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 — Account status incorrect
Company: EQUIFAX, INC. (IL)

According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to XXXX  for each incorrect entry.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I was Trying to get a XXXX XXXX when I realized I had damage on my credit report which ended up causing me major issues. Also According to 15 U.S.C. 1681 there should not be any damages on my report as it is a defamation of my character. And it is impeding my progress in life and putting major undue stress and hindering my pursuit of life, liberty and happiness. They have done absolutely nothing to help and are currently breaking the law.
Consumer complaint received 2024-05-06
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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (OR)

On XX/XX/XXXX I disputed a transaction because the merchant advised me to BC they could not refund me without a physical card. They never sent me a physical card. I used XXXX XXXX with my virtual card. The merchant said he wouldnt fight the dispute and would ask them to cancel the transaction. Once I disputed the transaction they said I would receive my provisional credit XX/XX/XXXX. I still havent received my provisional credit. Its not the XXXX and Im going to lose my house. I need my money back. I cant reach anyone and when I do, they say they have escalate the issue and I will be contacted by email momentarily .... its been days and no one has emailed me. I feel like they have stolen my money!!!
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards. 
XXXX XXXX  XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$230.00} Account Status CHARGE_OFF Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Balance Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX {$230.00} XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$31.00} {$48.00} XXXX XXXX Actual Payment XXXX XXXX | XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your XXXX Credit Report. 
Report Date XXXX XXXX, XXXX Credit File Status No fraud indicator on file Alert Contacts XXXX Records Found Average Account Age 3 Years, 1 Month Length of Credit History 6 Years, 2 Months Accounts with Negative Information 10 Oldest Account XXXX XXXX ( Opened XX/XX/XXXX ) Most Recent Account XXXX ( Opened XX/XX/XXXX ) Credit Accounts Your credit report includes information about activity on your credit accounts that may affect your credit score and rating. 
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment Revolving XXXX XXXX {$0.00} {$3300.00} {$3300.00} 0.0 % {$0.00} Mortgage Installment XXXX XXXX Other XXXX XXXX Total XXXX XXXX {$0.00} {$3300.00} {$3300.00} 0.0 % {$0.00} Other Items Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating. 
Consumer Statements XXXX Statements Found Personal Information 5 Items Found Inquiries 37 Inquiries Found Most Recent Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Public Records XXXX Records Found Collections XXXX Collections Found XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-08-17
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-01-22
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)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY.

Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-06
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. (MD)

I just recently looked at my credit report and I saw some hard inquiries that did nor have PERMISSIBLE PURPOSE. I also attached evidence. 

Lists of unauthorized inquiries that dont have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024
Consumer complaint received 2024-01-22
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. (AR)

I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the continuous presence of fraudulent items on my credit report, despite my persistent efforts to rectify this issue. The repeated lack of resolution has had a profound impact on my financial stability and has caused considerable distress. 

The fraudulent items, associated with account, were first reported to your agency. Since then, I have diligently followed your established procedures for disputing fraudulent activity, providing all necessary documentation, including police reports, affidavits, and supporting evidence to demonstrate the fraudulent nature of these entries. 

Despite my numerous attempts to rectify this situation, each met with cooperation on my part and compliance with your agency 's requirements, the fraudulent items persist on my credit report. I have made multiple submissions and engaged in numerous communications with your agency, yet the issue remains unresolved, causing ongoing harm to my creditworthiness. 

I am formally requesting the following actions be taken immediately : A comprehensive and thorough reevaluation of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my numerous attempts to rectify the situation, is both frustrating and damaging to my financial standing. 

Failure to address this matter within the exact timeframe from the date of this letter XXXX leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit 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
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked into my credit report and saw several inaccuracies. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to insure the maximum accuracy of the information concerning the person about whom the report relates. Also, there's a violation of 15 U.S Code 1681i ( 5 ) TREATMENT OF INACCURATE INFORMATION ( A ) Please remove the following from said credit report immediately. 
XXXX XXXX XXXX and XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2024-01-22
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
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 2023-03-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years. 
They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.
Consumer complaint received 2024-05-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX has violated my rights15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2024-01-22
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. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress.

Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it.

The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated.

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score.

A written confirmation of the resolution, including the date when the correction was made.

An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner.

I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report.

If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities.

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. 

I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX Balance Owed : {$12000.00}.
Consumer complaint received 2024-05-06
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. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX  Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-01-22
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)

I am submitting another complaint to inform you that I have fallen victim to identity theft. I visited the FEDERAL TRADE COMMISSION website https : //www.ftc.gov again and filed an identity theft report. Per FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate any items listed on an identity theft report, specifically under my reference # XXXX. Please find the attached documents to aid in the removal of inaccurate information that is currently being reported on my credit reports. The following is a list of inquiries and an inaccurate address that do not belong to me or were opened without my permission : 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 XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), Credit Reporting Agencies shall remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-22
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.