davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 account listed without my expressed written consent.
Consumer complaint received 2024-09-15
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. (AL)

I notice my Consumer Report that there's several of Hard Inquiries that I don't know and did not give premission for them to pull my credit. According too 15 US CODE 1681 they're to report records and promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.
Consumer complaint received 2024-09-15
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)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-09-10
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. (FL)

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete.

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.
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. (IL)

My account with the PRESTIGE FINANCIAL SVC and i was never late! I have had exceptional payment history with this company 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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.

This company 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.
Consumer complaint received 2024-09-15
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. (RI)

I reviewed my Transunion consumer report on XX/XX/2024 and I noticed that I have two hard inquiries which are unauthorized and I do NOT recognize them. They are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a complaint with the FTC and I want Transunion to delete these two hard inquiries from my profile immediately.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I contacted Equifax to advise that the address listed as my current address was incorrect and an address listed as my former address is my current address. This information can be easily verified against the other credit agencies information. Equifax advised that address updates had to be treated as a dispute and the update process would take 30 days. I explained that because of the erroneous Equifax information I was denied credit, and I'd like the update to be made immediately. I was told company policy would not allow the agent or supervisor that I spoke with to make the change. 

I find that unacceptable. Their process is antiquated, and it compromises my ability to get credit in an undue manner. The other credit agencies following identity validation allow a person to make updates to their address, telephone number, employment, and income online as there are numerous online resources to confirm such information. Equifax, however, is stuck in 1980. They require a person to mail or upload sensitive documents like a driver 's license and home utility bill and then tell you the update will take 30 days. Their antiquated verification process increases the possibility for someone to commit identity theft and delays my ability to get new credit. This must stop. People use credit agency information for verification purposes and when that agency has obsolete information and antiquated processes to allow a consumer to update their information the consumer is harmed. 

Please do not allow a multi-billion dollar entity endowed with great power concerning consumers to continue to employ obsolete technology. 

Thank you
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have identified several unfamiliar items on my credit report that I did not authorize. It appears my identity may have been stolen. I previously raised this issue, and I am now requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial management. Addressing this problem has been challenging. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous entries are significantly affecting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I hope we can resolve this matter quickly.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date : XXXX XXXX TransUnion Credit Bureau XXXX XXXX XXXX XXXX XXXX PA XXXX Account NumberXXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report. I recently obtained a copy of my report and noticed that a medical debt from XXXX XXXXXXXX XXXX XXXX has been listed on my file. I believe this debt is either inaccurate or has not been properly validated, as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 USC 1681i ], I am exercising my right to dispute this account and request an investigation into the accuracy of the information. According to the FCRA, TransUnion is required to conduct a reasonable investigation and verify the accuracy of the disputed information. 

Additionally, under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA )XXXX XXXX XXXXXXXX XXXX XXXX is required to provide verification of the debt, including the following : 1. The name and address of the original creditor.

2. A detailed breakdown of the amount of the debt, including any fees or interest.

3. A copy of any agreement signed by me showing I agreed to pay this debt. 
4. Documentation showing that XXXX XXXX XXXX  XXXX is legally entitled to collect this debt. 

Furthermore, under UCC 9-609 and 9-610, a creditor must possess legal standing to collect or enforce this debt. I am requesting proof that XXXX XXXX XXXX  XXXX is the legal owner of this debt and has the authority to report it to credit bureaus. 

Please also provide validation that this debt has not exceeded the statute of limitations for collection as per UCC 2-725, which stipulates that actions must be commenced within four years after the cause of action accrues. 

I request that this account be marked as in dispute while the investigation is being conducted. If the debt can not be validated as accurate, I expect it to be removed from my credit report, per my rights under the Fair Credit Reporting Act ( 15 USC 1681c ). 

Please notify me of the results of your investigation in writing and send a new copy of my credit report if any changes are made. 

Thank you for your attention to this matter. I look forward to resolving this issue in a timely manner. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am asking for your support in resolving the issue of this false account on my credit report, which has negatively affected my reputation. Your mishandling has caused me significant harm, and I insist that this wrong information be removed immediately.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have noticed several hard inquiries on my credit report that I did not authorize. These inquiries are not mine, and I request that they be removed immediately. Please update my report accordingly. Thank you for your prompt attention to this matter. 

See the attached files
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

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 XXXX  according to XXXX-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 XXXX of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX be removed from my credit report. Two issues with this account 1 ) This account belonged to my late XXXX XXXX XXXX XXXX 2 ) this account was included in bankruptcy and the bankruptcy was given a hardship discharged XX/XX/XXXX due to his passing away. The account needs to be removed.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of trafficking. 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 XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; 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  Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Medical XXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3700.00}
Consumer complaint received 2024-10-13
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: Eastern Revenue, Inc. (TX)

On XX/XX/year>, my bank pulled my credit report, which showed an educational loan in collections with a reported balance of {$12000.00}. The bank also informed me that this debt was only appearing on 2 of the 3 credit bureaus. I disputed the debt with XXXX on XX/XX/XXXX, and on XX/XX/XXXX, they responded that the loan was valid. 
On XX/XX/year>, I contacted my school, XXXX XXXX XXXX, to inquire about the loan. The representative informed me that she couldnt see any record of the loan going to collections but said she would escalate the issue. On XX/XX/XXXX, I received an email from the school stating that my XXXX XXXX was with XXXX XXXX. 
Later that week, I called XXXX, they requested I update my information, and was told they could not provide any validation of the debt they can only direct me to log into their website using this updated information I provided them, where I found a banner indicating that the loan had been sent to Eastern Revenue for collections. I called XXXX again that week, and they confirmed that the loan must go through Eastern Revenue, and I needed to work with them to resolve it.

When I contacted Eastern Revenue, they told me they had no account under my name and refused to provide any written confirmation stating that I have no account with them. Despite this, the loan is still appearing on my credit report. 
I also attempted to dispute the debt with XXXX, but when I went to check my account, I couldnt find the loan reported there at all, so I was unable to initiate a dispute with them. 
None of the parties involvedXXXX XXXX, XXXX, or Eastern Revenuehave provided any proof or validation that this debt is valid or that I am responsible for it. Yet, the loan remains on my credit report, which is negatively affecting my credit score.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am now requesting proof of the previous investigation. Im asking that you provide me with your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, If you can not provide me with this information in ( 15 ) days update the account to Paid/Never Late to the corresponding months and send me a copy of the updated credit report.

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.

Under US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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