davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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. (IN)

I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for XXXX XXXXXXXX and to my dismay they verified the reporting saying it meets FCRA XXXX. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

I have attached a screenshot of the reporting for the XXXX XXXXXXXX and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX In Accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, has violated my rights. 

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.
Consumer complaint received 2024-01-15
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)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-01-15
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. (GA)

The party Collection agency XXXX XXXX XXXX XXXX, Illegal furnished Information that I owed them an alleged debt, and I did not owe this agency anything. They are trying to extort me for an extension of credit, they do not have a legal right or license to collect in the state of Georgia they are located in North Carolina. I requested Validation proof of alleged debt and got nothing back but verification. I need proper proof this company has to right to collect this debt, including the original contract I made them XXXX XXXX XXXX XXXX and my signature. Transunion did show send me the documents that I requested from them how they verified the debt, what procedures were used nor original certification by the collection agency. 
Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt. 
Proof you can collect the debt in the state of Georgia? 
Signed agreement the Debtor has made with the Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay the Debt collector.

Any agreement that bears the signature of the Debtor, wherein agreed to pay the Creditor.

Have any insurance claims been made by any creditor regarding this account?

Chain of title on debt?

Do you own the debt or is the debt assigned?

How much did your agency buy the debt for?

As a consumer I am exercising my rights and by law, I am requesting this information provided for validation of debt.
Consumer complaint received 2023-06-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Had a lease that expired with XXXX and bought it outright had paid with autopay When I starting paying the bank missed the first 2 payments received a notice and paid it immediately thru auto pay and thought I had set up auto pay again missed the next 5 payments but never received a mail notification, email or phone call although they told me they tried to call but never left a message.had to take XXXX from the bank to buy the car back. Now it has ruined my credit. If the had sent a letter or left a call I would have paid it immediately.. I feel that before they repossess someone vehicle they should be required to leave a message or if sending a notice it should be required to be signed for
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-01-15
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. (MD)

I pulled up my credit files from each credit agency, Transunion, XXXX and XXXX. Each of these agencies are reporting accounts that do not belong to me. The accounts are listed as XXXX XXXXXXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX under account number # XXXX. I have requested each credit agency to provide me with contracts that bear my signature that I signed for these accounts. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they don't, they're in violation of the act. I will be filing a complaint as well to Maryland State Attorney General Office. The dates the information was requested is XX/XX/2023 and XX/XX/2023. As of today I have not gotten anything from any of the credit reporting agencies.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with Experian, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

My Name is XXXX XXXX am writing to you in reference to the following : I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is closed Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX Dear Experian I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/year> MY ONLY EMPLOYER IS : XXXX XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. I HAVE ATTACHED MY IDENTIFICATION CARD AS WELL AS A RECENT COPY OF MY ( BANK STATEMENT, UTILITY BILL, ID ) FOR YOUR VERIFICATION. 

Please send me a new report when you are completed so I may continue to verify its accuracy. 


Best Regards, XXXX XXXX XXXX Experian Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-15
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Transunion, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$31000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (MD)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-01-15
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. (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account has adverse items they are reporting again without my permission, which is against the law and harms me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Consumer complaint received 2024-04-10
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. (NJ)

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Experian. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Experian credit report. Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent account continues to be reported by Experian despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my Experian credit report. The company has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2024-01-15
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. (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account has adverse items they are reporting again without my permission which is against the law and harming me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX, and I have not yet received a response.
Consumer complaint received 2024-01-15
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Transunion, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems Inc is reporting inaccurate information my XXXX & XXXX credit report after several attempts to address the inaccuracy. 

I asked the National Credit Systems if they reviewed the documents that were sent to me about the debt and they said they understood the discrepancy but they are not required to verify information, they just send the information to the Credit Bureaus to satisfy the request. 

National Credit Systems told me to contact initial creditor for inaccuracies, the original creditor sent my requests back to collection agency. 

XXXX representative refused to enforce my legal rights of reporting incorrect information to my credit profile and agreed with the illegal practices of National Credit Systems.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I hope this message finds you well. I am writing to you regarding the dispute I have initiated with the Experian Credit Bureau, regarding the incorrect account listed on my credit report. The dispute number associated with this matter is XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or inaccurate information in my credit report. I have been attempting to resolve this dispute with Experian for a considerable period of time, however a satisfactory resolution has not been achieved. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX XXXX, has violated my rights. 

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