davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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)

Subject : Formal Complaint Against TransUnion for Violation of FCRA Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) by TransUnion, one of the major credit reporting agencies. I have previously submitted a reinvestigation request to TransUnion regarding certain entries on my credit report, requesting specific documents to substantiate the validity of the debt entries in question. However, TransUnion has failed to fulfill its legal obligations under the FCRA and has not provided the requested documents as mandated by law. 

I submitted a request to TransUnion in accordance with my rights under the FCRA, specifically seeking original contracts with my signature, as well as proof of a legally valid assignment of the debt in question. As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, TransUnion is obligated to ensure the accuracy and validity of the information it reports. However, their response to my request was inadequate, as they merely reissued the same result letter without providing any of the required documentation. 

The FCRA places the burden of proof on TransUnion to substantiate the accuracy of the reported information, and in the absence of the requested documentation, it is their legal obligation to promptly remove the disputed entries from my credit report, since no proof has been or can be provided. This continuous reporting of unverified and unsubstantiated information has had a detrimental impact on my financial standing, affecting my ability to secure credit and housing. 

I am bringing this matter to the attention of the Consumer Financial Protection Bureau, as I believe TransUnion 's actions are in direct violation of the FCRA, and I request your intervention to ensure the protection of my rights as a consumer. I am not seeking another round of investigation or dispute with TransUnion. Instead, I urge the CFPB to take the necessary steps to compel TransUnion to adhere to its legal obligations and delete the reporting discrepancies promptly or else I will be forced to seek legal counsel and retribution. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to address this violation of consumer rights. 

Accounts in question below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS REPORTING TWICE, same account number different balances- this is obviously a factual error and both to be deleted!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to formally dispute the accuracy of credit information reported by Portfolio Recovery concerning an alleged debt on a XXXX XXXX XXXX  credit card account. This dispute is filed under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

I was shocked to discover that my recent credit report contains a Portfolio Recovery " collection '' allegedly owed to XXXX XXXX XXXX, initiated in XX/XX/XXXX. This information is categorically false and incorrect. I do not owe any amount to XXXX XXXX XXXX  as alleged in this report. The information being reported is false, inaccurate, incorrect, and fraudulent. 

It is important to note that the matter about the XXXX XXXX XXXX  account was conclusively resolved through a Joint Dismissal With Prejudice in XXXX. This legal resolution unequivocally confirms that there is no outstanding debt or obligation on my part regarding the said account. 

Attached are copies of the relevant documents that substantiate my claim. These documents include the legal dismissal paperwork, indicating a full and final settlement of any claims associated with the XXXX XXXX XXXX  account. 

I request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the correction of this inaccurate information on my credit report. The presence of this erroneous entry has the potential to unjustly affect my credit score and financial reputation. 

I trust that upon review of the attached documents and an investigation into the matter, the necessary corrections will be made to my credit report, removing any mention of this alleged debt. 

Thank you for your attention to this important matter. I look forward to a swift resolution. Please feel free to contact me for any further information or clarification needed.
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (IN)

Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to file a formal dispute complaint regarding unauthorized credit inquiries made on my credit report. These inquiries are not related to any transaction undertaken by me, and multiple unauthorized inquiries were made on my credit report, including two inquiries made on the same day, which I believe constitutes consumer fraud. The unauthorized inquiries listed below have been made without my consent and are in violation of laws such as 15 USC 1644 ( Credit Card Use Fraud ), 15 USC 6801 ( Protection of Non-Public Information ), and 15 USC 6802 ( Obligation to Respect a Disclosure of Information ). 

Unauthorized Inquiries : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ List all unauthorized inquiries with corresponding dates ] I would like to draw your attention to the fact that on XX/XX/2023, my credit report was accessed twice in one day without my authorization, which is a clear violation of consumer protection laws. This unauthorized access to my credit report could potentially lead to my personal information being misused, and I am deeply concerned about the potential ramifications of these unauthorized inquiries. 

Furthermore, I believe that my credit application has been turned into a security without my consent, and these financial institutions are trading it in a secondary market, which may constitute consumer fraud and identity theft. The unauthorized transfer of my credit application to other banks without my authorization is a serious breach of my privacy and security.

I request that the Consumer Financial Protection Bureau investigate these unauthorized inquiries and take appropriate action against the institutions responsible for these violations. I also request that the unauthorized inquiries be removed from my credit report to prevent any further misuse of my personal information.

I have enclosed copies of my credit reports & an FTC report number..highlighting the unauthorized inquiries for your reference. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
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. (FL)

This will be the last time that I reach out to you all. This auto loan does NOT BELONG TO ME AT ALL! I NEVER OWNED THAT CAR I NEVER SIGNED A LEASE ON THAT CAR. SOMEONE USED MY INFORMATION WITHOUT MY CONSENT NOR KNOWLEDGE AND THAT IS HOW THIS MATTER OCCURED. I ALREADY EXPLAINED THAT TO YOU ALL AND AT THIS POINT YOU GUYS ARE BREAKING THE LAW! THIS IS CRAZY AND ABSURD PER 15 USC 1681 B. I WILL BE CONTACTING THE XXXX XXXX XXXX AND MY STATES ATTORNEY GENERAL AND I WILL BE SUEING IF YOU GUYS DO NOT REMOVE THIS FROM ALL 3 OF MY CREDIT FILES NOW!
Consumer complaint received 2018-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NY)

Account Name : CREDENCE RESOURCE MANA XXXX Original Creditor : XXXX Open Date : XX/XX/2018 ( For Creditor ) Balance : {$1500.00} Debt : {$1500.00} Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

back in XX/XX/2018 I contacted Transunion, XXXX   and XXXX sending them copies of affidavit that these debt was a result of identity theft I do not recognize the accounts on my report and it needs to be removed from their records and any reporting agency that they have shared it with and it be permanently blocked .... I have not been able to get a response ... then I mailed all of them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out to get this resolved
Consumer complaint received 2023-08-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In XX/XX/2023, HSBC ran a promotional referral bonus scheme for Premier account holders. The promotion meant that if I referred friends or family to HSBC and they met the qualification criteria, they could receive up to {$1000.00} and I would receive {$300.00} for every referral. A friend of mine opened a HSBC checking + savings account in XX/XX/2023 using my personal referral number that HSBC provided. Both of us maintained the qualification amounts in the checking/savings accounts. As of today, HSBC have not paid me the {$300.00} referral bonus which should've been paid up to max 8 weeks after my friend opened her account. It is now almost XXXX and despite contacting HSBC on a daily basis, no referral bonus has been paid yet. HSBC continue to tell me they'll have a response in 5 working days despite them regularly going past 5 days and then proceeding to request 5 more every time I contact them.
Consumer complaint received 2023-12-01
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. (NY)

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 XXXX Account number XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX Account number XXXX has violated my rights. 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 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 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A. (NM)

On XX/XX/XXXX, I called PNC Bank to make a payment to an auto loan. Somehow the inaccurate checking account number was entered. 
I updated the checking account and payment regarding loan and late fees. 
As a result a late payment was added to my credit report. This is the only late payment due to the situation. 
On XX/XX/XXXX, I sent a fax following the phone call with PNC Bank to its Consumer Credit Bureau Investigation. 

On XXXX XXXX I called regarding the status of dispute and I was told company never received letter.
Consumer complaint received 2018-12-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

First of all, XXXX XXXX calls me repeatedly from different phone numbers. I block a number, and they call from a different one. Not only that, but they called me just a minute ago on XXXX eve!!! I've had enough already. I'm tired of them using MY cell phone minutes that I have paid for. This company is already in trouble for their collection practices. I'm wondering if I can join in that lawsuit. The debt I owe to the original credit card company was bought by XXXX XXXX which means it was paid off. I don't feel it's my obligation to pay a debt that they chose to buy from another company for much less than they're trying to collect from me.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NC)

back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ..
Consumer complaint received 2023-12-01
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. (PA)

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX  while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, XXXX  I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (TX)

I have been contacting Experian for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (IL)

I am a victim of identity theft Due to my mother opening an account with Discover Bank. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account and I shouldn't have to pay for something i did not authorize.
Consumer complaint received 2024-07-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (MN)

On XX/XX/2023, I was trying to sell a XXXX XXXX XXXX  on XXXX marketplace, and the guy said he sent me XXXX thru XXXX, but because I didn't have a " business '' account, the funds didn't go through. So XXXX ( fake ) sent me an email, that said the guy had to send another payment, and I would refund that payment to him. And that I would get my payment of XXXX to my account in an hour. In an hours time, " XXXX '' called me back and sent an email, stating that they guy sent me XXXX accidentally and I needed to refund him another XXXX ( total XXXX ). " XXXX '' said I would receive my original payment of XXXX within an hour, but I have not received it. I called my bank and they can not refund or stop payment and gave me " XXXX '' number, but they are not available to assist nor can help me. 
I do have emails from these scammers if you need them.
Consumer complaint received 2023-11-08
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. (NJ)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Consumer complaint received 2023-07-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.