davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$0.00} ( Paid ) Credit limit : {$1000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I had a Best Buy Credit Services card from the creditor Citibank. Best Buy arbitrarily closed my account without asking my consent, and without giving a chance to remedy, on the basis of my race and gender identity after initially requesting a credit increase. As soon as I reached out to Best Buy they cancelled everything having to do with my account and even blocked me from making purchases online while logged in ( requiring me to open a new account ). All purchases were instantly denied regardless of payment method used even though there had never been any issues prior. After the account closure I went to XXXX XXXX XXXX and enrolled my best buy account into XXXX XXXX managed payment services which negotiated a lower interest rate and makes all payments for me. They have never missed a payment and best buy has been paid consistently. In spite of this, they continue to report every month as more progressively late now showing 90 day late even though they have been paid promptly. Attempts to resolve this have been met with profanity.
Consumer complaint received 2024-08-08
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. XXXX XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
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 am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX2024 : XXXX Installment account with account # XXXX opened on XX/XX/XXXX2007 and a balance of {$0.00}. 
The current payment status of XXXX  days past due is incorrect because the balance due on this account is {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX2008 and a balance of {$0.00}. 
The current payment status of XXXX  days past due is incorrect because the balance due on this account is {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX2008 and a balance of {$0.00}. 
The current payment status of XXXX days past due is incorrect because the balance due on this account is {$0.00}. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I am entitled to a reasonable reinvestigation of any disputed information. Given that the balance on these accounts is {$0.00}, it is impossible for the payment status to reflect a XXXX days past due condition. This clearly constitutes inaccurate reporting, which is prohibited under 15 U.S. Code 1681e ( b ), mandating that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported.

Furthermore, the continued reporting of this incorrect information is causing undue harm to my creditworthiness, which is a violation of my consumer rights. In addition, under 15 U.S. Code 1681s-2, furnishers of information are required to report accurate information, and it is clear that XXXX/XXXX has failed in this duty.

Given the circumstances, I demand that you reinvestigate and delete or correct this inaccurate information from my credit report within the XXXX-day period as mandated by 15 U.S. Code 1681i. Please provide me with a description of the reinvestigation procedure, as required by law.

I also want to remind you that under 15 U.S. Code 1681n, civil liability for willful noncompliance with the FCRA can result in significant penalties, including actual damages, punitive damages, and attorney 's fees.

Please send me a copy of my updated credit report once this information has been corrected or removed.
Consumer complaint received 2024-08-08
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-08
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 am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-08-08
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 looked at my report today XXXX XXXX I noticed something are incomplete and not accurate, after sending in a dispute to Transition back in XX/XX/year> Transition deleted XXXXXXXX XXXX  and XXXX off my credit report because according to 15 USC 1681i ( 5 ) Reinsertion of Information : If a consumer disputes the accuracy of information on their credit report and the information is found to be inaccurate or unverifiable, the consumer reporting agency ( CRA ) must delete the information. If the information is later found to be accurate, it can only be reinserted into the consumers file under strict conditions. 
Notification of Reinsertion : If the information is reinserted into the consumers file, the CRA must notify the consumer in writing within five business days of the reinsertion. 
Certification of Accuracy : The CRA must ensure that the furnisher of the information certifies its accuracy before reinserting it into the consumers credit file. 
Consumer Rights : The CRA must provide the consumer with notice of their rights to add a statement to their file disputing the accuracy of the reinserted information. Transition violated my rights. Also according to I also sent them a request..
Consumer complaint received 2024-08-08
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$5500.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$20000.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$3600.00} Account Name : XXXX / XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX : Account XXXX : XXXX : Balance : {$4600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX  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 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

According the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Bridgecrest Acceptance Corporation (IL)

Bridgecrest car financing company said they submitted a back out refund check to me in regards to backing out of financing me for a XXXX XXXX XXXX with XXXX in XXXX Illinois on XX/XX/XXXX. I spoke with a representative from their team that confirmed the check was issued and would take 7-10 business days to be mailed to my home. I have checked my mailbox everyday, called XXXX to see if the check may have been sent there and asked for several updates regarding my check and still have not received anything. I called Bridgecrest on XX/XX/XXXX to inquire about my refund and the agent reached out to their accounts payable department who told him that they did not see any details of a refund on their end. He then spoke with their escalation team who confirmed that I was supposed to receive a refund from Bridgecrest and I was told he has to submit some sort of ticket to gain more information about if my check was ever sent out and to get more details. My car was taken on XX/XX/XXXX and it has been almost 30 days and I still have not received my money. The attachment that has been submitted serves as proof of the blackout that was submitted on XX/XX/XXXX.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX LL XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (GA)

I am a victim of identity theft, my information was exposed in an Equifax data breach. Please remove all accounts listed in this FTC report under section 605B within four days. The following inquires are not authorized : 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
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (ID)

The called me upwards of 3 or 4 times a day regarding a credit card charge off debt from XXXX. Around XXXX this year, XXXX, I spoke with a representative and tried to make payment arrangements with them according to what I could afford. They denied me, and were forcing me to complete with what they thought was best, to which there is no way I could have afforded. I now receive a summons that they are taking me to court. I feel this was unjust and unfair.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$4200.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-05
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (TN)

In short, I XXXX from XXXX in 2016. I have two need-based loans serviced through ECSI. I have been in medical school for the past 4 years, thus the loans went into deferral.

Upon checking my credit score earlier today, I was very surprised to see a notification for two delinquent accounts. ECSI had apparently re-opened the accounts as I have now completed my graduate education. However, I received absolutely ZERO communication regarding this fact. I missed two months of payments because I never received a statement on any occasion from them. Upon discovering this error, I immediately payed the full balance due, however, my credit score now has the history of delinquent accounts and dropped nearly 100 points.

This is an abject and total failure of communication on the part of ECSI. It is equivalent to a credit card company simply not sending a statement.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

My Credit report has inaccurate balance of debt owed. They closed the account and used their in house collections agency and did not provide me with any written form about the debt. I requested a debt verification letter/credit card service agreements and have not received anything.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.