davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1996 Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-06-27
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. (FL)

I am XXXX XXXX, and XXXX 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 2024-05-01
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. (SC)

I sent credit disputes to all XXXX credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XX/XX/XXXX I went to the Huntington bank location in XXXX XXXX Michigan. I used the atm to deposit {$320.00}. Two {$100.00} bills and 6 {$20.00} bills. The atm said it couldnt read my money and it was returning it to me. The money never came out of the machine. The atm then said Your cash was not taken in time. 
To protect your accounts, I've pulled your cash back in. 
Contact your financial institution. 

Ive contacted the bank twice to no avail. I have a video of the atm not sending my money back and the message on the screen.
Consumer complaint received 2019-02-19
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: EQUIFAX, INC. (CA)

XXXX XXXX, XXXX # XXXX My phone is XXXX Email XXXX Two XXXX XXXX Credit Cards settled closed : XXXX XXXX Card # XXXX ( First date of delinquency XX/XX/2011 ) XXXX XXXX Card # XXXX ( First date of delinquency XX/XX/2011 ) Two XXXX XXXX Credit Cards settled closed : XXXX XXXX XXXX # XXXX ( First date of delinquency XX/XX/2011 ) XXXX XXXX Card # XXXX ( First date of delinquency XX/XX/2011 ) These items are more than 7 yrs. old they should be updated and removed from my Equifax credit report See Attached documents
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NV)

On XX/XX/2023, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 

16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. 

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. 

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Consumer complaint received 2024-05-01
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. (TX)

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
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)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-13
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (MD)

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 XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-01
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-20
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. (MO)

: Note- This is not a duplicate complaint Subject : Formal Complaint Against Experian for False Credit Reporting and Antisemitism/Discrimination Violations Date : XX/XX/XXXX To the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian Credit Bureau regarding false credit reporting and potential violations of Antisemitism/Discrimination laws. My personal information and the details of the dispute are as follows : - **FTC Complaint Number XXXX XXXX XXXX XXXX XXXX*Experian Credit Bureau Account XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon reviewing my Experian Credit report on this day, I discovered inconsistencies in the reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are incorrectly marked as charge-off accounts, and, upon further investigation, I found that XXXX XXXX is also listed as a business account. I did not own any company in XXXX, and therefore, this information is inaccurate and misleading. 

I have diligently attempted to rectify this issue by filing a complaint with the Federal Trade Commission ( FTC ) against both Experian and XXXX XXXX. Despite numerous attempts to contact both entities, I have been directed back and forth without a resolution. This lack of cooperation is frustrating and appears to be a deliberate effort to avoid addressing the false reporting. 

What is particularly concerning is that this false reporting has led to a significant decrease in my credit score, despite a positive payment history and the successful resolution of many accounts, totaling hundreds of thousands of dollars. My score, which should reflect in the XXXX  based on my good payment history, has been unfairly reduced to the XXXX due to these inaccuracies. 

I strongly believe that this is not merely a case of reporting errors but a form of discrimination. As a taxpayer and citizen, I am entitled to the American success that should accompany a good credit history. However, Experian 's actions are hindering my ability to achieve this success and negatively impacting my life. 

I request the Consumer Financial Protection Bureau 's intervention to ensure consumer rights protection against this type of Antisemitism and discrimination. I trust that your agency will thoroughly investigate this matter and take appropriate actions to rectify the false reporting on my credit file. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

On XX/XX/XXXX and XXXX, after multiple unsuccessful attempts to contact a merchant, I submitted 4 total disputes about charges to my XXXX  XXXX XXXX credit card, which had been double-billed both to my XXXX and XXXX cards. A few days later, I got an alert on XXXX XXXX that my credit score had dropped by about 20 points. I checked my Experian credit report online and it showed a comment : " Account in dispute -- reported by subscriber ( fcba ). '' That's just not true -- I disputed a few charges, not the whole account. 

After many calls to XXXX in which they displayed a total inability to correct a mistake they made, I tried calling Experian. I didn't want to dispute this account through their online process because the account already is in dispute, and after much XXXX I also wasn't able to find a number to call to file a dispute. Experian 's online instructions tell you to call the number at the bottom of the credit report they send to you, which you ... have to pay for, apparently? I wasn't able to find any such option available when viewing my credit report online. This is just absolute failure, a chain made entirely out of weak links. XXXX doesn't have an option internal to their organization to resolve this error, they point you to Experian, which makes it nigh on impossible to get anything fixed.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

After being negatively affected by identity theft, I have tried several times to rectify open accounts and negatively reported information with both the creditors and credit reporting agencies to no avail. I have been sending letters with no responses from either creditors or credit reporting agencies. This has been a great strain on me personally and professionally. By not being able to attain the credit that is necessary to grow my business.
Consumer complaint received 2023-05-30
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. (NY)

XX/XX/XXXX I reached out to XXXX regarding an alleged it claiming to be old and Im on {$390.00}. I ask for full investigation and the count came back as updated and is following the FCRA requirements when it comes to reporting I disputed this again on XX/XX/XXXX for this account is still reporting inaccurately asking for a factual dispute asking that they Please provide me with the method of verification used as a collection with a past due balance is inaccurate reporting.
Consumer complaint received 2023-12-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (PA)

My landlord XXXX XXXX went into my room I rented from her stole my XXXX  drivers license. XXXX XXXX XXXX over XXXX times, XXXX XXXX police XXXX XXXX  # XXXX responded. I said my stuff was stolen while XXXX inspected my room. All XXXX  officers appeared XXXX at a time and did not arrest her. 
XXXX XXXX appeared with XXXX XXXX witnessed XXXX throwing all my food out. 

XXXX bank statements were stolen by XXXX XXXX XX/XX/2023. I didnt authorize anyone to put any credit cards-in my name XXXX XXXX XXXX XXXX at all. 
She has my social security card, XXXX birth certificate as well. I left everything when she along with XXXX # XXXX & XXXX # XXXX left me unconscious in my own blood inside XXXX XXXX XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. After a recent review, I have noticed that there are late payments inaccurately reported on my credit history. I was the victim & I'm not sure why the CRA is not complying with the law. 

I have attached supporting documents, including bank statements and payment receipts, to demonstrate that the reported late payments are erroneous. I am confident that a review of this evidence will confirm the inaccuracies and prompt the necessary corrections. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. TU have already removed this late payment from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 

I kindly request that you conduct a thorough investigation into this matter and, if appropriate, remove or correct the inaccurately reported late payments on my credit report. I understand the importance of accurate credit reporting and its impact on my financial standing. 

I appreciate your prompt attention to this matter and kindly request that you provide written confirmation of the corrections made to my credit report within [ 30 days ] from the date of this letter.
Consumer complaint received 2024-05-01
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. (NY)

The credit bureaus are still reporting the account inaccurately despite the dispute and evidence showing that the collection agency closed my account. Instead of showing it as paid in settlement and closed, the account is still listed as charged off. According to the law, the credit bureaus are obligated to report this account as closed and settled. Since this information is incorrect, I request that this account be completely removed from my credit report.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XX/XX/XXXX I want this account removed from all three credit reports for each of the following reasons. 
Reference account XXXX XXXX XXXX, account number XXXX Delete for inaccuracy because the payment history reflects the continuation of Voluntary Surrender Reports after the vehicle was repossessed in XX/XX/XXXX. 
Delete this account for violation because notice of dispute was not entered as required within 30 days from the date my first dispute was received, pursuant to section XXXX of the FCRA Delete due to inaccuracy and lack of information, such as closing date and last activity date. 
Additionally, the date updated of XX/XX/XXXX shows us that this account has never been investigated despite my claims I, XXXX XXXX, have included copies of my recent investigation report as well as copies of the credit report where the advertised account is located and the lack of interest or negligence on the part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX