davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MI)

I have been disputing multiple items on my credit report for an extended amount of time and have yet to be provided with any verification of alleged debt and said public record. As per the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as i requested before the end of the 30-day period. Instead, you sent me results of remaining accounts/records. It's clear you have willfully failed to modify or delete the disputed information, you willfully failed to conduct a reasonable reinvestigation of my disputes because I still currently have a collection account ( XXXX XXXX charge offs and a bankruptcy reporting on my credit report. According to FCRA sec 605b, it's illegal to report information on my credit without my permission. Also, while these items were in dispute the company failed to follow FCRA rules of cease and desist of collection and communication including through any mediums, which includes reporting to bureaus. Charge off accounts according to the IRS publications are considered income. Income isn't allowed to be reported to any credit reports ; therefore, must be deleted promptly. These collection accounts i've requested to receive actual PROOF of debt ownership, proof of my wet ink signature on contract with said debt collector, method of verification and valid right of collection. Your failure to properly investigate is an intentional and/or negligent FCRA violation XXXX For this alleged bankruptcy I have done my due diligence, by contacting the listed bankruptcy court for verification. They are not a data furnisher of this alleged bankruptcy. They have provided me a letter stating they do not report any information to any reporting agency! However, they're listed on my report as if the courts reported this information to them. I have made copies and sent this letter to all 3 credit bureaus. XXXX was the only one to delete the public record. Furthermore, I have also sent the letter to XXXX XXXXXXXX and they sent a letter notating updating and deleting the bankruptcy from my record as well. As a result of your conduct, you should promptly delete the disputed information. Since it has now been multiple disputes with no verification or valid updates. You lie to deceive your clients and ruin reputations. The reporting requirements do not comply with the FCRA 611- 15 USC 1681 and the information must be deleted immediately.
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. (NV)

I hope you are doing well. I am following up to address the ongoing issue of fraudulent items on my credit reports. Despite my previous efforts and providing substantial evidence to support my claim, these fraudulent items continue to appear on my credit report. This persistent issue not only undermines my financial credibility but also calls into question the integrity of the credit reporting system. I request a thorough investigation into these fraudulent items and immediate action to remove them from my credit report. Accurate and fair reporting is essential to maintaining the integrity of the credit reporting system. Therefore, I seek your assistance in removing these fraudulent items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion 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
Consumer complaint received 2024-07-02
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: DISCOVER BANK (TX)

I have 2 hard inquiries by Discover while I approve only one. Discover ran my credit causing a hard inquiry in my credit report before requesting all documentation needed to complete application. It is uncommon that institutions run credit on customers before having sufficient information or documentation to complete application. In addition to this, Discover denied the application stating that I did not provide all the requested documentation within the time frame defined, however there were important delays on Discover side to analyze my documentation and make a determination. All the documentation was submitted and accepted through their website platform as the channel provided by Discover for this application. Weeks later, I received a response via email that documents were not provided on time and therefore application was denied. Please provide timeline of the application process on question, including dates of submission of documentation to clarify this topic.

For additional supposed approved hard inquiries, please provide the supporting evidence of my approval to run my credit. I do want to mention that after application denial, I called multiple times as a consultation of the issue and follow up on this matter. I did not approve additional hard inquiries.
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. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
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. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AR)

I am writing this complaint because I want to ensure that Equifax is compliant with my notice of dispute. They constantly ask for unnecessary verification information that stalls the disputing process. I am exactly who I say I am. No need to consistently ask me for extra verification information.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-28
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I received a telephone scam in which the person posing as a XXXX police and prosecutor claimed that I was involved in a XXXX XXXXXXXX XXXX XXXX XXXX  and money laundering case and I needed to be repatriated to my home country. 
In order to not be extradited I needed to submit a proof of funds to the XXXX. So the other party asked me to go to the U.S. BOA bank at about XXXXXXXX XXXX EST on XX/XX/XXXX to remit XXXX XXXX dollars to the other party 's XXXX XXXX XXXX XXXX XXXX account, and to remit XXXXXXXX XXXX to the other party 's designated Industrial and XXXX XXXX XXXX XXXX XXXX XXXX  ) account through the cell phone APP of the XXXX XXXX XXXX 
I found out on the evening of XX/XX/XXXX that this is a scam, and completely lost contact with the other party.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-11-07
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. (OH)

Recently two collection companies, XXXX XXXX XXXX and XXXX XXXX XXXX appeared on my credit report with Trans Union, XXXX, and XXXX. I have never done any business or signed any contracts with these companies. Nor have I provided the companies with any written consent to use my name and other identifying information. I do not know how the companies obtained my identity information.

The companies actions have left me feeling vulnerable and violated. And my credit rating is also being damaged because to the actions. It is a Federal Crime to utilize a persons identifying information without any authority or consent.
Consumer complaint received 2024-05-27
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. (LA)

In accordance with the fair credit reporting act this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
List of 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 15 usc 1681 section 602 A states I have right to privacy 15 usc 1681 section 604 A a consumer reporting agency can not furnish a account with out my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer may make any consumer reporting containing any of the following information any other adverse items of information other than records of conviction of crimes no more then 7 years 15 usc 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate Fair resolution is : Delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion intermediate holding inc
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (PA)

My name is XXXX 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.
Consumer complaint received 2024-05-27
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. (IL)

Dear Consumer Financial Protection Bureau, Date XX/XX/XXXX I am writing to address the incorrect and continuous reporting from XXXX XXXX. My credit report shows the XXXX XXXX account ending in ( XXXX ) as 90 days late continuously despite the account being closed, in collections, or charged/ written off as of XX/XX/XXXX. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, 15 U.S.C. 1681s-2, specifically outlines the responsibilities of furnishers of information to consumer reporting agencies. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Moreover, the FCRA mandates that once a debt has been sold or transferred to a collection agency, the original creditor must accurately update the account status. Continually reporting the account as 90 days late each month after the debt has been sold, closed, in collections, or charged/ write off as of XX/XX/XXXX is inaccurate and misleading. Reporting an account as 90 days late 47 times is highly irregular and is usually a sign of misconduct or corruption within the company. 

These practices are not consistent with the standards set by the FCRA and reflect a blatant disregard for legal and ethical obligations. Repeatedly reporting false information not only violates the FCRA but could also be considered a form of harassment under broader consumer protection laws. The persistent and inaccurate reporting of my account status appears to be an attempt to coerce or harass me into making payments on this account, which is both unethical and illegal. 

Please take immediate action to correct this inaccurate reporting. Failure to comply with these requirements will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially seek legal remedies. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2023-08-28
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$84000.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2023-08-28
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$84000.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The accounts mentioned above have 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 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, 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.