davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items 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
Consumer complaint received 2024-05-20
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. (GA)

I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account, account number XXXX. Additionally, I wish to bring to your attention the illegal reporting of late payments on this account, which has significantly impacted my XXXX XXXX. 

XXXX Credit Limit and Balance : The report indicates an open balance of {$320.00} with a credit limit of {$300.00}, showing that I am using 106 % of my account 's limit. This information is incorrect. My current balance is $ [ Your Correct Balance ], and my credit limit is {$300.00}. 

XXXX. Payment History : The report shows that I have made 89 % of payments on time and lists missed payments. I have made all my payments on time except for [ specific number ] instances due to [ brief explanation, if applicable ]. Moreover, the reporting of these late payments is illegal according to 15 U.S. Code 1666 ( b ), which states that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' XXXX. Amount Past Due : The report indicates that my last payment was made on XX/XX/year>, and the amount past due is {$0.00}. However, this information does not align with my records, which show my last payment made on XX/XX/year>. 

XXXX. Dispute Resolution : The report mentions " Dispute resolved ; reported by grantor. '' I have not been informed of the resolution details, and I request a review and clarification of this statement. 

The inaccurate reporting of late payments has caused my credit score to drop between XXXX points. This is a significant and unjustified impact on my creditworthiness. 

Please find attached copies of my payment records, recent account statements, and any relevant correspondence to support my claims. I kindly request that these inaccuracies be investigated and corrected promptly, and that any references to late payments be removed in accordance with the law. 

Thank you for your attention to this matter. Please confirm receipt of this letter and provide updates on the status of my dispute.
Consumer complaint received 2024-05-20
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. (WI)

Tranunion credit report company is misusing my credit Report by Alerting others reporting companies. l hired credit spe XXXX like XXXX credit XXXX credit repair. to remove items off my account due to dispute. oCame back Of certain items. On ther accounts. information without my consent to other credit Bureau. Which tranunion on purposely made it hard for me tl can not received housing. homeless due to information being placed on my Account. Dispute.. Recently l have had more inquiries about homes rental etc I'm being Denied. Due to TransUnion reporting .. XXXX XXXX. I have build up due to makes payments on times .etc purposesly not removing items has been on my report l have proven ltems not mine. Whom do l report to regarding this situation which has effect my life tremendously. Consumer government needs fro investigation. 
TransUnion my credit account has fell XXXX within XXXX  month. .including disputes. I have attached documents sent to my XXXX XXXX alerts received information from tranunion reports. I l Haven't released any information to report to XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX OF XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX Chapter XXXX Bankruptcy Federal # XXXX XXXX OF XXXX **** XXXX XXXX Bankruptcy XXXX XXXX XXXX  FL XXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-20
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. (VA)

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 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

APPLE CARD CLAIMS I OWE A PAYMENT OR TAXES ON EITHER OF XXXX XXXX XXXX PURCHASED IN XXXX 2023. BOTH LAPTOPS WERE NON-FUNCTIONAL- THE MIGRATION ASSISTANT WAS INOPERABLE. 

FROM MULTIPLE CONVERSATIONS I HAVE HAD WITH GOLDMAN SACHS, THE ISSUE IS NOT A PRODUCT. IT IS A GOLDMAN SACHS BILLING ERROR, THE DATA OF WHICH REMAINS ON ALL XXXX  CREDIT MAJOR CREDIT REPORTS.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject XXXX Dispute of Incorrect Personal Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate personal information reported by TransUnion and XXXX on my credit reports. The information in question is misreported and must be corrected as it impacts my creditworthiness and personal records. 

Below are the specific details of the incorrect information : - **TransUnion** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to have accurate information reported in their credit files . Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

My correct personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the CFPB to investigate this matter and ensure that TransUnion and XXXX update my credit report with the correct personal information.

Please find attached copies of my identification documents and credit reports highlighting the discrepancies. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

**Subject : Demand for Deletion of Inaccurate Bankruptcy Entry** Dear Sir/Madam, I am writing to demand the immediate deletion of an inaccurate bankruptcy entry from my credit report. The details of the erroneous bankruptcy entry are as follows : XXXX XXXX XXXX XXXX Information : | Bureau | Type | Status | Date Filed/Reported | Reference # | Closing Date | Asset Amount | Court | Liability | Exempt Amount | Remarks | | -- -- -- -- | -- -- -- | -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -| -- -- -- -- -- -- | -- -- -- -- -- -- -- -| -- -- -- -- -| | TransUnion | XXXX  XXXX Bankruptcy | Discharged | XX/XX/2015 | XXXX | XX/XX/2015 | {$0.00} | U.S. Bankruptcy Court | {$0.00} | {$0.00} | - XXXX XXXX XXXX XXXX Reasons for Demand : 1. **Identity Error** : The listed bankruptcy does not belong to me. I have never filed for bankruptcy, nor have I been involved in any bankruptcy proceedings.

2. **Violation of Fair Credit Reporting Act ( FCRA ) ** : The inclusion of this inaccurate bankruptcy entry violates several provisions of the FCRA , including Sections 611, 623, and 605, which require credit reporting agencies to ensure the accuracy of the information they report. XXXX XXXX XXXX  Requested Actions : 1. **Immediate Deletion** : I demand the immediate deletion of the erroneous bankruptcy entry from all three credit bureaus : TransUnion, XXXX, and XXXX. 

2. **Notification** : Please provide written confirmation once the deletion has been completed. 

XXXX XXXX XXXX Legal Basis for Demand : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates the accuracy and fairness of information reported by credit bureaus. Inaccurate bankruptcy entries violate the FCRA 's provisions, including Sections 611, 623, and 605.

I have enclosed copies of my credit reports highlighting the inaccurate bankruptcy entry, along with any supporting documentation affirming my claim that the bankruptcy does not pertain to me. 

Thank you for your prompt attention to this matter. I expect a swift resolution and written confirmation of the deletion of the inaccurate bankruptcy entry from my credit reports. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request for Description of Verification Method To Whom It May Concern : I am writing to request the method of verification for the dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX. 
Re : 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
I am in total disagreement with your investigation response to my dispute request which issued on XX/XX/XXXX. The incorrect item ( XXXX XXXX  Bankruptcy ) which listed in my credit report still appear, even after your investigation. This is totally inaccurate account and I dont have it with other agencies ( XXXX and XXXX XXXX reports. I would like this item immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Please provide me the following information regarding the verification of the validity of XXXX XXXX Bankruptcy that you have listed : 1.The name of the original agency ( s ) that reported the item.

2.The address and telephone number of the agency ( s ).

3.The name of the person with whom the dispute was verified.

4.The documentation used to verify the dispute.

In accordance with Section 611 of the FCRA, I am requesting this information in order to review its completeness, accuracy, and appropriateness. Alternatively, you may reopen the dispute to ensure a proper investigation is conducted.

I kindly request a prompt response outlining the steps that will be taken to resolve this matter. Failure to receive a response will eave me no choice but to exercise my rights under Section 616 of the FRCA and pursue legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
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. (FL)

Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Failure to Properly Investigate Dispute in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute Equifaxs handling of my previous credit report dispute, as it appears that Equifax has failed to properly investigate my claims in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I submitted a dispute through the CFPB portal regarding the inaccuracy of a public record ( bankruptcy ) being reported on my credit report. This dispute was based on the fact that Equifax stated in a letter that they were unable to find a profile for me in their database. So, I guess I am a ghost. However, on XX/XX/2024, Equifax responded to the CFPB complaint that they have verified that the public record item is reporting correctly. Yet, Equifax continues to send various correspondence items with varying names of " XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Which is my correct name? You should have one and only one correct spelling of my name in your database. I have also provided all necessary documentation to support my claim, yet you continue to send " STALL LETTERS '' instead of properly and thoroughly investigating the inaccurate information. 

However, I have recently reviewed my credit report and found that the disputed items remain uncorrected, or no meaningful investigation has been conducted. It is clear that Equifax has either failed to take the proper steps to investigate my dispute or has not complied with the obligations set forth under the FCRA, specifically under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation into any disputed information.

I remind you that under the FCRA, you are legally obligated to thoroughly investigate disputes and correct any inaccuracies found. Failure to do so subjects Equifax to penalties, including statutory damages of up to {$1000.00} per violation. 

Given Equifaxs failure to properly investigate and rectify the errors in my credit report, I demand immediate correction of the disputed information. Additionally, I request compensation of {$1000.00} for each violation of the FCRA as permitted under the law. 

Please consider this letter as a formal complaint. I expect a response confirming the initiation of a proper investigation within the 30 days mandated by law. Should this issue not be resolved satisfactorily, I will have no choice but to escalate this matter by filing complaints with my Consumer Protection attorney and consider legal action. 

Please confirm receipt of this letter and provide me with the results of the new investigation at your earliest convenience.
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Jim Bottin Enterprises, Inc (CA)

ABC Fitness repeatedly called me before XXXX XXXX, leaving voicemails in an attempt to collect a debt. Their website for checking accounts doesn't work, the automated system for payments doesn't work over the phone either. ABC Fitness charged me twice in one month and hasn't responded to a dispute opened by my credit card company.
Consumer complaint received 2024-05-20
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)

The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 30 days late in XX/XX/XXXX, then 30 days late again the next month? You are also reporting 30 days late in XXXX after you already reported it 120 days late which is not correct. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is ceased until further investigation is completed. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the XXXX bureaus. You are to remove all late payments from this account or remove this account altogether within 21 days.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX added a line to my cell phone account that they claimed was a free line without my knowledge or consent. After I canceled my XXXX  account they continued to charge the unknown line on my account then sent it to collections without explanation.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate these accounts was in dispute within XXXX  days now these accounts in violation XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX BalanceOwed XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX
Consumer complaint received 2024-05-20
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 have filed a FTC report because my credit report shows fraudulent activity. My name is spelled incorrectly and the address listed does not match my current address. There are multiple accounts that do not belong to me listed on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I do not have any connections with these data furnishers I have never signed any agreements nor have I given consent for my non public information to be shared. 15 USC 1681i requires accurate information to be furnished and after a full investigation if these items can not be verified they shall be removed.
Consumer complaint received 2024-07-08
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: EQUIFAX, INC. (OH)

Never gave authorization for my credit to be pulled to these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX