davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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)

I am a victim of identity theft. Attached is a copy of my identity theft report with all fraudulent accounts and inquiries listed. Below are all listed fraudulent accounts and inquiries that are being reported to my Transunion Credit Report Fraudulent Transunion Accounts XXXX XXXX XXXX  Account # : XXXX Balance : {$390.00} XXXX  XXXX Bank Account # : XXXX Balance : {$420.00} XXXX  XXXX XXXX  Account # : XXXX Balance : {$390.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Balance : {$680.00} Transunion Fraudulent Inquires XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-05-29
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. (NY)

hom it may concern I have these closed accounts with XXXX XXXX XXXX Closed on XX/XX/XXXX & XXXX XXXX XXXX Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On Friday XX/XX/year>, I applied for a Capital One Venture credit card ( without the branding " X '' ). Their advertising was replete with promises of letting the consumer use a virtual card upon acceptance. My account was fully accepted with no holds and a {$10000.00} dollar credit line. One employee told me if I waited a few hours, the ability to use a virtual card should pop up on the app. Another employer told me it might never. Senior account supervisor XXXX who declined to give her middle and last names, only her agent ID XXXX, told he her view is that my " Capitol 1 Venture Card account is not eligible for a virtual card number. '' She did not explain why when I asked, nor were the discrepencies between the various Capital One staffers ' views on the possibility of a virtual card for this card ever resolved.
Consumer complaint received 2024-05-29
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. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-05-29
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)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-05-29
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)

FCRA 605B requires the deletion of any incorrect accounts from my credit report. These accounts have been inaccurately reported. I should be awarded {$1000.00} for each false entry on my credit file.
Consumer complaint received 2024-05-29
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)

I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Consumer complaint received 2024-05-29
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 consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Motor Acceptance Corporation has acknowledged that the account reported by XXXX has been settled and closed paid/ Never late. We request XXXX to accurately reflect this updated information on the credit report. 

Furthermore, Nissan Motor Acceptance Corporation is being accused of engaging in corporate malfeasance, including detrimental credit reporting practices and the unauthorized repossession of a vehicle owned by the consumer. While the account in question has been closed, the inaccuracies surrounding the incident have not been rectified. 

In addition, it should be noted that I have not previously raised this issue with XXXX. This communication serves as formal notice that inaccuracies present in the credit report are adversely affecting the consumer. Despite being aware of the disputed nature of this account and its involvement in legal proceedings, XXXX has persistently maintained the erroneous reporting. 

I am hereby requesting a compensation of {$3000.00} for the harm caused by these inaccuracies. Failure to address this matter adequately will compel me to seek redress through appropriate legal channels, utilizing this communication as evidence to support my claim.. 

Furthermore, it is imperative to highlight that XXXX XXXX actions may be in violation of the U.S. Code concerning late payments, specifically 15 U.S. Code 1666b. This violation is pertinent as the transaction in question was conducted using a credit card and a negotiable instrument. Such non-compliance with federal regulations further underscores the gravity of the inaccuracies in the credit reporting system and their detrimental impact on the consumer. 
XXXX CONSIDER THIS YOUR OPPORTUNITY TO CURE
Consumer complaint received 2024-05-29
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)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my credit and to my life and credit health.
Consumer complaint received 2024-05-29
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. (FL)

XXXX - Account # XXXX XXXX late payments reporting for the months of XXXX and XXXX XXXX XXXX account # XXXX XXXX late payments showing but information is innacurate shows only XXXX late payment for month of XXXX through transunion and XXXX but not XXXX Then month of XXXX shows late only on XXXX but not transunion XXXX XXXX How come the information is not the same across all bureaus reporting this matter? 

Ive mailed out a letter stating this information is incorrect, and they have not removed this negative item hindering my credit report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The XXXX stemming from this situation is tangible, affecting my XXXX quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Consumer complaint received 2024-05-29
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 REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SOME LATE PAYMENTS ON AN ACCOUNTS THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF XXXX ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX CARD ) ( XXXX ) ( NAME : XXXX XXXX  ) ( NUMBER : XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THOSE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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
Consumer complaint received 2024-05-29
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 consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-07-05
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. (FL)

What happened? 
XXXX XXXX has made fictitious 30-day late reportings violating consumer protection laws. I have provided proof of the payments yet the credit bureau insists on reporting incorrect information affecting my livelihood. Additionally, proof off payment has been submitted for XXXX XXXX, XXXX XXXX and XXXX XXXX  all with incorrect reportings. Further, XXXX frivolously ignored the requirement to notify my eligibility for participation in the State of FL lawsuit ordering relief to include forgiveness, and/or balance waivers resulting from deceptive practices in violation of Consumer Protection Laws. I request this account be deleted due to this violation and noncompliance.
Consumer complaint received 2024-05-06
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)

Despite our previous attempts, I regret to inform you that these issues still persist on my record. 

I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in removing the accounts from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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. (NY)

The credit bureaus ( XXXX, experian, XXXX ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted lexis nexis and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file I submitted the consumer report for their records and they need to update the file showing that the information regarding a bankruptcy needs to be removed. Also I would like to know why they are stating that they are receiving information from a third party company ( XXXX XXXX XXXX XXXX XXXX ) They have not reached out to them and are required to verify all information. Now that they have had 30 days and have not done the proper investigation I want this information removed now. 

The reference number show on the credit reports show as Reference number XXXX
Consumer complaint received 2023-05-21
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: EQUIFAX, INC. (MI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to file a formal complaint regarding the inaccurate and fraudulent information present on my Experian consumer report. The inaccuracies pertain to false names, addresses, and phone numbers, which are in violation of the Fair Credit Reporting Act ( FCRA ). As such, I request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to rectify this matter in accordance with FCRA regulations. 

Details of the fraudulent information on my Experian consumer report are as follows : Incorrect Names : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
False Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies not only undermine the integrity of my credit profile but also pose a serious risk to my financial well-being. As a consumer protected under the FCRA, I am entitled to accurate and verifiable information on my credit report. The presence of fraudulent details compromises my ability to access credit and financial services, and it is imperative that they are promptly removed. 

I have attempted to address this issue directly with Experian but have not received satisfactory resolution. Despite providing evidence of the fraudulent nature of the information, Experian has failed to take appropriate action to correct the inaccuracies. 

Enclosed with this complaint are copies of relevant documentation, including my valid identification and proof of residence, to support my claim. I urge the CFPB to investigate this matter thoroughly and compel Experian to comply with FCRA regulations by promptly removing the fraudulent information from my consumer report. 

I appreciate your attention to this matter and request that you keep me informed of any actions taken regarding my complaint. Should you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. Attached is a copy of my dispute letter sent to Experian. 

Thank you for your prompt assistance in addressing this issue.
Consumer complaint received 2024-05-06
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. (TX)

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, XXXX, and Experian. 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 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General 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 may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-06
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. (NY)

I am reaching out to bring to your attention that I have been subjected to identity theft. This letter serves as an official dispute regarding the accounts listed below. Following the instructions provided by the companies involved, I have taken the necessary steps to address this issue. I have filed an identity theft report with the FTC and have personally reached out to each company affected to dispute the information. I kindly request your assistance in resolving this matter. 

XXXX XXXX XXXX and XXXX XXXX XXXX.