davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (PA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think legally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I DO NOT CONSENT NOR BENEFIT TO THESE ACCOUNTS 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
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am currently reviewing my Equifax Credit Report and there are creditors and a collection reporting on my credit report that are not mine. 
I reached out to each company reporting and they we're all able to confirm with me that I am not even in their systems. 
I believe all this has been caused by Equifax 's breach. I believe these accounts are someone else 's possibly. 
Below is a list of the companies that I would like to have permanently deleted from my Equifax Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After several calls and sending dispute letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any conclusive response. 
I am writing to request the correction and removal of incorrect information on my credit report related to account number [ Account Number XXXX ], [ Account Number XXXX ], and [ Account Number XXXX ]. Below, I detail the discrepancies found in the credit reports issued by the XXXX main credit bureaus : XXXX Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) 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.

Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is XXXX XXXX  accurate on my report. 
TransUnion : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) 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.

Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is XXXX XXXX accurate on my report. 
TransUnion : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) 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. 
Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is XXXX XXXX accurate on my report TransUnion : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) These dates do not match and are inaccurate. This incorrect information is negatively affecting my credit score and needs to be corrected immediately and these accounts # XXXX, # XXXX, and # XXXX need to be removed from my credit report. 
I request that the CFPB intervene to resolve this issue.
Consumer complaint received 2024-07-31
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. (GA)

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) am filing this report to urgently address and demand the removal of several inaccuracies on my credit report. These inaccuracies are unjustly affecting my creditworthiness and must be corrected immediately. The accounts in question are : Inaccurate Accounts : XXXX XXXX XXXX XXXX  : Account # XXXX XXXX. XXXX XXXX XXXXXXXX : Account # XXXX XXXX. XXXX XXXX XXXX : Account # XXXX XXXX. XXXX XXXX XXXX  : Account # XXXX XXXX. XXXX XXXX XXXX XXXX : Account # XXXX Applicable Fair Credit Reporting Act ( FCRA ) Laws : 1. Section 605 - Requirements Relating to Information Contained in Consumer Reports ( 15 U.S. Code 1681c ) Obsolete Information : The FCRA mandates that consumer reporting agencies exclude outdated negative information, ensuring that only accurate and current data is reflected.

2. Section 611 - Procedure in Case of Disputed Accuracy ( 15 U.S. Code 1681i ) Reinvestigation of Disputed Information : The FCRA requires credit reporting agencies to investigate any disputed information within 30 days. Inaccurate, incomplete, or unverifiable information must be corrected or deleted promptly.

Notification to Furnishers of Information : The credit reporting agency must notify the furnisher of the disputed information within five business days.

Provision of Results : Upon completion of the investigation, the agency must provide a detailed response, including the results of the investigation and an updated copy of the credit report if changes occur.

3. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S. Code 1681s2 ) Duty to Provide Accurate Information : Furnishers must provide accurate data and correct any erroneous information they discover.

Duty to Investigate Disputes : Furnishers are obligated to investigate disputes received from credit reporting agencies, reviewing all pertinent information and reporting back to the agency.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I mailed a dispute to Experian in regards to incomplete information and inaccuracies on accounts on my consumer report. Experian conducted an " investigation '', but the accounts still contain inaccuracies and incomplete information. I am requesting Experian conduct another investigation on the accounts I am disputing. Please see attachments.
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. (NJ)

My accounts 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/updated.

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.

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!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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 2024-07-31
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)

On XX/XX/year>, I reported fraud to XXXX and my old card was disabled, and a new card was issued. As a result, my credit card balance should have been XXXX, but TransUnion has reported a balance of XXXX on my credit report. I submitted a dispute on this matter, and while the balance was updated to XXXX, I still believe this is inaccurate. Furthermore, on XX/XX/year>, TransUnion reported another balance increase, stating that XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, your XXXX XXXX credit card balance increased by XXXX from XXXX to XXXX. ' However, my balance on my statement released on XX/XX/year>, was XXXX. I am requesting that TransUnion investigate and correct the reported balance on my credit report as soon as possible. I have attached supporting documentation to this letter, including my most recent credit card statement and correspondence with XXXX. Please review this information and take the necessary steps to correct the error on my credit report.
Consumer complaint received 2024-07-31
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. (TX)

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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

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 2023-02-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: MoneyLion Inc. (TX)

My Phone Number was recently hacked and used to obtain my email and my banking account information. Thus in which I had to go to XXXX  XXXX XXXX and freeze all of my accounts in which I found out my name was being used along with my email, phone number, and address in attempt to take out of loans out of multiple different sites and such. One site was Money Lions where I've tried contacting to state that I never opened account and now I received a text message saying they had approved for a loan to be taken out under my name. I found it rather hard to even get into contact with a representative let alone get an email response. It has already been a hassle to correct all the fraudulent activities that had happen within the past few days.
Consumer complaint received 2023-06-23
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. (TX)

1. XXXX  Account Number XXXX I have sent XXXX letters of dispute and I received no reply of proof to legally verify this account, so I do not understand why every time I dispute this account with XXXX, you keep updating as verified when in fact it was not. Transunion and XXXX have both deleted this account because there was no proof and the information reported was inaccurate. Please remove this account. 

XXXX. XXXX XXXX Account XXXX XXXX Not only is this account not mine. I have absolutely no acknowledgement of this account. I have also provided you with my identity theft case number. This account is also being re-aged. Ive disputed this account with the company and a letter was sent to me which I have provided. At the bottom is a signature ( not mine ) but states the customer may cancel without penalty or obligation if returned within 3 business days which it was returned apparently within that time period. Not only should this account NOT be on my credit file due to credit theft but since it was returned in the appropriate time frame, there should not be any obligation PERIOD. This account has also been removed from XXXX and Transunion due to the companys inaccuracies, yet you have failed to do so even after providing proof. Please delete it from my file.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

XXXX unauthorized charges were made on my Wells Fargo account through XXXX. I spotted this immediately and called Wells Fargo to alert them of the fraud. They provided a credit for both, but then months later reversed the credits without explanation, assisting in the fraud. This cost me {$600.00}.
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TriVerity, Inc. (TX)

On XX/XX/year> TriVerity third party debt collectors violated 15 USC code 1692g failure to validated a debt by not providing consumer with Copy of the original signed agreement from the creditors and failure to notify consumers within five day in writing or emails or communication of this debt and not provide a purchase agreement from the original creditors stated they have permission to collect on this debt. TriVerity violation Texas statute of limitations to collect on debt which is four years. Original creditors failed to notify consumers in writing that personal information would be sold to a third party debt collector and TriVerity violation US code 15 6802 personal information disclosure to a third party debt collector. 
Consumer request the following document be submitted in writing within 30 days
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (CA)

I was charged a foreign transaction fee for a purchase I made on XX/XX/2023. I was surprised to see the charge as 90 % of the credit cards I own don't charge a foreign transaction. I called to ask if it can be removed, and the first rep. said he will remove it and put me on hold to do so, and then the line got disconnected ( I the time I thought, this was accidental on their end, but now I suspect it was INTENTIONAL ). Then, I called back and told what happened to the new rep. that picked up, and she said if I have not had a fee waived in 12 months, she will be able to waive it for me. She checked and verified that I did not have any fees waived in the past 12 months, and said she waived it for me. 

One week passes by, and I notice the fee is not credit back to my account, so I call to follow up, and the rep that answered said it was waived and will be posted by XX/XX/2023. XX/XX/2023 came and went, and the fee was still not credited back to my account! So I called today ( XXXX ) to follow up again, and asked to speak to a supervisor this time. A supervisor by the name of " XXXX '' answered and notified me that they do not waive fees, and I have to do it at a 'local branch. '' She also told me that their are " no notes '' indicated the fee was waived by any of the three reps I previously spoke with! All the reps lied to me and the first one even hung up the phone on me! 

So, then I called my local branch of " Bank of the West '' just XXXX mins ago, to ask them to waive the fee, and she told me she has no access to my Bank of the West Credit Card, and that I would need to call the XXXX on the back of the card to get the fee waived! Which is what I already did and explained here what happened! 

This bank of lying to their customers and hanging up the phone on them! They have the WORST service I have ever come across!
Consumer complaint received 2024-07-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-09
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. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished. 

XXXX XXXX XXXXXXXX - not mine XXXX  - XXXX - not mine XXXX XXXX  - XXXXXXXX XXXX XXXXXXXX - not mine XXXX  XXXX - XXXX - not mine - inquiries attached also are nto mine