davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/scrub>XXXX XXXX XXXXTransunion Attn : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear XXXX XXXX, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( XXXX, XXXX, and TransUnion ) . Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified. 
2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( XXXX, XXXX, and TransUnion ) . 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc. (TX)

Prosper Credit card sends me statements showing balance of around {$1700.00}. I never had this credit card neither did I ever applied for it. Card ending number on statement ( XXXX ). 
I tried calling prosper credit card but seems like they not ready to resolve my issue. 

In the statement there are so many out of country transactions, I haven't traveled out of country since XXXX of XXXX.
Consumer complaint received 2024-05-19
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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/2021 and XX/XX/2021. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (KY)

I sent a letter to Experian, XXXX and XXXX on XX/XX/2023 my tracking numbers where for experian XXXX .... for XXXX XXXX and for XXXX XXXX involving XXXX XXXX XXXX account XXXX However they said that they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers 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. 

this account has several inaccuracies and this account needs to be deleted right now
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-06
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-19
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. (OK)

FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.
Consumer complaint received 2022-10-14
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. (PR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2024-08-13
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. (MS)

Based on, 15 U.S. Code $ 1681c - 2 a consumer reporting agency shall block the reporting of any information in the 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.

Under 15 U.S Code 1681e ( b ) & 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 section 602A states I have rights to privacy Pursuant 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Consumer complaint received 2024-08-13
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)

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that you are required to reevaluate these items with the respective creditor responsible for their inclusion. Please eliminate any information that the creditor can not verify. I am aware that 15 U.S.C. Sec. 1681i ( a ) stipulates that this reinvestigation must be completed within 4 days from the receipt of this letter. 
Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no cost associated with obtaining this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months of the necessary corrections. 
Thank you for your attention and assistance regarding this matter. Yours sincerely,
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX RE : Dispute of Charge-Off Entry on Credit Report To Whom this may concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 
The inaccurate entry is as follows : XXXX Account Number : XXXX Date of XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA.

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-18
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)

Subject : Dispute of Charge-Off Account on Credit Report To Whom It May Concern, I am writing to dispute a charge-off account that is appearing on my credit report. The account in question is with XXXX XXXX, and it has been marked as charged-off. However, I have recently received a 1099-C form from XXXX XXXX  indicating that the debt has been settled. 

Despite the debt being settled and written off by the original creditor, the account is still showing a balance on my credit report. This inaccurate information is adversely affecting my credit score and financial reputation. 

Enclosed with this letter are copies of the 1099-C form and any other relevant documentation supporting the resolution of this debt. I kindly request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Failure to do so may result in legal action.

Please provide me with written confirmation once the disputed item has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of 1099-C form Any other relevant documentation
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CreditNinja Lending, LLC (TX)

On XXXX XXXX  I applied for a loan of {$500.00} which I was supposedly approved of, I never received funds and have continually contacted the company on multiple occasions. Every time I contacted the company they continued to tell me they couldnt find the account or loan Id that I was given in the signed contracts and online account/app..I have dates in which I am owed the return payments and they have yet to give me clear and precise reasoning, theyve told me the account I have is not activewhich I have a login, payment schedule, and account info and IDs for there account. Ive talked to multiple management and representatives and nobody ever calls back or fixes the issue. They tell me my account cant be found and are trying to have me run my credit again a re apply without cancelling or sending any documents stating my current account void or non active..I still havent received funds and I have tried every way to get in contact which seems to be fraud or fake. Please help me get this off my credit and close this company which has made my life very hard with all the stress and fraud!
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-19
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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)

I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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. (NY)

I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2024-05-18
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. (CA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have found fraudulent inquiries in my credit report
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account immediately.
Consumer complaint received 2024-05-18
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. (NJ)

PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 



XXXX XXXX ( Bank ) XX/XX/2022 - EQUIFAX XXXX ( Miscellaneous ) XX/XX/2022 - EQUIFAX XXXX XXXX ( Bank ) XX/XX/2022 - XXXX XXXX ( Miscellaneous ) XX/XX/2022 - XXXX
Consumer complaint received 2024-05-18
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. (MN)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.