davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my concern regarding the inaccurate and incomplete credit information that is currently listed on my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes, in accordance with FCRA 15 USC 1681. I respectfully dispute the following items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-12
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. (IN)

I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2019-04-29
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. (FL)

The collection agency Midland Credit Managment ( original creditor was XXXX XXXX ) send me a letter today stating that they will sue me, and take legal action towards a collection account. However, this account was deleted from my credit report on the three creditors : XXXX, XXXX and XXXX since the account met the requirements from FCRA. The account was opened in XX/XX/2014 according to their records and the amount owed is {$2000.00}. I called them immediately to resolved the issue and they kept accusing me and harrasing me.
Consumer complaint received 2024-06-05
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-04-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (TX)

About 4 years ago I went to get a personal loan to help my mother out I was declined for the loan a couple weeks later they called me back and approved me for a loan. I lost my job that same week after that unfortunately so I could not pay the debt it has since now been sent to collections and charged off and is impacting my credit score I have went to the place of business to try and resolve this situation and was informed it had been sent to collections a long time ago and there is nothing they can do now. I would like to get the derogatory mark removed from my credit score and get this situation taken care of and or fixed but do not know how. I would like to have it removed or settle something or make arrangements to fix this situation on my credit report thank you.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-12-12
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)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-12-12
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 appreciate the time you have taken to address the removal of certain fraudulent items from my file stemming from an alleged identity theft. However, there are still remaining ACCOUNTS that require attention. This marks my third complaint as a victim of identity theft, and I am disputing specific accounts in my file linked to this crime. The disputed accounts are unrelated to any transactions involving the acquisition of goods, services, or money authorized by me. Enclosed with this complaint is my FTC report # XXXX. Kindly proceed with the removal of these accounts from my credit file associated with the alleged 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 Balance : {$920.00}. These accounts are unfamiliar to me. Additionally, the information provided on these accounts has already been DELETED from other bureaus, raising doubts about their accuracy and the reported payment history within my credit file.
Consumer complaint received 2019-04-29
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: WELLS FARGO & COMPANY (CA)

In 2017 I had a Wells Fargo Checking Account XXXX. I was a victim of fraud with a XXXX scam where I was sent a check from a third party and deposited it into my bank account believing it was valid. The check cleared and I was able to use the funds as instructed by the XXXX scammer. At a later date it was discovered the funds were insufficient. I notified Wells Fargo of the scam and Wells Fargo closed my account immediately. I believed the matter was resolved and that I would not be held accountable for the scam/fraud. 
I recently tried to obtain a new bank account and was informed that Wells Fargo is reporting that I have an unpaid account with them for {$610.00} including a {$240.00} reversal fee. I would like this matter investigated and resolved.
Consumer complaint received 2023-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

i was scammed through a person on XXXX by the time i realized it. i tried to contact zelle and but it was on non office hours so i wanted until morning. i contacted XXXX XXXX and they said they werent able to get the funds back because it was through zelle. zelle is letting scammers get a way with it. we should be able to dispute this transaction
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please help me... Back on XX/XX/ i obtained my credit report and noticed i had some inaccurate items being illegally reported on my credit report. I sent off dispute letters to the 3 credit bureaus asking them to do a thorough investigation and verify these items were mine. That responded a little over a month later saying after their investigation that the items very accurate. I sent off another letter XX/XX/ asking them to priovide me with what METHOD OF VERIFICATION did they use to obtain this information and verify that these items are mine. I ask them to provide me with the contracts with my signatures showing proof that these items were mine and that if they couldnt provide me with what method of verification, contracts and my written signatures, to please delete the inaccurate items that are being reported on my credit report.. 
To this day, XX/XX/ they have yet to not only reply to my request for what METHOD OF VERIFICATION they used to determine that these items are mine, but also have failed in the timely matter according to the FCRA to respond and provide me with the appropriate documents. Please check into this. They have made my life a living XXXX. I have been denied credit because of the inaccurate repoortings on my report.Because they have failed in the appropriate time frame to provide me with the METHOD OF VERIFICATION they used in their investigation and copies of my signatures and contracts, i recommend these items be deleted immediately. Thank you. XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I put my house in forbearance when the company got my account and i took it out of forbearance in XXXX, the paperwork was finalized and I made my first payment in XXXX. I have been trying to get a home equity loan or a cash out - refinance but XXXX cant because the company marked my payment in XXXX as late on my credit report. Even though, I never had a payment in XXXX. Multiple companies I have spoken to told me that when you take your house out of forbearance there shouldnt have been a late payment. When I spoke to my loan officer about it, they were XXXX  and told me there was nothing they could do about it and it wasnt their problem.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite my persistent efforts, this agency has failed to properly investigate and correct this error. The inaccurate information has had a significant adverse impact on my creditworthiness, leading to negative consequences, such as being denied credit, facing higher interest rates, and unable to secure housing due to this negligence. This matter has been brought to this company 's attention over the past several months. I have sent in over XXXX different letters starting from XX/XX/XXXX up until the present day making this company aware of this inaccurate reporting. I read somewhere that I am entitled to a fair and accurate credit report. Now, I am no lawyer but I have done a little research, and it appears that based on the Fair and Accurate Transactions Act that violations are done when organizations fail to comply with its requirements. In fact, based on what I read, section XXXX explains that violations tend to occur after a consumer bring the inaccuracy to the agency, such as XXXX, XXXX, and Transunion attention but they fail to correct the inaccuracies after receiving a dispute from the actual consumer. Well, this matter has been brought to Transunion attention on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently XX/XX/XXXX Now, once again, I am definitely no lawyer, but I do have common sense. I have sent this agency letter after letter making them aware of this inaccurate reporting. None of the bureaus have the same information. So, how can information be accurate if the same account that is being reported is being reported with different information. Once bureau is reporting an open account while the other is reporting a close account. One bureau is reporting a 120 days late while the other bureau is reporting a collection/charge off for the same account. Does this sound like accurate reporting to you? I am requesting that the following accounts are deleted immediately due to inaccurate reporting and due to the violations that the credit bureaus has participated in by neglecting to correct the information. 

XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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. (DE)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-05
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. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-19
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. (NC)

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXXXXXX and contains erroneous details that do not reflect my financial history accurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. 
Open Status : This account is not supposed to be listed as " open ''. This account is inaccurately listed as such. 
Payment status : This account is reporting as " Missed Payment '' on my report. 
No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information.

I urge you to take the following actions promptly : Investigate the inaccurate information. 
Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 
Correct my credit report accordingly and provide me with an updated copy. 
I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Consumer complaint received 2024-06-05
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. (CA)

I WAS NEVER GIVEN THE OPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED WITH A THRID PARTY AGENCY. THEREFORE, MY INFORMATION SHOULD NEVER HAVE BEEN SHARED. I AM REQUESTING PROOF THAT I WAS GIVEN THE OPPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED. THIS LAW IS CLEARY DEFINED BELOW : ACCOUNT IN QUESTION : XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information NOT BE disclosed to such third party ; and ( C ) The consumer is explained how the consumer can exercise that nondisclosure option. 

A. XXXX AUTO DID NOT disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. 

B. XXXX AUTO DID NOT give me an opportunity to direct such information not be disclosed. 

C. XXXX AUTO DID NOT give me, the consumer, an explanation of how I could exercise the non-disclosure option. 

The law basically states if ALL XXXX of these disclosures were not provided to me that this is a direct violation of the law and I have the right to exercise OPTING OUT. 

ALL these XXXX disclosures were NOT MET, therefore, I am demanding to OPT OUT of having my information reported and demanding the reporting information to be UPDATE TO PAID AS AGREED on my TransUnion and XXXX XXXX report OR I will seek to take legal action against your agency for willfully violating the law after I've clearly explained to you how you've violated me. MULTIPLE VIOLATIONS of 15 USC 1681nXXXX willful non-compliance is well in play here, {$1000.00} per instance of implied damages and much more for actual damages as clearly outlined within the title.
Consumer complaint received 2023-08-04
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. (IL)

The account of XXXX XXXX is not reflecting consistent or accurate information. I have advised the bureaus, cfpb and the XXXX and this account is still reflecting inaccurately on my credit files. 
Dates, are wrong and or incorrect, reported dates inaccurate, late payments inaccurate. There are many inaccurate items. 
There is also a new inquiry from XXXX XXXX that is unauthorized. I have not granted any permission to run my credit for a student loan.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One offered balance transfer at zero percent interest for 18 months. I made my minimum payment required every month. I checked my statement each month to see if the zero percent interest was expiring and there was no information on my statement that the promotional rate was expiring and the balance would need to be paid in full to avoid interest. I called the company and they would not remove the interest stating they did not have to provide that information on my statement. I paid the balance in full and closed my account that day. I believe this to be a deceptive business practice.