davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

When I sent a copy of the FTC report, it was discovered that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a lawful response. If you choose not to obstruct the following items recorded beneath that are responding incorrectly as a result of fraud. The following items must be deleted from my file : 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$990.00} XXXX XX/XX/year> XX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-05-20
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 request the information below and received an answer regarding my rights under the FCRA 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages. 

THE FOLLOWINGS ACCOUNTS ARE REPORTING INACCURATELY SEE BELOW Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair. 

XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2024-05-20
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. (OH)

All unapproved credit pulls have been requested to be reviewed and removed. They refuse to do so. My information has been breached and I am not authorizing these pulls. They refuse to confirm the validity of the pull or how they were authorized. They do not protect my information or operate per law.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The XXXX, XXXX and Transunion all refuse to do their required job and confirm and correct.
Consumer complaint received 2024-05-20
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. (MO)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-20
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. (IL)

I've sent 3 letters to transunion and they keep telling me they havnt received it 20 phone calls and they're doing nothing to help me clear up the identity theft that's causing my credit to be destroyed
Consumer complaint received 2022-12-03
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. (NY)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer report has furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card as an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FISERV INC. (CA)

Somebody broke into my car and stole my wallet that included my ID. 
They have written checks at XXXX TRS recovery services Inc. have mailed me 2 forms as an attempt to collect debt First form was received by Mail : XX/XX/2023 Reference number : XXXX Amount : {$9300.00} Second form was received by mail, XX/XX/2023 Reference number : XXXX Amount {$10000.00}
Consumer complaint received 2024-05-20
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)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (MI)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have been submitting various requests to XXXX, Experian and XXXX to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. XXXX sent a letter saying info verified but provided no proof of verification as I requested.
Consumer complaint received 2024-05-20
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. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX : Late payments and inaccurate reporting dates XXXX XXXX XXXX XXXX XXXX or XXXX? 

I've disputed online and mailed the XXXX credit bureaus twice this year on investigating and updating the XXXX closed accounts for the payment statuses are inaccurately reporting on my credit report. All XXXX consumer agencies are reporting something different for each one however all continue to come back verified.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Consumer complaint received 2024-05-20
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 want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-12-28
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. (TX)

I have been a victim of identity theft since XXXX  I have poof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts thats reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XX/XX/XXXX** **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX # # # **Subject : Dispute of Incorrect Late Payments on Secured Credit Card Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from TransUnion and XXXX for my secured credit card account ( Account # XXXX XXXX ). These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Revolving - **Account Status** : Open - **Monthly Payment** : {$9.00} - **Date Opened** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$360.00} - **Credit Limit** : {$470.00} - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in Payment History : ** # # # # **TransUnion : ** - **Late Payments** : 60 days XXXX XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **XX/XX/XXXX : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion and XXXX update my credit report to reflect accurate payment history.

2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from TransUnion and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Once again I am writing you because of Equifax and their online dispute keeps telling me that The information provided does not match their work now I just sent a complaint over about this same matter and once they responded I was able to log in with the same information I was providing prior but I wasnt until I sent a complaint to the CFPB that I was able to log in. So once I logged into my account and got past the security questions it timed out. I typed in the same information and it wouldnt let me get pass the personal information like name, bday, address now I just logged in 10 mins prior With the same information that I tried again and now all of a sudden he say the information provided does not match. Then the second set of security questions are not accurate I provide the answer to the questions and it say it doesnt match now all of a sudden. I would like this issue resolved Due to inaccurate information on my credit report thats damaging my credit. I should be able to submit my dispute online. This is the second time.
Consumer complaint received 2023-12-28
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: Experian Information Solutions Inc. (AZ)

I am writing to report an unauthorized inquiry on my credit report. I recently discovered an inquiry that I did not authorize or have knowledge of this inquiry as a result of identity theft and must be removed no later than four ( 4 ) business days as per 15 U.S. Code sec. 1681c-2. 
I have also requested the Federal Trade Commission 's intervention to investigate and rectify this matter promptly. 
Thank you for your prompt attention to this matter. 

IXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

After reviewing my TransUnion consumer report I found several inconsistency reporting on this account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
It is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information XXXX. XX/XX/XXXX I was not 30 days late. See my bank statement. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid no data. 
XXXX. XX/XX/XXXX has but missing data XXXX. XX/XX/XXXX has missing no data. 
XXXX. XX/XX/XXXX has missing no data. 
XXXX. XX/XX/XXXX has missing no data. 
A proper reinvestigation was not done for this account. 
Please delete it from my consumer report.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (TN)

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.