davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (MA)

In accordance with the Fair Credit Reporting Act these creditors violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 US 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-18
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. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX FS XXXX Balance : {$10000.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-18
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 unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and DEPTEDXXXXXXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/year> XXXX XXXX XXXX tried to open a checkings account with Suncoast credit union, I received adverse action notice via mail, request for membership was denied stating at this time we are unable to offer membership. Reason for the denial was unable to verify my identity, Suncoast credit union looked for my identity through the three credit bureaus XXXX, XXXX, XXXX, was unable to determine my identity I had a freeze on all credit reports, they then took it upon themselves to go through XXXX XXXX XXXX, my problem with the whole issue is the bank could have made better decisions on my requests for membership by calling me or sending me a letter stating they were unable to verify my identity or something, they did not have to go through XXXX XXXX XXXX I've never even heard of them before they gave them a report of credit score /blank, Scores range from XXXX - XXXX I know that on the FCRA act they should have not went to any other resources to confirm any of my information, my credit score should not reflect on my chances of optaning a checkings account. Wich is why I am reaching out to file a complaint I feel I was discriminated due to my credit report being frozen and my privacy was invaded when sent through another company to obtain my information a simple phone call was all the bank had tu do I provided all my personal info, cell number, SSN, address, dob, martial status, etc
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (LA)

I've been paying my vehicle monthly note as I have for years never behind but now since maturity date has passed and I chose to keep making my monthly payments as planned and because I didn't want to make a big lump sum payment Santander/ Chrysler capital reported my payment as 30 days late which dropped my XXXX credit score XXXX points which is unfair I want this false reporting resolved and my credit scores back where it was there's no way a company should have your score dropped because you do not agree to make a lump sum payment
Consumer complaint received 2023-12-18
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX  Balance : {$4700.00}.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (MD)

on XX/XX/XXXX milestone closed my account for non payment from my personal income. I was told that that was the only payment they accepted. I referred to the bill of exchange act and remitted payment to the address on the face of the bill. XX/XX/XXXX certified mailing proves they received my payment.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

AMERICAN EXPRESS knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is XXXX and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. XXXX is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, AMERICAN EXPRESS, failed to provide me with the necessary disclosures required under XXXX and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.
Consumer complaint received 2023-12-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX. I dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-12-18
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/XXXXXXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-18
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. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

DURING COVID XXXX XXXX  HAD DISASTER RELIEF ASSISTANT FOR ME AND I JUST FOUND OUT THE REPORTED I HAD 2 MONTH MISSED PAYMENT
Consumer complaint received 2023-04-16
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For my last credit report from XXXX XXXX, they reported my credit score down from XXXX to XXXX because they said XXXX XXXX reported that I was late for my monthly due of {$500.00} but that amount is not due till XX/XX/XXXX and that was end of XXXX when I check my credit report. Now if you look at their report at XXXX that amount is not due yet and now XXXX XXXX the {$500.00} was credited. I talk first to XXXX they said they will send me letter that they don't have any idea how it happened, but the letter didn't happened they said to talk to XXXX XXXX and they said they can't correct it I talk to TransUnion and XXXX customer chat they said I need a letter that XXXX made a mistake but they won't send a letter they said they can't do anything to correct it. 

I tried to send a message to TransUnion and XXXX but there is no way you can't talk to them unless you pay and enrolled and pay with their monthly fees and the customer service said they can't fix it unless I become their member. 

I am XXXX XXXX, and my e-mail is XXXX and my text phone is XXXX I am from XXXX, Ca and that's how these companies answered now by not allowing the customers to access their sites unless you pay and become a member.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. 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 or delete accounts that aren't reporting correctly.

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-09-25
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. (LA)

The following inquiry was authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These was authorized by me to my knowledge.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00}
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (ID)

I was recently notified there was a change in my credit report from XXXX XXXX. When I checked, a debt collection was on my report as a unpaid debt of {$2500.00}. I work very hard to keep all my payments current, no late payments, etc., so that my credit score stays in a very 'good ' place. This report dropped my score XXXX points!!! This is not my loan. It is a result of identity theft in XX/XX/XXXX. I went through the necessary steps to dispute this through identitytheft.gov. when it originally occurred. I have never heard from this collection company 'Paramount Recovery Systems ' until I called them XX/XX/XXXX, inquiring about the information placed on my credit report! From what I understand, a collection agency is suppose to contact the person before anything is filed on their credit report. Paramount Recovery has never contacted me. I had no idea this fraudulent claim was in collections. 
Repairing credit isn't an easy thing to do, so I am frustrated that a company can place an extremely negative report on my credit, especially without contacting me first to let them know it is not my loan! This very negative mark can/will affect my good rating on my credit score and credit report, making it very difficult to obtain credit in the future.
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (FL)

This account has been disputed an taken off my credit as it does not belong to me. And after 6 or more years it has returned to my credit stating it was purchased by Jefferson Capitol Systems. They've sent notices with 3 different addresses and have called making threats if I don't pay.