davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (SC)

Bill for amex card was sent to wrong address. I was never notified by phone or email despite having this card since XX/XX/1969. Card was charged on an automatic annual charge and bill was sent to incorrect address, the charge was {$25.00}. This card was used for a transaction and declined thus making me first aware of a problem with this card. I then called Amex and learned that they cancelled this account, reported me to XX/XX/XXXX and my credit score was negatively impacted. In addition they lowered my credit limit on an additional Amex that I have also had since XX/XX/1969 and cancelled over XXXX points. I have always paid on time and never was made aware that I had a XXXX balance on the canceled card that was sent to the wrong address. When I asked them to increase my credit limit back to what it was on my additional account prior to this incident I was told no. I was also told no to reinstating my canceled points. The reason they gave me was that my credit card score was lowered due to nonpayment of my credit card. This is outrageous, they are blaming me for a problem that they created and now refuse to fix this issue even though I have had outstanding credit history with them since XX/XX/1969. I want my current card 's credit limit increased back to what it originally was and my credit score corrected immediately and my points reinstated. I am appalled as to how I was treated by Amex.
Consumer complaint received 2024-06-18
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. (FL)

I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( XXXX ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-18
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. (AL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-18
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (DC)

The car was deemed lost stolen and I had insurance and gap on the car and I went through all the process of paperwork to get the car paid off and there are still telling me that I have a balance of I think {$6000.00} to pay out and a total that the gap was covered in my insurance processed the check and theyre trying to give me a runaround about some Wheel warranty on the vehicle, but the vehicle was stolen for me
Consumer complaint received 2024-06-18
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. (FL)

the company XXXX XXXX XXXX  offered loan suspension because of a hurricane Then XXXX XXXX offered a loan modification. 
they never gave an exact due date but told me to start the process about 30 day before the suspension was up approx XX/XX/XXXX which i did and submitted documents around XX/XX/XXXX. 
XXXX XXXX said I would not have negative reporting and this included during the modification process. 
XXXX XXXX called and sent mail to me several times during the 90 day suspension to say I was behind on payments and every time I called them back to discuss any issues they said it was a standard call or mail and " to ignore it '' not to worry about it. 
while in the process of loan modification they reported me to 3 credit agency 's as late on XX/XX/XXXX XXXX i received no mail or call warning of this. this dropped my credit from XXXX to XXXX. They also continued to request documents from my loan modification, but I was forced to get a loan to pay off the late payments in order to stop negative reporting even though I was in the loan modification process, which took them almost 3 months to complete. Then, once complete, they told me I did not qualify for loan modification because my loan was current. So they offered suspension due to hurricane and a modification but negatively reported on my while in middle on the process over many months i asked for return calls but 80 % of the time i never got a call back when they said they would. I had to continue to follow up. If they would have told me they would negatively report me while in a loan modification process I would have handle this differently. 
i asked for the recording of all calls but they refused. 

XXXX XXXX XXXX  is a predatory bank. I never got a loan from them, and my loan was sold without my knowledge to XXXX XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans-union , the consumer reporting agency HQ in XXXX and Illinois, AND XXXXXXXX XXXX  XXXX is intentionally violating the law and FCRA and credit laws of the US, by stating on my credit report that I am not paying my mortgage to XXXX XXXX !! Transunion illegally and unethically obtained my property information ( not mortgage payment ) and then DROPPED MY CREDIT XXXX SCORE BY OVER XXXX POINT FOR NO REASON!! I HAVE PAID MY MORTGAGE ON TIME FOR OVER TWO YEARS NOW AND THE BALANCE DECREASES BY OVER XXXX $ EACH MONTH! Instead, transunion makes it appear that I have paid NOTHING on my mortgage and keeps my XXXX credit score artificially low!! I'm a XXXX person and veteran and you are a dirty awful evil company that is preventing me obtaining any credit by your lies and falsehoods! Transunion perpetually lies on this complaint I file stating its " his ability to obtain his credit report! '' versus fixing my credit report and score! The second trust from florida hometown heros is NOT part of my mortgage and should NOT be reporting as a XXXX $ balance than my XXXX XXXX  mortgage! Stop lying transunion and report my balance accurately and raise my credit score and my mortgage balance decreasing XXXX $ every month!! I have reported Trans union to the Florida Attorney generals office!
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-18
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-08-29
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX  has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXX XXXX  XXXX
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2024-06-18
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 am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-18
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. (GA)

XXXX XXXX Subject : Dispute of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the fraudulent account reported by XXXX XXXX XXXX on my TransUnion credit file. This account is not mine and is a result of identity theft. Below, I have outlined the applicable federal and state laws that support my dispute and request for the immediate removal of this account from my credit report. 

Account Details : Source : TransUnion XXXX : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Business Type : XXXX Balance : {$500.00} Applicable Laws and Regulations 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Credit reporting agencies are required to block information resulting from identity theft within four business days of receiving proof of the identity theft and a police report.

15 U.S.C. 1681i : Credit bureaus must investigate disputes and correct or remove inaccurate or unverifiable information, typically within 30 days.

2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c : Prohibits debt collectors from communicating with consumers after being notified that the debt is disputed and the consumer requests cessation of communication.

15 U.S.C. 1692g : Outlines the requirement for debt validation and mandates that debt collectors cease collection efforts until the debt is verified.

3. Georgia State Laws : Georgia Code 10-1-393.8 : Protects consumers from unfair or deceptive practices in the collection of any debts, including those resulting from identity theft. 
Case Studies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case highlights the responsibility of credit reporting agencies to reasonably reinvestigate disputed information. 
XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case underscores the importance of consumer rights in disputes involving identity theft and the obligations of credit reporting agencies under the FCRA. 
Requests : Given the above references, I request the following actions be taken immediately : Cease all communications to me regarding this fraudulent account. 
Remove the fraudulent account from my credit report. 
Provide written confirmation of these actions. 
I mailed a letter with my ID theft report and and the police report I filed regarding this matter. I sent this to your company back in May Failure to comply with these requests may result in further legal action to protect my rights under the FCRA, FDCPA, and applicable Georgia state laws. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-08-28
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I received an email from XXXX XXXX XXXX  stated they violated my rights based on California Consumer Privacy act by selling my information to PYOD which is a collection agency. XXXX XXXX XXXX  nor PYOD has no information to prove that it is mine and not paperwork with my wet signature on it. Also my FDCPA laws that protect me was violated based on 15 USC 1692 A ( 3 ), 1692 A ( 5 ), and1692 A ( 6 ). In return, it has lowered my quality of life and causing to pay more to live.
Consumer complaint received 2024-06-18
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. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX **Subject : Dispute of Unauthorized Credit Inquiry** Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

**Details of the Unauthorized Inquiry : ** - **Date of Inquiry : ** XX/XX/year> - **Name of Creditor : ** XXXX XXXX XXXX XXXX  via Dealer - **My Full Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX, XXXX, TX XXXX I XXXX request XXXX you : XXXX. Investigate this matter and provide documentation proving that I authorized this inquiry. 
XXXX. If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
XXXX. Provide written confirmation of the removal of this inquiry and any correction made to my credit report. 

Enclosed with this letter, I have included a copy of my credit report highlighting the disputed inquiry, and a copy of my identification. 

I appreciate your prompt attention to this matter and look forward to receiving a response within 30 days of your receipt of this letter. Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX. 

Thank you for your cooperation, integrity, and diligence. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of Credit Report, Copy of ID ]
Consumer complaint received 2024-06-19
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. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.