davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-15
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. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Demand for immediate action : As a victim of identity theft, I assert my rights under 15 U.S.C. 1681c-2 and 1681b. Its been 30 days ; the law requires action within 4 days.
Consumer complaint received 2023-12-23
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-12-23
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-06
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. (GA)

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

Account Name XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Spring Oaks Capital, LLC (TX)

This complaint is regarding account # XXXX with Spring Oak Capital, which claims that I owe {$4000.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-04-30
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 dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Consumer complaint received 2024-03-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (TX)

CREDIT CORP SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Acct # XXXX This complaint is regarding account # XXXX with Credit Corp Solutions , which claims that I owe {$930.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO (NY)

Popular Direct withdrew {$5000.00} from one of my accounts there and abruptly closed that account and claimed that the money went to my XXXX XXXX XXXX XXXX XXXX Account. It showed that they withrew the {$5000.00} on XX/XX/2023 but XXXX XXXX never received it and said they do not even see the transfer.
Consumer complaint received 2024-04-11
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'm submitting this statement due to a serious issue of identity theft that has detrimentally affected my credit report. Following the necessary step of filing a report with the Federal Trade Commission, in compliance with legal requirements, I'm actively working towards resolving this issue. The Fair Credit Reporting Act ( FCRA ), Section 605B, mandates that credit reporting agencies must quickly remove any entries from a consumer 's credit report that are identified in an identity theft report. For reference, my report is numbered # XXXX. Attached, you will find documents that support the removal of these inaccurately reported items. Accounts opened fraudulently, without my consent, include : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account No : XXXX - Balance : {$6900.00} XXXX XXXX XXXX  Account No : XXXX - Balance : {$0.00} XXXX XXXX Account No : XXXX - Balance : {$590.00} XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  XXXX Opened : XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), it is the responsibility of credit reporting agencies to ensure the removal of such disputed entries from the credit report within four business days following the complaint 's receipt.
Consumer complaint received 2024-08-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
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. (CA)

I'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. XXXX XXXX XXXX
Consumer complaint received 2023-12-23
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-08-01
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. (SC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-04-11
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-08-06
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. (GA)

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

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 XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 con
victions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
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. (NJ)

After asking to remove late payments, XXXX insists but cant prove any late payments. Their system showed late payments After I made a payment THEY asked for. NOW, Experian is showing a XX/XX/2023. 30 day late payment????? 
I was denied a Mortgage based on this false XXXX. 

I need a letter and all late payments removed and a statement showing XXXX was wrong. 
This is ridiculous XXXX XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 2020-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently sent certified requests to investigate information on my credit file. On, XX/XX/20, XX/XX/20 and XX/XX/20. To date the companies have failed to comply AND not done their duty as mandated by law. There actions were a generated computer response. This is my third attempt requesting them provide an investigation and verification into these accounts.
Consumer complaint received 2023-06-09
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. (TX)

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 

XXXXXXXX XXXX XXXX account # XXXX {$1400.00} XXXX  XXXX XXXX XXXX XXXX # XXXX {$26000.00} XXXX XXXX XXXX # XXXX {$34000.00} XXXX XXXX XXXX # XXXX {$390.00} XXXX XXXX  XXXX XXXX {$340.00} XXXX # XXXX {$290.00}
Consumer complaint received 2024-08-01
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)

On XX/XX/XXXX, I sent two letters, referred to hereafter as " XXXX Opt Out '' and " Request 1099-C '', to XXXX Customer Service XXXX I received confirmation that letters were received. To date, I have not received what I asked for and XXXX is still reporting information post opt-out and I have not received any requested documents from XXXX.