davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, 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. (NC)

XXXX and Experian is breaking the law according to FCRA section 623 ( a ) ( 5 ) and I need my inquiries removed as soon as possible please. FYI XXXX delete it the same inquiries.
Consumer complaint received 2024-05-14
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (OK)

I took a loan out in XX/XX/XXXX from CareCredit to pay for my Invisalign at my dentist in XXXX Oklahoma. I had two year to pay off or I would be charged interest on the {$5400.00} I got the loan for. Well XX/XX/XXXX comes around and I didnt pay it off so I shouldve got charged interest of {$1400.00} ( which is the interest rate at 26.99 % of {$5400.00} ) Instead Im getting charged a total interest of {$2900.00}. They told me that Im getting charged from the beginning of my loan a daily interest charge on top of that which makes no sense! Thats is 45 % of the amount I paid for my XXXX!! They kept telling me that they got that amount on daily percentage rate but my loan was supposed to be fixed at me paying 26.99 % on my {$5400.00} loan if I didnt pay it off in two years!!!! Im am so mad and Ive called twice for them to say there is nothing I can do!
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (NY)

CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$41000.00} Balance updated XXXX XXXX, XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Family Support Status Collection account. {$41000.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$41000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Contact info Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Consumer complaint received 2024-08-25
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. (NJ)

This is the law you use! Send this to XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 

XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KY)

On XX/XX/year> I mailed a dispute letter to Equifax, I included my Equifax confirmation # and my current IDs. A social security card, recent XXXX XXXX XXXX XXXX and XXXX confirmation of my address. I believe I have done everything correctly. XXXX XXXX XXXX accepted the exact same IDs and have processed my dispute letters. 

On XX/XX/year> I receive a letter from Equifax, telling me the documents are illegible? 
Are you kidding me? This is a STALL TACTIC to avoid processing my dispute letter. I have read all about Equifax doing this on the internet! 

You tell me if my IDs clear, enlarged, legible and recent. I demand Equifax process my original dispute letter immediately.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, 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. (WI)

As I looked on my consumer report I noticed some inquires that werent authorized. I have mailed out this letter attached with all the inquires that werent authorized. By 15 U.S.C 1681b ( c ) permissible purpose. Immediately remove these inquires as they have cause damage to my consumer file and has delayed in my family and I to obtain goods.
Consumer complaint received 2023-04-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, my wife and I met with XXXX XXXX a XXXX XXXX representative who has promised to have Solar and new roofing for a total cost of {$58000.00} with XXXX refund of {$940.00}, a FEDERAL Refund of {$15000.00}, a STATE Refund {$5000.00}. and NYC Refund {$11000.00} with a NET Cost of {$26000.00} at a rate of 3.99 % with a Term of 24 Years. 

XXXX XXXX proceeded with the qualification by pulling my XXXX Credit Score and the next thing was an email from Enerbank saying that I was eligible for a financing amount of up to {$120000.00}. That was the end of our meeting. No application or contract was signed that day. He only asked for my Social Security. 

Now EnerBankUSA quoted the interest@ 4.99 % with no payment term and if payment is not made in full by XX/XX/XXXX the amount will be increased I have told them clearly that there's no way that I will pay it in full. 

Please help. 

Thank you and after and our only cost will be
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-14
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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (NJ)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX DEPT OFEDUCATION/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon checking my credit report, I noticed it was showing a closed account from XXXX XXXX XXXX  showing me as a authorized user on a credit card, I have never had, used, or possessed a XXXX XXXXXXXX credit card, I have never authorized anyone to add me to their credit card, and have never spoken to XXXX XXXX XXXX asking to be added as an authorized use.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2024-05-14
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. (IN)

Subject : Lack of Response from Transunion Regarding Section 609 Dispute. 
To whom it may concern, I talked to a representative of Transunion on XX/XX/2024 regarding disputed accounts on my credit file. The representative said that Transunion had received the required documents I have sent in to remove the disputed accounts. I called back on XXXX XXXX to make sure Transunion kept their word, it never happened. I am expressing my concern regarding the lack of response I have received from Transunion regarding disputed accounts I have filed under the provisions of Section 609 of the FCRA. I submitted a formal dispute to Transunion, exercising my rights. Under Section 609, it stipulates that the credit reporting agencies must provide a detailed verification of the accuracy of the information they report within 30 days of receiving dispute. However, since my last initial submission, I have not received any documentation regarding my dispute. Giving the significance of Section 609 in protecting consumer rights and ensuring accurate credit reporting, I find this deeply concerning. It is imperative that the credit Bureaus fulfill their obligations under the law by promptly responding to disputes in a timely manner. I did not receive a written response response within the reasonable time frame concerning the actions taken in response to my disputes. I am well aware of my consumer rights and will not hesitate to pursue further action including filing a complaint with my State Congress. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (NE)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-14
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)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2024-05-14
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. (NY)

I recently reviewed my credit and notice an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies needs to report all information with complete accuracy. This account has not been late on payments, I've attached of my credit report to this complaint on the following dates ( XX/XX/scrub>/2024 ) I am now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-14
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. (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies acting fairly, impartially, and respecting consumers privacy rights. XXXX and XXXX fall into this category, and as a consumer, I have the right to protect my private information. The FCRA ( 15 USC 6801 ) also places an obligation on financial institutions to safeguard customer privacy and confidentiality. 

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only provide consumer reports with the written consent of the consumer. Neither XXXX nor XXXX, nor the entities furnishing information to credit agencies, have obtained my consentwhether verbal, written, or implied. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their right to prevent the disclosure of nonpublic personal information to third parties. However, I was never informed of this option by the entity providing information to credit agencies.

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. XXXX and XXXX compliance with this provision is questionable. Similarly, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. Unfortunately, it appears that XXXX and XXXX may not be fulfilling this requirement. 

In summary, XXXX and XXXX actions appear to violate various provisions of the Fair Credit Reporting Act and related regulations. As a result, I am opting out of their reporting services.
Consumer complaint received 2023-05-04
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. (VA)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

THESE ACCOUNTS I HAVE BEEN CONTACTING YOU ALL ABOUT DOING investigations ON, THE COMPANIES FAILED TO SEND ME SIGNED DOCUMENTS OF THE DEBT THAT I DO NOT OWE, I recently WENT THROUGH identity THEFT AND BY LAW IF ANYTHING ON MY CREDIT REPORT IS WRONG MUST COME OFF. I SENT OUT THESE LETTERS IN DETAIL ON WHAT IS GOING ON. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (ME)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$41000.00} Balance updated XXXX XXXX, XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Family Support Status Collection account. {$41000.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$41000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER!!!!!