davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I sent a letter to remove the 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 any items or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I submitted a dispute to XXXX due to Equifax is reporting that there is an account opened for XXXX XXXX XXXX. 
As a result, my credit score dropped XXXX points! 

My Equifax report shows Date of Last payment shows on my Credit report as : XX/XX/XXXX. 
This is not true! 
This account has been closed since XX/XX/XXXX. 
I returned this vehicle to the Dealership (XX/XX/XXXX) with the keys due to multiple issues with the vehicle. 
I purchased another vehicle ( with another Dealer ) the same day that I returned the XXXXXX/XX/XXXX Vehicle and keys to them. 
This account should be removed from my file due to its been over XXXX since the account was closed. 
Please remove this account from my Credit Report and add back my XXXX Points to my Credit Score.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} 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 2024-05-25
Product: Credit card — General-purpose credit card or charge card
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 have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-11-14
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)

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,
Consumer complaint received 2024-07-10
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. (TX)

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 XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I hope this message finds you well. This is my follow-up complaint regarding the submission dated XX/XX/XXXX. Despite our previous correspondences and the efforts made thus far, the fraudulent items remain unresolved. These entries are causing significant distress and negatively impacting my financial standing. It is imperative that immediate action is taken to rectify this situation and remove these inaccuracies from my credit report. I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. Below are the fraudulent items that need to be removed from my credit file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION (NC)

On XX/XX/XXXX I mailed a notice of collection dispute to XXXX and XXXX reporting agencies regarding fraudelent information reported to them by Automobile Acceptance. XXXX did not return the Return Reciept I mailed to them, as required by the US Postal Service- a paid service. However, they noted on my credit report the following note " Between XX/XX/XXXX and XX/XX/XXXX the following remark was removed from this account : Consumer disputes - revinstigation in progress. '' At the same time they also added a note that the account I disputed has been updated to " Charged off acccount, fixed rate ''. 

XXXX. ) XXXX failed to contact me with information indicating the false account has been successfully proven by the creditor. 

XXXX. ) As I shared with XXXX, the creditor Automobile Acceptance has been submitting late payment information for the past three years. All the while knowing the vehicle has not been in my possession since XX/XX/XXXX. There is a note on the report that indicates the last last payment was XX/XX/XXXX - this is false- the vehicle was not in possession. Further, why is XXXX reporting late payments as of XX/XX/XXXX while noting the last late payment was XX/XX/XXXX? 

XXXX. ) Further, the creditor is claiming a loan amount of {$9700.00} due to them. This is also false as the loan amount was not for that amount. I DO NOT owe this Automobile Acceptance {$9700.00}. 

XXXX. ) Due to this false reporting on the part of the creditor, I requested the account be completely removed from my credit report. 

XXXX has closed the investigation, per notes on my report without completing the investigation nor removing the fraudalent account.
Consumer complaint received 2024-05-25
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. (MI)

I hope this message finds you well. This is my follow-up complaint regarding the submission dated XX/XX/XXXX. Despite our previous correspondences and the efforts made thus far, the fraudulent items remain unresolved. These entries are causing significant distress and negatively impacting my financial standing. It is imperative that immediate action is taken to rectify this situation and remove these inaccuracies from my credit report. I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. Below are the fraudulent items that need to be removed from my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 2024-06-05
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( XXXX ).
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX : On XX/XX/XXXX, XXXX mailed over a dispute letter to XXXX XXXX the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 

TransUnion : On XXXX XXXX| mailed over a dispute letter to TransUnion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from TransUnion that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 


XXXX. On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I havent received a response as of XXXX I am demanding XXXX XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute.
Consumer complaint received 2024-06-25
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (MA)

I deposited around {$24000.00} in Marcus by Goldman Sachs online saving account. 

I tried to transfer some money from this account to my linked checking account at another bank. Without notification the transfer failed after long wait. I called and found out the account is on hold on XX/XX/year>. 

They asked me to do the authentication via physical address, which will take over XXXX  days. They offer no other way of doing this, even I already provided all information accurately, including my SSN and secrete word. My phone number also matched the one on file. 

I really need to access this money to pay my living expenses. So they advised me to close the account, promising that the fund will be returned XXXX business days. 

On XX/XX/year>, after XXXX business days of waiting, I called again and found out that the closure can not proceed because I still need to resolve the authentication.
Consumer complaint received 2024-05-25
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. (MI)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.
Consumer complaint received 2024-05-25
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. (VA)

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 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my credit report.
Consumer complaint received 2024-06-25
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. (FL)

I am writing to file a complaint regarding XXXX unauthorized inquiries that appear on my TransUnion credit report. These inquiries were made without my consent and are negatively impacting my credit score. Below are the details of the inquiries. 

XXXX  Inquiry is XXXX  XXXX XXXX Which was made on XX/XX/scrub> 2024 & the XXXX  was with XXXX XXXX  Which was made on XX/XX/year>2024. 

52 Days Ago : I sent a formal dispute letter to TransUnion regarding these XXXX fraudulent inquiries. I provided detailed information and requested the removal of these inquiries from my credit report. After receiving no response to my letter, I called TransUnion to follow up on my dispute. Despite several attempts to get assistance, I was unable to obtain any helpful information or resolution from their customer service representatives. 

Despite submitting my dispute more than 52 days ago, I have not received any acknowledgment or response from TransUnion regarding the status of my dispute. 
Inadequate Support : When I called TransUnion for assistance, the customer service representatives were unable to provide any helpful information or resolution to my issue. 
Impact The unauthorized inquiries are negatively affecting my credit score and overall credit profile. This situation is causing me significant distress and inconvenience.
Consumer complaint received 2024-06-06
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. (OK)

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXXXXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX, OK XXXX ; XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX
Consumer complaint received 2024-05-25
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)

Under FCRA 605B, we are required to eliminate any false accounts from my credit history. This entry is inaccurately listed and needs to be removed. I am eligible for {$1000.00} for each incorrect report on my credit file.