davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
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. (SC)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I ( XXXX XXXX ) is writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal actions.

I demand the following collections entries to be deleted : XXXX. XXXX XXXX XXXX Acct. : XXXX Opened : XXXX XXXX, XXXX XXXX XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct. : XXXX Opened : XX/XX/XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 10-15 days of the receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I rented a car from XXXX XXXXXXXX XXXX XXXX They charge me XXXX dollar deposit. They did not give back my deposit. I made several calls to XXXX and spoke to XXXX ( XXXX ) XXXX, who filed a dispute and said a manager would call me back. I never received the call. I called back and could not speak to a XXXX. 

After not getting anywhere I filed a claim with Capital one. they did not call me or get back to me. I have documentation that clearly shows I paid the deposit. no one called me for the proof. I did not get anywhere with them when XXXX has protections for this. 

I will attach the receipt which clearly shows the deposit and charge.
Consumer complaint received 2023-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (VA)

This is my second complaint filed against XXXX. They have removed the information before after the first complaint now they have sold it to another collection company and added it to my credit reports. I am so tired of having to go through this. As a victim of identity theft they do not make it easy at all. This reporting has dropped my credit score significantly again and this is not even accurate. Please can someone help me resolve this so this will stop happening. This is the third collection company they have sold it to and added it to my report again.
Consumer complaint received 2024-04-20
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. (DE)

I am writing to formally request the removal of [ specific student loans ] U.S Department of EdXXXX from my account with U.S Department of Education , citing the provisions of the Family Educational Rights and Privacy Act ( FERPA ).

As outlined in FERPA regulations, educational records, including student loan information, are protected and can not be disclosed without explicit authorization from student or their legal guardian. As the borrower. I assert my rights under FERPA to have these loans removed from my account.

Please find enclosed any supporting documentation, such as proof of enrollment or relevant records to support my request. 
I kindly request that you process this request promptly and provide written confirmation of the removal of the specified loans from my account. 
Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2023-09-23
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. (MD)

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-04-20
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. (MI)

UNAUTHORIZED FRAUDULENT INQUIRES. 
TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX  ( Bank ) XX/XX/2024 XXXX  XXXX XXXX ( Bank ) XX/XX/2024 XXXX UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX  XX/XX/2024
Consumer complaint received 2023-11-03
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. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper changed my XXXX XXXX policy without permission, forcing my payment to change. They received documentation from another insurance company related to another property. They stopped paying policy in XXXX Then choose another policy at a higher rate. All dine without my permission. XXXX XXXX  canceled policy for non payment from Mr. Cooper. XXXX XXXX XXXXXXXXAs a result, I am struggling to pay my mortgage.
Consumer complaint received 2023-12-22
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. (NC)

*My true correct prevalent full uncontested first and last name is XXXX XXXX XXXX , my street # and street address are XXXX XXXX XXXX XXXX XXXX XXXX, my city is XXXX XXXX my state is NC, my postal zip code is XXXX, my existent legally state-rendered social security number or Last XXXX i s XXXX, and my date of birth is XX/XX/. These are my unchallenged reportable personal identifiers. This facts is and expressly is and only is precisely as listed above in this note. I request removal of each and any other potentially reporting derogatory-linked personal identifier data and each and any such potentially reporting that is one or any of being not necessarily-made known, outdated, untrue, inaccurate, incomplete, unproven, unconfirmed certifiably compliant in reporting or elsewise deficit of documented validation. I do not want you nor any being to report ANY claim versus me potentially questionable and or not timely demonstrated descriptively correct and in agreement with requisite ( s ) described upon my here now contesting the claim 's report-ability, and my accost to you to substantiate the reporting practice ( s ) related to the accusations debatable. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account Number : XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-09-07
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. (MS)

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-10-30
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. (NY)

Delete these accounts XXXX XXXX XXXX XXXX XXXX SELFREPORTED - XXXXXXXX XXXX SELFREPORTED - XXXX The personal information is incorrect XXXX XXXX XXXX XXXX XXXX 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 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the inclusion of inaccurate public information on my credit report, specifically regarding a XXXX account with the account number XXXX. I believe that this information is in violation of federal law, as outlined in 15 USC 1681. 

Upon reviewing my credit report, I noticed that the XXXX account mentioned above is listed, and it is inaccurately reported.. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the inaccuracies promptly. As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is crucial that information on credit reports is both accurate and fair. The inclusion of false XXXX information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I request the immediate removal of the erroneous XXXX account ( Account XXXX XXXXXXXX ) from my credit report. I trust that your agency will conduct a comprehensive investigation into this matter to ensure that my credit report accurately reflects my financial history. 

I am prepared to provide any supporting documentation or evidence that may be necessary for your investigation. Please feel free to reach out to me if you require any additional information. 

I want to express my appreciation for your attention to this matter. Accurate credit reporting is vital to maintaining one 's financial standing, and I am confident that your agency will handle this dispute with the thoroughness and expertise it deserves. 

Thank you for your prompt attention to this issue, and I look forward to a resolution in a timely manner.

Sincerely,
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CO)

I waited over 1 year to request a line increase on my Apple Credit Card, last requested increase was XX/XX/XXXX. Payment was made on XX/XX/XXXXXXXX  to Apple Credit Card. Payment applied on XX/XX/XXXXXXXX  and funds left checking account on XX/XX/XXXX. Credit Card was paid off in its entirety. Credit Line increase was requested on XX/XX/XXXXXXXX  to help raise credit score and credit line. Line increase was declined due to previous payment not being a " significant portion '' of loan balance per Goldman Sachs. Card was paid to {$0.00}. Supervisor named XXXX advised myself that the payment was delayed on Goldman 's side. Payment was then applied on XX/XX/XXXXXXXX  on Goldman 's end, manually by XXXX. XXXX advised decision is final and can not be updated, I need to wait an additional 180 days for another credit line increase.
Consumer complaint received 2023-02-10
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. (NV)

Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages named FAIR COLLECTION AND OUTSOURCING IN THE AMOUNT OF XXXX $ And same collection in the amount of XXXX $ on my credit report. According to the 15 USC 1681 Law these damages are defamation to my character. I have tried to reach out to reporting agency 3 times starting from XXXX of 2022 to resolve error and have only gotten a system generated response. No proper investigation or proof/ method of validation.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Removal of an Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand for an immediate deletion of an inaccurate account from my credit report that is causing hardship to obtain approval of credit, that inline with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. While reviewing my credit report, I have noticed an account entry that is inaccurately reported and must be removed promptly to avoid legal actions. 
The inaccurate account entry is as follows : Creditor Name : XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7800.00} I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.

Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within 10- 15 days from the receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2024-04-20
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. (MA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
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 — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MI)

JPMCB Card account XXXX is reporting inaccurately across all 3 credit bureaus. I also did not give this company to report this information to my credit report. This reporting I believe has caused me traumatic stress. I recently opened a new chase account. My husband has a business bank account with chase. We have a tax company that has made XXXX XXXX thus far. My first pay out was XXXX figures. Chase opened my account and cleared my check. About a week later they decided to close my account with no explanation besides it was a company decision. I believe this negative account I did not consent for the company to report was the reason my account was closed. I was discriminated against based off of this inaccurate reporting account. XXXX reports a diff open date than the other credit bureaus, XXXX shows $ high limit while XXXX and XXXX reports {$4000.00}. XXXX reports a different last reported day than experian and XXXX. Date last active report diff on all 3 credit bureaus. Date of last payment is reporting diff on XXXX. I had to wait for them to mail me my check which took almost a month after they closed my new account. My check was cleared by my Michigan XXXX XXXX XXXX with no issues. I am demanding this company to remove this account from my credit report immediately as I never gave my consent and per the FCRA I must be told if information in my file of consumer reporting is being used against me.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts or authorize these accounts. In accordance with the Fair Credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. One more thing according to 15 USC 1681s-2, A persons shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are listed below. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC (MD)

VICTIM OF IDENTITY THEFT. ALL PERSONAL INFO EXPOSED IN MULTIPLE DATA BREACHES. TOOK PART IN CLASS ACTION LAW SUITS AND HAVE BEEN COMPENSATED. A POLICE REPORT, A IDENTITY THEFT AFFIDAVIT SIGNED BY LAW ENFORCEMENT AND FTC REPORT HAVE ALL BEEN SUBMITTED. I HAVE DISPUTED THE ACCOUNTS THROUGH THE CREDIT BUREAUS TO NO AVAIL.