davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 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 2024-04-10
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, 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 XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, TransUnion, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX
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: EQUIFAX, INC. (TX)

I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the first follow-up attempt to address this matter. 

I understand that administrative errors can occur, but it is imperative that they are promptly acknowledged and corrected to prevent any further complications. The delayed resolution of this issue is not only inconveniencing but also reflects poorly on your organization 's commitment to customer service and accuracy. 

I would appreciate it if you could provide me with an update on the status of the correction and an estimated timeline for its completion. Additionally, if there are any further actions required on my part to expedite the process, please do not hesitate to inform me. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$9000.00}.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the first follow-up attempt to address this matter. 

I understand that administrative errors can occur, but it is imperative that they are promptly acknowledged and corrected to prevent any further complications. The delayed resolution of this issue is not only inconveniencing but also reflects poorly on your organization 's commitment to customer service and accuracy. 

I would appreciate it if you could provide me with an update on the status of the correction and an estimated timeline for its completion. Additionally, if there are any further actions required on my part to expedite the process, please do not hesitate to inform me. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00}.
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (TX)

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- description of reinvestigation procedure. This account was opened fraudulently.
Consumer complaint received 2024-04-10
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)

I have reviewed my XXXX credit report and found discrepancies in the information provided. I can assure you that the information in question is inaccurate, and it is negatively impacting my creditworthiness. 

I am requesting a thorough investigation into this matter and urge you to correct the inaccuracies promptly. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I expect this issue to be resolved within the timeframe stipulated by law. 

Following Accounts are not accurate : XXXX ) XXXX XXXX XXXX  - Account Number XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX XXXX XXXX  - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX  - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (FL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (ME)

I applied for a discover student credit card XX/XX/2023. 

I was approved for said credit card XX/XX/2023. 

I was asked to verify my identity through the XXXX verification services XX/XX/2023. 

I completed that task XX/XX/2023. 

I was asked to verify again on XX/XX/2023 due to a recent name change i had in the beginning of XX/XX/2023. 

I reverified my information XX/XX/2023. 

I was asked on XX/XX/2023 to reverify again which i complied with. 

XX/XX/2023 I recived an email reguarding the verification and was told by discover that it was successful and completed. During this amount of time I also made numerous phone calls which are recorded in their system stating that my identity was verified and my card was active and ready to use. 

XX/XX/2023 i found out they had closed my account due to failed security verifications. They did not send me an email, alert on the app or message. I did not receive any phone call or voicemail regarding this issue. They closed my account as of mid XXXX of XXXX  without letting me know. 

XX/XX/2023 i spoke to them on the phone and they stated they did not have any verified information on file and that there was nothing they could do to open the account because it was over 30 days since it had closed.
Consumer complaint received 2024-04-10
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-11-17
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. (AZ)

I received alerts to my cell phone about unknown inquiries. I am not liable for them. Please investigate and remove from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MN)

Collection Agency called repeatedly, rude, threatening. Demanded credit card payment over the phone and was rude and threatening when I explained that I changed internet service from a no contract service with XXXX XXXX, to XXXX, and XXXX paid my last bill. I returned equipment to XXXX XXXX in person in XXXX XXXX MN. 

I explained and the caller was still demanding payment by phone, I requested something in writing so I could talk to XXXX, but they refused. I've never received anything in writing from them, and they refused to send anything. Still have never gotten anything. 

This is super messed up and pretty sure it's illegal
Consumer complaint received 2023-04-28
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. (FL)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$19000.00}
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Columbia debt recovery is violating my rights. 
The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. There are XXXX different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX, Florida. The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate 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 responsible costs to believe that the information is inaccurate.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (GA)

I am writing to complain about an unauthorized credit inquiry that appears on my credit report. The details of the unauthorized inquiry are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have thoroughly reviewed my credit report and have confirmed that I did not authorize this inquiry. As such, I am formally requesting its immediate removal from my credit report. 

Unauthorized credit inquiries can negatively impact an individual 's credit score and overall financial standing. Therefore, it is crucial that this matter is addressed promptly and resolved to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-03
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. (MS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I mailed a letter XX/XX/year> confirming the incorrect residential address for myself. The credit bureaus have not updated my credit profile in over 30 days. I called in to get a resolution and they refused to remove it.
Consumer complaint received 2023-06-07
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. (CA)

On XXXX I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've consistently maintained timely payments on this account, preventing any occurrences of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. According to 15 USC 1666b - Billing Error, corrective actions should be taken.