davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-26
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. (LA)

2 months on XX/XX/XXXX I had these same issues of fraud on my credit report. I sent letters and no response. I called about this and I cant even get a home Im in PROCESS with because of the fraud on my credit and all 3 Bureaus are impacting my family Due to the XXXX XXXX breach, XXXX XXXX breach and XXXX  XXXX Data breaches been going on Im exposed and need Fair treatment.!!! Attached are the proof
Consumer complaint received 2024-09-26
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)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Firstsource Business Process Services, LLC (CO)

On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt. The letter was delivered per XXXX the receiver did not sign for the return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Creditor Name : XXXX XXXX Date : XXXX2018 I recently got my report and saw that this company ran my report XXXX XXXX and I have no idea what this coming from. I would like this to please be removed because it is really hurting my credit. Also, I would like original documentation of what this was for and deleted.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I am writing to formally dispute the accuracy of certain information contained in my credit report. I believe that these inaccuracies violate 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports.

Inaccurate Accounts : These account are inaccurate its showing to be charged off monthly. Accounts can only be charged off once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies have significantly impacted my creditworthiness and have caused the following adverse effects : Denial of Credit Applications : Due to the incorrect information, I was recently denied credit, which has caused financial hardship.

Higher Interest Rates : The inaccurate data has led to a lower credit score, resulting in higher interest rates on the credit that I have been able to obtain, costing me more money in the long term. 

Damage to My Reputation : These inaccuracies have caused undue stress and embarrassment, particularly when my credit report was reviewed for housing. 

Financial Strain : The errors have affected my ability to access necessary credit for emergency expenses, impacting my financial stability. 

Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), I am entitled to have accurate information reported. I request that you investigate these errors promptly, correct the inaccurate information, and provide me with an updated credit report reflecting these changes. These accounts have been removed and replaced back on my report. 

Please provide me with a written response detailing the results of your investigation and the actions taken to correct my report. I appreciate your prompt attention to this matter, and I look forward to resolving these inaccuracies as soon as possible. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-24
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year>, I received two notices from Capital One stating that my credit card accounts ( ending in XXXX and XXXX ) were closed due to non-compliance with their Customer Agreement and the inability to verify the documents I had provided. After reviewing my transaction history, I found no irregularities or activities that violated the agreement. All transactions were legitimate, including transfers to and from family members for shared expenses, loans, and repayments. 

On XX/XX/year>, I sent a formal letter to Capital Ones customer service, requesting an explanation and offering to provide additional documentation to support the legitimacy of my transactions and the authenticity of the documents. However, despite this effort, I never received a response addressing my specific concerns. 

On XX/XX/year>, I received a follow-up letter from Capital One stating that my accounts had been closed and that I was no longer able to make transactions. The letter also referenced a previous letter that supposedly explained the reasons for the account closures, but I never received that communication. This lack of transparency and the failure to provide a clear explanation for the account closures has caused significant financial inconvenience and disruption to my plans. 

Actions taken by me : Sent a detailed letter to Capital One on XX/XX/year>, requesting an explanation and offering additional documentation. 

Maintained a consistent record of on-time payments and responsible account management before the closures. 

Tried to resolve the issue directly with Capital One through multiple communications. 
Actions taken by the company : Capital One closed both of my credit card accounts on XX/XX/year>, without providing a detailed explanation. 

The company claims to have sent an additional letter explaining the reasons for the closures, but I never received this communication. 

On XX/XX/year>, they sent a letter confirming the account closures but failed to address my specific concerns or provide any new information.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have identified inaccurate information on my credit report that remains uncorrected by TransUnion, XXXX, and XXXX, despite my prior disputes. The credit bureaus have verified this information as accurate without properly investigating the matter. I have provided supporting documentation that proves the inaccuracies, and their failure to correct this information violates the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ), which mandates a thorough investigation and timely correction of disputed items. 

This ongoing reporting of false information is not only misleading but also a violation of my consumer rights. I request that this erroneous data be immediately removed from my credit report to prevent further damage to my credit profile. Please take corrective action as required by law.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I pulled my credit report on XX/XX/ and found a charge off from TOYOTA MOTOR CREDIT. Despite that this account shows as a charge off, and is closed you continue to report it as late ever month including last month. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to fix it you are in violation of the FCRA.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

According to 15 U.S.C 1681i Section 1A states the FCRA bank system is dependent upon accuracy and fairness. Any inaccurate reports directly impairs the efficiency of the banking system. Also a investigation must be conducted.

Also 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you TRANSUNION, stating that the account was verified!!! Of course this puzzled me when I never asked you for verification I simply told you that I was aware of the laws you were breaking. for example, how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? DO YOU STILL FALL UNDER THE FCRA LAWS? DO THEY KNOW YOU ARE WILFULLY VIOLATING THEY LAWS AND MY RIGHTS? OR DO YOU JUST NOT CARE? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. Just because a creditor reports it to you don't forfeit your obligation to follow the law! 
I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, XXXX & TRANSUNION have fraudulently verified an account without a reasonable procedure as required by law.
Consumer complaint received 2024-09-25
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. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Experian : XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$90.00} - Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXX XXXX Account # : Date open : XX/XX/XXXX Balance : {$680.00} - Collection Bankruptcy Chapter XXXX XXXX Docket Identifier XXXX Date Filed XX/XX/XXXX - Public record XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX XXXX  ( Original Creditor : XXXX  ) Account # : XXXX Date open : XX/XX/XXXX Balance : {$680.00} - Collection XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$0.00} - Bankruptcy XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$90.00} - Collection Bankruptcy Chapter XXXX XXXX Docket Identifier XXXX Date Filed XX/XX/XXXX - Public record XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - XXXX  XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-09-26
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. (AR)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer may have given you written, unwrittten, verbal and nonverbal per 15 USC 6802.
Consumer complaint received 2024-09-26
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. (AL)

They are violating my rights under er 15 1USC1681 a, b and I I am I am promise 100 % accuracy if they cant verify it updated it have to be removed. I have disputed this several times and they keep sending back verified this but not once did day. Send me a method of verification had verified. It just updated verified accurate as well as my information was exposed in a data breach also they reported in accurate information. Also, the data furniture is not trying to do anything so I have no alternative, but to file allows suit and sue them for punitive damages. My credit worth this which is they are ruining my reputation. They also removed some items and then re-inserted them back on without even seeing Red permission, I asked him to remove it and verified as accurate mistakes and actresses in inconsistent so I would now be pursuing legal obligations
Consumer complaint received 2024-08-01
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. (OH)

TO WHOM IT MAY CONCERN I HAVE DISPUTED UNAUTHORIZED ITEMS AND ASKED FOR PROOF AND VERIFICATION OF OWNERSHIP OR EVEN A CERTIFIED RECEIPT VIA CERTIFIED MAIL ACKNOWLEDGING A DEBT OWED WITHOUT THESE ITES THEY ARE VIOLATING MY FAIR CREDIT CONSUMER RIGHTS AND ACCOUNTS NEED TO BE REMOVED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY (TN)

I made an autopayment on XX/XX/XXXX for {$760.00}. I had over {$1100.00} in my bank account at the time, but they still came back with a returned payment of {$760.00} and then charged a {$39.00} returned payment fee. I made the payment again on XX/XX/XXXX online for the same amount after transferring funds into my account to make sure there was enough again and they said on chat they would reverse the {$39.00} returned payment fee. They hit me with a returned payment of {$760.00} again and instead of removing the {$39.00} charge, they charged an additional {$39.00} returned payment fee. I have let them know that I am not going to attempt to pay them anything again, until they remove the two {$39.00} fees. They are causing the returned payments and then charging me {$39.00} each time.