davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$6200.00} Account Number : XXXX Party Owed : XXXX XXXX  Amount : {$500.00} Account Number : XXXX Party Owed : XXXX Amount : {$2000.00} Account Number : XXXX I am disputing this claim due to. I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1661 b. The Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly conunit fraud and cause harm to consumers. 

This is the official request to have the aforementioned item to be deleted off a credit report. 
Enclosed may be additional evidence to support my claim Sincerely, By XXXX XXXX
Consumer complaint received 2024-01-15
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. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADIR INTERNATIONAL LLC (CA)

Curacao kept my account open for negative credit reporting. Even after I had paid the account off in full. during covid i had ordered a cell phone which i returned late due to my product was sent to the wrong address. I explained to them what happen and then they closed the account so that I could not use the credit card. However I just found out that they continued to keep the account active for only negative reporting. Even after I paid it off completely.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX 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 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

XXXX, Equifax and XXXX are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Consumer complaint received 2024-01-15
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. (TX)

hello on XX/XX/23 i sent transunion information regarding collection inforamtion they reported to my credit. It has been over 30 days and i have yet to get any information regarding this matter. I know by law they have to process my request but seems as if they are refusing to do so.
Consumer complaint received 2024-04-10
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-15
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)

Transunion is not following any of the laws and I'm going to file a personal law suit suit!!! I've asked Transunion numerous times to take this account off my credit report XXXX ( as the same account as XXXX 's which they removed and left the XXXX and it's the same company same fraudulent account that was open I sent police report FTC report and they removed XXXX 's and not XXXX! I need them to removed this off my credit report!! Send the ORGINAL address were the fraudlent account was open does not belong to me and it's not on my credit report or drivers liscence I have not seen the original signed aggrement. I need to get this item removed
Consumer complaint received 2024-04-10
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (FL)

I am writing to file a formal complaint against TransUnion due to unresolved inaccuracies on my credit report, coupled with an unjust refusal to investigate legitimate consumer disputes. The CFPB needs to investigate TransUnion for its unfair and deceptive practices. 

The following are errors that remain unresolved on my credit report : 1. Public Record ( Reference Number : XXXX ) : TransUnion previously responded with a claim of verification through " XXXX XXXX XXXX FLORIDA. '' However, TransUnion, as of XXXX XXXX XXXX, obtains bankruptcy information from a third-party vendor, XXXX. Upon contacting XXXX on XX/XX/XXXX, I received a response dated XXXX  with a Notice of Bankruptcy Case Filing that does not accurately match my name and truncated social security number. This public record is not verifiable and must be removed from my credit report. Attached : Copy of XXXX 's response for your review. 

2. XXXX XXXX Accounts ( Account Number : XXXX ) : ** Two accounts under XXXX XXXX are not reporting accurate or complete information. One account shows a last activity date oXXXX XXXX no date of last payment, and an inconsistent payment history. The other account, open since XX/XX/XXXX, does not report any payments made, which is inaccurate and incomplete. Both accounts need to be removed from my credit report. Attached : Response from XXXX XXXX XXXX received on XX/XX/XXXX. 

3. XXXX XXXX XXXX Account ( Account Number : XXXX ) : Despite previous disputes and a complaint filed with the CFPB, this account is not reporting accurate or complete information. TransUnion has not provided investigation results. The CFPB suggested contacting the XXXX XXXX XXXX XXXX, but no contact information was provided. This makes the reported information unverifiable. Attached : Copy of the response from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX Account ( Account Number : XXXX ) : Despite evidence provided by XXXX XXXX XXXX confirming the account 's full payment as of XX/XX/XXXX, TransUnion has not updated its information. This account needs to be removed from my credit report. Attached : Copy of XXXX XXXX XXXX XXXX 's response. 

5. XXXX XXXXXXXX XXXX Account ( Account Number : XXXX ) : XXXX XXXX XXXX confirmed credit revocation on XXXX XXXX XXXX. However, TransUnion reports conflicting information, with the date of last activity as XX/XX/XXXX. This account must be removed from my credit report. Attached : Copy of XXXX  XXXX XXXX 's response.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Moneygram ref # XXXX Transaction Date : XX/XX/2024 XXXX XXXX. Amount sent {$4000.00}, exchange rate XXXX XXXX XXXX XXXXXXXX XXXX As I'm writing this, the money has not made it to my sister 's account yet and my mother is still waiting to receive medical treatment. I have tried to get my money back so that I can send it with another agency but they refused to it back and still will not pay it into my sister 's account. I have never had this type of problems with anyone else before, it's been 3 days.
Consumer complaint received 2024-04-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  XXXX acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. I have filed several complaints # XXXX # XXXX # XXXX on XXXX  XXXX and has not verified that they have a contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. Under 15 USC 1681B therefore I didnt give consent to XXXX  XXXX to report any certificate of indebtedness to report as income. They are reporting to the credit Bureaus without my consent. Also XXXX XXXX, Transunion, XXXX has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself. Also as for the inquiries I didn't give consent to the inquiries on my credit report to be reported
Consumer complaint received 2024-01-15
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)

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.

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-07-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-01
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. (FL)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (LA)

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 2024-01-15
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. (TX)

hello on XX/XX/23 i sent transunion information regarding some late payment inforamtion they reported to my credit. It has been over 30 days and i have yet to get any information regarding this matter. I know by law they have to process my request but seems as if they are refusing to do so.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I was notified that I owed a debt to XXXX XXXX  By Portfolio Recovery Associates , LLC. 
I contacted them asking for information, they said they would give that to me. The person I talked with was rude and combative, just reading off the screen. They agreed to provide it. Also I said I wanted to dispute the debt. They said ok. 
A week goes by, no information received. I called them up. They said they disputed the debt, failed to notified me. I asked for an appeal process, they failed to provide it. I Reluctently paid it. However, over the phone this individual was more concerned with making a payment plan. I asked is there any proof this debt is mine ... and will you send it ... no stick to making a payment plan. This went on for like XXXX to XXXX minutes. Once again reading from a script. 
Still no evidence from the company to provide me with the information I requested. I Identified to them XXXX a victim of Identity theft. from XX/XX/2022. And that The XXXX was not mine, because I paid off the card back in XXXX of XXXX. 
Because of these strong arm tactics, my wife things I have more accounts out there, threatening to leave me. Thinking some of the charges are for XXXX.
Consumer complaint received 2024-01-29
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: HYUNDAI CAPITAL AMERICA (MA)

To whom it may concern. 

I don't have exact dates for the below description of events but will try my best to be as specific as possible. 

XXXX ) I leased a Hyundai XXXX from Hyundai that was financed through Hyundai motor finance. 
XXXX ) During the lease period, Hyundai changed their internal policy regarding how excise tax was billed and paid. This included Re-routing payments to the lease toward the excise tax and negating the monthly payment. I WAS NOT NOTIFIED OF THIS POLICY. 
XXXX ) I never missed a payment to Hyundai, nor were any of my payments late. Hyundai allocated XXXX payments to my excise tax and marked my scheduled payments as delinquent. HYUNDAI FAILED TO REPORT LATE PAYMENTS TO ME OR NOTIFY ME OF THIS POLICY, XXXX ) I received a phone call in the summer of XXXX notifying me that my car was going to be repossessed. I had not missed a payment and was not aware that I had any outstanding bills with the finance company. I PAID THE ENTIRE OUTSTANDING TAX ON THIS CALL AND WAS TOLD THAT IT WOULD NOT AFFECT MY CREDIT REPORT. 
XXXX ) In XX/XX/XXXX, I returned to lease another vehicle from Hyundai. I was then informed that i could not qualify for the lease because my credit score was a XXXX. HYUNDAI MISREPRESENTED THEMSELVES ON THE WHERE THEY TOLD ME MY CREDIT REPORT WOULD NOT BE AFFECTED. 
XXXX ) While at the dealership, I contacted Hyundai Motor Finance to inform them that they had, in fact, destroyed my credit score and that I was trying to lease another vehicle. I WAS TOLD ON THIS CALL THAT HMF WOULD FIX THE CREDIT REPORT. They informed me that this would not be immediate. I was forced to lease the vehicle under my wife 's credit until the correction would take effect. THIS WAS THE SECOND LIE FROM HMF. 
XXXX ) My credit score at the time of the lease of the Hyundai XXXX was XXXX. It dropped to XXXX. I could not a ) refinance my home to a lower rate and b ) not lease a new vehicle due to this change. The only bad marks on my credit score were the XXXX from HYUNDAI. 
XXXX ) I have filed complaints with both the BBB and the credit score companies. They had done an investigation with Hyundai that went unanswered. HYUNDAI DID NOT RESPOND TO THE INVESTIGATIONS. 
XXXX ) I called HMF on a dozen occasions to try to plead my case only to have it fall on deaf ears. This has taking days worth of time and has not amounted to anything. 
XXXX ) HMF HAS ALREADY BEEN SUED ON A CLASS ACTION LAWSUIT FOR THIS EXACT BEHAVIOR AND LOST. 

If there is anything that can be done to correct the pain on my credit score and protect others from this predatory behavior, please let me know. I would advise anyone not to do business with this corporation.
Consumer complaint received 2023-04-12
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: BARCLAYS BANK DELAWARE (LA)

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with for review or collection.