davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX, I checked my credit report on XXXX and Trans Union and noticed a debt of {$2100.00} listed from XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX. I disputed this debt through a letter dated XXXX XXXX requesting XXXX  to remove the remark indicating I no longer disputed the debt and to notify the credit reporting agencies. XXXX received my letter on XX/XX/year> at XXXX, via certified postal mail XXXX but they failed to remove the remark or inform the credit agencies as requested. 

Despite my clear instructions, XXXX XXXX XXXX XXXX XXXX did not take any action to update my credit report or notify the credit reporting agencies that I no longer disputed the debt. This inaction has negatively impacted my credit score and caused me significant emotional distress, including feelings of humiliation and mental anguish. 

XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 15 U.S.C 1692e ( 8 ), by not informing the credit agencies that the debt was no longer in dispute. Because of this violation, I am seeking compensation for the damages and costs I have incurred as a result of their failure to act appropriately.

I am willing to pursue all legal remedies available to me, up to and including litigation, to hold XXXX XXXX XXXX XXXX XXXX accountable for these violations and to ensure they are required to compensate me for the harm caused to my credit standing and personal well-being. I am committed to seeking a fair resolution to correct these issues and prevent further damage.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Have been going back and forth with Equifax. They have 2 credit profiles for me, in which I have sent in my passport, and SSA letter with my address. I have in the past had my wallet stolen, however, I have sent in documents VERIFYING my identity. There should be no confusion as the documents come from the federal government. EQUIFAX refuses to update and correct erroneous information, although, I have a copy of my report from XXXX. When calling, each agent has asked general question about my profile : do you have a charge card, if so how much is the repayment? Once I answer their questions based on the report generated from Equifax, they still tell me Im incorrect. I have faxed my supporting documentation to Consumer Affairs, and the complaint department.
Consumer complaint received 2024-06-12
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. (LA)

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 2024-06-12
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. (TX)

PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-06-12
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)

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 Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

We utilize a checking account with Fifth Third Bank solely to process our mortgage payment. We use an outside credit union for our day-to-day banking. We deposit funds into our 5/3 checking from our other account on a monthly basis. Because our mortgage amount changed due to changes in our escrow fund, our account with Fifth Third became negative {$6.00}. Once I realized this, I submitted a transfer from our credit union to Fifth Third that took 1-2 days to process. They charged us an overdraft fee of {$37.00} the night before our deposit posted to bring our account current. Because I do not regularly check our Fifth Third account, I did not know about the additional weekly overdraft fees nor did I ever receive an email notification regarding the fees being posted to our account. When I called to explain the situation and told the customer service representative that I made my account current as soon as I noticed it and if the initial overdraft fee hadn't been charged, then I never would've received any additional fees. They told me they could remove the {$37.00} fee as a courtesy and one of the {$25.00} weekly fees but could not refund the 3 other fees. My point was that, had they not charged the initial overdraft fee, the other weekly fees never would've happened. I even had alerts set up to receive via email. I am upset about the 3-additional fees they charged and refuse to refund because " it's their policy '' to only refund 1 per 12-month period even though I've been a customer in good standing w/ our mortgage for 13 years! The bank also returned my most recent mortgage payment because my account did not have sufficient funds even though I sent them my monthly payment due. But because of the weekly fees they posted, my account was below my mortgage payment amount so I had to go to a branch during work hours to make a payment to bring my account current and the branch customer service attendant couldn't do anything about the fees either.
Consumer complaint received 2023-12-06
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. (MN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts : CXXXX 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 {$1900.00} Dispute letters were sent to credit bureaus XXXX XXXX  XXXX, XXXX ) on XX/XX/2023 through XXXX certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-07-19
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. (CT)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/XXXX I reported {$480.00} in fraudulent charges by XXXX XXXX  to my account via my debit card. 
On XX/XX/XXXX they closed the claim and said that the charges where legit. 
XX/XX/XXXX received a letter stating that the charges where legit because my card and pin where used and that i must have authorized someone to purchase. 
called claims department on XX/XX/XXXX and was told that it was final decision and could not be reopened or redisputed
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX reported non payment through their collector to all credit bureau and that had a massive hit of XXXX points on my credit score. 
I moved out of the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX in XXXX and I have prove of my forwarding address submitted to the apartment leasing office and also XXXX XXXX to forward any closing bill whatsoever. 
They never sent anything to me but only to find out the credit bureau deduct XXXX points from my credit and have the negative remark which will be on my report till XXXX I called XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX TX XXXX to show any prove of letter sent to my forwarding address but they couldnt provide any. 
I paid off the said amount of {$730.00} since last week after I found out through credit bureau but they wouldnt go back to the credit bureau to fix their mess. 
How would I have paid a bill I never received? 
Please help me. 
I have inform delivery on my forwarding address inbetween that period and now so I can prove they never sent me any closing bill.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account Name : XXXX XXXX XXXX  ; Account Number : XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-06-12
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. (CA)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 


XXXX XXXX
Consumer complaint received 2024-04-26
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. (MI)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX, XXXX XXXX, was never late! I have had exceptional payment history with XXXX XXXX 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 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 the account 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 , Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-03-13
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

Hello, At Approximately XXXX XXXX EST. XX/XX/2023 I had an inbound call from the Law Office of Robert A. Schuerger Co., LPA, in regards to a debt I owe for student loans, in the amount of {$920.00}. 

I work Monday through Friday XXXX, so I couldn't answer the call, he did not leave a voicemail, but instead decided to call my younger sister, XXXX XXXX XXXX who was also working. She is not listed anywhere as a guardian, or emergency contact. 

She answered the call, and described the call as aggressive, and that he was an attorney trying to reach me, he mentioned the University XXXX XXXX, and that he was asking for my employer, and where I lived. This caused her to call me, she was very distressed, and said that he was being very aggressive, and it made her worried that I was in some legal trouble of some sort. Now I can hardly focus at work on a busy Monday morning. 

I called and made a complaint, and informed them I was filing this complaint to you as I believe that this was a violation of CFPBs Debt Collection Rule. 

XXXX XXXX XXXX Man who called Law Office of Robert A. Schuerger Co., LPA, XXXX XXXX XXXX XXXX, OH XXXX XXXX Thanks, XXXX XXXX
Consumer complaint received 2024-06-12
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. (GA)

This is my XXXX endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

I only have a single negative mark on my credit reports from a Florida debt collection agency. 

Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. 

Or, XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX They are claiming I owe XXXX {$200.00} for an unpaid phone bill. 

I've never had a contract with XXXX, only a prepaid account a few years ago. 

I filed a dispute with the credit agencies in XXXX of 2019 ( See attachment 2 ) and had this fraudulent collection account removed. However, Enhanced Recovery has refiled a new collection account with a new account number in XXXX of 2019 for the same amount, {$200.00}. 

Unbelievable that a company can make this claim, fraudulently, then do it again a few months later. I do have an attorney friend from college that works for the state of Florida in XXXX that I will be contacting to file charges against them, but in the meantime wanted to file this report publicly. 

Thank you!
Consumer complaint received 2024-06-19
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. (NV)

Even after submitting FTC report # XXXX, these unauthorized inquiries remain on my credit report. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of compliance, and each company received a certified letter indicating the inquiries were unauthorized, requesting their removal. I am now requesting immediate deletion of the unauthorized inquiries listed below. Enclosed is my new FTC report for reference, number XXXX. The purpose of this message is to address several unauthorized hard credit inquiries on my credit report. I am disappointed by the lack of action. When will Equifax remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please stop the delay tactics and remove the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. You have four business days to remove the reporting of any items in my credit file that resulted from incorrect credit report details. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2024-06-12
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)

FCRA 605B, as I understand it, necessitates the removal of any incorrect accounts from my credit report. Can you look over the documents? Some accounts are reported inaccurately, with errors in the amounts and dates.