davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have discovered that my credit reports from TransUnion, XXXX, and XXXX contain inaccurate personal information that I did not provide or authorize. This incorrect information does not accurately reflect my identity and has caused confusion and potential harm to my credit profile. Below is a list of the inaccurate personal information currently listed on my credit reports : Inaccurate Personal Information : XXXX. Incorrect Addresses : Reported Address : XXXX XXXX XXXX, XXXX, IL XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX These addresses are not associated with my actual place of residence. 
XXXX. Incorrect Phone Numbers : Reported Phone Number : ( XXXX ) XXXX This phone number does not belong to me. 
XXXX. Incorrect Names : XXXX XXXX XXXX. XXXX XXXX XXXX Correct Personal Information : XXXX. Correct Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX. Correct Phone Number : ( XXXX ) XXXX XXXX. Correct Name : XXXX XXXX Actions Taken : XXXX. Disputed Personal Information : I have formally disputed the incorrect personal information with TransUnion, XXXX, and XXXX. 
XXXX. Provided Correct Information : Along with my dispute, I provided proof of my correct address, phone number, and identity in order to ensure my credit report accurately reflects my personal details. 

Applicable Law : Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal disputes, the credit bureaus have failed to correct the inaccurate personal information. This failure violates my rights under the FCRA and continues to pose risks to my creditworthiness. 

Summary of the Issue : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that TransUnion, XXXX, and XXXX correct the inaccurate personal information on my credit reports. These inaccuracies have caused harm to my credit profile, and I seek timely resolution to protect my credit history and personal identity.
Consumer complaint received 2024-10-07
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My Rights Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, including accounts that were XXXX in bankruptcy. Additionally, the Bankruptcy Code states that debts XXXX in bankruptcy should not be reported as derogatory. Given that all the accounts in question were XXXX, I believe these derogatory marks violate my rights. I request that these accounts be reviewed and that accurate reporting be ensured. 

General Comments I understand that my credit score is affected by these derogatory marks. I have made efforts to maintain good financial habits, including ensuring all accounts are paid on time and maintaining a {$0.00} balance on closed accounts. Given that these accounts were XXXX in my bankruptcy, I would appreciate your prompt attention to these matters and any guidance on how to resolve these issues.
Consumer complaint received 2024-10-07
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. (NY)

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

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, 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. (MD)

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the inquiries belonged to me the first time you reported the account on my credit report. Your failure to properly verify these inquiries has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : XXXX XXXX XXXX Debt Inquiry Date : XX/XX/2023 ( Unverified account )
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (GA)

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX XXXX XXXX '' hereinafter referred to as " XXXX  XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX   XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " XXXX XXXX, XXXX, XXXX '' hereinafter referred to as " XXXX  XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the LLC, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of XXXX  XXXX, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX XXXX has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-10-07
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)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX XXXX XXXX bal. {$520.00} XXXX bal. {$330.00} XXXX XXXX XXXX  bal. {$23000.00} XXXX bal. {$31.00} XXXX XXXX bal. {$1000.00} XXXX XXXX bal. {$470.00}
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYSTONE EQUIPMENT FINANCE CORP. (VA)

I doubled my payments to pay off my truck faster which is by now done. Theyre now playing with numbers and saying it isnt done. Based on payments made I have now paid more than it would have cost me had I just paid regular payments. Theyre playing with numbers. Had I paid {$540.00} that was the note for 34 months it would have just been {$18000.00} but I have now paid more than {$20000.00} and counting
Consumer complaint received 2024-10-07
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)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX  number XXXX payment late XX/XX/year>. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-09-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

I have paid on a past due balance with Conn 's Home Plus. I called the company to negotiate a settlement of {$800.00} & they were going to report this to the credit bureau. This was paid same day of settlement & now they are reporting this to my credit as a remaining balance of {$1600.00} this is not accurate. I have the letter from Conn 's where this agreement was signed from them. I have made 2 attempts now to have this updated and removed and they keep saying that they will do this, but it still shows.
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. (IA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 2024-10-07
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. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

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

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-07
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. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Despite the passage of the mandatory 30-day timeframe, I have yet to receive any valid verification of the fraud accounts in question. This raises a multitude of questions in my mind, the foremost being : WHY ON EARTH DOES YOUR BUREAU PERSIST IN REPORTING THESE ACCOUNTS WHEN IT HAS FAILED TO PROVIDE THE REQUIRED VERIFICATION WITHIN THE SPECIFIED TIMEFRAME? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The lack of responsiveness from your bureau is not only astonishing but also a blatant violation of the FCRA. It leaves me questioning the efficacy of your investigative processes and the commitment to upholding the rights of consumers. If your bureau can not provide valid verification within the mandated timeframe, it is only logical that you refrain from reporting these dubious accounts and causing further harm to my creditworthiness. 
XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX XXXX-PLEASE DELETE!!! 
It is with a dubious sense of irony that I question the credibility of a bureau that continues to report information it can not substantiate within the stipulated timeframe. I implore you to take a moment of introspection and consider the implications of your actions on the lives of consumers. The continued reporting of these fraud accounts without valid verification is not only an affront to my financial well-being but also a disservice to the principles of accuracy and fairness outlined in the FCRA.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As of XX/XX/2023 I have noticed fraudulent accounts and inquiries on my credit and consumer reports and other consumer reporting agencies. These fraudulent accounts must be removed permanently and indefinitely in my ftc reports its listed incorrect names addresses and employment this is grounds for removal!!! 

FAIR CARES ACT DISPUTE Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the passage of the mandatory 30-day timeframe, I have yet to receive any valid verification of the fraud accounts in question. This raises a multitude of questions in my mind, the foremost being : WHY ON EARTH DOES YOUR BUREAU PERSIST IN REPORTING THESE ACCOUNTS WHEN IT HAS FAILED TO PROVIDE THE REQUIRED VERIFICATION WITHIN THE SPECIFIED TIMEFRAME? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The lack of responsiveness from your bureau is not only astonishing but also a blatant violation of the FCRA. It leaves me questioning the efficacy of your investigative processes and the commitment to upholding the rights of consumers. If your bureau can not provide valid verification within the mandated timeframe, it is only logical that you refrain from reporting these dubious accounts and causing further harm to my creditworthiness. 
XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX XXXX-PLEASE DELETE!!! 
It is with a dubious sense of irony that I question the credibility of a bureau that continues to report information it can not substantiate within the stipulated timeframe. I implore you to take a moment of introspection and consider the implications of your actions on the lives of consumers. The continued reporting of these fraud accounts without valid verification is not only an affront to my financial well-being but also a disservice to the principles of accuracy and fairness outlined in the FCRA.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.