davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FEDChex Recovery, LLC (FL)

My son took a picture of my license and my credit card without my knowledge. He rented a XXXXXXXX XXXX To my knowledge they do all paper work over the phone as well as the payment. The owner of the vehicle that was rented throught XXXX XXXX XXXXXXXX XXXX ) just left the keys in the vehicle that was being rented. Meaning, this was a mistake on the owner 's part to just let someone take your care without meeting them. 

I have been harassed for 3 years. I have complied with everything. They had a detective interview me. Even the detective said it's risky, there are a lot of car thefts. I guess XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I thought this was over after the detective didn't see me at fault, identity theft is what happened. 

I spoke with XXXX they are fraudulant, they just put these charges on my credit report and reported to my car insurance after XXXX. My insurance closed the file denying their claim as there is no evidence that I had this vehichle. Again, identity theft Now I am complaining on how there services are set up for theft etc. Signatures and identification should he done in person. They would then see XXXX is a girl. My son XXXX stole my identity. 

I have not been so upset with a company. They do not listen not even after the detective closed the case. My insurance closed my case. I are messing with my credit. 

This should not be aloud unless there is proof of negligence on my part so they try to ruin me. Horrible!
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-19
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. (IN)

I am now requesting proof of the previous investigation. I am asking that you send your method of investigation, along with all records of you spoke with, their business address, name, and phone number as well as documentation that proves this account was late. if you can't provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Consumer complaint received 2024-05-19
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. (NC)

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX  XXXX and contains erroneous details that do not reflect my financial history accurately. 

Balance Issue : Collections accounts should not have a balance. This account is currently showing a balance, which is incorrect.

Open Status : Collections accounts are not supposed to be listed as " open ''. This account is inaccurately listed as such.

Missed Payment : This collection is reporting " Missed Payment '' on my report. This is utterly wrong. 

No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. 

XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 

Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 

Correct my credit report accordingly and provide me with an updated copy. 

I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Consumer complaint received 2024-05-19
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. (NC)

I am writing to bring to your attention unauthorized inquiries that have appeared on my consumer report maintained by your agency. Upon reviewing my credit report, I have identified inquiries that were made without my authorization.

Enclosed with this letter, please find a copy of the federal law enforcement report documenting the unauthorized inquiries. This report serves as official documentation of the unauthorized nature of these inquiries.

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to control who has access to their credit information, and unauthorized inquiries violate these rights. Therefore, I request that you take immediate action to investigate the unauthorized inquiries and remove them from my credit report.

Additionally, I request that you provide me with a copy of my updated credit report reflecting the Deletion of the unauthorized inquiries once the necessary corrections have been made. 

Sincerely, XXXX XXXX List of Inquiries to be deleted : XXXX XXXX XXXX  ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( TRANSUNION ) XXXX XXXX XXXX XXXXXX/XX/year> ( TRANSUNION ) XXXX XXXXXX/XX/year> ( TRANSUNION )
Consumer complaint received 2024-05-19
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)

i had 2 months deferred and they almost repo my car and did not hold up their part of the agreement so then i did make a payment on time within the 30 days past due as i just lost my job and gettin back on my feet .. they dont seem to care about me at all .. horrible customer service when ever i call them and i am not represented by a lawyer and they think so .. sort of XXXX
Consumer complaint received 2024-05-19
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Dear CFPB, I am writing to express my deep concern and distress regarding the negative items on my credit report, which have significantly impacted my ability to secure stable housing and maintain a positive outlook on life. 

Over the past few years, I have struggled to overcome the challenges associated with these negative marks on my credit report. Despite my efforts to improve my financial situation, these derogatory items have made it nearly impossible for me to find suitable housing. Every time I apply for an apartment or a rental home, I am met with rejection due to my credit score, which is heavily burdened by these past issues. 

This situation has taken a toll on my mental health. The constant XXXX  and fear of not having a stable place to live have left me feeling increasingly XXXX I feel as though I am trapped in a cycle where no matter how hard I try, I can not escape the shadow of my past financial mistakes. The rejection letters and denials have left me feeling hopeless and defeated. 

What is most disheartening is that I am trying to rebuild my life. I have taken steps to improve my financial habits, and I am committed to working hard to regain control of my finances. However, the weight of these negative items continues to hold me back, making it difficult to move forward and achieve the stability I so desperately need. 

I am requesting your assistance in addressing these issues. I believe that some of the items on my credit report may be inaccurate or outdated, and I am seeking your help to investigate these matters. It is my hope that, with your support, I can begin to see a path forward that includes the opportunity for fair and equal access to housing. 

Thank you for your time and attention to this matter. I am grateful for any assistance you can provide. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and they also own XXXX now and XXXX paid customer {$24.00} month membership includes real time Transunion co operation, XXXX XXXX XXXX XXXX XXXX customer US Social Security # based consumer USPS address changes, age, Algorithm info, GPS and online search engine history, credit inquiries et mas For sale to and also buying from multiple individuals persons. ONLINE APPS, WEBSITES, AGENCIES BANKS, NCUA FEDERAL CREDIT UNION, PAYDAY LENDERS, HEALTH IBSURERS, CAR. LIFE INSURESERS, HEALTHCARE SIMULATION PAID HUMAN FIELD MONITORS for huge US and Foreign currency amounts and has XXXX XXXX XXXX category and Seperate FICO SCORES ONLY BANKS, MORTGAGE COMPANIES AND INSURERS XXXX SEE XXXX POINTS LOWER THAN PAUD SCORES EXPETIAN CONSUMERS RECEIVE FOR {$24.00} A MONTH.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention a discrepancy in my consumer credit report that I have noticed across the major credit reporting agencies. Recently, three accounts have been successfully removed from my XXXX credit report. However, as of this writing, these same accounts have not been removed from my TransUnion and XXXX reports. 

The accounts that have been removed from my XXXX report are as follows : XXXX XXXX XXXX 
Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX The accuracy and timeliness of my credit report information are of the utmost importance to me. Having inconsistent information across different credit reporting agencies can negatively impact my credit standing and any financial opportunities that may arise. I am kindly requesting that TransUnion and XXXX update their records to reflect the changes made by XXXX. 

Please find attached the documentation from XXXX that confirms the removal of these XXXX accounts from my credit report. I trust that this will assist in expediting the necessary updates. 

Thank you for your immediate attention to this matter. I look forward to your confirmation once the updates have been made
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/year>, I made an outbound call to XXXX at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/year>, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/year>, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/year>, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXXXXXX XXXX PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/year>, to ensure I would not be adversely affected by the system issue ( IVR states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.
Consumer complaint received 2024-05-18
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)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-01-30
Product: Credit reporting 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: Experian Information Solutions Inc. (IL)

I tried to login into Experian. Despite logging in ealier in the day they state my password is not longer correct. 

I click the link to reset my password, authenticate with my phone, reset the password and get a " successful '' reset message. 

The " successful '' password does NOT work, even though I copy and paste the exact password I just typed. 

This happens over and over and I can not access the site to freeze my credit.
Consumer complaint received 2024-05-18
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. (MA)

To Whom It May Concern : I recently received a copy of my 3 Bureau credit report XX/XX/XXXX. After Reviewing my reports. I noticed there was an account that had a 30 DAY late payment. 
XXXX XXXX XXXX XX/XX/XXXX As a consumer I have rights that should be abided by. To my knowledge I am subject to an investigation about this instance on my report. I understand, By Law you are required to report accurate and verifiable information but you are not respecting my consumer rights. I am requesting there be an investigation.

BELOW ARE THE LAWS THAT ARE BEING VIOLATED : Under the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I understand that these are supposed to be reported but if things such as late payments are being reported it goes against the definition of a consumer report ( as I state above ) which makes it inaccurate and unreliable. BY law its not considered a consumer report because it isn't Fair and accurate information.

Late payments are considered a transaction, the law clearly states Reports containing information solely as to transactions and experiences between the consumer and the person making the report. 30 Day Late Payments are considered Transactions. Therefore, this 30 day late payment should be investigated and Reversed to read ok.

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not grant permission for anyone to furnish such things on my report. Unless it is written consent by the consumer ( me ) these types of report information should not be reported. 

XXXX XXXX XXXX XX/XX/XXXX Failure to comply satisfactorily with the reversal of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I am prepared to take any necessary legal actions if demands are not met. Reverse the late payments for XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX, XXXX and Equifax are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of 2022. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX XXXX  is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a consumer.
Consumer complaint received 2024-05-18
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. (MA)

I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : OXXXX 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 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 2024-05-18
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)

I recently checked my credit report and the most updated information that is being recorded For the following account XXXX XXXX and account number XXXX is INACCURATE. According to 15 USC 1681s -2 ( f ) a person may not provide any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My report states that on Transunion the account is CLOSED, XXXX as OPEN and XXXX CLOSED. 

Also the last activity showing on my report stated that Transunion recorded XXXX XXXX and on my XXXX showing XX/XX/XXXX XXXX XX/XX/XXXX. 

Allow me to also mention my monthly payment on TRANSUNION that reported {$0.00} XXXX {$570.00} and XXXX {$0.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy and fairness, I request immediate Deletion of this account from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-05-18
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Intormation In me tie or a consumer inarte consumer centres as Intormation 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 COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TransUnion.