davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-24
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-01-24
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. (TN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2021-02-09
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2024-05-28
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: U.S. BANCORP (MA)

I have discovered XXXX ( XXXX ) credit inquiries on my credit report that I have never applied for or submitted my personal information to use. I have contacted XXXX and they are showing all XXXX of the credit inquiries. I requested that any further inquiries into my credit score to " Frozen ''. 
I have contacted XXXX XXXX and XXXX as well. XXXX XXXX and XXXX are only showing XXXX " hard inquiries '' attempted to gain a line of credit from " XXXX XXXX ''. 
Below are the XXXX known credit inquiries : XXXX XXXX  XXXX on XX/XX/year>2024 XXXX XXXX on XX/XX/year>2024 XXXX  XXXX on XX/XX/year>2024 XXXX  XXXX XXXX on XX/XX/year>2024 XXXX XXXX XXXX on XX/XX/year>2024 Again I have never applied or authorized any line of credits or inquiries for any such matter. I do not know how or who may have my personal information.
Consumer complaint received 2024-01-24
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-27
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing in response to the ongoing matter related to CFPB complaint number XXXX regarding my concerns with XXXX XXXX XXXX 

Upon receipt of the documentation provided by XXXX XXXX, it has become apparent that there are significant discrepancies between the alleged balance reported for account XXXX and the information contained in the paperwork sent to me. The balance on my credit report does not align with the documentation, raising further concerns about the accuracy of the reported information. 

Additionally, I would like to emphasize that, based on the statute of limitations in the state of Texas, this debt has been deemed uncollectible since XXXX Therefore, the continued reporting of this debt is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ). 

Given the substantial discrepancies and potential FCRA violations, I must insist on the removal of this account within the next 7 days. I have attempted to address and rectify this situation, but the disparities persist. 

To provide clarity and evidence, I will be attaching my credit report to this communication, highlighting the inconsistency in the reported balance and supporting the claim that this debt is, indeed, uncollectible. 

I trust that your prompt attention to this matter will lead to a swift resolution. However, if the account is not removed within the specified timeframe, I regrettably inform you that I will have no choice but to pursue legal action to seek both compensation and justice for the violations incurred. It is public knowledge that XXXX XXXX has been involved in numerous lawsuits related to failing to truthfully report to the credit reporting agencies payments made by consumers, accurate account balances, or consumer disputes of false reporting. The credit bureau furnishing this incorrect information will also be included in the lawsuit.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (FL)

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 : ACCOUNT # XXXX ; XXXX  : ACCOUNT # XXXX & # XXXX ; XXXX  : ACCOUNT # XXXX ; XXXX XXXX : ACCOUNT XXXX XXXX & # XXXX ; XXXX  : ACCOUNT # XXXX ; XXXX : ACCOUNT # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (OH)

This is an account that was closed in XXXX to XXXX.XX/XX/XXXXrep didnt close the account, the account was sent to collections-XX/XX/XXXX I received verification from XXXX that it should be removed from my credit report. I sent the debt collector the e-mail but they will still not remove from my credit.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My First & Last name are as follows : XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX, GA XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & Last name are as follows : XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX, GA XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

My current address is : XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK (FL)

This company is violating My consumer right to privacy pursuant to XXXX XXXX XXXX. Company has no permission to report my information, per XXXX XXXX XXXX 

I asked for the original contract from the collection agency with my signature, never received it.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

I spoke to Ally bank today stating that my account will be closed due to dispute transaction which they said that I falsely reported after my account being restricted due to XXXX transactions. I filed a dispute for a transaction that I did but never received the item. The representative that I spoke today said that I shouldn't be doing it since I made the transactions and deal with the merchant. He said that theres nothing ally can do with it. I told them that after talking to the merchant and the merchant is not willing to cooperate, the last thing to do is to report it yo the issuing bank which i did. I told them that I also receive a letter asking for information like when did i contact the merchant etc. they have been holding my paycheck and now since they are closing my account for a certain transaction that they misunderstood, i a bound to have no money until they resolve it which i don't know when.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am trying to make a consumer credit transaction. TRANSUNION is reporting inaccurate information on my consumer report. This includes inaccurate addresses and inaccurate variations of my name. I am having difficulties getting approved for credit due to damaging information on my report. 

According to the FCRA 15 USC 1681 I have the right to a fair and accurate report. I have made TRANSUNION aware of the inaccuracies and by law they need to correct and update it.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (NC)

Just got credit report cleared. Company has filed another delinquent in XX/XX/23. Car has been paid off for over a year. They just cleared the last delinquent and they have filed another. Fixing to seek legal action
Consumer complaint received 2019-11-05
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. (KS)

Settlement paid to XXXX XXXX to settle charged off account. All three credit bureaus refuse to update reporting and blame XXXX  XXXX for inaccurate reporting. 

All the three credit bureaus show balances of {$1400.00} when it should reflect a {$0.00} balance. 

XXXX XXXX has confirmed on their end that balance was settled.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I trust this letter finds you amidst a sense of urgency and accountability for the glaring violations of the Fair Credit Reporting Act ( FCRA ) that persist in my consumer report. Despite my previous disputes sent to TransUnion, XXXX, and XXXX, detailing inaccuracies and blatant violations, it has been over 30 days, and your agencies have failed to respond. 

Enclosed are copies of all previous dispute letters for your perusal, reiterating the discrepancies and violations that have tarnished my credit report. Under the FCRA, it is imperative that every detail reported is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) underscore the obligation of consumer reporting agencies to ensure precision, a duty that remains unfulfilled in this case.

I demand an immediate and thorough investigation into these matters. Failure to address and rectify these violations within a reasonable timeframe will leave me with no option but to pursue legal remedies available to me under the FCRA. 

I expect your swift attention to this matter and a resolution that upholds the integrity of the credit reporting system.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-08
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
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. (SC)

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 XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 2024-01-24
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. (OH)

On XX/XX/XXXX, XXXX. I called all XXXX, XXXX, and Trans Union. In order to dispute 21 hard inquiries on my credit report. Back in XXXX of XXXX. I applied for a car loan. And I asked the the dealership To only run my credit one time. And here are months later I have 21 XXXX inquires. 

When I explain to the bureaus the situation. They told me that, They couldnt remove the inquiries. After I explained to them that I did not give consent to run my credit that many times.
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WorldRemit Corp. (MI)

On Monday XX/XX/2021, I initiated a transfer of {$350.00} to the XXXX XXXX with WorldRemit. Their website promised a hassle-free transfer process with low costs, and I took them at their word. 

Right after I initiated the transfer, WorldRemit withdrew funds from my account, without indicating that any additional requirements should be met before the transfer is completed. 

About two hours after WorldRemit  withdrew money from my account, I received an email asking to verify who I was, and the purpose of the transfer. I immediately responded with answers to their questions. 

Nothing else happened on Monday -- despite the company 's promise that transfers should happen on the same day. 

I called today Tuesday XX/XX/XXXX, to ask for a status update -- and after a long delay of several hours, was to told I have to provide a selfie photo via email. 

I called to express displeasure about the delay ... and the additional request for documentation which was NOT made clear on the website where I initiated a transfer. About XXXX EST today, WorldRemit sent another email asking for a photo-selfie, and my national passport. 

I feel that I was unduly targeted for additional review by WorldRemit and would want to know if others have reported such behavior. 

When I said as much and asked for the transfer to be canceled, I was told they can not return my money for another 7 days. 

This should be illegal. They can take my money within minutes without properly disclosing what is needed to complete a transfer, but they can not return the money for 7 days?
Consumer complaint received 2022-12-20
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. (KS)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-01-24
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. (MS)

I urgently request that you promptly eradicate the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to address this error without delay.
Consumer complaint received 2024-01-24
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. (CA)

I opened a credit card with XXXX XXXX XXXX in XXXX of XXXX. 
This company since the beginning has neglected to report accurate information to the credit bureaus since the very beginning, often times inflating my balance and not reporting accurate available credit lines. 
Today, I spent almost three hours on the phone with TransUnion because XXXX XXXX XXXX  is claiming that as of XX/XX/XXXXXXXX I had a balance of {$880.00} with a payment of {$45.00} per month. 
This information is inaccurate as shown on my banks statement which I have included as evidence in this report. 
This company has not reported accurate information to XXXX or XXXX either.