davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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)

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Account and Associated Inquiries on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute the information listed on my TransUnion credit report, specifically regarding a derogatory account and associated inquiries. Despite my efforts to rectify this matter directly with the creditors, I have been unsuccessful in achieving a resolution. 

Below are the details of the disputed account and inquiries : # # # Derogatory Account : - **Creditor : ** XXXX XXXX SERVICES - **Reported : ** XX/XX/XXXX - **Status : ** Closed - **Balance : ** {$4800.00} ( 120 % of credit limit ) - **Credit Limit : ** {$4000.00} - **Monthly Payment : ** {$190.00} - **Opened : ** XXXX XXXX, XXXX - **Payment History : ** 75 % of payments made on time - **Last Payment : ** XXXX XXXX, XXXX - **Current Payment Status : ** XXXX Days Late - **Amount Past Due : ** {$820.00} - **Worst Payment Status : ** XXXX Days Late - **Account Status : ** Closed - **Type : ** Credit Card - **Responsibility : ** Individual - **Remarks : ** Canceled by credit grantor - XXXX XX/XX/XXXX Days Late : ** XXXX - **Closed : ** XXXX. XXXX, XXXX - **Creditor Information : ** XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DE XXXX, ( XXXX ) XXXX # # # Associated Inquiries : XXXX. XXXX - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX** - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX I have made multiple attempts to address the discrepancies and resolve this issue directly with the creditors involved, but to no avail. The derogatory account and associated inquiries are negatively impacting my creditworthiness and financial well-being. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and assist me in disputing the accuracy of the derogatory account and associated inquiries on my TransUnion credit report. Additionally, I request your guidance on the appropriate steps to take to rectify this situation and ensure the accuracy of my credit information. 

Enclosed are copies of any relevant documents supporting my claim, including correspondence with the creditors and evidence of my attempts to resolve the issue. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these discrepancies and restoring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. I have noticed some unauthorized accounts and addresses on my credit reports that I did NOT BENEFIT FROM. INEED THESE FRAUDULENT ACCOUNTS REMOVED IMMEDIATELY AND PERMANENTLY! I have had my ex XXXX XXXX, and my sister, XXXX XXXX, both use my information over the past several years, causing financial harm to me.
Consumer complaint received 2024-05-16
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My name is XXXX XXXX XXXX. On my credit report my name is spelled so many different ways and it is negatively affecting my credit score. Also my employers are incorrect as well as addresses I no longer use or have never used.i have disputed this with the 3 major bureaus and they never remove them.
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: W&A Intermediate Co., LLC (GA)

have discovered a XXXX collection on my account, and I am unsure of its origin and how my information was obtained. 
XXXX XXXX XXXX XXXX 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. (LA)

I reviewed my consumer reports and noticed that i had two 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 tor the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant 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. Thanks! Please see screenshot attached :
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. (TX)

In accordance with the fair credit reporting act XXXX account XXXX has violated 15 USC 1681 SECTION 802 A. STATES THAT I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A. SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT PERMISSION AND OR WRITTEN INSTRUCTIONS
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-16
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. (LA)

I am writing to challenge the reporting and compliance of my credit report.

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert 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 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (CA)

There was an error on first complaint this one is accurate. I also reject the offer sent to me XX/XX/XXXX which demonstrates the company is trying to pull the wool over my eyes and dismiss their malfeasance of not adhering to first settlement offer that I accepted in time per their date. Furthermore, asking for {$700.00} more and 2 payments a month is absurd. I will only accept the original offer as attached. 

On XX/XX/XXXX Net Credit offered to settle a debt of {$6700.00} for {$2000.00} in writing ( email ). I was instructed to respond by XX/XX/XXXX to which I did on XX/XX/XXXX that I accept. Same day, received Thank you for reaching out! The NetCredit Collections team has received your email and will make sure your inquiry gets the right attention. On XX/XX/XXXX, I was emailed In regards to your recent inquiry, the settlement offer your are referring to has expired as of XX/XX/XXXX. I immediately responded, Well I replied XX/XX/XXXX and your system acknowledged receipt of email. My only duty was to respond before expiration. Honestly, doesn't matter to me either way. Net Credit screwed XX/XX/XXXXuntil they were forced to comply with law limits. I paid quite a bit until I noticed the loan went up not down. The company did not respond directly about this but continues to send email regarding a personalized plan that included the entire debt with accumulation of fees.
Consumer complaint received 2024-05-16
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. (FL)

XXXX XXXXXXXX XXXX XXXX  report a late payment on XXXX, XXXX  on my Individual Credit hurting my score ; I call them an explained that I made the payment on XX/XX/year>, they stated that I will need a proof of the payment, so I faxed the bank account from where the payment was sent by fax ; however, now they are denying that they received the fax, and still hurting my credit due to their lies and incompetence. 
They do nothing for the costumers, but when they have any opportunity they will hurt your finances. This bank is not good.
Consumer complaint received 2024-05-16
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)

FCRA 605B seems to require us to delete any inaccurate accounts from my credit report. Could you check the documents? There are errors in some of the listed accounts, such as incorrect amounts and dates.
Consumer complaint received 2024-05-16
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. (TX)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnion 's failure to remove unauthorized hard inquiries from my credit report, despite multiple requests. These inquiries, which I did not authorize, include entries from XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ). TransUnion 's inadequate response and failure to provide verifiable documentation linking these inquiries to my accounts demonstrate non-compliance with the Fair Credit Reporting Act ( FCRA ). I seek the CFPB 's intervention to ensure these erroneous entries are promptly removed and my credit report is corrected.
Consumer complaint received 2024-05-16
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-16
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. (LA)

I file a complaint on XXXX XXXX XXXX case # XXXX XXXX. They responded that they sold my account to XXXX XXXX, which according to consumer law that is illegal. XXXX XXXX have called me several times and sent me letters. According to 15 USC 1692e ( 14 ) False and Misleading Representations- The use of any business, company, or organization name other than the true name of debt collector 's business, company or organization.

15 USC 1692j- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating the collection or in attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with provision of this.
Consumer complaint received 2024-05-16
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. (MO)

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

Account name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

1 ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX XXXX XXXX Account # XXXX XXXX ) Account name XXXX XXXX XXXX XXXX Account # XXXX the above listed 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information us inaccurate.
Consumer complaint received 2024-08-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received an American Express gift card as a bonus and it can not be used at any online retailer that I shop at. The bank doesn't recognize the card and my name so it's always declined. The card is active and the purchases are always well below the amount of the card, which is {$500.00}. Essentially the card is useless as it can not be used anywhere I shop online.
Consumer complaint received 2024-05-16
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 file a formal complaint against XXXX XXXX XXXX and the credit reporting agencies XXXX, XXXX, and TransUnion regarding fraudulent activity related to an auto loan taken out in my name without my consent or knowledge. 

I discovered that my identity had been stolen by my son, who fraudulently acquired an auto loan in my name without my authorization. I have never visited a XXXX dealership nor have I ever consented to or signed any documents related to an auto loan with XXXX XXXX XXXX. Furthermore, I have never provided permission for anyone, including my son, to use my personal information for the purpose of obtaining a loan. 

Despite these facts, XXXX XXXX XXXX has initiated a loan account in my name without obtaining my wet ink signature or any form of contractual agreement. I have never entered into any agreement with XXXX XXXX XXXX, and I have not benefited from nor have any association with the auto loan in question. This loan was acquired through deceptive and fraudulent means, and I demand that XXXX XXXX XXXX provide evidence of any legitimate contract or agreement with me. 

Additionally, I hold XXXX, XXXX, and TransUnion responsible for their negligence in verifying and authenticating the legitimacy of this loan. As consumer reporting agencies, they have a duty under federal law ( 15 USC 1681o and 15 USC 1681n ) to ensure the accuracy and integrity of the information they report. However, they failed to verify this loan with me before including it in my credit history. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against XXXX XXXX XXXX and the credit reporting agencies involved. Specifically, I demand that : The auto loan account in question be removed from all credit history maintained by XXXX, XXXX, and TransUnion in accordance with 15 USC 1681c-2 and FCRA 605B. 
XXXX XXXX XXXX provide evidence of any legitimate contractual agreement with me or remove the fraudulent loan account from their records. 
I reserve the right to pursue legal action, including arbitration or lawsuit, to seek punitive damages for the harm caused by the inclusion of this fraudulent account on my credit report. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the injustice done to me. Thank you for your attention to this urgent matter.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (UT)

XXXX XXXX recently updated and migrated their system. Due to the migration, payments failed to process. My autopay was set for XX/XX/XXXX, which didn't process due to their migration issues, leaving me with a {$29.00} late fee. I noticed this on XXXX XXXX and sent a one-time payment so I'd be current on my payment plan deal, as well a message through their secure message center trying to get the late fee removed. I tried calling but gave up after being on hold for an hour. I've checked my messages every morning but no response. On XXXX XXXX, I check, still no response, but now my minimum payment has been raised from {$29.00} to {$87.00}. My payment plan still shows as being {$29.00} a month and it's the only thing on the account. I sent another message asking again for the late fee to be removed and for the minimum payment to be reversed.
Consumer complaint received 2024-05-03
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: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX I want to emphasize that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.