davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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: DISCOVER BANK (SC)

XX/XX/2022 I noticed that my credit score has dropped due to inaccurate reporting. I have attached screenshots of my online XXXX credit report and my Discover card account. The fair credit reporting act law 15 U.S code 1681 states that all consumer reporting companies must provide a account credit report and score. XXXX is not showing the Reporting balance/Available credit that Discover is reporting. This inaccuracy has lower my credit score.
Consumer complaint received 2023-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB (GA)

I had an account with the company Klarna ( 4-way pay loans ) that I used on and off in XXXX. I realized that I had been a victim of identity theft, and there was a loan made in my name on my account that I had disputed once I received contact from a debt collection agency ( XXXX  ) regarding the unpaid loan. 

XXXX XXXX and Klarna both determined I was not responsible for the fraudulent loan, and True Accord released the account back to Klarna back in XX/XX/XXXX. It has now been A YEAR, and Klarna continuously refuses to update their systems regardless of the numerous attempts made to contact them regarding this matter so that I may continue to use my Klarna account. 

I was just told by a customer service representative yesterday, XX/XX/XXXX, that my issue was " too old '' to resolve, when that wouldn't have been the case if they had done their jobs efficiently back in XXXX of last year when XXXX released the fraudulent installment account back to them originally. 

To tell me it's " too old '' to resolve is the most disrespectful thing that could've been communicated to me in this situation.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2023 I sent a letter to Transunion informing them that they are inaccurately reporting an account on my profile. The account status on account number XXXX is showing an " open '' status which is incorrect. I have not received a response from them and when I pulled my report again on XX/XX/2023, the information was still reporting incorrectly. Per the FCRA, I asked for the items to be deleted from my report because it is inaccurate. This is a violation of my rights as a consumer and I want this deleted.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-12-07
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. (MD)

In accordance with the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681.

I communicated with TransUnion to reinvestigate these accounts. Accounts : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX. However, they stated everything was complete and accurate. However, how is that possible if the open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. Especially by these accounts being crimes of Identity Theft and I am a Victim of Identity Theft.

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.

Also TransUnion is not in compliance with the Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX Identity Police Report, the Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2023-05-11
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. (GA)

Disputing late payments and accuracy. 
Account : XXXX XXXX Credit Card In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 US Code 1681 section 602 states, I have the right to privacy. 15 US Code 1681 section 604a section 2 also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 US Code 1666b a creditor may not treat payments on the credit card account under an open and consumer credit plan as late for any purpose. 


This account is also reporting multiple inaccuracies in the months and years of the late reports. This is also a violation of 15 U.S. Code 1681i I respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditors that would prove that my late payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If this information is unable to be provided as proof please update my payment history to PAANL status ( paid as agreed never late ).
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OHXXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-01
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 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 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2024-04-23
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC (WI)

On XX/XX/ I signed a contract with American Credit Acceptance. The amount that was financed according to 15 usc 1605 was {$39000.00} This company was commited to providing me with top priority treatment and with a reliable car that i could use for household use. The nature of my dispute is the various violations of federal law such as the Equal Credit Opportunity Act 12 USC 1002 reg. B, Securities Fraud, T.I.L.A Violations, F.C.R.A, Federal Reserve Act, being that i provided an application, to which became the Security Collateral for this transaction according to section 16 of the Federal Reserve Act part 2. I also provided my social security account number which according to 15 USC 1602 ( l ) the term credit card meansany card used for the extention of credit. This company has not tried to resolve this situation and make things right as this has cause me great stress and pain and suffering. Certified mailed i sent tracking number XXXX XXXX XXXX XXXX XXXX. 
There is a pattern of misconduct by this company I applied for my own credit and got scammed and the car was repossessed Im greatly damaged. Withholding my access to my securities is securities fraud. Violating EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT since Im getting denied access to my credit and would like to retract my application. Thank You By : XXXX, XXXX ATTORNEY-IN-FACT for XXXX XXXX
Consumer complaint received 2023-09-01
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NY)

On XX/XX/XXXX, I was contacted by a debt collector and they claimed I am responsible for a debt with a cable company. I told them that I dispute the alleged debt and that all further correspondence with me shall be put in writing. Then on XX/XX/XXXX the debt collector called me again. I reiterated that I am disputing the alleged debt and that all further correspondence with me is to be put in writing. On XX/XX/XXXX, I received the first written correspondence from the debt collector. 
On XX/XX/XXXX, I responded back to the debt collector, in writing that I was disputing the charges and asked that they provide me with a " valid basis for the debt, such as the original contract between me and the original creditor. Tell me the date the debt became delinquent and the date the last payment was made. '' as well as all invoices for the past several months where ongoing service charges, late and restoration fees were being applied to my account. 
The debt collector only provided me with the last invoice from the cable company. 
In a subsequent call with the debt collector on XX/XX/XXXX, the debt collector agent told me that I had to pay the debt otherwise they would negatively impact my credit score even though I had told them that I was disputing the debt and had done so in writing within the 30 days for receipt of written communication with the debt collector.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX I was approved for a line of credit of {$2600.00} from PayPal credit through Synchrony bank. On XX/XX/2023, I tried to use my card to buy items, but the transaction was denied. I was then locked out of my account saying that I was fraudulently trying to use my account. I had to submit a picture of my driver 's license to prove that it was me trying to use my own credit line that they had just given me. I finally called Sychrony bank on XX/XX/2023 and they told me that my account " looked '' like it had been flagged possibly due to it being a new account and this is why I could not use the card. They told me to wait about a week and try again. So, I did. The same thing happened to me. I called PayPal and they told me that it was on the Sychrony bank side of things. Once I spoke to Sychrony bank they told me the same thing that I was told on XX/XX/2023. " It looks like there might be a hold on your account and to wait. '' This to me is fraudulent. They give people lines of credit, hold the credit, it affects my credit, and now still a month later I can not use it. Something needs to be done about this company now.
Consumer complaint received 2024-04-23
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX, also XXXX XXXX, talked on phone at length, went TransUnion, XXXX, XXXX, disputed all, companies gave me trouble, XXXX XXXX I have hard inquiries I'm not sure what is going on, I've been working hard to not mess up credit. Facts I went to XXXX in XXXX got out 3 days ago my phone was taken from police never returned all info identification was in it I need this stuff removed I'm now clean and ready to build good credit please help, all I get from anyone is it's verified well no it's not. Thanks God bless us all.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (NV)

Draft Letter to CFPB Regarding Cavalry Portfolio Services , LLC Date : XX/XX/2023 To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Cavalry Portfolio Services , LLC for Fair Debt Collection Practices Act ( FDCPA ) Violations Dear CFPB, I am writing to file a complaint against Cavalry Portfolio Services , LLC ( Cavalry ) for engaging in unfair and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e and 1692j. 

Cavalry 's Misrepresentation of Themselves : Cavalry has repeatedly contacted me regarding an alleged debt, falsely claiming to be the original creditor or to have a valid contractual agreement with me. This is demonstrably false, as I never entered into any agreement with Cavalry nor authorized the sale of my information to them. I have requested verification of the debt and contractual documentation on multiple occasions, yet Cavalry has failed to provide any such evidence. This constitutes a violation of 15 U.S.C. 1692e ( 8 ), which prohibits debt collectors from misrepresenting themselves as the original creditor or as having a legal right to collect the debt. 

Illegal Acquisition of My Information : Furthermore, I have reason to believe that Cavalry acquired my information illegally, potentially without my written consent. This raises serious concerns about the legitimacy of the debt and the methods used to collect it. Without verifiable proof of my consent to share my information, Cavalry 's collection efforts may violate 15 U.S.C. 1692j, which prohibits the use of unfair or unconscionable means to collect a debt. 

Consumer Law Protections : I am pursuing legal action under the FDCPA, specifically under sections 1692e and 1692j, to protect my rights as a consumer. I request that the CFPB investigate Cavalry 's practices and hold them accountable for any violations of the FDCPA. I have attached relevant documentation supporting my claims, including communication records with Cavalry and my requests for verification of the debt. 

My Request : I urge the CFPB to : Investigate Cavalry 's debt collection practices regarding my alleged debt.

Determine whether Cavalry has violated the FDCPA by misrepresenting themselves and illegally acquiring my information.

Take appropriate enforcement action against Cavalry, including but not limited to cease-and-desist orders and civil penalties. 

Thank you for your time and consideration of this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
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.

has violated my rights. Or 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 2023-01-25
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. (VA)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-23
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. (MI)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.