders to provide clear and accurate disclosures regarding terms and conditions of credit accounts. It mandates fair treatment of consumers and helps to protect against unfair or inaccurate billing practices.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a h XXXX XXXX XXXX in account number ending in XXXX opened on XX/XX/XXXX. A credit line with XXXX XXXX Account number XXXX opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. There has been a lack of clear and consistent communication throughout this process. I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to remove the fraudulent items from my account : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-07-30
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)

In complaint XXXX you responded stating that you were unable to locate a credit report for me. I am having a hard time believing this as I have a credit report that is accessible. I do not feel that an investigation was done. I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201. Please remit payment for violations within 10 business days and remove the following items that were reinserted without notice and validation : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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)

Dear XXXX XXXX, I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting late payments on my credit report ( Account # XXXX ) in XX/XX/XXXX and XX/XX/XXXX. There are XXXX of the same credit cards reporting on my credit that are both inaccurate. Both reporting late payments that dont align with either account. See screenshots of the credit bureau blatant error. 

Given XXXX XXXX 's track record of negligence in handling similar cases, I demand the immediate removal of the inaccurate late payment information from my credit report. I also request a valid explanation for the errors. 

If corrective action is not taken within 30 days, I will explore legal options, including seeking damages in small claims court. I expect prompt investigation and enforcement action by the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter.