davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX XXXX XXXX XXXXXXXX sent me a letter telling me they have shut down my savings account and checking account due to " suspected fraud '' from me. Which meant, I could no longer use my debit card. This incident I explained to them was not fraud committed from me and tried to resolve this issue many times, called and went in person to inform myself. After XXXX not helping, I gave up and accepted I would not be able to do anything but wait the " up to XXXX years '' that the letter had stated. Recently I called XXXX XXXX XXXXXXXX to inform myself on how much longer and they said until " XXXX '' with is 3 years more than was stated in their letter. This is a terrible experience considering I have great credit and not done any fraudulent activities with my credit card with XXXX XXXX XXXXXXXX and which is the only thing I have left. It is genuinely saddening, all I want to do is to have my life in control again and it has felt like it wont happen because they refuse to help. This is not only affecting me, but my families living situation. 

15 U.S.C 1681 section 602 A : This law states I have the right to privacy, XXXX XXXX  XXXX violated this 15 U.S.C 1681 section 602 A Section 2 : This law states that a consumer reporting agency can not furnish an account without my written instructions, XXXX XXXX XXXXXXXX has also violated this right of mine
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

FRAUDULENT ACCOUNT OPEN VIA CREDIT REPORT INACCURATE INFORMATION REQUESTED LVNV FUNDING LLC {$780.00} XX/XX/year> REQUESTED VALIDATION SEE CODE 15 U.SC 1692G NEVER RECEIVED BUT SAID INFORMATION WAS ACCURATE NEVER RECEIVED VERIFIED DOCUMENTATION STATING TO BE VERIFIED BUT WAS ADDED AS VERIFIED ON CONSUMER CREDIT REPORT AGENCIES VIA XXXX XXXX XXXX, XXXX THESE RESULTS WEREN'T VERIFIED ACCOUNTS ARE NOT MINE AND FRAULULENT
Consumer complaint received 2024-07-12
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To remove hard inquiries from my credit report XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXX/XX/year>, AND XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX & XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-20
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 provided all necessary information and expect the listed accounts to be deleted and blocked within four business days of your receipt of this notice to comply with my rights under the FCRA. Failure to do so constitutes a violation of the FCRA, and I will take legal action to protect my credit rating and myself if my dispute is not investigated and the information is deleted promptly. Each violation of the FCRA can result in damages up to {$1000.00} as per 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), ensuring consumers have recourse for willful violations of their rights.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I saw unauthorized inquiries on my credit report and I don't understand why. I reviewed my credit report like I normally do, but this time there were unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the unauthorized inquiries remained. Due to this problem, I request that the documents I sent be thoroughly reviewed so I can avoid this issue in the future.
Consumer complaint received 2024-06-20
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

XXXX, XXXX. Refused to follow FCRA requirements which copy is attached. I have copied disputes found on my CFBP account records XXXX. I have disputed and was granted. Decision of Deleting accounts from off my credit report.continue remaining. Have provided police reports identification. These accounts still remain .nor change accurate found anywhere on my credit report my scores has decreased. While making payments on my accounts on time payments. I have fraud alerts place on my account. Question. Why is fraud alert in place.you are allowing companies to place wrong information showing on my credit report.. You requested dispute I have dispute accounts and received letter granting to remove these accounts. Instead finding these accounts were. Remove. And replace. I refuse to dispute any information. Now. Because how it has resolved. On my credit report shows company name XXXX XXXX this company is reporting to credit bureau incorrect. I have attached letter dated XX/XX/year>. Records showing no late payments. Anywhere, XXXX webbanks l disputed XXXX. Receive letters to remove these accounts and won and the letter attached stated delegation wasn't aware after you have disputed. .shortly these companies will have these accounts replaced.. I'm reporting these companies to FRCA so adit randomly be unplaced. Attack records belonw this information has already been disputed
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I contacted Capital One multiple times regarding the information on the credit report, validating the payment received on XX/XX/XXXX as late, and the payment on XX/XX/XXXX as late, and the payment from XXXX XXXX. I have sent letters to the Capital one, requesting details to prove when they did receive a payment and verifying that it was late, They have not provided the information or verified the account or proved satisfactorily that the payment was late I believe that the reporting of the late payments were not credited I kindly request that your office investigate this manner, Correct or remove the inaccurate late payments from my credit report, and provide written correction. That under the 15 USC 1666b this is in violation of this and would like this resolved. 

I have disputed the accuracy with Capital One, I have disputed with the bureaus, I have requested multiple times that this be corrected, and they have not
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-20
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I have XXXX points on my XXXX XXXX Mileage Plus credit card. I attempted to use these points by going onto the company web page. I was unable to go through the various steps to redeem the points with a purchase. I contacted the credit card company and a representative in their computer department attempted to help me purchase an item however he was also unsuccessful in being able to download this item. I asked the representative if I can redeem my points by speaking to a representative and he stated that this is not possible as the redemption can only be made via the web. My points expire this month. The quandry is that I will lose these points because the credit card company can not help me and as I can not speak to a human being for the redemption.I will lose these points this month. I am enclosing several documents.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently reviewed my report and noticed XXXX XXXX, XXXX to XXXX XXXX, and multiple inquires that I've never heard of nor had business with! The inquires are included in the Identity Theft Report
Consumer complaint received 2024-07-03
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. (UT)

FTC Report Number : XXXX I am writing to dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 U.S.C. 1681s-2, 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681i ( a ) ( 5 ) .Disputed Item ( s ) :15 U.S.C 1681s-2, 15 U.S.C 1681 ( e ) ( b ). 15 U.S.C 1681i ( 5 ). 15 U.S.C 1681c-2 Following accounts : DEPT OF EDXXXX  ACCOUNT : XXXX : DEPT OF EDXXXX : ACCOUNT NUMBER : XXXX : DEPT OF EDXXXX : XXXX Explanation of Dispute : According to 15 U.S.C. 1681s-2, furnishers of information are required to report accurate information to consumer reporting agencies. In this case, the information provided by TransUnion is inaccurate because I've these accounts since XX/XX/year> and still it's reporting the wrong information that doesn't belong on my account nor will TransUnion Verify the correct address to these accounts Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they include in consumer reports. It is evident that these procedures were not followed in my case. Request for Action : Under 15 U.S.C. 1681i ( a ) ( 5 ), I request that TransUnion promptly reinvestigate and correct the disputed information. If your reinvestigation does not resolve the dispute to my satisfaction I will seek legal actions under 15 U.S. Code 1681o - Civil liability for negligent noncompliance and 15 U.S. Code 1681n - Civil liability for willful noncompliance
Consumer complaint received 2024-06-20
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. (MI)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-06-20
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. (MD)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-22
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. (GA)

Upon reviewing my credit report from your bureau, I found several inaccurate and misleading items that are damaging my creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Inaccurate or unverifiable information must be promptly corrected or deleted from my credit report.
Consumer complaint received 2024-06-21
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)

NOTICE - XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( XXXX ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ XXXX parties. Why does TRANSUNION allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. XXXX of the GLBA can be substantiated, I DEMAND that TRANSUNION PERMANENTLY DELETE the following non-compliant ATTACHED account ( XXXX ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2024-07-03
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. (IL)

I am utilizing my report to dispute and investigate these mistakenly reported accounts on my credit file. According to the Fair Credit Report Act, I am eligible to receive {$1000.00} for each incorrect report. I understand that FCRA 605B requires us to report any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with XXXX 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 in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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. 


XXXX 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 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 2019-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

This account # XXXX is a account that isnt mine. I have know acknowledgement of this account and I have NOT OPENED ANY ACCOUNT IN XX/XX/2019 so you are reporting a inaccurate account on the wrong credit file and I have sent mail to this company to get Method of validation of this account and no response I have filed a police report and also a ftc report in regrade to this account and none of the information listed across al three boreds is accurate and list inconsistent and this needs to be removed off my credit file NOW