davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-09
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-09
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. (IN)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-04-20
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. (FL)

I am a victim of Identity Fraud. There is a XXXX  XXXX account on my file, even though it shows paid and closed that account is not associated with me. I reached out to the creditor directly and they sent me a form which i signed and sent back to them confirming that the account was made by someone that wasn't me and that I t was not authorized by me. I also reached out to all 3 credit bureaus, XXXX, XXXX, And Transunion. XXXX AND TRANSUNION Were able to verify that the account did not belong to me but XXXX reported the account back on my file. I need the XXXX  XXXX ACCOUNT TO STAY CLOSED AND BLCOKED FROM SHOWING ON MY FILE. I DID NOT AUTHORIZE IT NOR DID I GIVE ANY ONE PERMISSION TO FURNISH THIS INFORMATION ON ANY OF MY CREDIT FILES. The company is breaking the law per 15 usc 1681b.
Consumer complaint received 2024-04-09
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was XXXX XXXX and had a XXXX XXXX XXXX that was on my credit through them and then a third party collection agency called XXXX. The balance for the XXXX XXXX XXXX was taken from the IRS and I also even paid the debt agency the fee that they said they charged for the debt in full. I know it may still be on my report but it's stating from the star card that it was never paid and it was paid XXXX XX/XX/2024. The agency was paid the remaining balance on the XXXX. I pulled my report and I am still seeing this reflected on my credit and I am in the process of buying a home and I do have receipts. I want this balance updated.
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In XX/XX/XXXX i filed an original complaint on XXXX  XXXX XXXX as well as Equifax for erroneous account information listed on my credi report. The account number for the XXXX account is XXXX. XXXX XXXX XXXX researched the information and based on the items, documents i provided, were able to correct the negative information found on my credit reports. However on XX/XX/XXXX the negative reporting of the XXXX  XXXX XXXX Account ending in XXXX was re-inserted and even shows a balance owed of {$35000.00}. XXXX  XXXX XXXX had previously responded to me as well as CFPB this information : Company 's Response During our recent conversation on XX/XX/XXXX, we discussed the auto loan ending in XXXX. We confirmed that based on your recent inquiry, an adjustment was submitted on XX/XX/XXXX, to report your account as a discharged bankruptcy account with a XXXX  balance with Equifax. In addition, derogatory history after XX/XX/XXXX was also removed. The corresponding notice was sent to the address on file on XX/XX/XXXX. We also confirmed that it may take up to 90 days for the consumer reporting agencies to make the adjustment and update their records. However, if your consumer report remains unchanged after 90 days, you can contact Equifax directly, and provide them with a copy of the letter dated XX/XX/XXXX. We followed up with you on XX/XX/XXXX, and during our telephone conversation, you confirm that the letter dated XX/XX/XXXX, had not arrived. Therefore, we would send a copy of the letter to the address on file by XXXX. 

This is proof that they had saw the error, and claimed to have corrected the error. The problem was realized again on XX/XX/XXXX when i got an alert via my credit monitoring with the credit bureaus that showed my credit score dropping from a score of XXXX XX/XX/XXXX to a score of XXXX on XX/XX/XXXX, XXXX points! Not only did the score drop, but the balance went from {$0.00} to {$35000.00} and the negative history that was erased dating back to XX/XX/XXXX, was reinserted, along with a status of the account of past due, and " charge-off ''. This needs to be corrected IMMEDIATELY not 90 days, as I am supplying proof from XXXX, along with original XXXX  XXXX XXXX response. The previous complaint number to CFPB is XXXX for XXXX  XXXX XXXX and the complaint number to CFPB for Equifax is XXXX. This is a FCRA violation and based on the law : If you can show that the credit reporting agency ( CRA ), information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : statutory damages damages between {$100.00} and {$1000.00} ( to get these you don't have to prove that the violation harmed you ). Clearly a drop in score of 125 points has harmed me, and the fact that the negative information was disputed and corrected, to yet go on a month later and be re-inserted again, has further harmed me.
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Company has been calling me since mid XX/XX/2017 about this debt and EVERY SINGLE TIME I very my information ( which is not what they have on file ) and I am told my number would be removed. I even explained SEVERAL times not only am I not the person they are looking for but I have had to deal with them before in another collection effort and this time I will pursue legal action. XX/XX/XXXX I noticed the derogatory account from portfolio recovery on behalf of XXXX  XXXX on my report and when I tried to call because I have no knowledge of the account and I've told them previously this s not my account, the customer service agents was unable to speak with me unless I verified my information. I gave them my social and phone number as I don't have an account # becuase one is not listed on my credit report. Agent was unable to speak with me as the information didnt match. It doesn't match because this is not my account. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account. This is not my account.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX has flagged my credit report with several late payments and my account is set up on auto pay.

but furthermore, please see below.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MI)

In accordance with the Fair Credit Reporting Act DISCOVER FINANCIAL SER 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 2023-06-20
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: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 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 2024-04-09
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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing in response to your recent communication regarding the investigation results of my credit dispute, dated XX/XX/2024, in which you provided information regarding the status of certain disputed items on my credit report. 

While I appreciate your efforts to address my concerns, I must express my dissatisfaction with the response provided. Upon reviewing the details provided by TransUnion, I find that there are several crucial points that were to my assumption blatantly denied due to inability to produce requested evidence and now consequently demand immediate attention. 

First and foremost, I had explicitly requested that TransUnion provide me with the investigation results including all documentary material, in accordance with the regulations Transunion and its employees are bound to ; The Fair Credit Reporting Act ( FCRA ) and federal law. However, the response provided by TransUnion fails to fulfill this demand. It was imperative that I was provided with detailed documentation regarding the investigation process and validation of the disputed accounts, or they were to me removed within 4 days as per the statutory requirements outlined in 15 U.S. Code 1681c2. 

Furthermore, I wish to emphasize that the alleged charged-off accounts mentioned in my credit report have already been paid in full being that a charge off is nothing more than a tax write off. Despite the full payment of these accounts, TransUnion continues to report them as charged-off, which is inaccurate and caused significant harm to my character & to my creditworthiness. Additionally, it is important to note that no Form 1099-C has been issued for these charged-off accounts, which raises questions about the legitimacy of the charge-off status and suggests that TransUnion may be engaging in tactics to extort payment under duress. 

Lastly, it has come to my attention that XXXX XXXX is listing XXXX different accounts, each with different account numbers, amounts, dates, and statuses. This inconsistency raises serious doubts about the accuracy and reliability of TransUnion 's reporting. How can XXXX person have XXXX different accounts with the same company? It is evident that TransUnion is incapable of collecting accurate information regarding these matters, and as such, I demand that these accounts be removed from my credit report immediately.
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

I have previously disputed the account in question in which the account along with others were removed. I have disputed this debt with you as well as XXXX XXXX multiple times but it keeps reappearing. The same company keeps adding this debt to my credit report stating that this is my debt. These accounts are being added as new accounts and I have never been to nor do I know of any company by the name of XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX. If you keep records of disputes made through your system, there should also be photos and documentation there as I did not keep all photos because I thought this matter was resolved.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.
Consumer complaint received 2024-04-09
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file
Consumer complaint received 2024-01-02
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

hello, i previously had a checking account with bank of america. they had charged me with insufficient fund charges and overdraft charges. several times .my job at the time gave me the option for direct deposit, so i closed my account with BOA. I`am now with XXXX XXXX XXXX. i have-not received any settlement information from anyone i just read, and saw on the news, that they have been doing this to others.how do i join for reimbursement .thank you.