davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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 am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2024-01-12
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-01-12
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC. (PA)

In XXXX I had an XXXX  that occurred in the workplace. The company I worked for terminated my workers comp, which caused me to default on my loan. I could no longer afford to pay for the car through Ally Financial. I tried to fight the decision and went through a long legal battle for nearly 2 years. The appeal was going to a higher court set for XX/XX/XXXX. 

An independent medical evaluation was utilized by my company to determine what they thought how I felt. Their terminated my XXXX based on this XXXX in XXXX of XXXX. We planned to fight this ruling ( citing unjust ), but due to Covid, we never got our turn in court. The court system did a quick review of the case and cancelled our XX/XX/XXXX date. We were unable to fight. 

I am asking for a goodwill removal of this account from my report as I did not want to turn the vehicle in, A worldwide pandemic did not allow me my day in court which caused me to not to be able to afford the vehicle. The negative reporting of this account is having a negative affect on my credit health as well as my financial health.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-12
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MI)

I will start by saying I already had issues with Ally and reported to XXXX, and some issues were resolved, but some were said they were resolved but weren't. I'll spare you the details of what was resolved but I was told that I could use my debit card on there app or website to pay but it is blocked and can't be used on either. Because of this I have to use a third party website and pay XXXX extra which I don't like but that's not my main complaint, I go to pay my bill XXXX  XX/XX/XXXX, that isn't due until the XXXX but im being charged a late fee. On the app it shows a different amount than the website as seen in attached pictures. Also I would like to state as you can probally tell I'm frustrated with this company absolutely XXXX of the worst customer services/ websitr/ app interface I have ever dealt with, nothing works as its supposed to, but that's not the worst part. If you miss your payment these guys call you the next day, if u answer they call again XXXX  to remind you of your payment. If u don't answer they keep calling. If I just don't answer the phone I will get about XXXX phone calls from these guys in about a XXXX. This is just outright harassment and I don't belive they can do that. My bill is due same time every XXXX  I don't need XXXX reminders it is very annoying and I belive there doing it on purpose because I reported them to XXXX. I also believe they purposely lied about fixing the account, they said a tech would call me in XXXX  days about it they never did, seems strange for a company that has no problem contacting XXXX times when u owe them XXXX I would like my late fees refunded, I would also like them to pay the XXXX third party fee out of there own pocket for the inconvenience although I know they wont. I also need them to unblock my bank account from there system, like I've tried to have them do XXXX times no with no help at all.
Consumer complaint received 2024-01-12
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. (NY)

Around XX/XX/2023, I was getting a few alerts regarding my credit report that accounts are being reported that I've never opened myself. I checked my credit report and noticed there were some fraudulent accounts, nonmailable addresses, and hard inquiries reporting without my consent and authorization. Immediately I contacted the credit bureaus and was told that i needed an FTC report or police report. They were no help at all. I provided that documentation via mail and the dispute results came back as " verified ''. How can fraudulent accounts come back verified when it was opened fraudulently? I requested a method of verification I still haven't received anything in the mail. I am a victim of Identity theft. I am requesting that these items be deleted and blocked from my credit report
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted all proof of payments to XXXX from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.
Consumer complaint received 2023-08-31
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXXXXXX Balance : {$270.00}.
Consumer complaint received 2024-05-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (OH)

I had auto insurance with a third-party carrier to which Ally Financial was the designated " gap insurer ''. The vehicle that was totaled in a motor vehicle accident which was mostly covered by the other insurer. Ally Financial was supposed to pay the remaining balance of the financed amount which was XXXX. Ally is now attempting to recoup this amount from me and reporting derogatory information about me to the credit reporting agencies as if they have a legitimate debt claim against me. 

I asserted that this is an attempt to defraud me, and I have previously given notice Ally Financial regarding this fact. I also demanded that they produce the original contract to substantiate their claim against me or cease and desist all debt collection activity against me. They have failed to do either, most likely because such a contract does not exist.
Consumer complaint received 2024-01-12
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. (AZ)

previous case from cfpb won case with no monetary but accounts still present on report, Per the Fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal, per 15 usc 6802. 

also remove all non mailable addresses XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX current and only address mailable is XXXX XXXX XXXX XXXX XXXX az XXXX please remove and delete from consumer report listed XXXX inaccurate information no account number listed on report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all these were requested to be removed but have not been updated
Consumer complaint received 2024-01-12
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 am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA. 

My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights. 

Additionally, I've found some inquiries that I do not authorize and third party-collections.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX BANK ACCOUNT Ending in # XXXX My bills are scheduled in my XXXX XXXX  account to make automatic payments to this account. The epayments were returned by XXXX bank with an ERROR CODEPayee Inactive OneUnited failure code XXXX which was received on MULTIPLE PAYMENT attempts. 
I did in fact NOT MAKE A LATE PAYMENT. XXXX XXXX changed account number and did not accept the electronic payments that I attempted on MULTIPLE attempts and once I was informed, I had no option but to make a paper mail out check which they did not post timely. 
XXXX has absolutely NO active customer service to speak with a representative about account issues or resolving them. I could not make a payment through the website. I was able to press a button an speak with someone in a lost/stolen department and they removed the late fee charged, but were not able to remove the negative credit post. 
The negative {$5.00} late payment was reported to the CREDIT BUREAUS. Due to this issue it has dropped my credit score 86 points which is COMPLETELY inaccurate and unfair as I have been a customer with this bank for YEARS and never had any late payment. 
I have written letters to their Customer service email and letters in the mail. I am asking for resolution of this inaccurate negative mark being removed from my credit report.
Consumer complaint received 2023-08-31
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)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

CFPB has had a data breach and our data was affected because of this. The incident is a FCRA violation. The negative items I have on my report have been updated due to the CFPB breach and that is in violation of code 1681I. I would like all negative remarks removed from my account based on this breach and violation. My personal information has been compromised and I didnt give permission for this and the company is in violation. Please remove all negative remarks from my account including late payments, missed payments, or negative debt.
Consumer complaint received 2024-01-12
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. (MI)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A states a consumer reporting agency can not furnish a accont without my written instructions.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

I am personally lodging this complaint regarding late payment entries on my credit record. During a review of my files, I identified these late payment notations. Despite having sent correspondence about this issue over 30 days ago, I have not received any response, nor has satisfactory validation been provided. I am seeking your help to address and resolve this situation promptly and effectively.