davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PR)

Hi, my name is XXXX XXXX a XXXX XXXX guy. 

The reality is that these companies take advantage of the ingenuity and youth to be offering you credit cards every time you go to pay I remember that whenever you go to pay they tell you that you have a discount if you apply to the card, cards that when you are studying clearly in this he is studying to get into debt and then damage your credit for the future for this reason these debts that I have in collection are from credit cards since my car pays it daily, clearly these cards wanted to harm my future and they did so now I am XXXX I would like to restore my future and I want them to investigate the practice they did when I was younger to persuade me and profit from it.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really frustrated because my credit report has wrong info like my address, phone number, and employment details. I've tried multiple times to get this fixed, but nothing has changed. This needs to be corrected immediately. I requested the credit bureaus ( Equifax, XXXX, and XXXX ) to correct the following inaccurate personal information on my credit report : Incorrect Address : Reported Address : All others are incorrect Correct Address : XXXX XXXX XXXX XXXX, TX XXXX Incorrect Phone Number : Reported Phone Number : All others are incorrect Correct Phone Number : XXXX Incorrect Employment Information : Reported Employer : All others are incorrect Correct Employer : No current employer Other Personal Information : Incorrect : All others are incorrect Correct Name and Date of Birth : XXXX XXXX XXXX XXXX, XXXX : XXXX Despite providing the credit bureaus with multiple dispute letters and supporting documents such as copies of my state ID, utility bill, social security card, and bank statement to verify my correct personal information, they have failed to correct these inaccuracies. These errors are negatively impacting my credit profile and causing significant inconvenience. I am seeking immediate correction of these inaccuracies and a confirmation of the changes made to my credit report. The credit bureaus have failed to correct inaccurate information and are violating provisions under the Fair Credit Reporting Act ( FCRA ). Such as : 1. Section 1681e ( b ) : Duty to Ensure Accuracy 2. Section 1681i ( a ) : Dispute Procedure 3. Section 1681i ( c ) : Notification of Deletion or Correction 4. Section 1681i ( d ) : Statement of Dispute 5. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) 6. Failure to Properly Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) 7. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( c ) ) 8. Failure to Include a Statement of Dispute ( 15 U.S.C. 1681i ( d ) ) The credit bureaus are currently in violation of the Fair Credit Reporting Act ( FCRA ) and I request that this matter be fixed immediately due to the above violations.
Consumer complaint received 2024-05-29
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)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ensuring timely payments on this account has always been my priority, never letting it become overdue. I don't understand the late payment reports on my accounts. Per 15 USC 1666b, this billing error should be corrected.
Consumer complaint received 2024-07-22
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. (CO)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-29
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. (WI)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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)

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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

My name is 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 reportsno consent is fraud. Remove these accounts on my credit file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-28
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. (TX)

Equifax is in violation for reinserting account XXXX  back on my credit report when the company admitted that this account was unverified. In the CFPB complaint XXXX, XXXX XXXX XXXX XXXX XXXX stated that an investigation was done, and they closed the XXXX account . They also ceased all communications regarding collection of the XXXX account and requested that the consumer reporting agencies remove the tradeline for the account from my consumer reports. XXXX and XXXX have since removed this inaccurate account, but Equifax is still reporting this account. Please see the correspondence from the company and remove this account from my credit report or I will have no choice but to take legal action against Equifax.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

A " Hard Inquirty '' was made on my credit on XX/XX/year> by XXXX XXXX. I did not request or authorize this and I would like it remove. In trying to dispute this with TransUnion, they say the only way they will allow me to do so is by Mail. This is total BS. It's XXXX I need to be able to do this online or this company can go under. It's absurd. What can I send that I can't attest to online? The other credit bureaus have already removed this fraudulent inquiry. TransUnion needs to do the same.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

OnXX/XX/XXXX - connecting flight through XXXX- purchased small magnet and wooden doll - asked sales clerk who spoke perfect XXXX about the price - $ XXXXUSD - gave credit card and handed sales slip written in XXXX with the amount of XXXX rubles - upon return home, discovered a charge of {$340.00}, not {$40.00}. Disputed charge onXX/XX/XXXXand XX/XX/XXXX to Bank of America ( Case # XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) and received reply that ... '' By giving account number to merchant and/or signing sales slip, ( I ) authorized them to bill account for the amount in question. '' Bank of America failed to investigate my claim, failed to hold back the charge while they investigated the matter and on XX/XX/XXXX ( XXXX PST ) spoke to Customer Rep. XXXX XXXX  in Tennessee who said there was nothing they could do, even though this unauthorized charge violates the Fair Credit Billing Act and Bank of America refuses to do their job.
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I provided BoA with a copy of the sales slip -- -and this obviously is not the first time it 's happened to unsuspecting tourists. Sadly, BoA refuses to abide by the Truth In Lending Act and should be sanctioned for failure to follow the law.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
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)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2024-05-29
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. (MI)

My understanding is that FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-05-28
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. (TX)

I have recently checked my report and found an account that did not belong, I submitted a dispute on this account with TransUnion on XX/XX/2024 and still have not received any response.
Consumer complaint received 2024-08-21
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. (FL)

XXXX XXXX account number XXXX opened XX/XX/year> amount of {$8200.00} is a fraudulent account related to identity theft and needs removed and blocked according to FCRA 605B ( 15 U.S.C. 1681c-2 )
Consumer complaint received 2024-05-28
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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-29
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)

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

I told XXXX, Transunion, and XXXX to reinvestigate & REMOVE these Fraudualent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate XXXX and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Consumer complaint received 2024-05-28
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. (NC)

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. I do not have a record of doing business with these companies. 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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-08-28
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)

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX.