davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (NC)

To Whom it may concern : Good Day, My name is XXXX XXXX - an Identity Theft victim of the 2017 Equifax Data Breach - and I am contacting you to uphold my rights as a U.S. Citizen in accordance with the Fair Credit Reporting act. 
- - The List of XXXX Accounts below have Violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 listed below : XXXX. XXXX XXXX XXXX XXXX = Account # : XXXX XXXX. ) XXXX XXXX = Account # : XXXX XXXX The Above XXXX Accounts have violated my Rights as per the following Laws :. 

~ 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. 

Thank you dearly for your diligence and time.
Consumer complaint received 2024-05-24
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. (IL)

To whom it may concern : 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 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-05-24
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. (NJ)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ) the TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is in violation of my consumer rights. I sent out disputes to them on XX/XX/year>. There was never a reply or mail back from transunion and by law I read they have 30 days to respond they are already in violation. I want these accounts listed in my attachments below investigated and deleted. The information reporting is all inaccurate and unverifiable and I listed and highlighted each account please see attachments. Please conduct a proper investigation and if these accounts are investigated again and there is even 1 inaccuracy reporting I am taking Transunion to court! Please make sure everything is 100 % accurate under 15 USC 1681e ( b ) - Credit report agencies must follow reasonable procedures in order to assure maximum possible accuracy concerning the consumer. If it can not be verified or any information reporting is incomplete delete it at once please. Please send me an updated credit report after your dispute is finish.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (NJ)

I had a mortgage with Nation Star Mortgage. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( XXXX and XXXX XXXX ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XX/XX/XXXX and XX/XX/XXXX AFTER the item was paid. But they then listed a 120 day in XX/XX/2015 ... TWO MONTHS AFTER PAYMENT. 

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the Nation Star item and the second page which continues with their historical listing.
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XXXX XX/XX/2023 I only owed Credit acceptance {$3400.00} for my vehicle and it would be paid off. Skip to XX/XX/2023 They now claim I owe more than {$10000.00}! They did not call me or email me yet repossessed my vehicle on XXXX XXXX which is today. Theyve done this twice in the past 7 months trying to get more money from me.
Consumer complaint received 2024-05-23
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)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
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. (VA)

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 or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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 XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$94.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$250.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-05-23
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 am writing to formally dispute inaccuracies on my credit report pertaining to an auto loan account that I held with XXXX XXXXXXXX XXXX XXXX. After careful review of my credit report, I have identified discrepancies involving duplicate reporting of this account. Below are the details of the disputed account : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Current Status : Balance owing - {$19000.00} I am disputing this account on the following grounds : Duplicate Reporting : The account in question is being reported multiple times on my credit report. This duplication of reporting is erroneous and has the potential to adversely impact my creditworthiness. Paid in Full : I want to emphasize that the auto loan associated with this account has been paid in full XX/XX/XXXX. 
Despite fulfilling all financial obligations, it continues to be inaccurately reported as active, leading to a misrepresentation of my credit profile. FCRA Compliance : I am bringing this matter to your attention in accordance with the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as yours, maintain accurate and fair information on consumers ' credit reports. The duplicate reporting of this account violates these provisions. 
Request for Investigation : I hereby request a thorough investigation into this matter as per the FCRA guidelines. I expect your agency to conduct a prompt and fair investigation within the statutory timeframe of 30 days. 
I respectfully request that you take immediate action to rectify this discrepancy. Upon completion of your investigation, I anticipate a written response detailing the outcome and any corrective measures taken. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism. 
Below
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PR)

Experian has information from XXXX on account # XXXX that because of there misinformation has affected my credit score. On 2015 my phone was damaged. So, I changed companies than in les than 48 hours was back with XXXX always keeping the same number. On the day that my bill was closed to be due, I made a called to verify my outstanding balance ; As when i went back to XXXX was under a new account number but same cell number. I was told on a recorded line by the representative that if any balance is due will be in the same number. I made that call as I was unable to view my ebill, I was unable to get into my email as i lost the passwords.Had all passwords automatic, there are some calls to that to company that will back up this information also on a recorded line, Never received a letter or a text like they do or a call for the amount due even though the number was never changed. The phone never got disconnected, All calls are recorded so I wish this matter could be investigated because is not right i haver never missed a payment with this company, All calls are recorded concerning this cell number on both accounts as its stated at the begining of the call.
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. (NC)

This company XXXX XXXX XXXX is in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX is reporting inaccurately.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-07
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-05-24
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)

According to FCRA 605B, I think we need to remove any wrong accounts from my credit report. Would you mind checking the documents? There are inaccuracies in some of the accounts listed, with incorrect amounts and dates reported.
Consumer complaint received 2024-05-24
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 BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2024-07-08
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)

When reviewing my credit report, I noticed a new credit card account was opened fraudulently XX/XX/year>. I reached out to the credit burea ( trans union ) who told me I needed to file a report with the FTC in order for them to be able to take action. I also reached out to the credit card company ( Current ) who told me they could not give me any information but the fraud department would email me within a few days. Let me know what other information you need. Thank you
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. (CO)

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 these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act XXXX Bankruptcy XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have a letter from XXXX and the Bankruptcy Courts stating that their company did not report this inaccurate information.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2017-02-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANCO POPULAR DE PUERTO RICO (CA)

I filed claim case # XXXX on CFPB addressed to Banco Popular de Puerto Rico. Banco Popular responded to that claim : " Relief We referred to the XXXX and XXXX Credit Agencies the removal of the additional inquiries to your credit report. '' I contacted XXXX and XXXX Credit Agencies today ( XX/XX/2017 ) and both of them advised me that Banco Popular de Puerto Rico had not referred any removal of any inquiries to my credit report. They advised me to contact Banco Popular so that they communicate XXXX and XXXX through their credit system the removal of the additional inquiries to my credit report. 
I then called Banco Popular at XXXX on XX/XX/2017 as suggested on their response to my claim and the agent that took my call had no clue about my claim case # # XXXX filed to the CFPB. 
I thus have no alternative but to file another claim to the CFPB : ( 1 ) To report that Banco Popular did not refer to XXXX and XXXX the removal of the additional inquiries to my credit report as promised on its response to claim case # XXXX. 
( 2 ) To bring to your atention that both XXXX and XXXX advised me that if Banco Popular would refer the removal of the inquiries through their credit communication system, the removal of the inquiries would be almost immediate. 
( 3 ) To request once again that the additional hard inquires are removed from my XXXX and XXXX Credit Reports. 
( 4 ) To report that Banco Popular was unable to assist me on the phone regarding this case in contrast to what was stated on their response. The agent had no clue about my case. He could not find it. This is unacceptable.