davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-04-29
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. (PA)

I've always made sure payments on this account are made on time, never letting them become overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This issue was previously filed and resolved in XX/XX/year> ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account 's invalidation, successful dispute and removal, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in XXXX that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through XXXX XXXX XXXX. The listing on the XXXX report ( see attached reporting on all three bureaus from XXXX credit report ) makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times ( See attached documentation referenced on issue numbers from XXXX for documentation of violation of FCRA ). The previously invalidated account showing as a new collections account and has significantly reduced my credit score and impacted my ability to sign a new apartment lease.
Consumer complaint received 2024-01-10
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)

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my ftc affidavit for your review.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Below is the items that need to be blocked from current and future reporting and deleted immediately. 

XXXX XXXX XXXX accnt num XXXX XXXX XXXX XXXX balance XXXX XXXX all other fraud inquiries that are on the report.
Consumer complaint received 2024-01-11
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX  XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-04-29
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. (WI)

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

Please see attachments and follow demands listed in attachments. 

To date, XXXX has NEVER validated the debt nor have they provided the requested information. The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are a number of derogatory accounts reporting on my file that the credit bureau repeatedly fail to comply and properly validate. The information reporting does not belong to me and a result of identity theft its violation of my consumer rights pursuant to the FCRA. I would like this information removed immediately.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I trust this letter finds you well. I am writing to address a matter of concern regarding the reporting of an account on my credit profile with Capital One. My name is XXXX XXXX, and I have identified discrepancies related to a paid collection/charge-off that remains unresolved despite my numerous attempts to initiate the validation process. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information reported on my credit file is accurate, and I have taken the necessary steps to exercise this right. I have made several attempts through credit bureaus and collection agencies to validate the mentioned account, yet I have not received any response to date. 

Upon reviewing my credit report, it has become apparent that reasonable procedures were not conducted in the validation of this account. I have reason to believe that there are current violations related to the reporting of this account, and there are unverified accounts that warrant further investigation. 

I am reaching out to request Capital One 's prompt attention to this matter. I kindly ask for a comprehensive investigation into the validation of the specified account and the associated reporting. It is essential to rectify any inaccuracies promptly, as the discrepancies in my credit report may have an adverse impact on my creditworthiness. 

Enclosed with this letter, you will find supporting documentation, including copies of relevant credit reports and any correspondence sent to the credit bureaus and collection agencies. I am prepared to provide any additional information necessary for a thorough examination of this matter. 

I appreciate your prompt attention to this issue and request your cooperation in resolving this dispute as expeditiously as possible. Accurate and fair credit reporting is crucial for both consumers and creditors, and I trust that Capital One will take the necessary actions to address and rectify this situation. 

Thank you for your understanding and cooperation.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IN)

Care credit refuse to gave me any information and told me that they will send me something to my address on mail but I never received it. I asked them for the address that was on file they would not give it to me. I told them that I didnt go to XXXX XXXX in XXXX but decided to not go through with the XXXX  and the appointment was free to see if Ill be a good candidate for it, but I wasnt. When I told them that they told me it was not cosmetic but they told me that it was for an animal and I dont own any pets. They told me it multiple charges. I asked them what all I need to do and they didnt tell me nothing I asked for addresses locations and I got nothing. I checked my credit in recently and I seen a bill for over {$2000.00} and now still the same thing. They cant tell me nothing or remove it. This is insane and not me at all this fraud. I cant even get the account number or anything to report to the police not even the month that it happened. I dont have a card number account number or nothing. Also, in XXXX of 2023 my car was stolen and o reported it in to the police. My id, ssc and more personal belongings were in the car as well as my cell phone which I had to get another one and replace all of my cards, ID and personal information.
Consumer complaint received 2023-03-24
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: TRUIST FINANCIAL CORPORATION (TN)

After our second CFPB complaint filed on XX/XX/XXXX I myself have recevied a response finally ( attached letter from Suntrust/Truist ) however our attorney received the offical Vailidaiton of Debt ( attached ) on XX/XX/XXXX. In writing Suntrust/Truist is stating they never received our demand for validation of debt on the multiple request sent to their address shown on ( MY CREDIT REPORT ). This means regarless of sending it to the address they put on my credit report they've conveniently denied receiving any legal communication since XX/XX/XXXX from us and our legal representation. Clearly we also didnt receive any of Suntrust/Truist 's commuication to collect a debt due to them sending their mail to the wrong address to us which I am glad that we've received the requested after 7 months to our correct address. Now that we have received what has been demanded for months with the help of the CFPB Suntrust/Truist is still in violation of FDCPA 809 which requires a response from them within 30 days and as you can see here at least 4 violations. Which they denied receiving our letter even though sent to their address published on our credit report. Furthermore, the fact that FDCPA 807 ( 8 ) has been violated multiple times still with our proof ( attached ) from my credit reports to where Suntrust/Truist Bank has still failed to enter a notice of dispute at any time which is required by federal law. Each of the above times we disputed they didnt enter a notice of dispute and along with the recent time through this CFPB platform on XX/XX/XXXX which they began a reply on XX/XX/XXXX and replied through this platform on XX/XX/XXXX which they did reply to the CFPB but not to us. Since they failed to enter a notice of dispute FDCPA 807 ( 8 ) has been violated multiple times. How many times are we going to allow this to happen without holding Suntrust/Truist Bank accountable to these violations? In their communication they have failed to address their violations of FDCPA 807 ( 8 )
Consumer complaint received 2024-04-29
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. (LA)

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.

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 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NY)

enclosed i will provide proof that ally financial in not properly furnishing my consumer report correctly. this is the second attempt to prove that my account was not late. ally financial submitted incorrect documents with wrong address and wrong account # claiming they sent me late payment letter 21 days before payment was due. for the simple fact that they sent document with the wrong account number and address convicts them of numerous violations. 

ally financial never gave me the option to opt out 15 USC 6802b. show proof that you gave me the option to opt out. it is all hear say, ally financial needs to provide me a copy of your bank statements proving when i paid or did not pay on time [ not a payment history ] anyone can make up a payment history. if you can not provide these bank statements everything else is hear say. provide bank statement proof.

also provide proof that i actually received these letters in a form of certified mail. if you don't have certified proof of such letters then everything is hear say..

ally financial also reviewed the contract and determined to either incorrectly or omitted the contract so they need to provide my wet signature of me agreeing any changes they made to the contract. enclosed there is proof the contract was changed after that i was unaware of. provide me proof of my wet signature of the new changes that was made to the contract. they can not change anything on the contract without my signature or me agreeing to such change.

ally financial is also reporting 60 days late reporting on my consumer report as it is not supported on my consumer report. they have no proof.

clearly ally financial in in violation of section 15 USC 1666b and 1637 ( b ). ally financial never sent me a bill about my account being late in adequate time with incorrect address and account number according to law also i will provide proof of my correct address and document showing ally financial wrong doings upon furnishing my consumer report incorrectly. remember they must follow the law not policies.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX 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 2024-01-10
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. (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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I sent certified letters out to all three credit companies on XXXX and XXXX XXXX with no response. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts and if its not accurate please delete them. I even pulled my credit report again and notice nothing has changed and they are still reporting inaccurate information. with my last complaint i also sent a copy of my credit report XXXX both credit reports will be attached as evidence to show they lied about properly investigating and fixing the issues. I also attached a CFPB complaint from XXXX who took action on XXXX and deleted the inaccurate accounts because it was violating my rights after they said they did a proper investigation and didn't In addition I even filed complaints with you the CFPB on XXXX, and XXXX and Transunion stated on XXXX that everything was VERIFIED AS REPORTED to the CFPB. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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

15 U.S.C section 604 A section 2. 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 items of information, other than records of conviction 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 I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.